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What You Agree To When You Use ratutoge

These terms set out how your account works, what we expect from you, and what you can expect from us — covering everything from how your DANA, OVO, or GoPay wallet connects to your account through to how disputes are handled.

Account eligibility applies where local law permitsDANA, OVO, GoPay wallet terms applyWe may update terms with noticeOne account per personIndonesia region access only
ratutoge What You Agree To When You Use ratutoge
TERMS CONTACT PATHS

Where to Ask About These Terms

If any part of these terms is unclear or you need to raise a dispute about your account, reach out through the channels below. We handle terms-related questions separately from general account support — flag your message as a terms or policy query so it reaches the right team without delay.

Live Chat Open the chat widget from any page in your account. Terms and account-rule queries are handled directly; have your registered wallet name ready to speed up verification.
Email Support Send a written query to our support address for detailed terms disputes or wallet-name mismatch issues. Include your account ID and the wallet type — DANA, OVO, or GoPay.
Account Help Centre The Help Centre inside your account lists current policy versions and recent update notices. Check here first before contacting support — most terms questions are answered there.
HOW WE HANDLE THIS

What We Do to Keep Your Account Secure

Our approach to account security and data handling is built into every step of the terms — not added as an afterthought. Here is how each area works in practice.

Data Handling

We collect only what is needed to verify your account and process wallet transactions via DANA, OVO, or GoPay. Data is not sold or shared outside the scope described in these terms.

Account Security

Your account is protected by login verification tied to your registered mobile number. Any suspicious login attempt triggers an OTP check before access is granted.

Terms Retention

Every version of these terms is archived and timestamped. If a dispute references an earlier rule set, we pull the version that was active at the time the action occurred.

Requesting Changes

To update your registered wallet — for example, switching from OVO to GoPay — submit a change request through account settings. We verify ownership of both wallets before completing the switch.

Common Questions About These Terms

These are the questions we see most often when account holders read through the terms for the first time. If your question is not here, contact us through live chat or email.

The core terms apply the same way for DANA, OVO, and GoPay. Wallet-specific steps — like the verification PIN or transfer confirmation screen — follow each provider's own process, but our account rules stay consistent.

Multiple accounts are not permitted under these terms. If we detect duplicate accounts linked to the same wallet or identity, both accounts may be suspended pending review and balances held until the issue is resolved.

We notify you via the contact channel registered to your account and post the updated version with an effective date. The change notice stays visible in the Help Centre for at least 14 days before the new terms take effect.

Access depends on local law and is available only where local law permits. It is your responsibility to check whether accessing the platform is lawful in your location before registering or continuing to use your account.

You can close your account before the new terms take effect. Submit a closure request through account settings, withdraw your balance to your linked wallet, and we will process the closure without applying the updated terms to your final transaction.

We retain account data for the period required by applicable regulations in the regions where we operate. After that period, personal data is deleted or anonymised in line with our data-handling policy described in these terms.
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Terms & Conditions

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.