Reference

Legal Framework Governing Your kapakhoki Account

kapakhoki operates under a clear legal framework designed to protect your account, your data, and your transaction records — access depends on local law and the region from…

Jurisdiction-aware access policyDANA, OVO, GoPay & QRIS transaction records retainedData requests handled within 5 business daysAccount security under AES-256 encryption24-hour legal contact channel
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kapakhoki Legal Framework Governing Your kapakhoki Account
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Reach Our Legal and Policy Support Team

If you have questions about your rights, data retention, or account eligibility under applicable law, our support team is reachable around the clock.

Live Chat Open the chat widget from any page on kapakhoki.best. A support agent receives your message in real time, 24 hours a day. Legal queries are flagged and escalated to our compliance desk within one hour of receipt.
Email Support Send your legal or data-rights request to our registered support address listed in the footer of kapakhoki.best. We aim for a written response within five business days, with a case reference number issued on acknowledgement.
Account Help Centre Log in to your kapakhoki account, navigate to Settings, then select Help & Legal. From there you can submit a formal data-access or account-review request directly, with your account details pre-filled for faster processing.
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How kapakhoki Handles Data, Cookies and Account Security

We take a layered approach to security and transparency — from how cookies are set on your first visit, to how your withdrawal identity check works, to how long we keep your…

Cookie Management

We use session cookies to keep you logged in and analytics cookies to understand which pages are most useful. You can review and withdraw cookie consent at any time via the Cookie Preferences link in our site footer, without affecting your account access.

Data Retention Period

Account data — including login history, DANA and OVO transaction references, and chat transcripts — is retained for 24 months after your last login. After that period, data is anonymised unless a legal hold requires otherwise.

Identity Verification

Withdrawal requests above the threshold stated in your account dashboard trigger a one-time KYC check. You submit a national ID image through the secure upload tool in Settings; our team reviews it within one business day and confirms via email.

Account Security Encryption

All account credentials and session tokens are stored using AES-256 encryption. Passwords are hashed and never stored in plain text. We recommend enabling two-factor authentication from the Security section in your account Settings page.

Data Access Requests

You have the right to request a copy of the personal data we hold on your account. Submit the request through Settings or via email; we aim to deliver a structured data export within five business days, in a machine-readable format.

Who to Contact for Changes

To update your registered email, phone number, or payment account linked to GoPay or QRIS, open Settings and select Profile. For legal corrections to identity documents already submitted, contact our compliance team through the Live Chat channel marked Legal Query.

Frequently Asked Legal Questions About Your Account

These are the questions we receive most often from account holders in Indonesia about their legal rights, data, and account eligibility. Each answer reflects actual kapakhoki policy, not a generic template — if your question is not covered here, reach us via Live Chat 24 hours a day.

Yes — access to certain features depends on local law in your specific region. We apply a jurisdiction-aware access layer so that features are presented only where local law permits. You can check your current access status from the Account Overview page after logging in.

Transaction references for DANA, OVO, GoPay and QRIS are stored on your account for 24 months from the date of each transaction. You can export a statement from the Wallet History section in your account dashboard at any time during that period.

Yes. Submit a data-access request through Settings or by emailing our support address in the footer. We aim to send a structured export of your personal data within five business days and will confirm receipt with a unique case reference number.

We send a notification to your registered email address at least 14 days before any material change to our terms takes effect. The updated terms are also published on this page with a revised effective date shown at the top of the document.

A valid Indonesian national ID card (KTP) is the standard document required. Upload a clear image through the secure tool in Settings under Verification. Our compliance team reviews submissions within one business day and sends confirmation to your registered email.

Go to Settings, select Account, then choose Close Account. Your data is retained for 24 months in anonymised form to meet audit requirements, after which it is deleted. Any remaining wallet balance must be withdrawn before closure is finalised.

Open Live Chat and select the Legal Query flag so our compliance desk receives your message directly. We aim to acknowledge all data-handling complaints within one hour and provide a full written response within five business days, with a case reference for your records.

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