Reference

Your Rights and Our Legal Commitments

45 2d operates under a defined legal framework that sets out exactly what you can expect from us and what we expect from you — covering account eligibility…

Account TermsDANA & OVO Transactions CoveredData Retention PolicyDispute Resolution PathJurisdiction-Dependent Access

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What Our Terms Actually Cover

45 2d Service availability depends on jurisdiction. Users are responsible for checking local law before access.

Our terms govern every interaction on 45 2d, from the moment you register to every deposit you make via DANA, OVO, GoPay or QRIS. Eligibility to use the platform depends on local law in your region of Indonesia — whether you are connecting from Medan or

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anywhere else in the archipelago. Financial transactions processed through those payment rails are recorded, timestamped and tied to your verified account, giving both sides a clear audit trail. We do not alter fund records retroactively, and all payment disputes are handled through the channel that processed
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your deposit. Accounts that do not meet local eligibility criteria will be restricted in line with those legal conditions, and we will notify you by the contact address on file before any restriction takes effect.

Service availability depends on jurisdiction. Users are responsible for checking local law before access.

LEGAL CONTACT PATHS

How to Reach Us on Legal Matters

Every legal query — from account eligibility questions to data-access requests and formal disputes — has a direct contact path at 45 2d.

Live Chat Available daily from 08:00 to 24:00 WIB. Use this channel for urgent account restrictions or eligibility questions that need a same-session resolution from our compliance team.

Email — Legal Send formal data-access requests, account-closure instructions or written dispute notices to our legal address. We acknowledge all emails received before 20:00 WIB on the same calendar day.

Account Portal Log in, navigate to Settings › Legal Requests, and submit a structured form. This path creates a timestamped ticket, which is the fastest route for tracking the status of a data or account query.

ACCOUNT SECURITY DETAIL

Inside 45 2d Data and Security Practices

Security and transparency are not afterthoughts in how we run the platform. Below are six specific practices that govern how we handle your data, your account credentials and your payment records —…

Encrypted Account Credentials

Passwords are hashed using bcrypt before storage. We never hold your raw password, and our access logs are reviewed weekly so any anomalous login attempt triggers an automatic account lock and email alert.

Payment Record Retention

All DANA, OVO, GoPay and QRIS transaction records are retained for five years in line with Indonesian financial record-keeping norms. You can request a full transaction export from the Account Portal at any time.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to measure page performance. You can disable analytics cookies in your browser at any point; session cookies are strictly necessary for the account to function.

Data Access Requests

You have the right to request a copy of all personal data we hold on your account. Submit the request via email or the Account Portal; we process it within seven business days and deliver it as a structured file.

Account Closure and Data Deletion

Request full account closure through Settings › Legal Requests. We delete personal profile data within 30 days, retaining only the transaction history required by financial record-keeping obligations.

Who Handles Your Data

Data processing sits with the 45 2d compliance team. We do not sell your data to third parties. Shared data — limited to payment verification — goes only to the payment processor handling your chosen rail, such as QRIS or GoPay.

Common Legal Questions From Our Users

The questions below are the ones our compliance team sees most often. If your specific situation is not covered here, use the live chat or email routes listed above — a member of the team will give you a direct, written answer.

Yes. Access to specific features depends on local law in your region. When you register, we check your location against applicable rules and restrict any features that are not permitted where local law applies.

Disputes on DANA or OVO deposits are handled through the original payment processor first. If unresolved within 72 hours, you escalate to us via the Account Portal, and we open a formal review with the processor on your behalf.

Profile data is deleted within 30 days of a confirmed closure request. Transaction records — covering DANA, OVO, GoPay and QRIS payments — are retained for five years to meet financial record-keeping obligations.

Yes. Submit a data-access request via email or through Settings › Legal Requests in your Account Portal. We process it within seven business days and send you a structured file with all stored personal and transaction data.

We use session cookies (required for login) and analytics cookies (optional). You can disable analytics cookies in your browser settings at any time. Disabling session cookies will prevent you from staying logged into your account.

Contact us via live chat (08:00–24:00 WIB) for immediate review, or send a formal written notice to our legal email address. We acknowledge same-day for emails received before 20:00 WIB and aim to resolve within two business days.

We do not sell personal data. The only sharing that occurs is with your chosen payment processor — such as GoPay or QRIS — solely for the purpose of verifying and completing your transaction. No marketing data is passed to outside parties.

Your Rights and Our Legal Commitments

How to Reach Us on Legal Matters

Inside 45 2d Data and Security Practices

Encrypted Account Credentials

Payment Record Retention

Cookie Policy

Data Access Requests

Account Closure and Data Deletion

Who Handles Your Data

Common Legal Questions From Our Users

01 Does my eligibility to use 45 2d depend on where I live in Indonesia?

02 What happens to my DANA or OVO deposit if a transaction dispute arises?

03 How long does 45 2d keep my personal data after I close my account?

04 Can I request a copy of all data 45 2d holds on my account?

05 What cookies does 45 2d use and can I turn them off?

06 Who do I contact if I believe my account was restricted incorrectly?

07 Does 45 2d share my data with third parties?

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