Reference

Explore Our Terms Before You Open an Account

bajutoto sets out these Terms & Conditions so you know exactly what applies to your account, your deposits via DANA, OVO, GoPay or QRIS, and your use of…

Clear account rulesDANA, OVO, GoPay, QRIS coveredIndonesia-specific clausesUpdated when policy changesContact us to raise a dispute
bajutoto Explore Our Terms Before You Open an Account
REACH OUR TEAM

Switch to Live Support for Any Terms Query

Our support team handles Terms & Conditions questions seven days a week from 08:00 to 23:00 WIB. Whether you are in Surabaya or anywhere else in Indonesia, you can reach us through the three channels below — we aim to respond to policy questions within two hours during operating hours.

Team online

Live Chat

Start a live chat session directly from your account dashboard. Available 08:00–23:00 WIB daily. A support agent will walk you through the specific clause relevant to your query and confirm any account action in writing.

Email Support

Send a detailed message to our support email for non-urgent terms queries. We aim to reply within four hours on business days. Attach your account ID so we can locate your records without extra back-and-forth.

WhatsApp

Reach us on our dedicated WhatsApp line for quick clause clarifications. This channel is monitored 10:00–22:00 WIB. Screenshots of the relevant term section help us resolve your question faster and more accurately.

ACCOUNT INTEGRITY

See How bajutoto Handles Policy and Your Data

Behind every clause in our Terms & Conditions sits a concrete operational practice — from how we store your account credentials to how we log every DANA or OVO transaction for dispute…

Data Retention

We retain your account records, deposit logs from DANA, OVO, GoPay and QRIS, and session history for a minimum of five years in line with applicable Indonesian financial record-keeping requirements and our internal audit schedule.

Cookie Policy

Our site uses functional and analytics cookies to keep your session active and measure lobby performance. You may adjust cookie preferences in your browser settings at any time without losing access to your account or deposit history.

Account Security

Two-step verification is available for all accounts and strongly encouraged. We encrypt your credentials using AES-256 and never share personal data with third parties except where required by applicable Indonesian law or dispute resolution processes.

Transaction Logs

Every deposit and withdrawal — whether via DANA, OVO, GoPay, QRIS or bank transfer — is time-stamped and stored in your account history. You can download a 90-day statement from the account panel for your own records or for dispute filing.

Policy Change Notices

When we amend these Terms & Conditions, the revision date updates on this page and a notice appears in your account inbox. Major structural changes carry a 7-day notice period before taking effect, giving you time to review and respond.

Dispute Contact

To formally dispute a clause interpretation or a transaction outcome, submit a written request via email with your account ID, the relevant transaction reference and the clause you believe applies. We will respond with a written decision within five business days.

Open Answers to Common Terms Questions

Below are the questions we receive most often about our Terms & Conditions — covering account eligibility, payment rules, data rights and how to request a policy change. If your question is not listed here, our live chat team is available 08:00–23:00 WIB daily to give you a direct, account-specific answer.

These terms apply to anyone who creates an account or completes a transaction on bajutoto. Access and eligibility depend on local law; if your jurisdiction restricts this type of platform, you are responsible for checking those rules before opening an account.

We can update the terms at any time, but we post the revision date on this page and send a notification to your account inbox. For significant changes, we provide a minimum 7-day notice period before the updated terms come into effect.

Section 4 of our Terms covers all deposit and withdrawal transactions via DANA, OVO, GoPay and QRIS. It sets out processing timeframes, minimum amounts and what happens if a transaction is flagged for a security review on our end.

We retain account records, login history and full transaction logs for a minimum of five years. You may request a copy of your stored data by contacting support via email with your account ID; we will respond within five business days.

Send a written dispute request to our support email, including your account ID, the transaction reference and the specific clause you believe was applied incorrectly. We aim to deliver a written decision within five business days of receiving your complete submission.

If you disagree with a revised clause, contact our support team within 14 days of the posted revision date. We will close your account and review your remaining balance in line with the withdrawal rules in Section 4 of these Terms.

Cookie use is addressed within the broader Terms and our Privacy Policy, which forms part of this agreement. Functional cookies are required for your session; analytics cookies can be disabled via browser settings without affecting your account access or transaction history.