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Our Terms Shape How Your Account Works

When you open an account at online123, our terms set out the rules for deposits, withdrawals, account security and how we handle your data.

Account verification stepsDeposit and withdrawal rulesData and security practices
online123 Our Terms Shape How Your Account Works
GET IN TOUCH

How to Reach Our Team About Policy Questions

Team online

Live Chat

Open the chat icon in your account lobby and message our team. Response time is typically under two minutes during operating hours, seven days a week.

Email Support

Send policy or account questions to our support address listed in your account dashboard. We reply within 24 hours with clarification on any term or your personal data.

Account Settings

View our full terms, privacy summary and withdrawal limits directly in your account settings under Legal. Update your contact preferences and review your deposit history there.

HOW WE PROTECT YOU

Data Handling, Security and Your Rights

Data Retention

We store your account data, transaction history and verified identity information for the life of your account, plus 24 months after closure for regulatory compliance and dispute resolution.

Cookies and Tracking

We use session cookies to keep you logged in and functional cookies to speed up lobby load times. Analytics cookies help us detect fraud and improve payment flows. Disable them in your browser settings if you prefer.

Account Security

Your password is hashed and never stored in plain text. We encrypt deposits via DANA, OVO, GoPay and QRIS with TLS 1.2. Two-factor authentication is available in your settings to add a second login layer.

Payment Verification

Withdrawal requests require identity re-confirmation to prevent unauthorized transfers. We match your card or e-wallet details to your account before processing; this may take 24 to 48 hours.

Right to Access

Request a copy of your personal data, deposit records and account timeline by emailing support. We deliver it within 14 days in a portable format you can download.

Right to Deletion

Request account closure in your settings. We delete your login credentials immediately; personal data held for legal compliance is retained per our retention policy and then purged.

Common Questions About Our Terms

When you request closure in your account settings, we suspend your login immediately and clear your session. Your wallet balance must reach zero before closure finalizes. Pending withdrawal requests are processed normally. Your data is retained per our legal obligations, then deleted per schedule.

Yes. In your wallet settings, you can add or remove DANA, OVO, GoPay and QRIS links at any time. Existing deposits remain tied to the original method for record-keeping, but new deposits use your chosen payment rail.

When you request a withdrawal, we may ask you to re-enter your registered ID number or provide a photo of your ID. We compare it to your account details. This step protects your funds from unauthorized access and usually takes 24 to 48 hours.

Contact our support team via live chat or email immediately. Report the transaction ID, date and amount. We will investigate and escalate to our payment processor. If fraud is confirmed, we will reverse the charge and restore your wallet balance.

We may update our terms to reflect changes in law or security practices. Material changes are sent to your registered email at least 30 days before they take effect. You can view the updated policy in your account settings at any time.

We share only your name, ID number and deposit amount to process transactions. DANA, OVO, GoPay and QRIS handle the transfer; we do not store their internal data. Full details are in our privacy notice in account settings.

Deposit and withdrawal records are kept for the life of your account plus 24 months after closure. This period supports regulatory reporting, dispute resolution and fraud investigation. After that, records are securely deleted.