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Explore the Legal Terms Covering Your Account

Our legal terms define how your account, your data, and your transactions are managed on over 1 — covering everything from account eligibility to how we store and…

Account Eligibility TermsPrivacy & Data PolicyDANA, OVO, GoPay, QRIS CoverageCookie PolicyJurisdiction Clause

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Browse the Scope of Our Legal Position

over 1 Service availability depends on jurisdiction. Users are responsible for checking local law before access.

Access to over 1 and participation in any activity on this platform depends on local law. We do not extend services in regions where such activity is restricted, and your account opening constitutes acknowledgment of this condition. Our terms cover all payment channels available to you

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— including DANA, OVO, GoPay and QRIS — and govern how transaction records are retained, disputed and resolved. We hold transaction logs for a minimum retention period aligned with applicable regulatory practice. If a payment dispute arises on any of those rails, our finance team can
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pull a timestamped receipt within one business day. These terms are governed by the jurisdiction in which over 1 operates, and any conflict between local regulation and our platform terms will resolve in favour of local law. You can request a plain-language summary of any clause
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by contacting our support team via live chat.

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

LEGAL CONTACT PATHS

Open a Legal Query With Our Team

If you have a question about how these terms apply to your account — whether that is a data access request, a transaction record query, or…

ACCOUNT SECURITY DETAIL

Switch On Every Layer of Account Protection

Security on over 1 is built at the account level, not just the network level. From the moment you open your account, your session data, payment records and personal details are handled…

Data Encryption

All personal and payment data — including your DANA, OVO, GoPay and QRIS transaction records — is encrypted in transit and at rest using industry-standard protocols. No plain-text storage of financial identifiers occurs at any point.

Cookie Policy

We use session cookies to keep you logged in and preference cookies to remember your lobby settings. You can review and withdraw cookie consent at any time via the Cookie Preferences link in our site footer without affecting your account status.

Account Access Logs

Every login, device change and password reset on your account is time-stamped and stored for 90 days. You can request your own access log by submitting a data request through Account Settings > Privacy, and we respond within 48 hours.

Data Retention

We retain your account data for as long as your account is active, plus a post-closure period required by applicable regulation. When that period ends, your identifiable data is deleted or anonymised — we do not hold it indefinitely.

Third-Party Sharing

We share data with payment processors — such as the networks behind DANA and GoPay — only to the extent needed to complete your transaction. We do not sell your personal data to marketing partners or unrelated third parties.

Change & Deletion Requests

You have the right to request correction or deletion of personal data we hold. Submit your request via live chat or email; our team will confirm receipt within 24 hours and complete the action within seven business days.

Get Clear Answers on Your Rights and Our Policy

The questions below reflect what account holders most often ask about legal terms, data rights and how our policies interact with their day-to-day account use. If your question is not covered here, our legal-query desk is reachable via live chat at any hour.

Access and account eligibility depends on local law. Where local law permits participation, our platform terms apply alongside any relevant Indonesian regulation. We advise you to satisfy yourself on eligibility before opening an account.

We collect the information you provide during registration — name, contact details, and the payment method you link, such as DANA or OVO. We also collect session and device data automatically to maintain account security and fraud prevention.

Transaction records are retained for the period required by applicable regulation, which is typically a minimum of five years from the date of the transaction. You can request a copy of your records via Account Settings > Privacy at any time.

Yes. Submit a deletion request through live chat or email, and our team will confirm receipt within 24 hours. We process deletion within seven business days, subject to any retention obligations imposed by applicable local regulation.

Only verified internal roles with a legitimate operational need can access your account data. Every internal access event is logged with a timestamp. We do not grant external parties access to your account without a legally valid reason.

Click the Cookie Preferences link in the site footer. From there you can disable non-essential cookies — such as analytics cookies — without affecting your login session, account balance or any pending QRIS or GoPay transaction.

After you close your account, we retain identifiable data for the post-closure period required by regulation. Once that period ends, your data is deleted or anonymised. You will not receive marketing communications after closure unless you re-register.

Explore the Legal Terms Covering Your Account

Open a Legal Query With Our Team

Switch On Every Layer of Account Protection

Data Encryption

Cookie Policy

Account Access Logs

Data Retention

Third-Party Sharing

Change & Deletion Requests

Get Clear Answers on Your Rights and Our Policy

01 Is my account on over 1 subject to Indonesian law?

02 What personal data does over 1 collect when I register?

03 How long do you keep my transaction records for DANA, OVO, GoPay and QRIS payments?

04 Can I request that over 1 delete my personal data?

05 Who can see my account information inside over 1?

06 How do I withdraw cookie consent on over 1?

07 What happens to my data if I close my account?

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