Reference

Our Legal Policies at club396

club396 operates under a defined legal framework that sets out your rights, our obligations, and how your account data is managed on this platform.

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How Our Legal Terms Protect Your Account

club396 Service availability depends on jurisdiction. Users are responsible for checking local law before access.

Our terms of use govern every interaction you have with club396, from the moment you open an account to the point at which any withdrawal is processed. Account eligibility, access to specific features, and participation in any activity on this platform depends on local law in

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your region. We apply consistent policy standards to all accounts regardless of which local payment method you use — DANA, OVO, GoPay or QRIS — and we do not differentiate legal obligations based on deposit channel. Our data-retention schedule follows a structured cycle: personal account data
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is held for as long as your account remains active or as required under applicable legal obligations. You may request a full copy of the data we hold on your account at any time by contacting our compliance desk via the channels listed below. Any changes
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to these terms are communicated to you at least seven days before they take effect, giving you reasonable time to review and respond.

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

LEGAL CONTACT PATHS

Reach Our Policy and Compliance Team

If you have a question about our terms, a data request, or a dispute relating to your account, our compliance and support team is reachable through…

ACCOUNT SECURITY STANDARDS

How We Handle Data, Cookies and Account Access

Our approach to account security, cookie handling and data governance is built around specific, auditable practices — not generic assurances.

Cookie Policy

We use session cookies for login persistence and analytics cookies to measure page performance. You can manage cookie preferences at any time through the Privacy Settings panel in your account dashboard — no account function is lost if you opt out of analytics cookies.

Data Encryption

All personal data transmitted between your device and our servers is encrypted using TLS 1.2 or higher. Payment data related to DANA, OVO, GoPay and QRIS transactions is never stored in plain text on our systems and is tokenised at the point of entry.

Account Verification

To keep your account secure, we run a two-step identity check when a new device or IP address is detected at login. You will receive a verification prompt via your registered email or phone number before access is granted from any unrecognised device.

Data Retention Schedule

We retain active account data for the duration your account is open. If you close your account, personal data is held for a further 90 days to meet legal obligation windows, after which it is deleted from our production systems under our documented purge schedule.

Your Right to Access and Correct Data

You have the right to request a copy of all personal data we hold. You may also request corrections to inaccurate records by submitting a written request through the compliance email channel. We process all such requests within five business days.

Account Closure and Data Removal

Account closure requests are processed within 48 hours of a written request submitted via the in-account dispute form. Following closure, any pending GoPay or QRIS withdrawal is completed before the account is deactivated, and a final account statement is emailed to your registered address.

Legal Policy Questions We Hear Most

These are the specific legal and policy questions that account holders in Indonesia ask us most often. Each answer reflects the actual process we follow at club396, not a generic policy statement.

Yes — access to our services and specific features depends on local law. We recommend you review the regulations applicable in your region before opening an account. Our terms of use set out the eligibility conditions in full, and our compliance team can clarify any jurisdictional question you raise.

We collect the information you provide during registration — name, email, phone number and the payment method details you link, such as your DANA or OVO account identifier. We also log device type and session activity for security and fraud-prevention purposes.

We retain your personal data for 90 days after account closure to satisfy legal obligation windows. After that period, your data is removed from our production systems under our documented purge schedule, and you will receive a confirmation email when deletion is complete.

Yes — you can submit a data-access request at any time via the compliance email listed in our site footer or through the in-account dispute form under Settings. We respond within five business days and provide the data in a structured, readable format.

Log into your account, go to Settings > Account Help > Submit Dispute, and select the payment-dispute category. Attach any transaction reference numbers for your GoPay or QRIS payment. Our team reviews payment disputes within 24 hours and provides a written outcome with a case reference.

We notify all active account holders by email at least seven days before any material change to the terms of use takes effect. A summary of what has changed is included in that notification, and the full updated document is published on this page with the revision date clearly marked.

Contact our compliance desk directly via the email address in the footer, or use the Live Chat policy queue available from 08:00 to 23:00 WIB. If the matter is not resolved at that level, you have the right to escalate to the relevant data-protection authority where local law permits.

Our Legal Policies at club396

Reach Our Policy and Compliance Team

How We Handle Data, Cookies and Account Access

Cookie Policy

Data Encryption

Account Verification

Data Retention Schedule

Your Right to Access and Correct Data

Account Closure and Data Removal

Legal Policy Questions We Hear Most

01 Does access to club396 depend on local law in Indonesia?

02 What personal data does club396 collect when I open an account?

03 How long does club396 keep my account data after I close my account?

04 Can I request a copy of the data held on my account?

05 How do I dispute a transaction linked to GoPay or QRIS on my account?

06 How will I know if the terms of use change?

07 Who do I contact if I believe my data rights have been violated?

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