Reference

Rules That Govern Your kapten89 Account

These terms and conditions form the binding agreement between you and kapten89 the moment you open an account on kapten89.

Effective upon account registrationApplies to all DANA, OVO, GoPay & QRIS transactionsWithdrawal terms clearly statedJurisdiction: depends on local lawUpdated terms notified by email

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How These Terms Apply to Your Account

kapten89 Service availability depends on jurisdiction. Users are responsible for checking local law before access.

When you complete the account-registration form on kapten89.xyz, you enter into a direct contractual relationship with kapten89 under these terms. Every deposit you make — whether through DANA, OVO, GoPay, QRIS or a supported bank transfer — is governed by the payment clause in Section 4,

1
which states that funds must originate from an account registered in your own name. Withdrawals are processed within 24 hours of identity verification being completed; if your document submission is pending, the clock does not start until we mark the file as cleared. We may suspend
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or terminate an account that breaches these terms without prior notice, though we will always communicate the reason by email within 48 hours. Eligibility to hold an account depends on local law, and any activity conducted in a jurisdiction where access is restricted falls outside the
3
scope of our liability.

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

HUBUNGI TIM KAMI

Reach Us About Any Terms Question

If a clause in these terms is unclear, or if you believe an action taken on your account conflicts with what is written here, our support team is the right first step. We handle terms-related disputes and clarification requests through three direct channels, and our agents are available around the clock to walk you through any section — from the account-suspension clause to the withdrawal-timeline policy.

Team online

Live Chat

Available 24 hours a day, seven days a week via the chat widget on kapten89.xyz. Ideal for quick clause clarifications or questions about a pending withdrawal under our terms.

Email Support

Send a detailed written query to our support address for account-level disputes or formal objections to a terms decision. We aim to respond within 6 hours on business days.

For Indonesian speakers in cities like Bandung, our WhatsApp line lets you send screenshots of any transaction in question alongside your query for faster resolution.

KEAMANAN & KEBIJAKAN DATA

How We Protect Your Data and Account

Beyond the transactional clauses, these terms also set out our obligations to you around data handling, account security and record retention.

Data Retention Policy

We keep transaction records, chat logs and identity documents for a minimum of five years from the date of your last account activity, as required under the applicable data-retention framework.

Cookie Usage

Our site uses session and analytics cookies to maintain your logged-in state and measure page performance. You may adjust cookie preferences in your browser at any time without affecting your account access.

Account Security Standards

Two-factor authentication is available on all kapten89 accounts and is strongly encouraged. Passwords are stored using one-way hashing; our staff cannot view your plain-text password at any point.

Third-Party Data Sharing

We share identity data only with payment processors — DANA, OVO, GoPay, QRIS — strictly to verify the account name on a transaction. No marketing third parties receive your personal data without explicit consent.

Account Closure Requests

You may request full account closure via email at any time. We process closures within 72 hours; any remaining wallet balance is returned to your last verified DANA or OVO account.

Terms Amendment Notice

When we update these terms, we send a notification to your registered email at least 14 days before the new version takes effect, giving you time to review and, if needed, close your account without penalty.

Common Questions About Our Terms

The questions below reflect what our Indonesian users most frequently ask when reading through the terms and conditions for the first time. Each answer references the specific clause or process it relates to, so you can cross-check the full terms document on kapten89.xyz at any time.

The terms take effect the moment you complete the account-registration form on kapten89.xyz and click the confirmation link in the verification email we send to your address. Prior activity on the site is governed by the version in force at that time.

No. We are required under our own amendment policy to email you at least 14 days before any material change takes effect. If you continue using the platform after that date, it means you accept the updated version. You may close your account before the deadline if you disagree.

If a suspension is applied under our terms, any confirmed wallet balance is ring-fenced and returned to the originating DANA or OVO account within five business days, provided identity verification on the withdrawal destination is complete.

Our terms permit only one account per individual and per verified payment method. Duplicate accounts found linked to the same QRIS or GoPay identity will be merged or closed, and any duplicate balance subject to review under the account-integrity clause.

Send a written dispute to our support email within 30 days of the decision. Include your account ID, a description of the clause you believe was misapplied, and any supporting transaction references from your DANA, OVO, GoPay or QRIS history.

Access depends on local law. We do not restrict the platform by city — someone in Surabaya and someone in another region access the same terms — but it is your responsibility to confirm that use is permitted under the laws applicable in your specific location.

We retain identity documents, deposit records and withdrawal logs for a minimum of five years from your last account activity. After account closure, data is held for the same retention period before being securely deleted in line with our privacy obligations.

Rules That Govern Your kapten89 Account

Reach Us About Any Terms Question

Live Chat

Email Support

WhatsApp

How We Protect Your Data and Account

Data Retention Policy

Cookie Usage

Account Security Standards

Third-Party Data Sharing

Account Closure Requests

Terms Amendment Notice

Common Questions About Our Terms

01 When do these terms and conditions take effect for my account?

02 Can kapten89 change the terms without telling me?

03 What happens to my DANA or OVO balance if my account is suspended?

04 Am I allowed to hold more than one account on kapten89?

05 How do I formally dispute a terms decision made against my account?

06 Does eligibility to use kapten89 depend on where I live in Indonesia?

07 How long does kapten89 retain my personal and transaction data?

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