Reference

Our Legal Terms and Your Account Rights

riches138 operates under a defined legal framework that governs every account, transaction, and data point on this platform — so you know exactly where you stand before you…

Account Terms & ConditionsPrivacy & Data PolicyDANA, OVO, GoPay, QRIS Transaction RulesJurisdiction: depends on local lawContact: [email protected]
riches138 Our Legal Terms and Your Account Rights
LEGAL CONTACT PATHS

How to Reach Our Legal and Compliance Team

If you have a question about your rights under these terms, want to submit a data access request, or need to raise a formal dispute, our compliance team is reachable through three direct channels. We respond to all legal enquiries within 2 business days. Jakarta-based account holders can also escalate unresolved legal matters by referencing their account ID in the subject line of any written request.

Team online

Email: Legal Enquiries

Send your account ID and a clear description of your legal question or dispute to [email protected]. We acknowledge all emails within 24 hours and provide a substantive reply within 2 business days.

Live Chat: Compliance Support

Access live chat from the account dashboard between 08:00 and 23:00 WIB, seven days a week. Type 'legal query' at the start of your message so the agent routes your case directly to the compliance team.

Written Request: Data Rights

To exercise your right to data deletion or correction, submit a written request via the in-account Support Centre under Settings > Privacy. Include a copy of your registered payment method — DANA, OVO, GoPay, or QRIS — for identity verification.

HOW WE HANDLE THIS

Data Handling, Cookies, and Account Security at riches138

We apply consistent security and data practices across every account on the platform. Below are the six areas that matter most to Indonesian account holders — from how your session cookies work…

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand how pages are used. You can manage cookie preferences from the browser settings on any device; disabling analytics cookies does not affect account functionality.

Data Collection Scope

We collect your name, email, registered payment method (DANA, OVO, GoPay, or QRIS), and transaction history. We do not sell or share this data with third-party advertisers. Data is used solely to operate and secure your account.

Account Security Measures

Every account is protected by two-factor authentication via SMS or email OTP. Withdrawal requests above Rp 5,000,000 require an additional identity confirmation step completed inside the account dashboard under Settings > Security.

Retention After Closure

If you close your account, we retain transactional and identity records for five years in accordance with financial recordkeeping standards. After that period, personal data is deleted unless we are required by law to retain it further.

Who to Contact for Data Requests

Your primary contact for any data access, correction, or deletion request is [email protected]. Include your account username and your registered payment method in the subject line so we can verify your identity quickly.

How to Request Account Changes

To change your registered email, phone number, or linked payment method — such as switching from OVO to GoPay — go to Settings > Account Details and follow the verification steps. Legal team review is triggered automatically for high-sensitivity changes.

Frequently Asked Questions About Our Legal Terms

These questions come directly from account holders in Indonesia who wanted clarity on their rights, how their data is handled, and what the legal terms mean for their day-to-day account activity. Each answer reflects the actual policy applied on riches138.xyz.

Yes — account eligibility depends on local law. We recommend reviewing the regulations applicable in your region of Indonesia before opening or continuing to use your account. Our terms make this requirement explicit in Section 2 of the full user agreement.

Submit a data access request to [email protected] with your account username and registered payment method as proof of identity. We process access requests within 5 business days and deliver your data summary by email.

You can request data deletion through Settings > Privacy or by emailing [email protected]. We will delete personal data within 30 days of verifying your identity, except for transactional records we are legally required to keep for five years.

Deposits and withdrawals via DANA, GoPay, OVO, and QRIS are governed by both our payment terms and each provider's own end-user agreement. In any conflict between the two, our terms apply to the platform side of the transaction.

We retain transaction records for a minimum of five years following account closure, in line with standard financial compliance requirements. Personal data not required for compliance is deleted as soon as the account closure is confirmed.

Contact the compliance team at [email protected] with your account ID and a written description of the dispute. We review all formal disputes within 5 business days and issue a written decision. If unresolved, you may escalate where local law permits.

Our account terms apply uniformly across Indonesia. However, specific eligibility and access conditions always depend on local law in your city or province, so the practical effect of certain terms may differ based on your location within Indonesia.