Reference

Legal details for your ciu123 account

ciu123 sets out the Legal terms behind account access, wallet records and policy requests in one clear place.

Account termsData requestsPolicy contact
ciu123 Legal details for your ciu123 account
POLICY CONTACT ROUTES

Get help with Legal questions

A clear contact route helps when a Legal question concerns your phone verification, payment record or account status.

Account access For a Legal question about phone verification or account access, send the account phone number and the wording that concerns you. We compare those details with the account record, then explain whether another account step is needed or whether access depends on local law.
Wallet records When a policy request involves DANA, OVO, GoPay, QRIS, bank transfer or virtual account activity, include the visible transaction reference and date. We use that limited detail to trace the status record without asking you to share a password, card secret or wallet login.
Policy changes If you want a Legal clause clarified or changed, name the section and describe the issue in plain English. We route the request to the policy contact path, keep the question attached to your account case, and explain any effect on access or stored records.
DATA HANDLING DETAILS

What we do with policy records

Legal handling is easier to assess when each account action leaves a clear reason and path.

Data purpose

We use your phone number and account details to complete the account step, confirm who is asking for a policy change and connect the request to the correct record. Payment references from DANA or QRIS help us inspect status without exposing your wallet credentials.

Cookie choices

Cookies can keep a sign-in path consistent and remember basic page settings on your device. They do not replace phone verification. If you clear them, the Legal pages remain available, but you may need to repeat an account step before returning to your account area.

Account protection

We treat phone verification as an account access step rather than a marketing detail. Keep your phone available, do not share one-time codes, and contact us if an unexpected access request appears. We can then connect the security concern to the relevant Legal record.

Record retention

Account and payment references may remain when needed to resolve a status question, meet a policy duty or document a requested change. Retention is tied to that purpose, not an open-ended promise. Ask us which record category applies and we will explain the available next step.

Correction requests

If your name, phone detail or another account field is inaccurate, contact us with the field that needs correction and the reason. We may ask for a matching account step before changing it, helping prevent a third party from altering your Legal records.

Who to contact

Our policy contact path handles questions about access wording, data use, cookies, retention and account changes. Include one topic per request where possible. We will tell you what can be changed, what needs verification and whether local law affects the available response.

ciu123 Legal questions answered

These Legal answers address the account questions we expect you to ask before opening or continuing an account. They cover access, data, cookies, payment references and policy contact steps without replacing the wording that applies to your account. Read the relevant answer first, then use our contact path if your situation needs a record-specific response. Where eligibility is discussed, access depends on local law and your own circumstances.

Legal covers the terms for account access, data handling, cookies, payment references, record retention and policy requests. We explain these areas so you can understand the account step before continuing. The applicable wording may vary by location, and access depends on local law.

Where local law permits, you may continue through the account path after completing phone verification and providing accurate details. We do not decide your personal eligibility from a general page. Check the rules that apply to you and contact us if the access wording needs clarification.

We may use your phone number, account details, access history and visible payment references to verify a request or resolve a record question. A DANA, OVO, GoPay, QRIS, bank transfer or virtual account reference helps locate status without requiring your wallet password.

Use the policy contact path and name the account field that is inaccurate, along with the reason for correction. We may ask you to complete a matching phone verification step before changing it. This protects your account from an unauthorised alteration.

Cookies may support sign-in continuity and basic page settings on your device. Clearing them does not remove the Legal wording, but it can require another account step when you return. Contact us if you want the cookie purpose or available choice explained.

Retention depends on the record purpose, such as resolving a payment status question, confirming an account change or meeting an applicable policy duty. Ask us about a specific category and we will explain the available response, including any limits that local law places on deletion.

Send the clause name or wording through the policy contact path, together with your account phone number when the question concerns your own record. Do not include passwords or full wallet credentials. We will explain the clause and tell you whether a further account step is needed.