Reference

Legal Conditions That Cover Your Account

These terms set out how cumi22 operates your account, handles your data, and manages transactions made through DANA, OVO, and GoPay — all subject to local law and available only where your region permits.

Account TermsPrivacy & DataDANA / OVO / GoPay ScopeJurisdiction NoticeContact Rights
cumi22 Legal Conditions That Cover Your Account
LEGAL CONTACT PATHS

How to Reach Us About Policy Questions

If you have questions about these terms, want to request a copy of your data, or need to flag a policy concern, reach us through any of the channels below. Our support team handles account and legal queries directly — no third-party forwarding.

Live Chat Open the chat widget from your account dashboard for real-time help with terms questions, account access disputes, or wallet-linked policy queries.
Email Support Send detailed policy or data requests to our support email address shown in your account profile page under Help and Contact.
Account Help Centre Log in and visit the Help section to submit a formal request about your data, account history, or a term you need clarified in writing.
DATA AND SECURITY

How We Handle Your Data and Account Security

Account security and data handling are not afterthoughts here. Every piece of information you submit — including wallet IDs for DANA, OVO, and GoPay — is stored under access controls. We do not share your personal data with third parties for marketing. You can request your data or ask us to correct it at any time through support.

Cookie Policy

We use session and functional cookies to keep your account logged in and your wallet preferences saved. No tracking cookies are placed without your session being active.

Data Retention

Account data is retained for as long as your account is active and for a period after closure as required by applicable regulation in eligible regions.

Account Security

Login is protected by OTP verification sent to your registered mobile number. Any unrecognised session triggers an automatic lock that requires re-verification before access resumes.

Your Rights

You can request access to, correction of, or deletion of your personal data. Submit the request through the Account Help Centre and we will respond within the timeframe local law requires.

Common Legal and Account Policy Questions

These are the questions we get asked most often about account terms, data handling, and your rights as an account holder. Each answer reflects actual policy, not a general summary.

These terms apply to every account holder on cumi22. Access and eligibility depend on local law — if your region restricts access, these terms do not override that restriction.

Yes. Log in, go to the Help section, and submit a data access request. We will respond with the information tied to your account, including wallet and session records.

Wallet IDs linked to your account are stored under controlled access and used only for transaction processing. They are not passed to third parties or used for unrelated purposes.

After account closure, your data is retained for a period required under applicable regulation in your region, then removed. You can ask support for a specific timeline.

We will notify you via the contact method on your account — usually email or an in-app message on the dashboard. Continued use after the update counts as acceptance of the revised terms.

Contact support through live chat or the Help Centre first. We handle account-level disputes directly. Formal escalation steps are outlined in the full terms document on your account dashboard.
Reference

Legal

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.