How vip21 Handles Your Personal Data

When you open an account with us, we collect the information you provide directly — your name, email address, phone number and the e-wallet details you link for transactions. When you connect a DANA, OVO or GoPay wallet, we record the wallet ID and transaction reference

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   so deposits and withdrawals can be matched to your account accurately. We also collect device identifiers and session logs to keep your account secure and to detect unusual access patterns, especially if you switch between mobile and browser on your account. Usage data — which sections

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   you visit, how long sessions run — helps us improve the account experience without identifying you personally in those logs. We do not sell your personal data to third parties. Data may be shared with payment processors (including those that operate DANA, OVO and GoPay integrations),

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   fraud detection services, and where required by applicable law in eligible regions. Retention periods vary by data type: transaction records are kept for as long as required under applicable financial rules, while session logs are periodically cleared. This policy applies to access from Indonesia where local

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   law and eligible regions permit. If you are in Bekasi or anywhere else in Indonesia, the same data rules apply to your account.

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