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Your Agreement with kelas99 Starts Here

Before you open an account on kelas99, these Terms & Conditions form the binding agreement between you and our platform — covering account creation, deposit behaviour through DANA…

Account Eligibility RulesDANA, OVO, GoPay & QRIS ScopeWithdrawal ConditionsDispute Resolution PathPolicy Update Notice

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What These Terms Actually Cover

kelas99 Service availability depends on jurisdiction. Users are responsible for checking local law before access.

These Terms & Conditions apply to every action you take on kelas99 — from the moment you register an account through to each transaction you complete using DANA, OVO, GoPay or QRIS. Your use of the platform constitutes acceptance of the version published on this page

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at the time of your session. We update this document when operational or regulatory requirements change, and we notify you via the email address on your account within seven days of any material change. Access to certain features depends on local law; where local law permits,
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all standard account functions are available to you without restriction. Jurisdiction-specific limitations, if any, are disclosed within your account dashboard under the 'Account Status' tab. You are responsible for reviewing these terms periodically.

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

HUBUNGI TIM KAMI

Reach Us About Any Terms Query

If any clause in these Terms & Conditions is unclear, our support team is available around the clock — 24 hours a day, seven days a week — through three direct channels. Customers in Jakarta and across Indonesia can expect an initial response within fifteen minutes via live chat during peak hours, and within two hours via email. All terms-related enquiries are logged with a reference number so you can track your case.

Team online

Live Chat

Open the chat widget at the bottom-right of any page on kelas99. Our agents handle terms clarifications, account eligibility questions and dispute acknowledgements in real time, every day.

Email Support

Send your terms query to our support address found in the Contact page. Attach your account ID and a brief description; we respond within two hours on business days and four hours on weekends.

Help Centre

Our self-serve Help Centre holds the full indexed text of these Terms & Conditions, a change-log of past versions, and templated request forms for data-access and account-closure submissions.

KEAMANAN AKUN ANDA

How kelas99 Handles Your Account Under These Terms

Every account action — login, deposit via GoPay or QRIS, withdrawal request, and session termination — is logged against your account ID under a retention policy that keeps records for a minimum…

Data Retention

Transaction records — including every DANA and OVO deposit — are retained for five years from the date of the transaction. You may request a statement at any time through your account dashboard under 'History'.

Cookie Policy Scope

We use session cookies to maintain your login state and preference cookies to remember your lobby layout. No third-party advertising cookies are placed without your explicit consent, which you manage in Settings.

Account Security Rules

Your account password must meet our complexity standard: minimum eight characters, one number, one symbol. Two-factor authentication via SMS or authenticator app is available and strongly encouraged under these terms.

Who to Contact for Changes

To correct personal data, update your registered payment method from OVO to DANA, or close your account entirely, submit a written request via email with your account ID attached. We action verified requests within 72 hours.

Requesting Data Access

Under these Terms & Conditions you hold the right to request a full export of your account data. Submit via the Help Centre form labelled 'Data Access Request'; we deliver a secure download link within five business days.

Policy Change Notifications

When we amend these Terms & Conditions, an in-app banner appears on your next login and an email is sent to your registered address. You have seven days to review changes before they take effect on your account.

Terms & Conditions — Questions We Hear Most

These are the terms-related questions our support team receives most often from people opening accounts in Indonesia. Each answer reflects the current version of our Terms & Conditions and is updated whenever the policy changes. If your question is not here, our live chat team can provide a written clarification within minutes.

They take effect the moment you complete account registration on kelas99. By submitting your registration form you confirm you have read and accepted the version of the Terms & Conditions published on this page on that date.

Access and eligibility depend on local law. Where local law permits, your account is fully active. If a restriction applies in your specific region of Indonesia, your account dashboard will show a clear notice under 'Account Status'.

Any funds cleared to your kelas99 wallet before suspension remain in your account balance. After a compliance review — typically completed within 48 hours — funds are returned to the originating DANA or OVO account if the suspension is upheld.

Open a dispute via live chat or email, quoting your transaction reference number. Our team logs the case, sends you an acknowledgement within one hour, and targets a formal resolution within five business days under our dispute clause.

We review the terms quarterly and update them whenever operational, product or regulatory changes require it. Every revision is timestamped at the top of this page, and your registered email receives a notification at least seven days before changes apply.

Yes. All payment rails — GoPay, QRIS, DANA, OVO and bank transfer — fall under the same transaction terms in Section 4. Specific velocity limits for each method are disclosed in your account's payment settings page before you transact.

Submit a closure request via the Help Centre form or by email with your account ID. We close the account within 72 hours of identity verification. Transaction records are retained for five years as required under our data-retention clause, then permanently deleted.

Your Agreement with kelas99 Starts Here

Reach Us About Any Terms Query

Live Chat

Email Support

Help Centre

How kelas99 Handles Your Account Under These Terms

Data Retention

Cookie Policy Scope

Account Security Rules

Who to Contact for Changes

Requesting Data Access

Policy Change Notifications

Terms & Conditions — Questions We Hear Most

01 When do these Terms & Conditions take effect on my account?

02 Can I use the platform if online gaming depends on local law in my region?

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

04 How do I dispute a transaction that I believe breaks these terms?

05 How often are these Terms & Conditions updated?

06 Do these terms cover GoPay and QRIS transactions the same way they cover bank transfers?

07 How do I formally close my account and what happens to my data?

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