Our Legal Framework, Plainly Stated
91 2d operates under a defined legal structure built for Indonesia, covering your account rights, our obligations and how jurisdiction shapes what's available in supported regions. Every policy...
Legal service notes
91 2d's legal posture is anchored in the laws of supported regions, and access to our lobby is governed by where local law permits. We do not extend account services to regions where operating would breach applicable legislation. Your account agreement is formed at the point of registration and is subject to our full terms, which are reviewed periodically. Payment instruments including
those listed below operate within the same legal boundary — use of any payment channel constitutes acknowledgement of the applicable terms for your region. We keep these terms consistent and notify you of material changes through your registered contact channel.
Service availability is jurisdiction-dependent. Users are responsible for checking local law before access.
Reach Our Legal and Policy Team
If any clause in our terms raises a question you can't resolve by reading, our policy support team is here to clarify. We aim to respond to legal enquiries within one business...
Why Our Policy Stance Holds Up
We've built our legal framework around transparency and consistency rather than dense small print. These six signals reflect how we approach policy integrity across every account interaction and every supported region.
Versioned Terms
Every update to our terms carries a version date so you can track exactly what changed, when it changed and how it applies to the account you hold with us right now.
Jurisdiction Clarity
We state plainly which regions fall under our operating scope. If your region is not supported, we say so — no ambiguous wording, no hidden carve-outs buried in appendices.
Account Ownership
Your account data belongs to you within the limits of our data policy. We do not transfer your personal information outside the legal basis set out in our privacy terms.
Dispute Process
Our dispute resolution path is documented and accessible. If you believe a term has been applied incorrectly to your account, you can raise it through a defined, trackable process.
Policy Review Cycle
We review our full legal framework on a set cycle, not just when issues arise. That means the terms you read today reflect current regulatory context for Indonesia, not outdated language.
Contact Traceability
Every legal enquiry you send us is logged with a reference number. You can follow up at any point and we'll have the full context of your query on file ready to continue.
How This Policy Page Compares
Consistency across our legal documentation matters. Here's how the legal page aligns with its counterpart policy sections so you can see the framework holds together across all parts...
| Terms vs Privacy | Our terms page and privacy policy share the same jurisdiction language, ensuring no gap exists between what we collect and how we're permitted to use it under applicable regional law. |
|---|---|
| Terms vs Cookies | Cookie policy scope mirrors the account terms — the same supported-regions boundary applies, and cookie consent is managed through the same framework that governs your account agreement. |
| Terms vs Account Rules | Account eligibility rules referenced in the terms are identical to those shown during registration. There is no divergence between what the legal page states and what the sign-up flow enforces. |
| Terms vs Payment Terms | Payment term conditions for DANA, OVO, GoPay and QRIS are written in alignment with the master terms — no payment-specific clause contradicts or overrides the main account agreement. |
| Terms vs Promotions | Promotional conditions reference the same account-standing requirements laid out in the main terms. Eligibility for any active promotion is governed by the same legal framework. |
| Terms vs Dispute Policy | Dispute escalation language in the terms is consistent with the standalone dispute document. Both reference the same jurisdiction scope and the same resolution timeline we commit to. |
| Terms vs Data Retention | Data retention periods stated in the terms match those in the privacy policy exactly. We audit both documents together to ensure no inconsistency exists in how long your records are held. |
Defining Elements of Our Legal Layout
The way we've structured this legal section reflects our approach across the whole brand — clear signposting, consistent formatting and direct language so you can find what applies to your account without scrolling through...