Reference

Read Our Terms Before You Open an Account

These terms and conditions govern every action you take on hemat138 link — from the moment you create an account to the moment you request a withdrawal via…

Account eligibility depends on local lawApplies to all DANA, OVO, GoPay & QRIS transactionsEffective on account registrationGoverned by applicable Indonesian regulationsContact support for clause clarifications
hemat138 link Read Our Terms Before You Open an Account
TERMS CONTACT CHANNELS

Switch to the Right Channel for Terms Questions

If any clause in these terms is unclear, or if you believe an action on your account does not align with what is stated here, our support team is available around the…

Live Chat Access live chat from your account dashboard at any hour. Our agents can quote specific clauses, explain eligibility conditions, and log your query for formal review within one business day.
Email Support Send detailed terms-related questions to [email protected]. We respond within 24 hours and provide a written record of any clarification, which you may keep for your own reference.
Telegram Channel Our Telegram channel handles terms and account queries in real time. Share your account reference number so our team can locate your record and address the specific clause you are questioning.
ACCOUNT SECURITY & DATA

Browse How We Protect Your Account Data

Your account data is stored with AES-256 encryption and is never sold or shared with third parties outside the operational requirements described in these terms.

Data Encryption

All account data — including payment details for DANA, OVO and GoPay — is encrypted at rest and in transit. We do not store full card numbers or wallet credentials on our servers after a transaction completes.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to improve page performance. You may manage cookie preferences in your browser settings; disabling analytics cookies does not affect your account access or QRIS payment flow.

Retention Schedule

Transaction records are kept for 12 months. Account profile data is retained while your account is active and for 24 months after a formal closure request, in line with our audit obligations under these terms.

Withdrawal Verification

Every withdrawal request triggers an identity check against the name on your registered DANA, OVO or GoPay wallet. This step is described in Section 6 of these terms and cannot be waived for any withdrawal amount.

Account Security Steps

We enforce two-step verification on account login and on withdrawal requests above a threshold defined in Section 7. You are responsible for keeping your password and OTP codes confidential, as stated in these terms.

Amendment Requests

To request a correction to your account data or challenge a terms interpretation, email [email protected] with your account ID. We document every amendment request and reply in writing within five business days.

Open the Answers to Common Terms Questions

The questions below reflect what you are most likely to ask after reading through our terms. If your question is not covered here, our live-chat agents can pull up the relevant clause and walk you through it in real time — 24 hours a day, every day of the week.

These terms apply to every person who creates an account on hemat138link.xyz. Access to specific features depends on local law; where local law permits, the full terms apply from the moment your account registration is confirmed.

No. We send a notice to your registered email address at least seven days before any material change takes effect. Minor corrections such as typo fixes may be updated immediately, but we note the change date in the document footer.

Email [email protected] with your account ID and the subject line 'Data Access Request'. We aim to deliver a full data export within five business days, covering transaction logs, profile data and communication history.

Yes. All payment activity — including deposits via DANA, OVO, GoPay and QRIS — falls under Sections 4 and 5 of these terms. Each transaction is logged, and the records are retained for 12 months from the transaction date.

We will first contact you via your registered email to describe the specific clause and the action in question. Depending on severity, outcomes range from a formal warning to temporary account suspension, as outlined in Section 9.

Submit a closure request through live chat or email. Your profile data is kept for 24 months after closure for audit purposes as stated in these terms; after that period, it is permanently deleted from our systems.

The English-language version published on hemat138link.xyz is the authoritative text. Where local law requires a Bahasa Indonesia translation, the English version governs in the event of any discrepancy between the two.