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Your Rights and Our Legal Framework

scratch cash operates under a clear legal framework so you always know where you stand — from account creation and data handling through to how disputes are resolved.

Jurisdiction-Aware TermsDANA, OVO, GoPay, QRIS CoveredData Privacy CommitmentsAccount Rights DocumentedTransparent Dispute Path
scratch cash Your Rights and Our Legal Framework
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Reach Us for Any Legal Query

If you have a question about your rights, a clause in our terms, or a data request, our support team handles legal enquiries through three direct…

Live Chat Available from 08:00 to 24:00 WIB, seven days a week.
Email Support Send detailed legal requests, data deletion notices, or terms-related disputes to our compliance inbox.
Account Help Centre Log in, go to Settings, then select Legal & Privacy to submit a formal…
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How scratch cash Protects Your Data and Account

We have structured our data and security practices around the actual risks that matter to you — unauthorised access, payment data exposure, and account misuse.

Data Encryption

All account data — including DANA, OVO, GoPay and QRIS transaction records — is encrypted at rest and in transit…

Cookie Policy

We use functional and analytics cookies only. You can review which cookies are active and withdraw consent at any time…

Account Security

Two-factor authentication is available on every account. We recommend enabling it immediately after registration — go to Settings > Security…

Data Retention

We hold your account data for as long as your account remains active plus five years after closure.

Your Right to Erasure

You can request full deletion of your personal data after account closure. Requests are processed within 30 days.

Compliance Contact

Our designated compliance officer handles all formal legal requests.

Frequently Asked Legal Questions

The questions below are the ones our compliance team hears most often. If your situation is not covered here, use the live chat channel between 08:00 and 24:00 WIB or submit a formal request through the Account Help Centre inside your dashboard.

Access to scratch cash depends on local law. If your region permits online gaming services, you may open an account. We recommend checking your local regulations before proceeding, as we cannot override jurisdiction-specific restrictions.

Log in and navigate to Settings > Privacy, then select 'Request Data Export'. We compile your full account data — including transaction history for DANA, OVO, GoPay and QRIS — and deliver it to your registered email within 72 hours.

Yes. Submit a deletion request through the Account Help Centre after closing your account. We process most requests within 30 days. Financial records required by local law are exempt from deletion and we will notify you of any such exemptions.

We retain active account data for the life of your account, plus five years after closure. Payment records for DANA, OVO, GoPay and QRIS transactions are held for a minimum of five years to satisfy standard financial compliance requirements.

We use functional cookies (required for the account and payment flow) and analytics cookies (optional). You can view and manage cookie categories at any time from the cookie preferences panel in your account settings without affecting your core access.

Go to Settings > Legal & Privacy and select 'Submit Dispute'. Provide your transaction ID or the account decision date. Our compliance team acknowledges disputes within 24 hours and issues a written resolution within five business days.

Our Data & Compliance team receives formal legal requests via email and through the Account Help Centre. Mark your message for the Compliance team in the subject line or request type field; this routes your enquiry to the correct handler immediately.