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What You Agree to When You Use later88

These terms set out how your account works, what we expect from you, and what you can expect from us — covering everything from wallet deposits through DANA, OVO, and GoPay to how disputes are handled.

Account eligibility conditionsDANA, OVO, GoPay wallet rulesDeposit and withdrawal termsAccount suspension policyJurisdiction-dependent access
later88 What You Agree to When You Use later88
HOW WE HANDLE POLICY

Account Security and Policy Practices

We handle your account data and payment records with clearly defined internal practices. Wallet details connected to DANA, OVO, or GoPay are used only for processing transactions on your account — they are not shared with third parties outside of what is required for payment processing. Account security relies on OTP verification at login, and we log all account activity for dispute resolution purposes. If you want to request a change to your registered details or raise a data concern, you can do so through the support channels above.

Data Retention

We retain account and transaction records for the period required under applicable rules. You can request a summary of your account data by contacting support with your account ID.

Cookie Use

We use cookies to keep your session active and to remember account preferences. You can manage cookie settings through your browser, though some features may not work without them.

Account Security

OTP verification protects your account at login. If you suspect unauthorised access, contact us immediately — we can freeze account activity while we investigate.

Terms Change Requests

You cannot modify these terms individually, but you can request a formal explanation of any clause. Submit your query via email with your account reference for a written response.

TERMS CONTACT PATHS

Reach Us About Your Account Terms

If something in these terms is unclear or you need to raise a formal concern about your account, our support team is the right first step. You can reach us through live chat directly from your account dashboard, by email for documented requests, or through our messaging channel for quicker follow-ups. We aim to respond to formal terms-related queries within one business day.

Live Chat Access live chat from your account dashboard at any time. This is the quickest way to ask about specific clauses or account-related terms questions.
Email Support Send a written request to our support address for formal terms queries, account disputes, or documented complaints that need a traceable response.
Messaging Channel Use our messaging channel for follow-up on open terms tickets. Reference your account ID so we can locate your case and respond accurately.

Common Questions About These Terms

These answers cover the terms queries we hear most often — from how account eligibility works to what happens when terms change and how wallet rules interact with your account.

Yes. These terms cover all transactions on your account, including deposits and withdrawals made through DANA, OVO, and GoPay. Your wallet provider's own terms also apply separately to the transfer itself.

We notify you through your registered account when material changes are made. If you continue using your account after the stated notice period, that counts as acceptance of the updated terms.

Access depends on local law and is available only where permitted in eligible regions. If your local law restricts this type of service, the terms do not override that restriction.

Contact our support team via live chat or email with your account ID and the specific clause or decision in question. Formal disputes are handled through our documented complaints process.

We keep records for the period required under applicable rules. You can request a summary of your data at any time by contacting support and quoting your account reference number.

Yes. We may suspend or close an account if these terms are breached. We will notify you where possible, and you can contact support to request details about any action taken on your account.
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Terms & Conditions

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

Access may be available only where local law permits.