ladang123 Privacy Policy

DANA deposit and withdrawal

When you use DANA to deposit funds on ladang123, we collect your DANA account identifier and transaction details — the amount transferred and timestamp. We do not store your full DANA phone number or PIN; instead, we retain only an encrypted token that allows our payment processor to route future DANA transactions to your verified account. This token is encrypted using industry-standard algorithms and stored in our secure database accessible only to authorized ladang123 systems. Our retention policy maintains DANA transaction records for three years following your last DANA transaction on ladang123, complying with Indonesian financial regulations and supporting dispute resolution. When you initiate a DANA withdrawal from ladang123, we send your withdrawal amount and encrypted DANA identifier to our payment processor. DANA then confirms the transaction with their backend and returns a settlement confirmation to ladang123, at which point we record the withdrawal in our logs. This transaction record includes the amount, timestamp, and confirmation code from DANA. We do not retain your DANA credentials on ladang123's servers — only the encrypted token. If your DANA account is compromised or you wish to unlink DANA from ladang123, you can do so through your account settings, which removes the token from our system. However, historical transaction records involving DANA remain in our database for the full three-year retention period for audit and regulatory compliance. During periods of high transaction volume or major Indonesian holidays like Idul Fitri or Idul Adha, DANA's own processing may slow, but our privacy handling of your DANA data remains unchanged — encrypted, logged, and retained per our policy.

OVO and GoPay usage

When you link OVO or GoPay to your ladang123 account, we collect your phone number associated with OVO or GoPay and store an encrypted account identifier. We do not retain your OVO or GoPay PIN, password, or full account credentials. Instead, we use the encrypted identifier to route deposits and withdrawals through our payment processor. Your permission to link OVO or GoPay is recorded on ladang123 in encrypted form, and you can revoke this permission at any time through your account settings, removing the identifier from our active systems. Once you revoke linking, ladang123 stops accepting new OVO or GoPay transactions from your account, though historical transaction records remain in our database per our retention policy. For each OVO or GoPay deposit on ladang123, we log the transaction amount, timestamp, and transaction reference number provided by OVO or GoPay's payment gateway. This information is used to reconcile deposits with your balance and is retained for three years. OVO and GoPay themselves maintain separate privacy policies governing their collection and use of your phone number and device details; our ladang123 policy covers only the information we directly collect and retain. If you use OVO or GoPay frequently across different services — as many players in Jakarta, Surabaya, and Bandung do — each service maintains separate transaction logs. Our ladang123 logs contain only transactions routed through our platform. When you request a withdrawal to OVO or GoPay, we encrypt your destination account identifier and submit it to our payment processor. The processor confirms delivery and returns a settlement code, which we log and retain per our three-year policy. Your personal details remain encrypted throughout this process.

BCA, Mandiri, BRI, BNI virtual account

When you select a bank virtual account on ladang123 — BCA, Mandiri, BRI, or BNI — we generate a unique virtual-account number tied to your ladang123 account. We do not collect or retain your full personal bank account number; instead, we store only the virtual-account number and the bank identifier (BCA, Mandiri, BRI, or BNI). This virtual-account number is used exclusively for deposits to and withdrawals from ladang123 and is retained for three years from your last transaction. Each deposit you make to your ladang123 virtual account is logged with the transfer amount, timestamp, and the sending bank account's last four digits (if visible from the bank's settlement message). We use this information to match incoming transfers to your account and to reconcile your balance. If a transfer comes from a different account than your previous deposits, we flag this for manual review by our compliance team to prevent account takeover or money-laundering. For withdrawals, we submit your withdrawal request to our payment processor along with your virtual-account number. The processor instructs the relevant bank (BCA, Mandiri, BRI, or BNI) to transfer funds from your ladang123 VA back to the originating personal bank account. We do not directly access your personal account number — the bank handles the routing. We log the withdrawal request, the confirmation code from the bank, the amount, and timestamp. This transaction record is retained for three years. Your privacy is protected because we never store your personal bank account number in plain text — only the virtual-account reference and transaction summaries. If you have multiple bank accounts with BCA, Mandiri, BRI, or BNI, you can choose to deposit from different accounts, but our system records the transfer source for audit purposes. Regional players across Jakarta, Medan, Semarang, Yogyakarta, and other cities using different banks all benefit from this same encryption and logging standard.

Fees, limits and verification

When we collect your identity documents during verification — your national ID, passport, or driving license photo, plus a selfie — we store these in encrypted form in a separate secure database on ladang123. These documents are accessible only to our compliance team and are not shared with third parties except if required by regulatory authorities or law enforcement. Our retention policy keeps these identity documents for three years from your first withdrawal on ladang123. After that period, you may request deletion through our support team. However, if you are an active player with ongoing transactions, we retain documents longer to support dispute resolution and regulatory compliance. Your email address, phone number, and personal details are stored on our main ladang123 database in encrypted form. We do not encrypt every single field — your email and phone are visible to our support team for account recovery purposes — but payment tokens and identity documents remain encrypted at rest and in transit. If you update your registered email or phone number on ladang123, we do not delete the old contact information; we retain both for audit purposes and to prevent account takeover. When you submit support tickets regarding payment issues, we log your messages and our responses. These support records contain references to transaction IDs, amounts, and payment methods but do not include full payment credentials. Support records are retained for three years. Our verification process does not share your documents with third-party identity-verification services; instead, our in-house compliance team reviews documents manually. This keeps your identity information within ladang123's secure environment. If you are reverifying due to account changes, the new documents are stored alongside the original documents for audit continuity, and both are retained for the full three-year period.

Resolving a stalled transaction

If a deposit does not immediately credit to your ladang123 account, we investigate by reviewing our payment processor logs. These logs contain your transaction reference number, the amount sent, the timestamp, and the status returned by DANA, OVO, GoPay, ShopeePay, LinkAja, QRIS, or your bank's virtual-account gateway. When we investigate, we may contact the payment provider directly using your transaction reference. The payment provider may ask us to confirm your identity — for example, they may request the last four digits of the account you deposited from — to verify we have authorization to inquire. We share only the minimal information necessary to trace the transaction. Once we confirm the funds were received by the payment provider's system, we credit your account and log the resolution. This investigation record is retained for three years. If a deposit is genuinely lost (money left your account but the payment provider has no record), the payment provider typically initiates a reversal back to your source account within their own processing window. We coordinate with them and monitor the reversal status, and we log updates in your dispute record on ladang123. For withdrawals under review, we may request additional verification if the withdrawal amount is unusually large or if we detect an irregular pattern on your account. This additional verification might include updated identity documents or a request for the bank account holder to contact us directly. Any documents or information you provide for withdrawal verification are stored in the same secure, encrypted format as your initial identity verification. These verification records are retained for three years supporting the withdrawal dispute. If your withdrawal is delayed beyond standard processing windows, we maintain a detailed investigation log documenting each status check we made with the payment provider, timestamps of inquiries, and responses received. This log is available to you through a support ticket and serves as evidence of our due diligence in resolving the issue.