Legal Document  |  Effective: January 2026  |  21+

to228 Privacy Policy

At to228, your personal data is handled with the same care we give to platform security. This Privacy Policy explains exactly what information we collect, why we collect it, how we use it, and the rights you hold as a Member. We keep it straightforward — no legal maze, no surprises.

SSL Encryption

All data transmitted between your device and to228 is protected by 256-bit SSL encryption at all times.

No Data Selling

to228 does not sell, rent, or trade your personal information to third-party marketers under any circumstances.

Your Rights, Your Control

You may request access, correction, or deletion of your personal data at any time by contacting our support team.

Minimal Data Retention

We retain personal data only for as long as required to operate the platform and meet legal obligations.

How to228 Protects Your Privacy

Six core principles that shape every data decision we make at to228, from account registration through to account closure.

Collect Only What We Need

to228 collects the minimum personal data necessary to operate the platform, verify your identity (KYC), process IDR transactions, and comply with applicable regulatory requirements. We do not collect data gratuitously.

Secure Storage & Transmission

Your data is stored in encrypted databases with access controls limited to authorised to228 personnel. All platform traffic is served over HTTPS with industry-standard TLS protocols. Payment data is handled by PCI-DSS compliant processors.

Controlled Third-Party Sharing

Personal data is shared only with trusted third parties who are contractually obligated to handle it securely — specifically our KYC verification partner, payment processors (BCA, BRI, BNI, Mandiri, OVO, DANA, GoPay), and fraud prevention services.

Consent-Based Marketing

Promotional emails, SMS notifications, and WhatsApp messages are sent only to Members who have opted in to marketing communications. You may withdraw consent at any time by updating your notification preferences in the account dashboard or by contacting support.

Defined Retention Periods

We keep your personal data for as long as your account is active and for a period of 5 years after closure to meet financial record-keeping obligations. After this period, personal identifiers are deleted or anonymised. Transaction logs may be retained longer where required by law.

Full Member Data Rights

As a to228 Member, you have the right to access a copy of your data, correct inaccurate records, request deletion of data no longer needed, and withdraw consent for marketing at any time. Submit requests to [email protected] with subject "Data Rights Request".

Last Updated: 1 January 2026

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