Legal
Terms, privacy, fees, refunds, cookies, and contact for heykuy — on one page.
Last updated: 2026-01-01
1. Terms & Conditions
1.1 Definitions
- Platform — the heykuy service operated by PT Heykuy Indonesia.
- User — anyone who creates an account.
- Creator — a User who receives donations.
- Donor — a party making a donation.
- Balance — funds credited to a Creator's account that have not been withdrawn.
- Withdrawal — a request to move Balance to a bank account or e-wallet.
1.2 Acceptance
By registering or using the Platform you agree to this document together with the Privacy Policy and Fee Terms on the same page.
1.3 Eligibility
- At least 17 years old.
- An Indonesian citizen or an entity established in Indonesia.
- Not under guardianship and never suspended from the Platform.
1.4 Account & Security
- One account per person. Accounts are not transferable.
- You are responsible for keeping your password confidential.
- Two-factor authentication (2FA) is required before your first withdrawal.
- Report unauthorised access immediately to security@heykuy.id.
1.5 The Service
The Platform provides: donation collection (free for Donors), OBS overlays (alerts, MediaShare, VoiceShare, leaderboard, running text), an in-app Balance with free internal transfers between Creators, and an API for third-party integrations such as Stream Deck.
1.6 In-App Balance
The Balance is not electronic money and is not issued by a payment service provider. It:
- cannot be topped up from a bank account;
- can only be used inside the Platform, including donating to other Creators;
- does not earn interest;
- cannot leave the Platform except by withdrawal to an account in your own name.
1.7 Withdrawals
- Minimum withdrawal is Rp50,000.
- Confirmation uses 2FA, a security PIN, or an email link.
- The destination account must be in the account holder's own name.
- Processing time follows the payment provider; typically 1–3 business days.
- Fees are described in the fee section.
1.8 Content & Conduct
You may not use the Platform for content that is discriminatory, gambling-related, pornographic, violent, spam, fraudulent, or otherwise unlawful. We apply automated filtering (including language models) and human moderation. Violations may result in content removal, suspension, or account closure.
1.9 Intellectual Property
- Platform software, marks, and design belong to PT Heykuy Indonesia.
- Content you upload remains yours; you grant us a limited licence to operate the service (store, display, transmit).
- Donors acquire no rights over Creator content.
1.10 Suspension & Deletion
We may suspend an account for violations of this document or a lawful authority request. You may close your account at any time from settings. After closure, data is retained for 90 days for audit and abuse-prevention purposes unless the law requires longer.
1.11 Limitation of Liability
The Platform is provided "as is". We are not liable for indirect, incidental, or consequential losses, including lost profits, arising from use of the Platform, failure of third parties (payment providers, banks, infrastructure providers), or force majeure. Our total liability is limited to the service fees you paid in the last 12 months.
1.12 Changes
We may amend this document with at least 30 days' notice by email or in-app notice. Continued use after the effective date constitutes acceptance.
1.13 Governing Law & Disputes
This document is governed by Hukum Republik Indonesia. Disputes are first settled amicably within 30 days; failing that, through the competent courts of Indonesia or arbitration at the Indonesian National Board of Arbitration (BANI) as agreed by the parties.
PT Heykuy Indonesia (Perseroan Terbatas), Jakarta, Indonesia, AHU-XXXXXX.
2. Privacy Policy
This explains how we process your personal data under Law No. 27 of 2022 on Personal Data Protection.
2.1 Data We Collect
| Category | Examples | Purpose |
|---|---|---|
| Account identity | Email, display name, hashed password | Authentication, service communication |
| KYC data | Legal name, ID number, ID photo & selfie | Verification required for withdrawals |
| Financial data | Donation amounts, balance, payout account | Processing payments and withdrawals |
| Technical data | IP address (for rate limiting), device, access logs | Security, abuse prevention |
2.2 Legal Bases
- Contract performance — providing the service you requested.
- Legal obligation — identity verification and reporting.
- Legitimate interest — fraud and abuse prevention.
- Consent — marketing communication (withdrawable at any time).
2.3 How We Protect Data
- Passwords are stored as argon2id hashes, never in plain text.
- Sensitive data (account numbers, KYC data) is stored with AES-256-GCM encryption.
- Tokens and credentials are stored as SHA-256 hashes.
- Database access is restricted and recorded in an audit log.
2.4 What Is Public
Your public donation page shows your display name, description, and—if enabled—recent
donations. Account numbers, email addresses, and KYC data are never
shown publicly and are always masked (e.g. bca ****1234) even inside the
dashboard.
2.5 Third Parties
Data is shared only as far as necessary to operate the service. A list of processors is available on request at privacy@heykuy.id. We do not sell your personal data.
2.6 Retention
Data is kept while your account is active, then 90 days after closure for audit purposes. Certain legal obligations (e.g. bookkeeping) may require longer retention.
2.7 Your Rights
- Access to and a copy of your personal data.
- Correction of inaccurate data.
- Erasure, where not contrary to a legal obligation.
- Withdrawal of consent for consent-based processing.
- Objection to certain processing.
Contact dpo@heykuy.id. We respond within 30 calendar days.
3. Fees
No deduction at donation. Donations credit 100% to the Creator's Balance. Fees apply only at withdrawal.
3.1 Two Fee Components
| Component | Amount | Notes |
|---|---|---|
| Withdrawal fee | Rp5,000 per transaction | Bank/e-wallet disbursement cost, all tiers |
| Platform fee | 4.75% – 4.00% | Percentage of the withdrawal amount, decreasing as the amount grows |
3.2 Platform Fee by Tier
| Withdrawal Amount | Platform Fee | Example (platform fee only) |
|---|---|---|
| Rp50,000 – Rp500,000 | 4.75% | Withdraw Rp100,000 → platform fee Rp4,750 |
| Rp500,001 – Rp5,000,000 | 4.50% | Withdraw Rp1,000,000 → platform fee Rp45,000 |
| Rp5,000,001 – Rp50,000,000 | 4.25% | Withdraw Rp10,000,000 → platform fee Rp425,000 |
| > Rp50,000,000 | 4.00% | Withdraw Rp100,000,000 → platform fee Rp4,000,000 |
3.3 Special Rates
| Account Type | Platform Fee |
|---|---|
| Partner (invitation) | 3.00% flat |
| Internal | 2.50% flat |
3.4 Worked Examples
- Withdraw Rp100,000 (4.75% tier): Rp5,000 + Rp4,750 = you receive Rp90,250
- Withdraw Rp1,000,000 (4.50% tier): Rp5,000 + Rp45,000 = you receive Rp950,000
- Withdraw Rp10,000,000 (4.25% tier): Rp5,000 + Rp425,000 = you receive Rp9,570,000
3.5 Other Costs
- Registration: free.
- Monthly fee: none.
- Transferring Balance to another Creator in-app: free.
- Cost to Donors: none — Donors pay only the donation amount.
- Minimum withdrawal: Rp50,000.
3.6 Payment Service Providers
Payment processing and disbursement are carried out by payment service providers licensed by Bank Indonesia. We do not process your funds directly:
- PT Xendit Indonesia — payment channels and disbursement.
- PT Fliptech Lentera Inspirasi Pertiwi (Flip) — interbank transfers.
3.7 Fee Changes
Fee changes are announced at least 30 days in advance by email or in-app notice. Withdrawals requested before the effective date use the previous rates.
Simulate other amounts on the pricing page.
4. Refund Policy
4.1 Donations
Donations are final and cannot be unilaterally refunded, as funds have been passed to the Creator's Balance. Donors who believe they transferred in error may contact support@heykuy.id; we will help mediate, but the final decision rests with the receiving Creator.
4.2 System Errors
If a system error occurs on our side — for example a donation recorded twice, or funds deducted without the donation being recorded — we refund 100% after verification, within 7 business days.
4.3 Failed Withdrawals
If a withdrawal fails (account rejected, details mismatched), funds return to your Balance automatically. No fee is charged for a withdrawal that never succeeded.
4.4 How to Request
- Email support@heykuy.id with the subject "Refund".
- Include the transaction ID, date, amount, and proof of payment.
- Requests are accepted within 30 days of the transaction date.
6. Contact
For questions about this document or our service:
| Purpose | Address |
|---|---|
| General | support@heykuy.id |
| Legal & contracts | legal@heykuy.id |
| Privacy & personal data (DPO) | dpo@heykuy.id |
| Security | security@heykuy.id |
Legal Entity
heykuy is operated by PT Heykuy Indonesia (Perseroan Terbatas), Jakarta, Indonesia, AHU-XXXXXX.
This document was last updated on 2026-01-01.