How Does Pluang Handle Referral Fraud and Spam?

Pluang can cancel a referral code, a user's participation, or a reward when it finds spamming, fraud, or transactions that break the referral terms, and its decisions on the program are final. Three rules do most of the work. First, the new-user test: a referred friend's phone number must never have been registered on Pluang, DANA eMas, Tokopedia Emas or GoInvestasi, and they must never have verified or transacted on Pluang. A number you have already used cannot become a new user. Second, the spam rule: codes should go to friends and family, and spamming them on any channel can get the code or the user cancelled. Third, the investment rule: each referral needs a real single investment of at least Rp1,000,000 held for 45 days. Pluang can also cancel rewards where activity breaks the law or could harm Pluang or third parties.

What Pluang can do under the terms:

• Cancel or annul a referral code, or a user's participation, if the code is spread by spamming
• Cancel rewards where it finds signs of fraud, or transactions that do not follow the terms
• Cancel rewards where activity could count as a legal violation or harm Pluang or third parties
• Treat anyone meeting its existing-user criteria as ineligible, including criteria it sets from time to time

What keeps a referral clean:

• Refer real people you know, each with their own phone number that is new to Pluang
• Let your friend make and hold their own investment in their own account
• Share your code in conversations and on your own accounts, not in bulk to strangers

Related questions:

Q: Can I refer myself on Pluang with a second phone number?
The terms do not describe self-referral as a way to earn a reward. They allow Pluang to cancel rewards where it finds signs of fraud or transactions that do not follow the terms, and a second account set up to collect your own referral reward can be cancelled on that basis. The program is designed for inviting other people, each of whom must be new to Pluang in their own right.

Q: Can I appeal if Pluang cancels my referral reward?
The terms state that Pluang's decisions as the organiser of the referral program are final and cannot be contested. If you believe a reward was cancelled because of a mistake, such as a friend being treated as an existing user when they were not, you can still ask Pluang Care to check the referral. Pluang Care is available through in-app live chat, by email at tanya@pluang.com, or by phone on (021) 8063 0065 (Monday to Friday, 09:00–18:00 WIB).

Q: Does Pluang referral fraud affect rewards I have already claimed?
The terms allow Pluang to cancel rewards where it finds fraud or transactions that break the terms, without limiting that to unclaimed rewards. Separately, they say a change to the terms does not affect rewards claimed before the change. So rewards earned under the rules are protected from rule changes, but not from a finding of fraud. Keeping every referral genuine is the only reliable protection.