How Our Legal Position Applies to You
Our terms of use are written specifically for accounts opened by individuals in Indonesia, where access and eligibility depend on local law. We do not accept accounts from regions where participation is prohibited under applicable national regulation. When you open an account, you confirm that you
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have read these terms and that doing so is permitted where local law permits. Payments processed through DANA, OVO, GoPay, and QRIS are subject to the same user-agreement scope as any other transaction on your account — transaction records are retained for a minimum of 12
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months and are available to you on request through your account dashboard. Any dispute arising from account activity is handled through our formal written-complaint process, with a response commitment of five business days. We update these terms when regulation changes, and we notify you by email
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before any amendment takes effect.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.