How Our Terms Work in Practice
When you open an account, you accept that our terms govern every session, every deposit, and every withdrawal request. These terms are written to reflect the realities of mobile-first access in Indonesia — wallet transactions via DANA, OVO and GoPay are processed under the same policy
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framework as any other account activity. If local law in your region restricts or changes what we can offer, the restricted version applies; we do not override local regulation. Deposits you make through GoPay or OVO are final once confirmed in your account wallet — disputes
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need to be raised through our support channel within the window stated in your account history. For DANA transfers specifically, the reference number shown after your transfer is your primary evidence for any query. We retain transaction records consistent with what your account dashboard shows. We
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do not share your wallet details with third parties for marketing. Changes to these terms are posted here first; continued use after a posted change constitutes acceptance. You have the right to request a full account history at any time through the support path below.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.