How Local Law Shapes These Terms
Our Terms & Conditions apply to your account relationship with us, but some access questions depend on local law. Where local law permits, you may open an account after completing the requested account step and phone verification; we may pause access when details do not match
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the account record or a payment reference needs checking. The terms also explain how DANA, OVO, GoPay, QRIS, bank transfer, and virtual account references are recorded against your account. A wallet confirmation does not replace our account rules, and a pending receipt may require a status
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check before the relevant balance is updated. If a clause changes, we place the current wording on this page and identify the practical effect. Your continued account use after an applicable change follows the updated wording, subject to any rights required by local law.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.