Our Legal Terms for Indonesian Accounts

These terms govern how your account is created, how your data is stored, and how transactions processed through DANA, OVO, GoPay and QRIS are recorded on our system. Access to our platform and any associated features depends on local law — if your region of Indonesia

1. 1

   restricts certain services, those restrictions apply to your account automatically. We retain transactional records for audit purposes in line with applicable data-retention standards. Account holders in Jakarta and across Indonesia are subject to the same baseline policy. Changes to these terms are communicated via the email

2. 2

   address tied to your account at least seven days before they take effect, so you are never caught off guard by a policy update.

Service availability depends on jurisdiction. Users are responsible for checking local law before access.