How These Terms Apply to Access
These Terms & Conditions form the agreement between you and us when you open, access or continue using an account. They describe the account details you must keep accurate, the phone verification step before account access, and the checks applied when activity, identity or wallet ownership
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needs confirmation. They also explain how we may update wording, pause access while a question is checked, or close an account when the stated rules or local requirements call for it. Access depends on local law, and any eligibility decision is made where local law permits.
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DANA, OVO, GoPay, QRIS, bank transfer and virtual account labels may appear in account records or payment references, but these Terms do not change the rules of those providers. Read the current text before using the account, especially after a notice appears in your account area.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.