How These Terms Apply to Wallets
These Terms & Conditions form the agreement between you and us when you create or use an account. They set out the account details you must provide, the phone verification step before access, and the way we handle wallet instructions, payment checks and account closure. DANA,
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OVO, GoPay and QRIS appear as payment choices, while bank transfer and virtual account instructions may require the exact account reference shown at the cashier. We may restrict access when required by local rules, and eligibility depends on local law. If you are in Semarang or
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elsewhere in Indonesia, use the current wording shown in your account before proceeding. A revised policy takes effect on the stated date, and continued account use after that date means you accept the revised terms.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.