How local law shapes your account
A clear legal scope helps you know what happens before you create an account, verify your phone number, or open Wallet > History after a DANA, OVO, GoPay or QRIS transaction. Our terms apply to your account use, payment records, cookie consent, security checks and dispute
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contact paths, not to any area where local law does not permit access. If you are in Indonesia, including Denpasar, you should check your local rules before using the account. We may pause access when a legal, security or payment check is needed, and we keep
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records tied to your registered phone, email, device log and wallet activity so we can answer a legal request with the right account trail.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.