What Applies By Location
Our legal position is simple: these terms apply to your account only where local law permits access and use. If a rule in your region is stricter, that local rule comes first, and we will follow it before any account action moves ahead. When we need
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to confirm identity, we may ask for a wallet-name match, a fresh sign-in, or a request sent from the verified profile, especially after changes to device, name, or contact details. DANA, OVO, GoPay, and QRIS are listed here as the local payment context around your account
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flow, not as a promise that every method is available in every place. We keep consent logs, message threads, and request history for as long as needed to handle disputes, legal retention duties, and account corrections.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.