Your legal position before account use
Your legal standing starts with the account step you complete: mobile number, password, and the wallet rail you choose. We record acceptance of the terms, IP region, device type, and payment reference so account disputes can be traced without guessing. If you access from Bandung or
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another Indonesia location, service availability still depends on local law; we do not create a right to use the site where local law does not permit it. Wallet activity through DANA, OVO, GoPay, and QRIS is treated as account evidence, not as proof that every service
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is available in your area. When a clause changes, we place the update inside the account area before it applies to later activity. You can leave the page and return before accepting the new wording.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.