How Our Terms Apply to Your Account
Our terms of use apply to every account holder accessing apk kakrp where local law permits, including those transacting through DANA, OVO, GoPay, and QRIS. The jurisdiction governing any dispute is determined by the location tied to your registered account, and your access to certain features
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depends on local law. We retain transaction records — including deposit references from DANA and QRIS — for a minimum of twelve months to support any account query or dispute resolution request you raise. If a term conflicts with applicable Indonesian consumer protection standards, the more
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protective rule applies to your account. We update these terms when regulations change; the version date shown at the bottom of this page is always the active one. Continued use of your account after a policy update constitutes acceptance of the revised terms. You may request
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a copy of the current terms at any time through our live chat channel.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.