How Our Terms Apply to Your Account
These terms apply to any account opened and used through tot21 where local law permits. Access is not universal — eligibility depends on the region you are in and the laws that apply there. If you are accessing from Indonesia and your region is eligible, these
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terms govern every interaction: account registration, wallet linking, transaction history and session data. When you link DANA, OVO or GoPay to your account, the transaction record is stored against your account profile and subject to our data retention policy described below. We do not share wallet
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details with third parties outside of what is required for payment processing. Our terms can change; when they do, we will update the version date visible at the bottom of this page and, where the change is material, notify you through your registered contact. Continued use
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of your account after a policy update means you accept the revised terms. If you disagree with any update, you can close your account by contacting our support team before the effective date. Disputes arising from account use or payment transactions should first be raised through
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support; we will work to resolve them through our internal process before any external escalation. These terms are written in English and the English version controls in any ambiguity.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.