What These Terms Cover in Indonesia
These Terms & Conditions form the agreement between you and us when you create or use a sinaga123 account where local law permits. They describe eligibility, accurate registration details, phone verification, acceptable account use, wallet ownership, payment confirmation, withdrawal checks, access suspension and the process for
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closing an account. You must use your own account and provide details that match the payment route selected. DANA, OVO, GoPay and QRIS may require a matching account name or transaction reference before we can process a request. Bank transfer and virtual account records can also
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be checked against your account activity. We may update these terms when operational, legal or security needs change, with the revised date shown on the policy page. If a change affects your continued use, review it before signing in again. Where local law differs, that law
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applies to the relevant part of this agreement.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.