danaTerms of Use
When you create an account on e-wallet, you enter into an agreement with us about how our platform operates and what we both expect from each other. These terms lay out your responsibilities, our responsibilities, and the rules that govern your use of our service. We keep them straightforward and honest — no hidden clauses or surprise restrictions.
Our terms cover account creation, deposits and withdrawals, game rules, dispute resolution, and the jurisdictional boundaries of our service. We are transparent about what we do with your data, how we handle payments through mobile banking, local payment, online payment, e-wallet, mobile banking, local payment, online payment, e-wallet, mobile banking, and local payment, and what happens if something goes wrong. By using online payment, you acknowledge that you have read and understood these terms.
This page is designed to be read on mobile — our primary platform — so you can quickly find the section you need. We recommend reading the entire document once to understand the full picture, then returning to specific sections as needed.
Account Creation and Eligibility on dana
When you open a e-wallet account, you confirm that you are of legal age in your jurisdiction and that your access complies with local law. Our services are available only where applicable law permits. You are responsible for verifying that your use of mobile banking aligns with your jurisdiction's regulations. If you live in a region where online gaming or wagering is prohibited, you may not use our platform.
You provide us with accurate contact information — email, phone number, and identity details — during account setup. We use this information for Know Your Customer (KYC) verification, to send you account updates, and to process deposits and withdrawals. We encrypt all this data and store it securely on our servers. We never share your personal information with third parties except where Indonesian law explicitly requires it or where necessary to process your payment.
Your account is personal to you. You may not share your login credentials with anyone or allow another person to use your account. If we detect suspicious activity (multiple logins from different countries in minutes, repeated failed password attempts, or patterns inconsistent with your normal behaviour), we may temporarily lock your account and ask you to verify your identity. This protects you from theft.
Deposits, Withdrawals, and Payment Terms on local payment
We accept deposits through nine payment methods: online payment, e-wallet, mobile banking, local payment, online payment, e-wallet, mobile banking, local payment, online payment, and e-wallet. Deposits are processed by your bank or wallet provider — we never hold your payment credentials. We do not charge deposit fees; your full amount reaches your mobile banking account balance. Deposits typically complete within seconds for e-wallets and local payment, and within minutes for bank transfers during business hours.
When you withdraw funds, we reverse the process through your chosen payment method. All withdrawals are subject to verification to prevent fraud and money laundering. During verification, your withdrawal is pending — this window typically lasts from a few minutes to a few hours depending on your account history and the amount. We do not guarantee subject to verification, as banking systems require time to settle. During peak periods (Idul Fitri, Idul Adha, major Liga 1 or Piala AFF tournaments), processing may take longer due to banking system load.
If you request a withdrawal and our fraud system detects irregularities, we may ask you to provide additional documentation. This is not a refusal — it is a security step to ensure your funds go to you, not a scammer. Cooperate with our support team, and the withdrawal will proceed once verified.
- Deposit fees
- We charge no fees on deposits; your full amount is credited to your online payment account.
- Withdrawal fees
- We charge no fees on withdrawals; your bank or wallet provider may charge a fee on their end.
- Minimum deposit
- Each payment method has its own minimum set by your bank or wallet; typically between 10,000 and our welcome offer.
- Verification window
- Withdrawals are verified before processing; this typically takes minutes to hours, not instant.
Game Rules and Fair Play on e-wallet
Every game on our platform — sports bets, live-dealer tables, slots, and arcade titles — uses certified random-number generation. We do not bias outcomes toward or against you. Our games are audited by third-party testing laboratories to verify fairness. Return-to-player (RTP) percentages are published for each slot and arcade game so you understand the long-term payout profile.
When you place a bet or spin, the outcome is determined at that moment by our random system. We cannot reverse a bet, modify odds, or change a result after the fact. If you believe a result was calculated incorrectly, contact our support team through in-app help with your game reference code. We will review the calculation and your account logs. If an error is confirmed, we will correct your balance.
Bonuses and promotional offers, when available, carry their own terms. We do not advertise fixed bonus amounts; instead, we describe offers as "attractive" or "competitive". Any bonus you receive must be used according to the specific terms posted at the time you claim it. Bonuses typically come with wagering requirements (you must play through the bonus amount a certain number of times before you can withdraw it). We detail these requirements clearly when you accept a bonus.
Your Data and Privacy on mobile banking
We collect your email, phone, identity information, and payment history to operate our platform and comply with banking regulations. This data is encrypted using SSL and stored on our secure servers. We use industry-standard security practices to prevent unauthorised access. We log your login activity, game history, and account transactions for your protection and for regulatory compliance.
We do not sell your personal data to third parties. We share your information only with payment processors (banks and wallet providers) to complete your deposits and withdrawals, and with regulators or law enforcement if legally required. If you request account deletion, we remove your personal information from active databases but retain transaction records for a period required by law for auditing and compliance.
Account Suspension and Termination
We reserve the right to suspend or terminate your local payment account if we suspect fraud, money laundering, underage access, or breach of these terms. Suspension means your account is locked and you cannot log in. Termination means we close your account permanently. If we suspend your account, we will attempt to notify you through your registered email explaining the reason. You may appeal the suspension by contacting our support team.
If your account is suspended or terminated, any outstanding balance is held pending investigation. Once we confirm no fraudulent activity, we will return your funds to your preferred payment method. This may take several days.
Dispute Resolution and Jurisdiction
If you believe we have treated you unfairly or failed to honour these terms, contact our support team through in-app help or email. Describe the issue, provide your account email and reference codes for any relevant transactions, and we will investigate. Most disputes are resolved within a reasonable timeframe through direct communication.
Our services are governed by the laws of Indonesia and available only in jurisdictions where applicable law permits. Any disputes arising from your use of online payment are subject to Indonesian law. We both agree to attempt resolution through negotiation before pursuing legal action. If legal action becomes necessary, it will be handled according to Indonesian jurisdiction.
Changes to These Terms
We may update these terms from time to time to reflect changes in our operations, payment methods, or legal requirements. When we make material changes, we will notify you via email and through an announcement on our platform. Your continued use of dana after we post updated terms means you accept those changes. If you do not agree with the updated terms, you may close your account.
Limitation of Liability
Our platform operates on a best-effort basis. We maintain standard security practices, but no online system is 100 percent secure. We are not liable for losses caused by your own negligence (e.g., sharing your password), third-party theft, or circumstances beyond our control (internet outages, banking system failures). If a technical error occurs on our platform that affects your account, we will investigate and correct it, restoring your account to its fair state based on our server records.
Summary of Your Rights on e-wallet
You have the right to open and use a mobile banking account in any supported jurisdiction. You have the right to deposit and withdraw your funds through our supported payment methods with no platform fees. You have the right to access your complete account history, transaction ledger, and game results through our Number Archive. You have the right to close your account at any time (pending any outstanding withdrawal verifications). You have the right to contact our support team if you believe an error has occurred.
You also have the responsibility to provide accurate information when opening your account, to keep your password secure, to use local payment in compliance with your local law, and to notify us immediately if you suspect your account has been compromised. Our services are available only where applicable law permits. By using online payment, you confirm that you meet all eligibility requirements and that your use complies with your jurisdiction's law.
For questions about these terms, contact our support team through in-app help. We are here to clarify any section and to ensure you understand your rights and responsibilities when using e-wallet.