What These Terms Cover For Your Account
These Terms & Conditions set the rules for opening, using and protecting your kudamas11 account. They cover the phone verification step before account access, the accuracy of details you submit, wallet records and requests connected with DANA, OVO, GoPay, QRIS, bank transfer or virtual account. We
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may ask for a receipt or transaction reference when a payment status needs checking. Access depends on local law, and we may limit or pause account functions where local law permits. The terms also explain how we handle policy updates, account closure requests, security concerns and
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contact messages. Read this page before opening an account, then return to it whenever we publish a dated change. If a payment rail is unavailable in your account, do not repeat the transaction; contact support with the reference instead.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.