Reference

What You Agree To When You Use jarum76

These terms set out what we expect from you and what you can expect from us — covering account creation, wallet transactions through DANA, OVO, or GoPay, and how we handle disputes.

Applies to all accountsDANA, OVO, GoPay coveredIndonesia-region eligibilityUpdated when rules changeContact us with questions

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How These Terms Apply to Your Account

jarum76 Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

By creating an account on jarum76, you confirm that you have read and accepted these terms in full. They apply to every session — whether you log in from Bekasi on a mobile browser or switch to desktop mid-session. Wallet-based transactions processed through DANA, OVO, or

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GoPay are subject to both our terms and the individual payment provider's own rules; if there is a conflict, our terms govern the jarum76 side of the transaction only. We may update these terms when our services change, when local regulatory requirements shift, or when we
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add new payment methods. When an update happens, we will note the revision date at the top of this page. Continuing to use your account after an update means you accept the revised terms. If any clause is found unenforceable under applicable local law, the remaining
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clauses stay in force. These terms do not override any obligation we have under Indonesian consumer protection law or any other applicable local statute. Where access or eligibility is discussed anywhere on this site, it depends on local law and is available only in supported regions.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

TERMS CONTACT PATHS

Reach Us About These Terms

If something in these terms is unclear — or if you want to flag a concern about how a rule was applied to your account — our support team can walk you through it. Whether it's a wallet dispute involving OVO or a question about account suspension, we respond through the channels below. We aim to acknowledge every terms-related query and give you a substantive answer, not a scripted deflection.

Live Chat Open the chat widget from any page on jarum76 to ask about a specific clause, an account action, or a wallet transaction you want clarified.

Email Support Send a detailed message if your question involves account history or a formal dispute. Include your registered account details so we can respond accurately.

Help Centre Our help centre carries plain-language summaries of key clauses — useful if you want a quick read on a specific policy area before contacting us directly.

HOW WE HANDLE THIS

What We Do to Keep These Terms Fair

We keep our terms written in plain language so you know exactly where you stand. Account security, data handling, and wallet verification all connect back to specific clauses — nothing is hidden in small print. If you think a decision on your account was made in error, there is a formal review path you can request through support.

Account Security

Login sessions are protected and any suspicious activity triggers a verification step. You can request a session review if you notice access you don't recognise.

Data Handling

We collect only what we need to process your DANA, OVO, or GoPay transactions and verify your account. We do not sell your personal data to third parties.

Retention Policy

Account records are retained as required by applicable local law. If you close your account, you can request confirmation of what data we hold and for how long.

Requesting Changes

To request a correction to your account information or to dispute a term's application to your account, contact us via live chat or email with your account details ready.

Common Questions About These Terms

These are the questions we get most often about how the terms work in practice — covering wallet use, account access, disputes, and what happens when rules change.

Yes. Any wallet deposit or withdrawal processed through DANA, OVO, or GoPay falls under these terms. Your payment provider's own rules also apply on their side of the transaction.

We update the revision date at the top of this page and, where the change is significant, we notify you through your registered contact. Continued account use counts as acceptance of the revised terms.

Yes. Contact us via live chat or email with your account details and the specific decision you want reviewed. We assess each case against the relevant clause and respond with our finding.

Account access depends on local law and is available only where eligible regions permit it. By registering, you confirm you are accessing from a supported region and meet the eligibility criteria set out in the terms.

We collect what is needed to verify your identity and process wallet transactions. Retention periods follow applicable local law requirements. You can request a summary of your data by contacting our support team.

If a clause appears unclear or you believe it was applied incorrectly to your account, raise it through our email support channel. We review every formal query and respond with a specific explanation, not a generic reply.

Reference

Terms & Conditions

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.

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What You Agree To When You Use jarum76

Reach Us About These Terms

What We Do to Keep These Terms Fair

Account Security

Data Handling

Retention Policy

Requesting Changes

Common Questions About These Terms

01 Do these terms cover my DANA, OVO, and GoPay transactions?

02 What happens if jarum76 updates the terms?

03 Can I dispute a decision made under these terms?

04 Who can open an account under these terms?

05 What data does jarum76 collect and how long is it kept?

06 What if I disagree with a clause in the terms?

Terms & Conditions

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