How Our Terms Apply to You
When you open an account with hoki103, you agree to terms that cover how your data is stored, how your wallet transactions are processed, and what we can and cannot do with your account information. Deposits and withdrawals made through DANA, OVO, or GoPay are subject
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to both our platform terms and the individual e-wallet provider's conditions — if there is a conflict, we will tell you which applies. We do not share your personal account data with third parties for marketing without your consent. Your account activity, including transaction history tied
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to your GoPay or OVO wallet, is retained for the period required under applicable Indonesian regulations. If you believe a transaction was processed in error, you can raise a dispute through our support channel and we will review the record within the timeframe set out in
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our dispute policy. Availability of specific features depends on your region and whether local law permits access. We update these terms when regulations change and will notify you via the contact method on your account before changes take effect.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.