Reference

What You Agree to When You Use apk45

These terms set out how your account works, what we expect from you, and what you can expect from us — covering everything from how DANA, OVO, and GoPay deposits are processed to how disputes are handled.

Account eligibility rulesDANA, OVO, GoPay deposit termsWithdrawal conditionsAccount suspension policyApplicable jurisdiction
apk45 What You Agree to When You Use apk45
HOW WE HANDLE THIS

Account Security and Policy Handling

Account Data Retention We keep your account data for as long as your account is active and for a further period as required by applicable rules. You may request a summary of what we hold.
Wallet Name Matching Your DANA, OVO, or GoPay account name must match your apk45 account name. Mismatches delay or block withdrawals and may trigger a manual review of your account.
Account Security Practices We use SSL encryption on every session and require OTP confirmation for login and withdrawal requests. Never share your OTP or account PIN with anyone, including support staff.
Requesting Term Clarifications If any clause is unclear, contact us via live chat before acting on your interpretation. We will confirm the correct reading in writing so there is no ambiguity on your account.
TERMS CONTACT PATHS

Reach Us About These Terms

Live Chat Open the chat window from your account dashboard to ask about any clause, account restriction, or payment-related term. A team member will respond directly.
Email Support Send a detailed query to our support address if you need a written record of the clarification. Reference your account ID and the specific term you are asking about.
Account Help Centre Check the Help Centre from the mobile menu for indexed answers on account rules, wallet verification steps for DANA, OVO, and GoPay, and suspension procedures.

Common Questions About Our Terms

These are the questions we hear most often about how the terms apply to real account situations — from payment wallets to account access and suspension.

No. Deposits must come from a wallet registered in your own name. Using another person's DANA or OVO wallet breaches our account terms and may result in a withdrawal hold.

Multiple accounts are not permitted. If we detect duplicate accounts linked by device, wallet, or identity, both accounts may be suspended and balances held pending review.

We flag updates on this page with a revision note. Continuing to use your account after the change is posted counts as your acceptance of the revised terms.

Yes. Where Indonesian law restricts a feature or service, that restriction applies regardless of what these terms say. Access depends on local law and eligible regions.

Contact support via live chat or email with your account ID and a data request. We will provide a summary of what is held and the basis on which we retain it.

Breaches including mismatched wallet names, duplicate accounts, or fraudulent deposit activity can lead to suspension. We will notify you and explain the review process by email.
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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.