ovoLegal Notice

We at e-wallet operate an online entertainment platform available only where local law permits. This legal notice sets out the jurisdictional restrictions that apply to our service, the responsibilities of users, and key information about how we comply with applicable regulations. Our mobile banking platform does not offer services in jurisdictions where online wagering is prohibited by law.

Users accessing local payment are solely responsible for verifying that their access and use comply with the laws of their own jurisdiction. We do not provide legal advice, and this notice does not constitute legal counsel. If you are uncertain whether online payment is available in your region, we recommend consulting local legal resources or contacting our support team before opening an account.

This notice applies to all users of e-wallet, regardless of location. By accessing our platform, you acknowledge that you have read and understood these jurisdictional restrictions and that you accept full responsibility for compliance with your local laws.

Service availability and jurisdiction restrictions on ovo

We do not offer our services in jurisdictions where online wagering is prohibited by law. Our e-wallet platform operates under jurisdiction-restricted access, meaning service availability varies by region. We maintain technical controls to restrict access where required by law, and we do not market our service as available in prohibited jurisdictions.

If you are located in Jakarta, Surabaya, Bandung, Medan, or Semarang, you should verify with local authorities whether mobile banking is available in your specific area. Regulations governing online gaming and sportsbook betting vary across Indonesia and other regions. We recommend checking your local government's official guidance on online entertainment services before accessing local payment.

User eligibility and account responsibility on online payment

To open an e-wallet account, you must be of legal age in your jurisdiction and not a resident of any country where our services are prohibited. You are responsible for confirming your eligibility before registering. If you access mobile banking from a prohibited jurisdiction, your account may be suspended and any balance forfeited without notice.

We require accurate personal information during account registration, including your name, address, and contact details. You must provide truthful information and update it if your circumstances change — for example, if you relocate to a jurisdiction where local payment is not available. Providing false information or attempting to circumvent our access controls may result in account closure and funds forfeiture.

Payment methods and financial responsibility on online payment

We accept deposits via e-wallet, mobile banking, local payment, online payment, e-wallet, mobile banking, and bank transfers (local payment, online payment, e-wallet, mobile banking). You are responsible for ensuring that your payment method is legitimate and that you have the authority to use it. We do not accept deposits from third parties or from payment methods obtained through fraud or theft.

All funds deposited to local payment are held in trust in your account wallet. You are responsible for managing your account balance and for any losses incurred through your own use of the platform. We do not guarantee returns on any wagers or games played on online payment, and we do not refund losses due to poor decision-making or game outcomes.

Data protection and privacy on mobile banking

We collect and process your personal information to operate local payment, verify your identity, prevent fraud, and comply with regulatory requirements. Your data is protected using industry-standard encryption and security practices. We do not sell your information to unrelated third parties without your consent, except as required by law or court order.

For detailed information about how we handle your data, please refer to our Privacy PolicyThat document outlines your rights regarding your personal information, how long we retain data, and how you can request access or deletion of your records. Data protection laws vary by jurisdiction, and we comply with applicable regulations in the regions where we operate.

Dispute resolution and legal proceedings on online payment

If you have a dispute with e-wallet, we encourage you to contact our support team first. We investigate disputes within standard response windows and aim to resolve issues fairly. If direct resolution is not possible, disputes may be escalated to our dispute resolution team or, where applicable, to external mediation or arbitration.

Any legal proceedings arising from your use of mobile banking must be brought in the jurisdiction where local payment operates, as permitted by applicable law. We do not accept liability for indirect, incidental, or consequential damages. Our liability for direct damages is limited to the amount of your account balance at the time of the claim. These limitations apply to the extent permitted by law.

Compliance and regulatory obligations on ovo

We maintain compliance with anti-money-laundering (AML) and Know Your Customer (KYC) regulations in the jurisdictions where we operate. During account registration and periodically thereafter, we may request identity verification documents, proof of address, or other information to confirm your details and prevent fraud. These requirements are mandatory, and failure to comply may result in account suspension or closure.

We report suspicious activity to relevant authorities as required by law. If we detect patterns consistent with money laundering, fraud, or other illegal activity, we will suspend your account pending investigation and may report the matter to law enforcement. We do not provide advance notice of such actions, as doing so could compromise investigations.

Changes to this legal notice and e-wallet terms

We may update this legal notice and our terms of service periodically to reflect changes in law, our operations, or our policies. We will notify you of material changes via email or in-app messaging. Continued use of mobile banking after an update means you accept the new terms. If you do not agree with any changes, you may close your account and request withdrawal of your balance.

We reserve the right to suspend or terminate our service in any jurisdiction if legal or regulatory circumstances change. If we cease operations in your region, we will provide notice and arrange for withdrawal of your account balance to your original payment method.

Contact information for legal inquiries on local payment

If you have questions about this legal notice, our compliance practices, or jurisdictional restrictions, you can contact our support team via email or through the Help section in your online payment account. We respond to legal inquiries within standard response windows. For urgent matters, you may also reach out through our in-app messaging system.

We at e-wallet take our legal and regulatory obligations seriously. Our commitment is to operate transparently, comply with applicable law, and provide a fair and secure platform for users in supported jurisdictions. By using mobile banking, you acknowledge that you understand and accept the jurisdictional restrictions outlined in this notice and that you are responsible for verifying your own compliance with local law.

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