DANA, QRIS and Local Access Rules
These Terms & Conditions form the agreement between you and us when you open or use a koin404 account. They cover account registration, accurate personal details, phone verification before account access, acceptable account activity, wallet instructions and the circumstances in which we may pause access to
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check a transaction or account record. Payment references can include DANA, OVO, GoPay, QRIS, bank transfer and virtual account, but the available route shown to you is the route that applies to your account at that time. A payment receipt and its status should be kept
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until the account record is complete. You must read any page notice connected to a transaction before confirming it. Access and eligibility depend on local law, and these Terms & Conditions apply only where local law permits.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.