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Terms & Conditions That Govern Your Account

These Terms & Conditions set out the rights, obligations and rules that apply to every sbomoney account — covering how you access the platform, how your funds are…

Account EligibilityPayment Terms: DANA, OVO, GoPay, QRISFund Withdrawal RulesAccount Suspension PolicyGoverning Jurisdiction

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What These Terms Cover for Your Account

sbomoney Service availability depends on jurisdiction. Users are responsible for checking local law before access.

These Terms & Conditions apply to all account holders accessing sbomoney where local law permits. Access to specific features and markets depends on local law in your region — you are responsible for confirming that your use of this platform is permitted under applicable Indonesian regulations.

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Deposits processed through DANA, OVO, GoPay or QRIS are subject to the transaction limits and timing policies described in Section 4 of these terms. Withdrawals undergo a standard identity-verification step before funds are released; this step exists to protect your account and maintain transaction integrity. Any
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account found violating these terms may be suspended pending review. We update these terms periodically, and the version published on this page at the time of any transaction is the version that governs that transaction.

Service availability depends on jurisdiction. Users are responsible for checking local law before access.

TERMS CONTACT PATHS

Reach Us About These Terms

If any clause in these Terms & Conditions is unclear, or if you believe your account has been actioned incorrectly under these terms, our support team is available to help you work…

Live Chat Connect with our terms support team directly through the live chat window in your account dashboard. Available 24 hours a day, seven days a week, with a target first-response time of under two minutes.

Email Support Send a detailed query about any clause in our Terms & Conditions to our support email. We aim to issue a full written response within four business hours, with a copy kept on your account record.

WhatsApp For urgent terms-related concerns — such as a payment dispute or account suspension you believe is in error — reach our team on WhatsApp. We monitor this channel every day from 08:00 to 24:00 WIB.

ACCOUNT PROTECTION STANDARDS

How We Uphold These Terms for You

Adhering to our Terms & Conditions means we also commit to clear, accountable practices on our side.

Data Handling

Your personal and payment data — including DANA, OVO and GoPay transaction records — is stored with AES-256 encryption. We do not sell or share your data with third parties outside of what these terms explicitly permit.

Cookie Policy

We use session and preference cookies to keep your account logged in and to remember your deposit method. You can manage cookie preferences in your browser settings; disabling certain cookies may affect account functionality.

Account Security

Two-factor authentication is available on every account and strongly encouraged under these terms. Any login from an unrecognised device triggers an automated email alert to the address on your account file.

Data Retention

We retain account and transaction records for a minimum of five years from the date of each transaction, in line with standard financial record-keeping practice. You may request a copy of your own records via email.

Terms Change Notice

When we update these Terms & Conditions, we notify you by email at least seven days before the new version takes effect. The effective date appears at the top of this page and in the notification email.

Dispute Resolution

If you disagree with a decision made under these terms — including a withdrawal hold or account restriction — you may submit a formal dispute via email. We commit to issuing a written outcome within five business days.

Your Questions About These Terms Answered

Below are the questions we hear most often about our Terms & Conditions — covering eligibility, payment rules, account actions and how to request changes. If your question is not listed here, contact us via live chat or email and we will respond within the timeframes stated in our support section.

These terms apply to every person who opens or accesses an sbomoney account. Whether you deposit via DANA, OVO, GoPay or QRIS, all account activity is governed by the version of these terms published on this page at the time of that activity.

Access to and use of this platform depends on local law in your specific region. You are solely responsible for verifying that your use of sbomoney is permitted under applicable law in your area before opening an account or making any deposit.

We do not make changes without notice. Any update to these terms is communicated by email at least seven days before it takes effect. The live version on this page always carries a visible effective date at the top of the document.

If your account is suspended for a terms violation, pending deposits via DANA or OVO are held until the review is complete. If the suspension is lifted, funds are credited normally. If the account is permanently closed, we follow our refund procedure as outlined in Section 7 of these terms.

Send a data-request email to our support address from the email on your account. We will compile your transaction history, login records and profile data and deliver it to you within five business days, in line with the retention policy in these terms.

You may request deletion of personal data that is not subject to our five-year financial record-keeping obligation. Submit the request by email; we will confirm which data can be removed and action the deletion within ten business days of your verified request.

Submit a formal written dispute via our support email, referencing the specific clause and the account action you are contesting. Our compliance team will review the case and issue a written outcome within five business days of receiving your complete dispute submission.

Terms & Conditions That Govern Your Account

Reach Us About These Terms

How We Uphold These Terms for You

Data Handling

Cookie Policy

Account Security

Data Retention

Terms Change Notice

Dispute Resolution

Your Questions About These Terms Answered

01 Who does sbomoney's Terms & Conditions apply to?

02 Is it legal to use sbomoney in Indonesia?

03 Can sbomoney change these Terms & Conditions without notice?

04 What happens to my DANA or OVO deposit if my account is suspended?

05 How do I request a copy of my account data?

06 Can I ask sbomoney to delete my account data?

07 What do I do if I disagree with how these terms were applied to my account?

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