Reference

Terms and Conditions That Govern Your cumi23 Account

Every account on cumi23 operates under these Terms and Conditions — they define what you can do, how payments are handled through DANA, OVO and GoPay, and what happens when something goes wrong.

DANA, OVO, GoPay coveredAccount eligibility rulesJurisdiction-dependent accessWallet verification requiredBinding on registration

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HOW WE HANDLE COMPLIANCE

How cumi23 Manages These Terms in Practice

Knowing a policy exists is different from knowing how it is enforced. These four points explain the practical steps we follow under these Terms and Conditions, from account security through to how you can request a change or raise a complaint.

Account Security and Access

Your account is protected by login verification, including OTP confirmation tied to your registered mobile number. Any access attempt that bypasses this triggers an automatic hold pending your written confirmation to support.

Wallet Verification Process

Before your first withdrawal via DANA, OVO or GoPay, we verify that the wallet name matches your registered account name. This step is required under our payment-integrity clause and cannot be skipped or substituted.

Data Handling and Retention

We retain account data — registration details, transaction history, wallet references — for the period required by applicable regulations. You can request a summary of your stored data by writing to our support email with your account ID.

Requesting Term Changes or Account Closure

If you want to dispute how a term has been applied, or request account closure, submit the request in writing via email. We acknowledge all written requests and respond with the outcome and the clause that governed our decision.

REACH US DIRECTLY

Contact Us About These Terms

If any clause in these Terms and Conditions is unclear, or if you need to dispute an action taken on your account under these terms, our support team is reachable through the channels below. Queries about wallet-specific rules — such as DANA deposit limits, OVO transaction verification or GoPay refund handling — should include your registered account number and the wallet transaction reference for faster resolution.

What These Terms Cover and How They Apply

cumi23 Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

These Terms and Conditions form a binding agreement between you and cumi23 from the moment you open an account. They cover account registration, acceptable use, payment processing via DANA, OVO and GoPay, withdrawal procedures, account suspension and termination. You agree to these terms by completing registration

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— no separate signature is needed. cumi23 reserves the right to update these terms at any time. When that happens, we will notify you through your registered account or by email, and continued use of the platform after notice constitutes acceptance. If you disagree with any
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updated terms, you should stop using your account and contact support to close it. These terms do not override applicable local law. Where a clause conflicts with Indonesian consumer protection rules or other applicable regulations, the local legal requirement takes precedence. Eligibility to use cumi23 is
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strictly subject to local law and applies only in regions where access is permitted. We do not knowingly accept accounts from regions where our services are restricted. Payment-related clauses in these terms apply specifically to wallet deposits and withdrawals processed through DANA, OVO and GoPay —
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each wallet has its own provider policies that run alongside ours.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Common Questions About These Terms and Conditions

These questions cover the terms clauses that come up most often — account eligibility, wallet rules, what happens if terms change, and how to formally raise a complaint. If your question is not here, the live chat channel is the fastest way to get a direct answer from our team.

Yes. Completing the account registration process constitutes acceptance of these terms in full. You cannot hold an active cumi23 account without agreeing to the current version of these Terms and Conditions.

We notify you through your registered account or by email before changes take effect. Continuing to use the platform after that notice means you accept the updated version. If you disagree, contact support before the effective date.

Our payment clauses cover how we process DANA, OVO and GoPay transactions on our side. Each wallet provider also has its own terms, and both sets apply. Disputes about a wallet transaction need a reference number from the wallet app.

Yes. We can suspend an account if there is a suspected breach of these terms, including identity mismatch on wallet verification. We notify you by email and through your account dashboard, stating the clause that triggered the action.

Send a written request to our support email using your registered account ID. We will confirm what data we hold and the retention period that applies, in line with the data-handling clause of these terms.

Submit a written dispute via email, naming the specific clause and the account action you are challenging. Our team will review it, reference the relevant term, and respond with a documented outcome within a reasonable timeframe.

Reference

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.

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Terms and Conditions That Govern Your cumi23 Account

How cumi23 Manages These Terms in Practice

Account Security and Access

Wallet Verification Process

Data Handling and Retention

Requesting Term Changes or Account Closure

Contact Us About These Terms

Common Questions About These Terms and Conditions

01 Do I have to accept these Terms and Conditions to open an account?

02 What happens when cumi23 updates its Terms and Conditions?

03 Are there separate terms for DANA, OVO and GoPay payments?

04 Can cumi23 suspend my account under these terms, and how will I know?

05 How do I request access to the data cumi23 holds about me?

06 What should I do if I think a term has been applied incorrectly to my account?

Terms & Conditions

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