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Our Terms and Conditions for Your Account

These Terms and Conditions govern every account opened on pulauwin and every transaction you make using DANA, OVO, GoPay or QRIS.

Account eligibility depends on local lawDANA, OVO, GoPay & QRIS covered24/7 support via live chat & emailApplies to all Indonesian regions

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What Our Terms Actually Cover

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

Our Terms and Conditions apply the moment you open an account on pulauwin and remain in effect for as long as your account is active. They set out your rights regarding deposits processed via DANA, OVO, GoPay and QRIS, withdrawal verification timelines, and how we handle

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account suspension or closure. Access to certain features depends on local law, and we reserve the right to update these terms when regulations change. We will notify you via the registered email address on file before material changes take effect. Continued use of your account after
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notification constitutes acceptance of the revised terms.

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

HUBUNGI TIM KAMI

Reach Us About Any Terms Question

If any clause in these Terms and Conditions is unclear, or if you believe a transaction has been processed in a way that does not match what is written here, our support team is available around the clock to clarify. You can reach us through three channels — live chat inside your account dashboard, our dedicated email address, or our Telegram support handle — all staffed every day, including national holidays in Indonesia.

Team online

Live Chat

Open the chat widget inside your account dashboard. Available 24 hours a day, seven days a week, including all Indonesian public holidays. Average response time is under two minutes.

Email Support

Send your terms-related query to our support address and expect a detailed written response within four hours. Attach any transaction reference numbers to speed up the review process.

Connect via our official Telegram support handle for a direct conversation about your account terms, DANA or OVO transaction disputes, or any clause you need explained in more detail.

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How pulauwin Upholds These Terms for You

Beyond writing these terms, we operate specific processes to make sure they are applied consistently to every account.

Data Handling

Your personal data is stored on encrypted servers. We collect only what is necessary to verify your identity and process…

Cookie Policy

We use session cookies to keep your account dashboard stable and analytics cookies to improve page performance.

Account Security

Two-factor authentication is available for all accounts. We log every login attempt and flag unusual access patterns automatically.

Data Retention

Account records, including transaction logs for QRIS and GoPay payments, are retained for a minimum of five years to comply…

Requesting Changes

You may request a correction to your account data or a review of any terms-related decision by contacting us via…

Terms Dispute Process

If you believe a rule has been applied incorrectly to your account, submit a written dispute through email support with…

Your Terms and Conditions Questions Answered

The questions below address what we hear most often from Indonesian account holders about these Terms and Conditions — covering eligibility, payment rules, account changes and how to raise a dispute with our team.

These terms apply to every person who opens or holds an account on pulauwin. Eligibility to access specific features depends on local law, and you are responsible for checking whether use is permitted in your location.

We will always notify you by email before making a material change to these terms. Minor corrections such as typo fixes may take effect immediately. Continued use of your account after a notification means you accept the updated terms.

Yes. Every payment processed through DANA, OVO, GoPay and QRIS is governed by the transaction rules set out in these Terms and Conditions, including clearing timelines and dispute procedures specific to each payment method.

If we suspend your account for a terms breach, you will receive an email explaining the reason and the steps you can take to appeal. Pending QRIS or GoPay withdrawals already approved before suspension will still be processed.

Send a data access request to our email support address with your account ID. We aim to provide a full export of your account data, including transaction history, within 72 hours where local law permits.

Contact us via live chat or email with your account ID and the specific clause you are disputing. We log every dispute formally and keep this consistent — every account receives the same review process regardless of transaction size.

Yes. Whether you access your account through a mobile browser on Android or iOS, or through our progressive web app, the same Terms and Conditions apply. No separate mobile-only terms exist on pulauwin.

Our Terms and Conditions for Your Account

Reach Us About Any Terms Question

Live Chat

Email Support

Telegram

How pulauwin Upholds These Terms for You

Data Handling

Cookie Policy

Account Security

Data Retention

Requesting Changes

Terms Dispute Process

Your Terms and Conditions Questions Answered

01 Who do these Terms and Conditions apply to?

02 Can pulauwin change the Terms and Conditions without notice?

03 Are my DANA and OVO transactions covered by these terms?

04 What happens if my account is suspended under these terms?

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

06 What should I do if I disagree with how a term was applied?

07 Do these terms cover my activity on mobile devices?

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