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Read These Terms Before You Open an Account

These terms set out the rules between you and semartjitu — what you can do on the platform, how your account is managed, and what applies to deposits made via DANA, OVO, or GoPay.

Account eligibility rulesDANA, OVO, GoPay deposit termsWithdrawal and balance conditionsAccount suspension policyJurisdiction-dependent access
semartjitu Read These Terms Before You Open an Account
REACH US DIRECTLY

Contact Us About Your Terms Questions

If something in these terms is unclear — whether it relates to your DANA deposit, a withdrawal hold, or account access — our support team can walk you through it. Reach us through the channels below and have your account details ready so we can respond quickly.

Live Chat Open the chat window from your account page. Available during platform operating hours for account, wallet, and terms queries.
Email Support Send your terms or account question to our support address. Include your registered OVO or DANA wallet number to speed up your case.
Help Centre Browse our help section for answers on withdrawal conditions, account rules, and GoPay deposit matching before raising a ticket.
HOW WE HANDLE YOUR ACCOUNT

Security and Fairness Under These Terms

Knowing how we apply these terms in practice matters as much as the terms themselves. Here is how semartjitu approaches the areas that affect your account day to day — from data handling to the steps we take when something needs review.

Account Data Handling

Your personal details and wallet information — including your DANA or OVO account number — are held securely and used only to process transactions and verify your identity.

Session and Access Security

Each login session on mobile or desktop is protected. If unusual activity is detected on your account, access may be paused while we verify ownership with you directly.

Data Retention Policy

We keep transaction records for the period required by applicable rules in the regions where we operate. You can request a summary of your account activity through our support team.

Requesting Changes or Corrections

If your registered GoPay or bank wallet details change, contact support before initiating a withdrawal. Mismatched details are the most common cause of processing delays.

Common Questions About Our Terms

These are the questions we hear most often about how our terms work in practice. If yours is not covered here, our live chat team can help during operating hours.

No. These terms allow one account per person. If we detect duplicate accounts linked to the same wallet or identity, both may be suspended pending review.

Any balance is frozen during a suspension review. If the account is cleared, access and funds are restored. If the breach is confirmed, the balance outcome follows our suspension policy.

The core terms apply equally regardless of which wallet you use. DANA, OVO, and GoPay deposits all follow the same confirmation and withdrawal-matching conditions.

We publish updates on this page. Continued use of your account after a change is posted means you accept the updated terms. Check back here if you are unsure of the current version.

Yes. Contact our support team via live chat or email with your registered wallet number and we will send a summary of your account activity within a reasonable period.

The terms apply to all accounts opened where local law in Indonesia permits access. Regional differences in eligibility depend on applicable local law, not on account terms specifically.
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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.