Know which Legal terms apply to you
Our Legal terms set the conditions for opening, using and closing an account on panen123. They explain the details we request during phone verification, how we match a wallet or bank transfer to your account, and when we may ask for another check before processing a
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transaction. Access is provided where local law permits and depends on local law, so your location can affect eligibility. The policy also describes acceptable account use, the handling of records linked to DANA, OVO, GoPay, QRIS, virtual account and bank transfer, plus the process for raising
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a question. These terms do not change the rules of your bank or wallet provider. Read the current wording before sending funds, and keep your account details accurate so our records remain connected to you. For a policy question, use the contact path shown after login
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and include the account phone number without sharing your password.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.