What Our Terms Actually Cover
Your agreement with kijanwin takes effect when you open an account. The terms govern how your account operates, what activity is permitted, and how disputes are handled. Because access depends on local law and eligible regions, eligibility is your responsibility to confirm before registering. We do
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not accept accounts from regions where access is restricted under local regulation. Payment activity through DANA, OVO, or GoPay is subject to both our terms and the respective wallet provider's own conditions — if your wallet declines a transaction, that decision sits with the wallet issuer,
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not kijanwin. Account data is collected at registration and verified before any withdrawal is processed. Retention of that data follows the schedule set out in our Privacy Policy, which you can request at any time through the support channel. Changes to our terms are communicated via
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the email address on your account — keeping that address current is your responsibility. If you disagree with a policy update and continue using the account after the effective date, the updated terms apply. For any clause that is unclear, reach out to support before acting
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on an assumption.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.