Scope of These Terms and How They Apply
When you create an account on top1to, you enter a binding agreement with us covering how you use the platform and how we process your data. These terms apply to every session — whether you fund your account via DANA, OVO or GoPay, or whether you
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are accessing from Surabaya or anywhere else in Indonesia where access is permitted under local law. We collect only the data needed to operate your account: identity verification details, transaction records linked to your e-wallet or bank, and session logs. We do not sell this data
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to third parties. Your payment records — including DANA transfers, OVO deposits and GoPay transactions — are stored securely and used only to verify and process your requests. We reserve the right to update these terms; when we do, we post the revised version here and
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notify you by account message. Continued use after that notice means you accept the changes. If any clause conflicts with the laws applicable in your region, that clause is modified only to the extent needed for compliance. All other clauses remain in force. These terms are
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written in English; in the event of a translation dispute, the English version controls.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.