What Our Legal Terms Actually Cover
These terms apply to every account opened through harta111 and cover how we process your registration details, transaction records, and session activity. Your account data — including the payment method you used to fund it, whether DANA, OVO, or GoPay — is stored only as long
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as it is needed to maintain your account or meet any record-keeping obligation under applicable law. When you complete a deposit via OVO or GoPay, the transaction reference is logged against your account for dispute resolution purposes. If a chargeback or payment query is raised, that
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record is what we use to verify your funding path. We do not share payment reference data with unaffiliated third parties except where required by law. Eligibility to access harta111 is determined by where you are located and whether local law permits participation. We do not
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accept accounts from regions where access is restricted. If your eligibility status changes, we will notify you through the contact details on file and outline the steps for any account closure or fund return. Any dispute about these terms is handled through the contact channels listed
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in the support section below, and we aim to respond to formal queries within the timeframe set out in our policy documents.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.