Reference

Understand How Your Account Works Here

These terms set the conditions under which you access sm650 and use your account, including how deposits via DANA, OVO, and GoPay are handled, what activity is permitted, and what happens when something goes wrong.

Applies to all account holdersCovers DANA, OVO, GoPay useJurisdiction-dependent accessAccount activity rules includedUpdated when policy changes

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What These Terms Actually Cover

sm650 Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

These terms govern every interaction between you and sm650 — from account registration through to withdrawal requests and account closure. Access to our platform depends on local law and is available only where permitted in your region. If you're in Surabaya or anywhere else in Indonesia,

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your use of the platform is subject to the eligibility conditions set out here. Wallet transactions through DANA, OVO, and GoPay are covered under the payment terms within this document; each transfer you initiate is treated as your acceptance of the applicable conditions at that moment.
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We reserve the right to update these terms when operational or regulatory requirements change. When we do, we'll notify you through your registered account contact. Continued use of your account after a policy update means you've accepted the revised version. Disputes related to these terms are
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handled through the contact process described in the support section below. These terms do not override applicable local law — wherever a local legal requirement conflicts with our policy, the local requirement takes precedence for users in that jurisdiction.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

TERMS CONTACT PATHS

Reach Us About Policy Questions

If any part of these terms is unclear, or if you need to raise a concern about how a policy has been applied to your account, our support team handles policy-related queries directly. You can reach us through live chat inside your account dashboard, by email, or through our WhatsApp support line. Policy queries are logged and responded to in writing so there's a clear record of every exchange.

Live Chat Open your account dashboard and start a live chat session. Policy questions are routed to the compliance-aware support team during active hours.

Email Support Send your terms-related query to our support email. You'll receive a written response, which creates a record of the policy clarification for your reference.

WhatsApp Line Our WhatsApp number is listed in the Help section of your account. Use it for urgent policy or account-access concerns that need a faster written response.

HOW WE HANDLE POLICY

How We Apply and Protect These Terms

These terms aren't static documents — they reflect how we actually operate your account day to day. From how we store your wallet details to how we handle access requests, every process described here maps to a real operational step on our side. If something changes, you'll hear about it through your account.

Account Data Handling Your account details, including linked e-wallet references for DANA, OVO, and GoPay, are stored securely and used only for the purposes described in these terms.

Cookie and Session Policy We use session cookies to keep your account active and functional during a visit. Cookie preferences can be adjusted through your browser settings at any time.

Requesting Account Changes To update personal details or request account closure, contact support in writing via email or live chat. We verify identity before processing any sensitive account changes.

Policy Retention and Records We retain records of accepted terms versions and account activity in line with standard operational practice. You can request a summary of your account history through support.

Common Questions About These Terms

These are the questions we get most often about how the terms work in practice — covering account access, wallet use, your rights under the policy, and what to do when something isn't clear.

Yes. Any deposit or withdrawal you make through DANA, OVO, or GoPay is governed by the payment conditions within these terms alongside the rules of the wallet provider you use.

We'll notify you through your registered contact when terms change. Continuing to use your account after the update takes effect means you've accepted the revised conditions.

Access depends on local law and is available only where permitted in your region. It's your responsibility to confirm that using this platform is lawful where you're located.

Submit your dispute in writing through live chat or email support. Every policy dispute is logged and responded to in writing so both sides have a clear record of the outcome.

Yes. Contact support and we can confirm which version of the terms was active when your account was created or when a specific transaction was processed.

Where a local legal requirement conflicts with our policy, the local requirement takes precedence for users in that jurisdiction. These terms do not override applicable local law.

Reference

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.

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Understand How Your Account Works Here

Reach Us About Policy Questions

How We Apply and Protect These Terms

Common Questions About These Terms

01 Do these terms apply to my DANA, OVO, and GoPay transactions?

02 What happens if the terms are updated after I open my account?

03 Can I access sm650 if I'm in Indonesia?

04 How do I raise a dispute about how a term was applied to my account?

05 Can I request a copy of the terms version I agreed to?

06 What if a local law in Indonesia conflicts with something in these terms?

Terms & Conditions

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