How These Terms Apply to Your Account
When you create an account on colatoto, you enter into an agreement that covers every part of how you use the platform — from logging in on your phone to sending a deposit via OVO or GoPay. We may update these terms when regulations or platform
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features change; we will notify you through your registered contact before changes take effect. Your continued use of the account after that notice counts as acceptance. These terms do not override applicable Indonesian law, and nothing here creates rights beyond what local regulation allows. If a
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section conflicts with a mandatory local rule, that rule takes precedence. We keep a version history of these terms so you can always check what changed and when. For any clause you find unclear, reach out through our support channel before continuing to use the account
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— we would rather clarify upfront than have a misunderstanding affect your experience. Availability of specific features, including certain payment rails, depends on your region and on whether local law permits access at the time you use them.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.