Read Legal conditions beside payment records
Our Legal conditions describe who may access the account area, how we verify the phone number connected to an account, and which information is needed when a payment status requires checking. Access to kerbau28 depends on local law, and you must stop if the service is
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not permitted in your location. DANA, OVO, GoPay and QRIS may appear as payment references in account records; bank transfer and virtual account entries can also be matched to your account details. We use those records to investigate an unmatched receipt, confirm the requested account action
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and keep a clear audit trail. The conditions also explain when we may restrict access, request clarification or retain records for a stated operational or legal reason. Before you open an account, read this page together with any notice shown during phone verification or a payment
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request.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.