Our Legal Stance and What It Means for You
koitoro operates under a jurisdiction-dependent framework, meaning your ability to access our services depends on local law in your region. We do not make claims about universal availability. Where access is permitted, your account relationship with us is governed by the terms displayed at registration and
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updated periodically through your account dashboard. We process personal data strictly for account operation, transaction verification and communication purposes. Payment data tied to DANA, OVO or GoPay passes through encrypted channels and is never stored in raw form on our servers after a transaction completes. Cookie
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use on our site supports session management, fraud prevention and basic analytics — we explain each category in the trust section below. You retain the right to request data export or deletion by contacting our support channels directly. We do not sell or share personal information
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with unrelated third parties for marketing purposes. Any policy change that affects your rights triggers a notification to the email tied to your account at least seven days before the change takes effect. If a provision in our terms conflicts with local consumer protection rules in
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your region, the local rule prevails to the extent required.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.