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TERMS AND CONDITIONS FOR THE USE OF GO-PAY

When You use GO-PAY, You are trusting us, PT Dompet Anak Bangsa (“GO-PAY” or “We” or “Us”), with Your money and information. It is important for Us to maintain Your trust. Therefore, We need You to read and agree to the measures that We are applying to maintain Your trust, which We set out in these terms and conditions.


  1. Scope

    These terms and conditions apply to all users who access and/or use a part or all of the services available in GO-PAY, an electronic money issued by Us together with its related services, which is provided through GOJEK application or any other authorized platform partners through which a part or all of GO-PAY features can be accessed (“Authorized Platform Partner”), and to each person who files a request or who provide information to Us or to Authorized Platform Partner in relation to any or all GO-PAY services.


  2. Account Registration

    1. 2.1.  You may set up a GO-PAY account: i) automatically, by signing up for a GOJEK account; and/or ii) by submitting a registration request to Us via any Authorized Platform Partner. You need to provide valid, accurate and up-to-date information about Yourself upon setting up a GO-PAY account.

    2. 2.2.  You need to understand that Your log-in information details, including log-in details to Your GOJEK application and/or any Authorized Platform Partner, are confidential and therefore You will not disclose Your log-in information details to any third party, including any secret password and/or verification code in the form of a One Time Password (OTP) that can be sent via Short Messaging Services (SMS) to Your registered telephone number every time there is a log-in attempt to Your account. The secret password and/or verification code (including OTP) will only officially be requested via and shall only be submitted by You to Your GOJEK application or any Authorized Platform Partner’s application. We or Our staff will never ask for Your secret password and/or verification code (including OTP) via any manner. You agree to assume all risks relating to the disclosure of your log-in information to any third party and to be fully responsible for every consequence related thereto. Any verified OTP submission from Your account upon log in through GOJEK application or any Authorized Platform Partner shall be deemed as authorized log in.

    3. 2.3.  You may be requested to submit additional document or information, electronically or directly to Our office, or to meet with Our agent, as instructed by Us, if You wish to use certain services made available to verified GO-PAY users or as necessary.

    4. 2.4.  We will verify the information and documents You submitted through GOJEK application or any Authorized Platform Partner and determine whether You have satisfied all of the requirements for a verified GO-PAY user.

    5. 2.5.  Approval and/or rejection of Your verification request shall be Our sole discretion subject to the prevailing laws and regulations. We may, from time to time, revoke the approval of Your verification request and roll back your account status to be unverified, including in the event of doubt of the accuracy and/or validity as well as completeness of documents and/or information You submitted.

    6. 2.6.  To avoid any misuse of Your GO-PAY account, We may stop any of the GO-PAY services if the documents or information that We ask from You are not accurate, valid and/or complete.

    7. 2.7.  Registration of GO-PAY account can only be conducted by You as a legal person. You represent and warrant that the registration of Your GO-PAY account is intended by You for Your own interest, and not for the interest of any other party, including any legal entity and/or business entity. We are entitled to reject Your registration of GO-PAY account for the interest of any party other than Yourself, including any legal entity and/or business entity.

    8. 2.8.  Any data submitted by You to Us for account registration shall be Your own data. Any submission from the respective account will be acknowledged as authorized submission.


  3. Personal Information

    1. 3.1.  You agree that the collection, utilization, and submission of data that You submitted to Us, including via GOJEK application and/or Authorized Platform Partner, and the data that We collect in relation to the provision of Our services to You, including but not limited to Your personal information, shall be subject to the applicable privacy policy in GOJEK application (https://www.GOJEK.com/privacy-policy/ (“Our Privacy Policy”).

    2. 3.2.  You understand that when You conduct Your GO-PAY account registration, access and/or use any of GO-PAY features, through GOJEK application and/or any Authorized Platform Partner, You disclose Your data and personal information to Us, Our affiliate, GOJEK and/or such Authorized Platform Partner, as relevant. You also agree that there will be sharing of Your data or personal information between GO-PAY and such parties to support Our services to You. You understand that this data sharing is necessary to support and improve Your experience in using GO-PAY features and hereby consent to such data sharing. You also understand that the privacy policy of such Authorized Platform Partner can be applicable in relation to the collection, utilization and submission of Your data via such Authorized Platform Partner. We encourage You to read and review the relevant privacy policy thoroughly.

    3. 3.3.  Without prejudice to the terms in the applicable privacy policy, as a part of the efforts to keep the information in Your GO-PAY account actual, You need to immediately submit to Us any changes to the personal information You have previously submitted together with its supporting evidences, including but not limited to electronic mail address, phone number that You register upon GOJEK and/or GO-PAY account opening and/or other documents You submit in the process of application as verified GO-PAY users.

    4. 3.4.  The submission of documents or information to Us, including without limitation to documents or information during registration or when providing comments to Our services in the review page, constitutes Your agreement on the collection, use and/or disclosure by Us of the personal information You have submitted, in accordance with the prevailing laws and regulations.

    5. 3.5.  GO-PAY reserves the right to request additional information from You, other than what is referred to in this Terms and Conditions, to allow Us to comply with Our anti-money laundering obligations. You agree to comply with Our request, in any form at Our own discretion, at Your own expense, for further information as We reasonably require to enable Us to comply with Our anti-money laundering obligations. Notwithstanding Article 13 of these Terms and Conditions, any additional information provided by You at our request shall be deemed as an information fully provided by You and We are not responsible to verify the accuracy of it.

    6. 3.6.  We will not disclose Your personal information to any party except as permitted under this Terms and Conditions and/or Our Privacy Policy.

  4. Consent

    1. 4.1.  You represent and warrant that You are an individual who is legally authorized to be bound by an agreement based on the laws of the Republic of Indonesia, specifically to be bound by these Terms and Conditions, to use GO-PAY and that You are at least 21 years of age or has married and are not under a guardianship.

    2. 4.2.  If You do not meet those requirements, You represent and warrant that the opening of Your account and other activities that You performed using GO-PAY have been approved by Your parents or guardians.

    3. 4.3.  You waive every right under the law to cancel or revoke any and all consents that You have given based on these Terms and Conditions when You are considered as an adult under the law.


  5. Top-up, Withdrawal and Transfer

    1. 5.1.  The top-up and withdrawal of Your GO-PAY account balance can be conducted through channels that We and/or our partners have provided, including certain banks’ channels or other third parties’ channels as informed by Us. This service may be subject to a certain fee which may vary depending on the channels.

    2. 5.2.  You understand that top-ups conducted through Authorized Platform Partner or other third-party channels may experience system and/or network disruption from time to time from the Authorized Platform Partner’s and/or other third parties’ end. We assume no liability of such disruption.

    3. 5.3.  If a third party allows a direct debit and/or auto top-up feature from Your source of fund with that third party, You understand that the registration for such feature will have to be conducted directly by You with the relevant third party. Our responsibility will be limited to forwarding the instructions that You have given Us in relation to such direct debit and/or auto top-up activities to the relevant third party. Complaints arising in relation to the registration for direct debit and/or auto top-up features, authentication of instruction and/or the system of the third party are not our responsibilities.

    4. 5.4.  You understand that in the event direct debit and/or auto top-up feature is enabled by a third party in GO-PAY, the direct debit and/or auto top-up feature information may be attached with Your GO-PAY account. In such event, the risk that may arise against Your GO-PAY account may impact Your direct debit and/or auto top-up feature. For avoidance of doubt, any risk which arises out of Your fault, Your negligence and/or any other factors not incurred by Our fault, shall not be Our responsibility.

    5. 5.5.  Withdrawals and transfers of GO-PAY account balance can only be conducted by You as a verified user for the maximum amount of Your GO-PAY account balance at the time You conduct the withdrawal and transfer, less applicable fees. We will inform of the applicable fees from time to time.

    6. 5.6.  We may determine minimum amount of withdrawal of which You may authorize for each withdrawal. We will inform from time to time of such applicable minimum withdrawal amount.

    7. 5.7.  Withdrawals and transfers of GO-PAY account balance can be conducted only if your GO-PAY account has been verified and withdrawals can only be made for cash withdrawals to a saving account at a bank, under Your name. Withdrawals are not addressed for withdrawal to virtual account and/or account other than bank account under Your name as beneficiary. Withdrawals that You conduct to accounts other than bank account under Your name as beneficiary shall be Your full responsibility.

    8. 5.8.  Any hindrance and/or loss incurs related to top up and/or withdrawal due to the failure of any Authorized Platform Partner or other third parties’ system shall not be Our responsibility. However, if we receive complaints from You regarding such issues, we may, based on our discretion, forward your complaints to such Authorized Platform Partner or the relevant third party for their follow up.

    9. 5.9.  Your GO-PAY balance will only be used for fulfilling obligations towards You and merchant. Your GO-PAY balance will not be used to fund any activities outside Our obligations towards You and merchant.


  6. Balance and Transaction Limits

    1. 6.1.  The amount of Your GO-PAY account balance is limited to: (a) IDR2,000,000.- (two million Rupiah) if Your account is not verified; or (b) IDR10,000,000.- (ten million Rupiah) if Your account is verified; or (c) a lesser amount as determined by Us.

    2. 6.2.  Your monthly GO-PAY account transactions that are incoming in nature may not exceed IDR20,000,000 (twenty million Rupiah) per calendar month.

    3. 6.3.  If the balance or monthly transaction of Your GO-PAY account exceeds such limits, We are entitled to conduct a verification before taking any further action, including without limitation to not processing the transaction order that You submitted.

    4. 6.4.  We need You to fully understand that We are not a bank. Your GO-PAY account balance is not a saving within the definition of the laws that are related to banking, is not subject to the protection program by Lembaga Penjamin Simpanan and is not entitled to any feature that is commonly attached to a bank account (such as interest, etc).


  7. Usage

    1. 7.1.  You may access your GO-PAY account via GOJEK application and/or via Authorized Platform Partner. In the event you access your GO-PAY account via Authorized Platform Partner, You need to read its relevant terms and conditions and ensure the security and reliability of such Authorized Platform Partner’s system. You acknowledge and agree that We assume no responsibility regarding the security and reliability of Authorized Platform Partner’s system.

    2. 7.2.  GO-PAY may be used as a payment method for goods and/or services available in the GOJEK application as well as goods and/or services outside the GOJEK application, as informed by Us.

    3. 7.3.  Payment using GO-PAY can be conducted with merchants that are third parties who have entered into cooperation agreements with Us and/or Our aggregators.

    4. 7.4.  Your GO-PAY balance can be used wholly, until it becomes zero, subject to these Terms and Conditions.

    5. 7.5.  The merchants who enter into cooperation agreement as the third party to Us, who accept GO-PAY, shall not impose surcharge to You for Your transaction using GO-PAY. If You find any merchant who imposes surcharge to You for Your transaction using GO-PAY, please contact us at cs@go-pay.co.id.

    6. 7.6.  The method of use and/or payment may be changed and/or added from time to time, as informed by Us. The changes and/or additions may result in a requirement to update Your GOJEK application and/or any Authorized Platform Partner’s application.

    7. 7.7.  Your GO-PAY account balance will be reduced automatically with the amount entered or confirmed by You for the relevant payment, as long as You have sufficient balance. If Your GO-PAY account balance is not sufficient for the relevant payment, We may reject processing Your payment or if Our service allows partial payments, We will require You to pay the differences using cash or other method as determined by Us.

    8. 7.8.  Transactions which have been confirmed by You and processed by Us, cannot be cancelled. We have full rights to test and to decide on requests for cancellation on a case by case basis.

    9. 7.9.  If you demand any refund, such refund claim may be submitted directly to the relevant merchants or Authorized Platform Partner. We will process refund based on request from the merchants or Authorized Platform Partner. Aside from the foregoing, You may submit a refund claim to Us at the latest 7 (seven) calendar days after transaction date by submitting sufficient supporting evidence. In such case, We will process Your refund based on our review of such claim.

    10. 7.10. You acknowledge that We are an operator of payment system services. GO-PAY does not have control nor assume the liability or the legality for the goods or services that are paid with our services. Every complaint and/or claim in relation to goods and/or services provided by the Authorized Platform Partner or any other third parties must be filed directly to the relevant third parties or Authorized Platform Partner.

    11. 7.11. We need You to understand that the use of Your GO-PAY account and/or GO-PAY services are your personal responsibilities. DO NOT GIVE ACCESS OR ALLOW ANOTHER PERSON TO ACCESS YOUR GO-PAY ACCOUNT. You agree that every transaction order placed through Your GO-PAY account from GOJEK Application or any Authorized Platform Partner will be deemed as having been authorized by You and therefore is a transaction order from You. We cannot and cannot be asked to be responsible for any losses or claims arising out of Your use of GO-PAY account and/or GO-PAY services that contravene these Terms and Conditions.


  8. Authentication

    1. 8.1.  As part of Our efforts to maintain the security of Your GO-PAY account, You need to register 6 digits of numbers as a PIN code for authentication of Your GO-PAY account.

    2. 8.2.  Your PIN code will be required for payment and/or utilization of certain services as determined by Us.

    3. 8.3.  You must maintain the confidentiality of Your PIN code. Losses arising out of Your failure to maintain the confidentiality of Your PIN code are Your full responsibility. Any verified PIN submission from Your account shall be deemed as authorized transactions and/or activities.

    4. 8.4.  To reset the PIN or other applicable authentication method, You need to verify by entering the OTP (One Time Password), which is sent via SMS to Your registered telephone number, in the GOJEK application or the relevant Authorized Platform Partners. We and Our Staff will never ask for these OTP. You agree to assume all risks relating to the disclosure of these OTP to any third party and to be fully responsible for every consequence related thereto.

    5. 8.5.  We may enable other authentication method, including but not limited to fingerprint authentication and/or facial recognition as your device may enable. You need to follow the registration flow of the relevant recognizable factor (such as fingerprint for fingerprint authentication and/or real-time facial image for facial recognition) as determined by Us, if You wish to activate the authentication method. This authentication method may require PIN prior activation.

    6. 8.6.  Authentication recognizable factor may be stored and verified by Us or by other third party (such us Your device, as per your permission). Any claims related to storing and/or verification of recognizable factor by any third party (such as Your Device) shall not be our responsibility. However, We will conduct any reasonable action to minimize the risk that we can identify, which may incur due to the activation and/or use of authentication factor.

    7. 8.7.  In the event You access Your GO-PAY account via the Authorized Platform Partner, such Authorized Platform Partner may establish its own authentication method. We assume no responsibility related to the Authorized Platform Partner’s authentication method.


  9. Account Blocking and Access Disablement

    1. 9.1.  Upon your request, We will block Your GO-PAY account and the use of GO-PAY services by Your GO-PAY account. Additionally, if in Our view, there are events that are causing losses and/or that may cause losses to Us or to You or other third party, We will also conduct such blocking. However, We provide a channel for You to file a complaint in accordance with item 9.3 below.

    2. 9.2.  Account blocking may happen including, without limitation, due to the following events:
      1. Your report that Your cellular phone is missing or has been stolen or hacked;
      2. Blocking order issued by a government or monetary institution or based on a court order;
      3. Your GO-PAY account is not used for a minimum period of 6 consecutive months;
      4. The use of Your GO-PAY account and/or GO-PAY services contravene these Terms and Conditions, the terms of use of the GOJEK application, other terms and conditions applicable for other feature or service in the GOJEK application, Our Privacy Policy and the prevailing laws and regulations, including but not limited to use of counterfeited documents;
      5. Other reasons that are causing losses to You or to Us, including abusive and fraudulent actions; Or
      6. When our system catches a suspicious pattern of financial transactions.

    3. 9.3.  If Your GO-PAY account is blocked and You have strong evidence that there are no suspicious activities occurring, You may file Your complaint in accordance with that stated in these Terms and Conditions. After verifying Your complaints, We will determine whether to end or to continue the blocking of Your GO-PAY account. Blocking will not be continued unreasonably if We decide that the matters that are causing the blocking have ended.

    4. 9.4.  We at all times have the full discretion to temporarily or permanently disable Your access to Your GO-PAY account in any Authorized Platform Partner and/or a part or all of GO-PAY features and services in any Authorized Platform Partner.

  10. Account Closing

    1. 10.1. Akun GO-PAY Anda dapat ditutup karena hal-hal sebagai berikut:

      1. Your request;
      2. Our policy based on the prevailing laws and regulations;
      3. A force majeure occurring for 3 (three) consecutive months or more; and/or
      4. Other reasons in connection with account blocking.

    2. 10.2. We will return Your GO-PAY account balance through the method determined by Us, after being deducted with outstanding fees (if any), except if in our view We need to retain a certain portion of Your GO-PAY balance, for example, if there is a reasonable belief that that portion is related to or is a result of a fraud, abusive actions and/or other violation of the law.

    3. 10.3. Your GO-PAY account will be terminated automatically or closed if You close your GOJEK account.

  11. Rejection of Transaction

    We may reject a transaction performed by You if You violate a part or all of these Terms and Conditions and/or violate the prevailing laws and regulations.


  12. Fees

    In using GO-PAY account and/or GO-PAY services in GOJEK application or any Authorized Platform Partner, You will be subject to fees, including without limitation to top-up fees, withdrawal fees, transfer fees and/or transaction fees performed through the Authorized Platform Partner, third party’s channel, as stipulated by Us, the Authorized Platform Partner and/or other relevant third party, or fee for re-activation of GO-PAY account which was deactivated. The amount of fees charges by GO-PAY may be different and will be informed to You from time to time.


  13. Your Rights and Obligations

    In addition to the Your responsibilities as set out in other parts of these Terms and Conditions, You are responsible for:

    1. The safety and possession of Your cellular phone or other device which is being used to access Your GO-PAY account including reasonably maintaining and providing sufficient resources to avoid failure or disruption in every GO-PAY services process caused by malfunction of Your cellular phone or other device;
    2. The safety and validity of Your cellphone number which you registered to access GO-PAY account, therefore We shall not be responsible for any claim arises if Your registered cellphone number is possessed by any other party, becomes inactive based on telecommunication provider’s policy and/or becomes dormant;
    3. The confidentiality of the OTP sent to You and/or PIN set by You;
    4. Every transaction that You performed. You must be careful when using Your GO-PAY account and/or GO-PAY services, including without limitation when selecting transaction menu, payment destination, inserting the value of the payment etc. You must ensure that You will only follow the transaction instruction as published by GO-PAY in accordance with the transaction that you approve; and
    5. Any loss, claim, lawsuit and/or cost incurred, including from other party to Us, which arise from Your breach of these Terms and Conditions, Your negligence in using GO-PAY account, GO-PAY service, GO-PAY feature in GOJEK application and/or any Authorized Platform Partner, including without limitation to those caused by recklessness, carelessness or misuse of GO-PAY account and/or GO-PAY services by You or another party using Your GO-PAY account.

  14. Our Liabilities

    1. 14.1. We are not liable for indirect and immaterial losses, including fees, interests, damages or losses in whatever form or type (including personal injury, emotional distress and loss of data, goods, income, profit, usage or other economic benefit) incurred by You or any other third party.

    2. 14.2. We are not liable for any losses, including fees, interests, damages or losses in whatever form or type (including personal injury, emotional distress and loss of data, goods, income, profit, usage or other economic benefit) incurred by You or a third party due to the fault of You or any third party other than Us, including the merchants and the partners that provide top up and withdrawal channels.

    3. 14.3. We are not liable for any losses, including fees, interests, damages or losses in whatever form or type (including personal injury, emotional distress and loss of data, goods, income, profit, usage or other economic benefit) which occurred due to the system failure of the Authorized Platform Partner, the legality of the goods and/or services provided in the Authorized Platform Partner, also the safety and security of Your transaction which occurred in the Authorized Platform Partner.

    4. 14.4. We are responsible only for direct losses, which is the amount actually paid, arising out of or in connection with the use of Your GO-PAY account, which can be proven to have been caused by Our gross negligence or violation of these Terms and Conditions. In any event, Our maximum liability is limited to the latest balance of Your GO-PAY as recorded in Our system or Rp10,000,000 (ten million Rupiah), whichever is lower.

  15. Indemnity

    By registering and using GO-PAY account and GO-PAY services, You agree to hold harmless Us, Our licensors, Our affiliates and each of our staff, director, commissioner, employee, representative and agent, from and against any and all claims, costs, damages, losses, liabilities and expenses (including advocate’s fees) arising out of or in connection with:

    1. Your violation of these Terms and Conditions or the prevailing laws and regulations, whether referred to in these Terms and Conditions or not;
    2. Your violation of third parties’ rights in connection with GO-PAY and/or GO-PAY services;
    3. Any use or misuse of GO-PAY and/or GO-PAY services by You or another party using Your account;
    4. Any misconduct by a party other than Us, whether intentional or in the form of negligence; or
    5. The blocking of Your GO-PAY account based on the matters set out in these Terms and Conditions.

    This indemnity provision shall survive the closing of Your GO-PAY account.


  16. Problems and Complaints

    1. 16.1. We use our best efforts in keeping the security of our system, including the system recording Your transactions electronically in Our server. Data and balance and/or transaction history recorded in Our system constitutes data and balance and/or transaction history that are final and binding on You.

    2. 16.2. We apply reasonable security standards to protect Your data during transmission, when stored, and Your use of GO-PAY account and/or GO-PAY services. Nonetheless, We reiterate to You that there is no system that cannot be hacked and this may result in an increased risk to Your information and the use of GO-PAY account and/or GO-PAY services. Therefore, to the extent permitted by the prevailing laws and regulations, You agree to hold Us harmless from any claims arising in connection with viruses, damages, disruptions, other forms of system disruptions caused by parties other than Us or unauthorized access by third parties in bad faith. We recommend You to immediately inform Us if You experience any system disruption as mentioned above so that We are able to try to fix the disruptions.

    3. 16.3. You agree not to corrupt, change or modify Your GO-PAY account or attempt to corrupt, change or modify it in any manner whatsoever.

    4. 16.4. We are entitled to prohibit You from using GO-PAY services in GOJEK application or any Authorized Platform Partner if You use inadequate device or unauthorized device or for purposes other than purposes that GO-PAY services are intended for.

    5. 16.5. We need You to understand that in the event a top-up, a withdrawal and/or transfer is through a third party, including without limitation to Authorized Platform Partner, certain banks and/or any other channels, there is a possibility of system failure from that third party. We are not responsible for this problem.

    6. 16.6. If Your cellular phone and/or other device is missing, stolen and/or hacked, please inform Us immediately via the electronic mail account registered in Your GO-PAY account or via telephone to GO-PAY Customer Service. If there is a transaction after your cellular phone and/or other device is missing, stolen and/or hacked, but You have not notified the same to Us in such manner, then the payment will be deemed as valid.

    7. 16.7. If You have any question, request, complaint or need to provide any information in relation to GO-PAY feature, You may send it via an electronic mail to the address cs@go-pay.co.id or a telephone call to 1500304.

      To respond to Your questions and complaints, We will first conduct a verification on Your data. We are entitled to refuse processing your question or complaint, if Your data does not match the data recorded in Our system.

      We will check or conduct a verification on Your complaint and provide Our response in accordance with the policy and procedure applicable in Our company after receiving the complete complaint submission from You.



  17. Correction

    1. 17.1. If according to Our records, there is a mistake in the transaction, We may conduct a correction on Your GO-PAY balance. We will not correct Your GO-PAY balance without strong evidence or basis that there is a mistake in the transaction. You may submit a correction request to Us through the channel that We provide. We will verify and decide on a case by case basis.

    2. 17.2. In connection with the correction purpose as set out above, You hereby grant Us an irrevocable power to debit and/or credit Your GO-PAY balance. The said power will remain valid and will not terminate for any reasons whatsoever including the reasons set out in Article 1813, 1814 and 1816 of the Indonesian Civil Code, unless if You close Your account.


  18. Force Majeure

    Our services may be interrupted by events or matters beyond Our authority and control (Force Majeure), including without limitation to natural disasters, electricity disruption, telecommunication disruption, government policy and other matters beyond Our authority and control. Therefore, you agree to hold Us harmless from any claim, if We are not able to fulfill Your instruction through GO-PAY account, whether partially or entirely, due to a Force Majeure.


  19. Intellectual Property Rights

    GO-PAY, including its name and logo, code, design, technology, business model, is protected by copyright, trademark and other intellectual property rights available under the laws of the Republic of Indonesia. We (and parties receiving licenses from Us, if applicable) own all rights and interests on GO-PAY, including all intellectual property rights related thereto. These Terms and Conditions do not and in any manner whatsoever shall not be deemed as a grant of any license to You to use Our intellectual property rights as set out above. You shall not (i) copy, modify, adapt, translate, make derivative works from, distribute, give a license, sell, transfer, publicly display, reproduce, transmit, move, broadcast, decompile or disassemble any part of or by other means of exploiting the GO-PAY system (including the service features therein) licensed to you, except as permitted in these Terms and Conditions, (ii) give a license, sublicense, sell, resell, move, transfer, distribute or commercially exploit or make available to any third party and / or software by means of; (iii) create internet "link" or "frame" or "mirror" any software on other servers or wireless devices or internet-based ones; (iv) reengineering or accessing our software to (a) build competing products or services, (b) build products using ideas, features, functions or similar graphics, or (c) copy ideas, features, functions or graphics, (v) launch automated programs or script, including, but not limited to, web spiders, web crawlers, web robots, web ants, web indexers, bots, viruses or worm, or any program that might make multiple server requests per second, or create heavy loads or hinder the operation and / or performance of the application, (vi) using robot, spider, site search/retrieval application or other manual or automatic device or process to retrieve, index, “data mine”, or in any way reproduce or avoid the navigation structure or presentation of the application or its content; (vii) publish, distribute or reproduce in any way material that is protected by copyright, trademark or other information that We hold without obtaining prior approval from us or the rights owner who licenses his/her rights to Us, (viii) removing any copyright, trademark or other proprietary rights contained in the GO-PAY system.


  20. No Waiver

    Our waiver of or Our delay or failure in filing a claim against any breach of any provision in these Terms and Conditions or in exercising any rights provided under these Terms and Conditions shall not be deemed as a waiver in connection with a substantial breach of any provision of these Terms and Conditions.


  21. Language

    These Terms and Conditions are made in English and Indonesian language. In the event of inconsistency between the English language version and the Indonesian language version, the Indonesian language version shall prevail.


  22. Assignment

    You warrant that the use of GO-PAY account will be used only by You and for Your own interests as the owner of the account in accordance with these Terms and Conditions. You may not assign Your right under these Terms and Conditions without Our prior written consent. If there is any party using Your account and/or if there is any party acting as the beneficial owner of Your account other than Yourself, You are obliged to report it to Us via cs@go-pay.co.id. If there is no report from You regarding another party acting as beneficial owner, you warrant that You are the sole beneficial owner of Your account.

    Although Your GO-PAY balance may be transferred to another party, Your GO-PAY account cannot be transferred to another party. We may assign Our rights based on these Terms and Conditions to other third parties based on Our full discretion.


  23. Severability

    If any provision in these Terms and Conditions is declared as illegal, invalid or unenforceable, in part or in its entirety, based on any regulation or legal principle, that provision or a part thereof, to the extent it is illegal, invalid and unenforceable, shall be deemed excluded from these Terms and Conditions but the legality, validity or enforceability of the remaining provisions of these Terms and Conditions shall not be affected.


  24. Governing Law

    These Terms and Conditions shall be governed by the laws of the Republic of Indonesia. Any and all disputes arising out of the use of Our services will be subject to the exclusive jurisdiction of the District Court of South Jakarta.


  25. Amendments

    These Terms and Conditions, in partially or in its entirety, including any features or services that are offered in the GO-PAY account, may be modified, added, or amended from time to time based on Our discretion with or without notice to You. Your continued use of GO-PAY after the modifications, variations and/or amendments of the Terms and Conditions shall constitute Your agreement and acceptance of the modifications, variations and/or amendments. If You wish to reject the modifications, variations and/or amendments, You need to stop accessing or using GO-PAY and/or Our services.


Your use of GO-PAY account and/or GO-PAY services constitute Your approval to be subjected to (i) these Terms and Conditions; (ii) the general terms and conditions for the use of GOJEK application; (iii) the specific terms and conditions that apply for each service feature available in GOJEK application; (iv) the privacy policy; and (v) any prevailing laws and regulations.