What Applies Under Local Law
These terms set the legal frame for how your account, data, and transactions are handled on 9koi. When local law differs from any page text, the local rule controls, and access stays limited to places where local law permits. We may ask for a document check
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before we accept a correction, close an account, or release a record copy, because the request has to match the account holder. Payment references from DANA, OVO, GoPay, and QRIS are kept with the account log so we can reconcile entries and answer disputes. If a
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notice changes, we post the updated text in your account and keep the earlier version on file for support. The same notice applies on mobile and desktop.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.