Legal Framework and Your Account Rights at nina toto

Your use of nina toto is governed by the terms set at the time you open your account, and those terms reflect the legal framework of the region where access is permitted. We do not extend service to regions where local law prohibits it, and eligibility

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   is assessed at the account level — not by payment method alone. When you connect a DANA, OVO, or GoPay wallet to your account, that wallet is covered by the same data and transaction policies that apply to your account as a whole. Our terms cover

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   how we process account data, how transactions are recorded, and what happens when a dispute arises. For account holders in Indonesia, communications and account notices are issued in English consistent with this platform. Any change to the governing terms is communicated directly to your registered account

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   before it takes effect — we do not apply changes retroactively to completed transactions. If your account is flagged under a compliance review, we will contact you via the email address on your account before any action is taken. You can update your contact details at

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   any time through the account settings page.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.