Welcome to DIGIRO.IN.

Thank you for your trust in using DIGIRO.IN application. Please take a moment to read through our Terms of Use, which is also your agreement as a user of DIGIRO.IN. Therefore, if you do not agree to the Terms herein, please do not proceed with the registration process or use DIGIRO.IN.


  • DIGIRO.IN Application is a financial application that serves as a means used by user who use the application for but not limited to; Top-Up, transfer, sending and payment, as well as other features that may be implemented by DIGIRO.IN in the future.

  • DIGIRO.IN Account is the account for which every DIGIRO.IN User is given at when user are using our financial product. This account will be set up according to your information details that you have provided us.

  • Top-Up is the account balance top-up service for DIGIRO.IN Account, which can be performed via selected venues.

  • Transaction is a process of transfer/remittance, receiving payment and/or transfer made through DIGIRO.IN, payment for transaction bills or any other transaction payment provided within the application.

  • Money transfer or remittance is transfer services provided by and through DIGIRO.IN service.

  • Send and receiving is the service provided by and through DIGIRO.IN to send and receive balance transferred to and from the DIGIRO.IN account.

  • User, “you”, or “your” is a party who has registered him/herself in the DIGIRO.IN Account and makes a Top-Up and therefore can use DIGIRO.IN in a manner described herein and agrees to these Terms of Use.

  • Terms of Use are these Terms of Use of the DIGIRO.IN Account as may be amended from time to time.

  • Fund Transfer is a service offered by DIGIRO.IN to transfer balance to another account within or outside DIGIRO.IN which will automatically reduce the balance shown in the Account and add the intended Account balance by the corresponding amount.

  • Cash Out is a service offered by DIGIRO.IN to withdraw money from the DIGIRO.IN Account through venues conveniently provided by DIGIRO.IN (mostly enable using pre-registered name).

  • DIGIRO.IN Services are services provided by DIGIRO.IN which consist of:

    • Payment;

    • Transfer/remittance;

    • Cash Out; and/or

    • Other services that we may add from time to time as allowed by the relevant authorities.


  • Before using your DIGIRO.IN Account, you must access our services to the provided platform.

  • To access some/all of the services within DIGIRO.IN, you might be required to verify your identity within DIGIRO.IN service, which may be completed through the provided platform. You are under obligation to provide the correct, true and most up-dated information details of yourself.

  • For the purpose of verifying your DIGIRO.IN Account and/or using certain services under the DIGIRO.IN Services, we may, at our sole discretion, ask you to submit additional documents or information, such as your latest photograph and/or a copy of your valid identity document (e.g. Kartu Tanda Penduduk (KTP) or passport). You may send us the documents electronically or directly to our office, subject to our specific instructions on this. We will verify your submitted documentation and determine your eligibility based on the submitted documents. We may also require further information from you and may need to meet you in person (or through our agent) if needed.

    You agree that we have the right to terminate our services to you if you are deemed to have failed to comply with any of the additional requirements in the manner and within the timeline set out in our notice to you in this regard, or we found out that your information details set out in these additional documents are not consistent with those you provided when opening the DIGIRO.IN Account. By making those documents available to us, you are deemed to consent to the collection, use, and disclosure by us of your personal information as indicated in the documents you provide to us, in accordance with the prevailing laws and regulations. For the purpose of processing your application or any other purposes we deem appropriate, you agree that we may disclose your personal information which is given in the course of your account registration application to any third parties, including governmental and monetary authorities and third party processors, to the extent permitted by the prevailing laws and regulations.

    In addition, you undertake to provide accurate and complete information, keep the information up to date and agree to provide us whatever proof of identity we may reasonably ask for. If any of the personal information that you have provided to us changes, for example, if you change your e-mail address or telephone number, you must immediately update your details through the system provided. We will, to the best of our liabilities, effect such changes as requested immediately. We will not be liable for any loss you may suffer due to your failure to up-date your details through the relevant system.

  • You represent and warrant that you are an individual legally entitled to enter into a binding agreement under the laws of the Republic of Indonesia, in particular the Terms of Use, to use DIGIRO. If you do not satisfy any of these requirements but still access the DIGIRO.IN, you represent and warrant that your account opening and other activities in DIGIRO.IN have been approved and/or consented to by your parents/legal guardian. You waive any right that the law may provide you to cancel or revoke any and all of your consents given under these Terms of Use by the time you are by law deemed mature. You fully release and hold harmless us and our officers from any consequences related thereto.

  • Please make sure that any transaction made through the DIGIRO.IN Application using your DIGIRO.IN Account are made strictly only by you. DO NOT ASK OR ALLOW OTHERS TO CONDUCT ACTIVITY USING YOUR DIGIRO.IN ACCOUNT. You hereby acknowledge that, while we do our best to implement our business, it is not an easy task to make sure who actually is behind the screen. Therefore, you agree that any transaction made through your DIGIRO.IN Account will be deemed a valid transaction made by you as if the transaction were actually made by you. You further represent and warrant that you have the right, authority and capacity to use DIGIRO.IN and to abide by these Terms of Use.


  • You may Top-Up your DIGIRO.IN Account from time to time according to your need by following the instructions set out in your DIGIRO.IN Account. Note that your DIGIRO.IN Account to which your balance is deposited is not a saving within the meaning of laws and regulations on banking and not subject to protection program by Deposit Insurance Institution (it is a Giro service). Accordingly, your DIGIRO.IN Account may not be entitled to any features that are usually attached to bank accounts (such as interests, etc). Also, DIGIRO.IN is not a bank and therefore, our services should not be understood as banking services.

  • You may Top-Up your account through certain locations and venues that are cooperating with us and for this service, certain fees may be charged by the relevant banks.

  • For users that has not completed their data fully and/or user that are using the account as a “personal” user, we might impose a limitation on certain features and/or amount that is to be available on their account. These limits may be changed from time to time at our discretion in line with the regulations in place at that time (and will be conveyed to you).

  • If your DIGIRO.IN breached the limitation(s) mentioned C above, we are entitled to verify your DIGIRO.IN Account before you can conduct any further activity (such as to return the excess amount, transfer, etc..).

  • We also retain the right to hold/freeze/deactivated your account if and when we see any suspicious activity. In making such decision, we will determine, among other things, whether any of your funds came from a legal source (for example, not come from illegal activities/criminal acts). If we find that the source of the funds is illegal, you agree that we have the right to take any action necessary to comply with any regulatory requirements, including but not limited to reporting the event to the relevant government institution.


  • For optimum use, DIGIRO.IN should be used for DIGIRO.IN Services provided in DIGIRO.IN environment.

  • You can use DIGIRO.IN Services as long as you have a proper DIGIRO.IN Account and any transactions can be made through the list of transaction options made available within the application (provided you have sufficient fund), which can be revised, edit or added from time to time with our sole discretion.

  • The use of your DIGIRO.IN Account and/or DIGIRO.IN Services is your sole responsibility and we are not and cannot be held liable for any lost or claims arise due to your use of DIGIRO.IN Account and/or DIGIRO.IN Services that is not in compliance with any applicable terms and conditions or prevailing laws and regulations.


  • We may, at our sole discretion or at your request, block your DIGIRO.IN Account and the use of any DIGIRO.IN Services upon the occurrence of any event or circumstance which we consider to be detrimental to either you or us. These events or circumstances include (but are not limited to) the following:

    • The use of DIGIRO.IN Account and/or DIGIRO.IN Services either by you or any other third parties (misusing your account) in a manner contrary to these Terms of Use, our terms and conditions for each product featured in the DIGIRO.IN Application, our Privacy Policy or the prevailing laws and regulations, including but not limited to for the purpose of anti-money laundering and countering terrorism-funding, criminal activities, fraud or any activities that may be detrimental to the public and/or any other party;

    • An instruction to block issued by any relevant government or monetary institution or under a court ruling issued in accordance with the prevailing laws and regulations; and/or

    • Any other reasons we deem necessary.

      In such an event, we will notify you with or without providing details of the reason for the blocking. Subject to the provisions hereof, the blocking will not be unreasonably continued once we determine that the event or circumstance-giving rise to the blocking has ended.

    • If your DIGIRO.IN Account is blocked while you have strong evidence that no suspicious event or circumstance has occurred, you may file a complaint in the manner described in Clause 6.d. Upon reviewing your complaint, we may, at our discretion, decide whether to end or continue the account blocking.


  • Discrepancies. You acknowledge that we have made our best effort to maintain the security of the system. However, unless an error is caused directly by us, in the event of any discrepancy between the data and the balance and/or transactions history indicated in your DIGIRO.IN Account and the data and the balance and/or transactions history held and managed by us, the data and the balance and/or transactions history held and managed by us will be deemed conclusive evidence and binding upon both parties.

  • Personal Data. You understand that when using your DIGIRO.IN Account (including commenting on our services in user’s reviews), certain of your personal data may be collected, used, and/or disclosed by us so that you can enjoy DIGIRO.IN Services to the fullest extent of its functionality. For the purpose of operating the DIGIRO.IN Account and/or any other purposes we deem appropriate, you hereby consent to the collection, use, and disclosure of any and all of your personal data by us and you are also fully aware that some of your data or information will be accessible to the third party whose services you use (such as the merchants) through our application. For avoidance of doubts, you also allow us to disclose your personal data to any third parties we engage with, or to any authority (including judicial authority) in accordance with the prevailing laws and regulations. We will not be liable for any loss you may suffer due to any misuse by the third party of your data or information that has been disclosed according to this Clause. You also acknowledge that we may be required to disclose your personal data to any authority (including a judicial or monetary authority) under the prevailing laws and regulations.

  • Viruses, Errors, Bugs, and other forms of System Interruption. Your online safety and security is of the utmost importance for us. We employ reasonable security measures to safeguard your data in transit, while stored and your use of the DIGIRO.IN Account and/or DIGIRO.IN Services. However, we would like to highlight that no system is impenetrable and this may result in increased risk exposures of Your information and use of the DIGIRO.IN Account and/or DIGIRO.IN Services. Therefore, without limiting the generality of Clause 10, to the extent permissible under the prevailing laws and regulations, you agree to release us from any claims arising out of or in connection with the viruses, errors, bugs, or other forms of system interruption, including unauthorized access by third parties. We encourage you to notify us immediately if you encounter any system interruptions above so that we can make an effort to fix the problems.

    In addition, you undertake not to harm, tweak or modify your DIGIRO.IN Account or attempt to harm, tweak or modify it in any way whatsoever. We will not be liable if you do not have a compatible device or if you have downloaded the wrong version of DIGIRO.IN to your device. We reserve the right to prohibit you from using DIGIRO.IN and/or DIGIRO.IN Services further if you use it with an incompatible or unauthorized device or for purposes other than those for which the DIGIRO.IN and/or DIGIRO.IN Services are intended to be used.

  • Questions, Requests and Complaints. If you have any questions, requests or complaints about the DIGIRO.IN Features, please send us an email at [email protected]

    To respond to your questions or complaints, we will first verify your data. We are entitled to refuse to process your questions or complaints if your data does not match the data stored in our system.

    We will check or verify your complaint and respond to you in accordance with the policies and procedures applicable in our company after receiving a complete complaint submission from you.


  • A DIGIRO.IN Account may be closed due to the following:

    • Request by you;

    • Our policy in accordance with the prevailing laws and regulations;

    • Reasons related to the Account Blocking set out in Clause 5 above.

    • In the event of an account closing, you could send a request for the return of your remaining balance in your DIGIRO.IN Account by the method provided by us, after the payment of any outstanding fees (if any), unless there exists any event or circumstance which we consider to be or might be detrimental to us or any other party that requires us to retain certain amount of your DIGIRO.IN balance.


  • The responsibilities specified in this Clause 8 are in addition to any responsibilities imposed elsewhere under these Terms of Use.

    • You are responsible for the security of your Smartphone, which is used to access your DIGIRO.IN Account by properly maintaining and making available sufficient storage to prevent any failure/error in any process of DIGIRO.IN Services due to a non-functioning Smartphone.

    • You are responsible for every transaction you enter into. Therefore, you must be careful when using the DIGIRO.IN Account and/or DIGIRO.IN Services and/or DIGIRO.IN Application, including but not limited to when choosing from the transaction menu, the purpose of payment, entering any value in the transaction, etc. Save for errors caused by us, any loss and/or damage caused by your mistake when using the DIGIRO.IN Features or DIGIRO.IN Application described above will be at your own risk, responsibility, and liability. You must carefully follow every direction for using DIGIRO.IN Services and/or DIGIRO.IN Application or for entering into any transactions.

    • You are fully responsible for any loss or claim arising from the misuse of and/or a violation and/or crime committed using your DIGIRO.IN Account and/or DIGIRO.IN Services, including but not limited to any damage arising from any mistake, incautious act or recklessness or any misuse of the DIGIRO.IN Account and/or DIGIRO.IN Services by you or any third party using your DIGIRO.IN Account.


  • Any claim brought against us by you either based on this Terms of Use or otherwise will in any event be limited to the aggregate amount of all amounts actually paid by and/or due from you when using your DIGIRO.IN during the event giving rise to the claim. In no event will we be liable to you or anyone for costs, interest, damages or losses of any type or kind (including personal injury, emotional distress and loss of data, goods, revenue, profits, use or other economic advantage), save for direct losses, arising out of, or in any way connected with the DIGIRO.IN Account and/or DIGIRO.IN Services, as long as they can be proven to occur solely due to our gross negligence and breach of this Terms of Use. In any case, our liability will only be limited to the latest balance of you DIGIRO.IN recorded in our system or Rp. 5.000.000 whichever is lower.


  • By registering for and using of a DIGIRO.IN Account and using DIGIRO.IN Services, you agree that you will defend, indemnify and hold us, our licensors, affiliates, and each of our officers, directors, commissioners, employees, attorneys and agents, harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) arising out of or in connection with:

    • your violation or breach of any of these Terms of Use or any applicable laws or regulations, whether or not referenced herein, and/or

    • your violation of any right of any third party related to the DIGIRO.IN and/or DIGIRO.IN Services, and/or

    • any use or misuse of the DIGIRO.IN and/or DIGIRO.IN Services by you or any party through your account, or

    • the blocking of your DIGIRO.IN Account for reasons set out in Clause 5 above.

      This defence and indemnification obligation will survive these Terms of Use, regardless of the closing of your DIGIRO.IN Account.


  • Force Majeure. Our services may be interrupted due to certain events or causes beyond our power and ability to control (Force Majeure), including but not limited to natural disasters, electrical disturbances, telecommunications disruptions, government policy, and other causes beyond our power, and ability to control. You therefore agree to release us from any claims, if we are unable to follow your instructions in the DIGIRO.IN Account either partially or wholly due to Force Majeure. If a Force Majeure condition continues for more than 3 (three) months consecutively we may close your DIGIRO.IN Account in accordance with Clause 7 above.

  • Intellectual Property. DIGIRO.IN, including its name and logo, codes, designs, technology, business model, is protected by copyright, trademark and other intellectual property rights provided under the laws of the Republic of Indonesia. We (and our licensees, if applicable) exclusively own all rights, title and interest in and to DIGIRO.IN, including all associated intellectual property rights. These Terms of Use is not in any way being treated as our permission for you to use any of our intellectual property assets above.

  • No Waiver. Our waiver or forbearance or failure to claim a breach of any provision of these Terms of Use or to exercise any right provided by these Terms of Use or the applicable law, may not be deemed to constitute a waiver with respect to any subsequent breach of any provision hereof.

  • Language. These Terms of Use are drawn up in both the English and the Indonesian languages, both of which versions are binding on you and us. In the event of any inconsistency between the Indonesian language version and the English language version, the Indonesian language version will prevail.

  • Assignment. You may not transfer or assign your rights under these Terms of Use, without our prior written approval. We may assign our rights under these Terms of Use to a third party at our sole and absolute discretion.

    While the balance of your DIGIRO.IN can be transferred to any third parties, your DIGIRO.IN Account is non-transferrable to any third parties.

  • Severability. If any term under these Terms of Use is held to be illegal, invalid or unenforceable, in whole or in part, under any enactment or rule of law, the term or part of it will, to that extent, be deemed not to form part of these Terms of Use but the legality, validity or enforceability of the remainder of these Terms of Use will not be affected.

  • Governing Law. These Terms of Use are governed by and to be construed under 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 South Jakarta District Court.

  • Amendments. These Terms of Use, partly or wholly, including any features or services offered in DIGIRO.IN Account, may be modified, varied or otherwise changed from time to time at our sole discretion with or without notice to you. The continued use of DIGIRO.IN after any modification, variation and/or change to the Terms of Use will constitute your consent to and acceptance of the modification, variation, and/or change. Therefore, IF YOU DO NOT AGREE WITH THE MODIFICATION, VARIATION, AND/OR CHANGE, PLEASE CEASE USING DIGIRO.IN.

  • Privacy Policy. Your personal data are maintained in accordance with our Privacy Policy. The Privacy Policy constitutes an integral part of these Terms of Use and your consent to these Terms of Use constitutes your acceptance of the Privacy Policy.

    User hereby declare that he/she has read the terms of Use and Privacy Policy and therefore understand the content and consequences, and hereby accept every right, obligation and rules set forth therein.