What These Terms Actually Cover
These terms apply the moment you open an account and continue for as long as that account remains active. They cover how we process deposits and withdrawals through DANA, OVO, and GoPay; how account verification works; what activity is permitted; and the conditions under which an
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account may be suspended or closed. Jurisdiction matters here — access to the platform and eligibility to transact depend on the laws that apply in your region, and it is your responsibility to confirm that using lukatoto is lawful where you are located. We do not
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extend service to regions where local law prohibits it. Promotional terms, where any are running, form a separate attachment to these terms rather than standing alone; they are subject to the same account-level rules. Any wallet transaction — whether you top up through GoPay or withdraw
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to OVO — is processed under these terms, and disputes about those transactions follow the resolution path set out in the contact section below. We update these terms when platform rules or local regulatory requirements change; the version shown on this page is current, and continuing
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to use your account after an update is treated as acceptance of the revised terms.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.