Your Legal position depends on local law
Our Legal notice explains the conditions that apply when you open and use an account through joswin. Access or eligibility depends on local law, so we may require accurate location and identity details before account access is completed. Phone verification connects your account to the contact
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detail you provide, while wallet records help us match a deposit or withdrawal request to the correct account. DANA, OVO, GoPay, QRIS, bank transfer and virtual account references may appear in transaction records, but each rail remains subject to its own provider rules. We may pause
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a request when information conflicts, a payment reference cannot be matched, or a legal restriction applies. Read the notice before opening an account, and contact us if a clause is unclear or your circumstances change.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.