ClincooPay Terms & Conditions (SK)

This document governs the use of ClincooPay, the Clincoo digital wallet service. Last updated: 19 September 2026.

1. Acceptance of Terms

By creating a ClincooPay account and using the service, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the service.

2. Account & Security

You are fully responsible for keeping your wallet key, PIN, and connected Google account credentials confidential. Activity resulting from negligence on your side is your own responsibility.

3. Nature of the ClincooPay Balance

• The ClincooPay balance is an internal Clincoo service balance, not electronic money guaranteed by a financial institution.
• The balance can only be used for services inside the Clincoo ecosystem and cannot be transferred to third parties outside the official transfer feature.

4. Prohibited Use

You may not use ClincooPay for illegal activity, money laundering, fraud, gambling, or anything that harms other users or the service.

5. Limitation of Liability

The service is provided "as is". To the extent permitted by applicable law, we are not liable for indirect losses arising from use of the service.

6. Account Closure & Remaining Balance

We may close accounts proven to breach these terms without a balance refund. For self-initiated closure, a remaining balance above Rp10,000 can be refunded per the Clincoo Payment Policy.

7. Changes to the Terms

We may update these terms at any time; changes apply once published on this page. Questions can be sent to [email protected].