Privacy Policy

INTRODUCTION

PT Harsya Remitindo is the owner of the IKI Pay application ("IKI Pay"). PT Harsya Remitindo and IKI Pay are collectively referred to as "we," "our," and "us" in this Privacy Policy (unless the context requires otherwise). This Privacy Policy outlines how we collect, use, disclose, store, process, and manage personal information. By subscribing to our services or entering into an agreement with us in connection with IKI Pay, you are deemed to have read and agreed to the collection, use, disclosure, storage, processing, and handling of your personal information in accordance with this Privacy Policy. We may change this Privacy Policy at any time. You are advised to review this Privacy Policy periodically to stay informed of any changes.

RESPECTING INFORMATION PRIVACY

We are aware of the importance of protecting personal information in accordance with Law No. 27 of 2022 concerning Personal Data Protection and other applicable local personal data protection laws, regulations, codes of practice, guidelines, or directives that may be issued from time to time ("Privacy Laws"). In collecting and handling personal information, we are bound by Privacy Laws, including principles/obligations of personal data protection in Indonesia and relevant privacy regulations.

PERSONAL INFORMATION WE COLLECT ABOUT YOU

With your consent, we may collect personal information about you, including but not limited to, name, address, telephone number, email, gender, occupation, and other information provided (company name, address, NPWP [tax identification number], E-KTP [national ID card]), only with your consent. To use our services, you are required to provide us with your name, contact information, and other details that are accurate, valid, and in accordance with our requests. If you choose not to provide the mandatory personal data requested or wish to withdraw your consent or significantly restrict the processing of your personal data, you agree that (regardless of any agreement between you and us) we may not be able to provide our services and products to you. We may also collect non-personal information about you, including but not limited to, data related to your activities in IKI Pay (including IP address and real-time geographical location data at the time of transactions to ensure compliance with terms and for fraud detection purposes) through tracking technologies such as cookies, web beacons, and other related measurement or data software. You acknowledge that the personal information you provide to us and that we collect from you is your own information or information that you have allowed us to receive.

HOW WE COLLECT YOUR PERSONAL INFORMATION

We may collect personal information about you from various sources, including but not limited to:

1. Information necessary for registration purposes for using IKI Pay.

2. Contacting us or our service providers for any reason, including but not limited to, reporting issues with IKI Pay, requesting further services, or seeking our assistance. We may also collect your personal information through our affiliated businesses, our service providers, and third parties to provide you with better or more relevant services or products.

HOW WE USE YOUR PERSONAL INFORMATION

With your consent, we may primarily use the personal information we have collected to provide you with the products and services you request, respond to your inquiries, create and maintain your account, and ensure your compliance with and adherence to our terms of use. Specifically, we may use the collected personal information to:

1. Provide you with better or more relevant services or products.

2. Respond to or provide you with the services, products, information, and assistance you request from us.

3. Verify your identity when registering or logging into IKI Pay.

4. Enable you to participate in interactive features of our services when you choose to do so.

5. Assist in fulfilling our obligations arising from any contracts made between you and us.

6. Notify you of changes to our products and services.

USING AND DISCLOSING YOUR PERSONAL INFORMATION FOR MARKETING PURPOSES

With your provided consent, you acknowledge that we may use your Personal Information to:

1. Use your personal or company information, such as your name, residential address, mobile number, and email address, and your non-personal information, such as real-time geographical location data, for marketing purposes that we believe may be of interest to you.

2. Provide your personal or company information (including your name, residential address, mobile number, home telephone number, and email address) to our service providers (so they can provide products or services on behalf of or products or services requested directly from them, or to assist us in providing our products or services to you); and we shall not share your information with others for direct marketing unless we have obtained your consent. Furthermore, we will provide you with the opportunity to request that your information not be used for further direct marketing in the future in our communications with you.

TO WHOM WE DISCLOSE YOUR PERSONAL INFORMATION

With your consent, we may also disclose your personal information to:

1. Third parties cooperating with us where you have requested information, services, or products from them through IKI Pay.

2. Relevant public, government, or regulatory authorities, our legal representatives, or other related parties in special situations where we have reason to believe that the disclosure of your personal information is necessary to help identify, contact, or take legal action against anyone who may damage, harm, or interfere (intentionally or unintentionally) with our rights or property, users, or anyone who may be adversely affected by such activities; and where we are authorized or required by law to do so.

DISCLOSURE TO THIRD PARTIES

1. We do not sell, trade, or transfer your personally identifiable information to unrelated third parties unless you have given us your consent. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving you, as long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety.

2. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

SECURITY

We make reasonable efforts to ensure the security, integrity, and privacy of the personal information we collect. We have established protections and used reasonable security measures to protect your personal information from unauthorized access, modification, and disclosure. Our employees, contractors, agents, and service providers who provide services related to our information systems are required to respect the confidentiality of the personal information we hold. We review and update our security measures considering current technology. Your personal information is contained behind secure networks and can only be accessed by a limited number of individuals who have special access rights to such systems and are required to keep the information confidential. We implement various security measures when users place an order, enter, submit, or access their information to maintain the security of your personal information.

RETENTION OF YOUR PERSONAL INFORMATION

We will retain your personal information only for as long as necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

CORRECTION AND ACCESS

We will endeavor to take all reasonable steps to keep your information accurate and up-to-date. If, at any time, you find that the information stored about you is incorrect or you wish to review and confirm the accuracy of your personal information, you can contact us. You may also obtain access to the personal information we hold about you, subject to certain exceptions provided for by law. To request access to your personal information, please contact us. You may also inform us to limit or stop processing your personal information. To exercise these rights, please contact us.

COMPLAINT RESOLUTION

We are committed to providing a fair and responsible system for handling your complaints. If at any time you have issues, complaints, or questions related to your privacy or the operation of IKI Pay, please contact [phone] via WhatsApp, so we can resolve your issues. Our Helpdesk officers will consider your inquiries and strive to respond to you promptly.

For more information about privacy matters and protecting your privacy, please visit the website of the Ministry of Communication and Information Technology.

LANGUAGE

Notwithstanding Law No. 24 of 2004, in case of any discrepancy between the Indonesian version and the English version of this policy, the Indonesian version shall prevail.

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