#DitraktirHonest - Get meal deals at Richeese Factory!

Program

“Honest x Richeese Factory Promo Program” (hereinafter referred to as the “Program”) is a cashback program organized by PT Honest Financial Technologies (“Honest”).

Program Period

July 2026 to January 3, 2027

Program Mechanism

Program 1 — IDR 151,000 Cashback for New Users

• Valid for New Users who sign up using the promo code RICHEESE151 and make a transaction at participating Richeese Factory outlets during the program period.
• A cashback of IDR 151,000 is awarded 1 (one) time per New User, for a minimum transaction of IDR 211,000 (equivalent to 1 Combo Mabar Whole Flying Chicken: 1 Whole Flying Chicken, 4 portions of white rice, 4 12oz drinks, and 3 cheese sauces).
• Users must make transactions using an Honest Card (credit card) or QRIS within the Honest app at participating Richeese Factory outlets.

Program 2 — IDR 20,000 Cashback for Existing Users

• Valid for all Existing Users.
• A cashback of IDR 20,000 is awarded 1 (one) time per user per month during the program period, for a minimum transaction of IDR 100,000.
• The program budget is limited to IDR 20,000,000 per month.
• Users must make transactions using an Honest Card (credit card) or QRIS within the Honest app at participating Richeese Factory outlets.

Applicable to both programs

• Honest sends real-time notifications after successful qualifying transactions (for Program 2, after the first qualifying transaction of the current month).
• These two programs cannot be combined with other promotional offers.

Cashback Process & Disbursement

• Transaction validation and cashback disbursement are handled entirely by Honest based on valid transaction data (MCC/BIN/MID/NMID provided for participating outlets).
• Cashback is processed within a maximum of 1 day after the qualifying transaction and paid out within a maximum of 7 (seven) business days after the user meets the requirements.
• This program is fully funded by Honest and does not require reconciliation from Richeese Factory.
• Honest reserves the right to cancel or claw back cashback in the event of fraud, misuse, fictitious transactions, or transaction cancellations/refunds.
• Cashback is awarded for valid transactions made using an Honest Card or QRIS within the Honest app at all participating Richeese Factory outlets during the program period, subject to minimum transaction values and applicable terms.

Eligibility

• This program is open to Honest Card users who meet the criteria for each sub-program (New Users and Existing Users) as set out in the Program Mechanism section. Participants must have an active Honest account in good standing (not frozen or suspended).
• New Users: users who activate an Honest credit card during the program period and have never previously received or qualified for an Honest Card New User promotional program, and who register using the promo code RICHEESE151.
• Existing Users: users who already owned and activated an Honest Card before the program period began, or who have previously received or qualified for a New User program.
• Participants must have fulfilled all identity verification and credit card eligibility requirements in accordance with Honest's standard policies.
• Participants agree to these Terms & Conditions and provide consent for the use of personal data in accordance with Honest's Privacy Policy.
• Employees of PT Honest Financial Technologies and its affiliates, along with their immediate family members, are excluded from participation.

General Provisions

These general provisions apply to all Honest programs and remain unchanged for each program.

1. General Provisions

1. By participating in this Program, participants are deemed to have read, understood, and agreed to all applicable Terms & Conditions.
2. Honest is a Financing Company licensed and supervised by Bank Indonesia and the Financial Services Authority (OJK).
3. Honest reserves the right, at its sole discretion, to change, modify, extend, shorten, suspend, or terminate the Program at any time with commercially reasonable efforts to provide prior notice, to the extent permitted by law and in accordance with the provisions of the License (as defined below).
4. Honest reserves the right to disqualify participants suspected of fraud, abuse, manipulation, or other activities inconsistent with the spirit of the Program or applicable laws.

2. Promotion & Regulatory Compliance

All promotional materials refer to these Terms & Conditions and state that Honest is an institution licensed and supervised by Bank Indonesia and the Financial Services Authority (OJK).

3. Privacy

1. By participating in this Program, users consent to the collection, processing, and use of their personal data by Honest for Program administration, verification, prize delivery, and marketing purposes.
2. Participants' personal data will be handled in accordance with applicable data protection and privacy laws, as well as Honest's Privacy Policy. By joining the Program, participants consent to such processing and confirm that the information provided is accurate and complete.

4. Complaint Handling Mechanism

1. Participants with questions, objections, or complaints regarding this Program may contact: written complaints — WhatsApp 0811-1919-1101 or Instagram @HonestIndo; verbal complaints — Indonesia 0800-1-101-101 (Toll-Free) or international calls at +6221-50867077.
2. Honest's decisions on all aspects of the Program's implementation, including but not limited to determining participant eligibility, draw results, and prize distribution, are final, binding, and not subject to appeal.

5. Miscellaneous

1. Honest's decisions regarding the Program and participant eligibility are final and binding. Honest reserves the right to investigate and take action against suspected abuse, fraud, or violations of these Terms & Conditions. Participation in this Program does not guarantee winning a prize.
2. These Terms & Conditions are governed by the laws and regulations of the Republic of Indonesia. Honest may update these Terms & Conditions from time to time; by continuing to participate, you agree to such updates.
3. Customers should be wary of fraud attempts by individuals claiming to be Honest representatives. Any fraudulent or criminal activity committed by third parties or individuals claiming to represent this Program is beyond Honest's control. Never share personal data such as card numbers, expiration dates, PINs, OTPs, and CVC numbers with anyone.
4. These Terms & Conditions are drafted in Indonesian and English. Both versions are equally valid; however, in the event of any inconsistency or discrepancy in interpretation between the two versions, the Indonesian version shall prevail, and the English version shall be deemed automatically amended to conform to the Indonesian version.
5. Customers acknowledge that they have read, understood, and agreed to these Terms & Conditions. By participating in this Program or clicking the “Agree” button or any similar button, Customers provide electronic consent that has the same legal force as a wet signature.