PLATFORM TERMS AND CONDITIONS

  1. INTRODUCTION
  1. 1.1     Welcome to our platform (the "Platform"). This platform is operated by PT Honest Financial Technologies ("we", "us", "our").
  2. 1.2     These Platform Terms and Conditions ("Terms") govern how you use our platform. These Terms are binding when you agree to them.
  1. YOUR CONSENT
  1. 2.1     Please ensure that you have read these Terms carefully before you accept them.
  2. 2.2    Please do not use our Platform if you are under the age of 18 or under guardianship.
  1. CHANGES TO TERMS
  1. 3.1     We may change these Terms at any time. We will notify you of any changes in accordance with applicable law.
  1. OUR PLATFORM
  1. 4.1     We may make changes to our Platform at any time. We will notify you of any changes in accordance with applicable law.
  2. 4.2     Our platform is available as is. It is possible that some parts do not work properly.
  1. SERVICES
  1. 5.1     We allow you to make transactions on our Platform. You are responsible for all transactions from your account on the Platform.
  2. 5.2     You must create an account to use our Platform.
  3. 5.3     When you create an account, you must provide your personal data. We may verify your Information in accordance with our systems and procedures.
  4. 5.4     When you log in to your account, we will verify your profile or the device you are using with our methods. If we are unable to verify your profile or device, we may deny access to your Account.
  5. 5.5     If you are participating in a trial of our Platform or services, during the trial, we provide our Platform and services as-is-available. Our platform may malfunction or experience interruptions from time to time. You hereby accept this condition.
  6. 5.6     Please keep all information related to the trial confidential. You can only provide such information with our consent. During the trial, you can only submit the results of reviews or complaints on our Platform or services through our customer care or other media that we specify. You promise not to upload anything related to the trial or submit the results of reviews or complaints about our Platform or services on any social media platform or other platform.
  1. CREDIT CARD APPLICATION
  1. 6.1     Credit card applications can only be made through our Platform. To make an application, you must meet the following requirements:
             a.     Indonesian citizen;
             b.    Be 21 years old or married; and
             c.     Minimum net income of IDR 3,000,000.
  2. 6.2     You must provide complete and accurate information. Otherwise, we reserve the right not to process your credit card application.
  3. 6.3     You can only apply for yourself. You hereby guarantee that.
  1. CREDITWORTHINESS ASSESSMENT
  1. 7.1     We will do a check to assess whether you deserve our card. We will use various data in the checking process. These checks are carried out based on our procedures and applicable law. We may use third party services in conducting checks.
  2. 7.2     We may ask you to log into your banking app to verify your financial information.
  3. 7.3     We reserve the right not to disclose how we conducted the checks and the results.
  1. APPROVAL OF CREDIT CARD APPLICATION

    We will notify you if your card application is approved. We'll also let you know if your application was rejected and why.
  1. CREDIT CARD ISSUANCE

    Once your application is approved, we will provide you with your card details, which you can also view on our Platform. We will also issue and send a physical card to the address you provided.
  1. CARD ACTIVATION
  1. 10.1     You can directly use the card details available on our Platform for online shopping. However, you must activate the physical card first before using the physical card.
  2. 10.2     Please note, your use of the card is proof that you agree to the cardholder agreement.
  1. PERSONAL IDENTIFICATION NUMBER

    You must set up a personal identification number (PIN) through our Platform after receiving the card. Please always keep your PIN confidential. We recommend replacing periodically.
  1. MANAGE CREDIT CARD ACCOUNTS
  1. 12.1     Our Platform may allow you to access information or notifications related to cards, accounts, transactions, and bills. We may add other features to the Platform at any time.
  2. 12.2     As a digital platform, we use links to or electronic versions of documents. You hereby agree that this method of delivery is a valid method for us.
  1. PRIVACY

    Your privacy is very important to us. Please read our privacy policy to understand how we use your data.
  1. LIMITED LICENSE
  1. 14.1      You have a limited license to use and access our Platform.
  2. 14.2     All content and intellectual property rights on our Platform are not your property. The content and intellectual property rights belong to the owner of the content and the intellectual property rights. Except as permitted in these Terms, you must obtain written consent to use such content and intellectual property rights.
  3. 14.3     We or any other party does not directly or indirectly grant you the right to copy, distribute, reproduce, modify, publish, transmit, display, publicly display, perform, adapt, rent, create derivative works or commercially use any content and intellectual property rights available on our Platform.
  1. ACCOUNTS AND SECURITY
  1. 15.1     You can use your account to access other products, websites, or services to which we open access or that we collaborate with. In this case, the terms applicable to the product, website or service will apply when you use it, and we are not responsible for the same.
  2. 15.2    You must notify us of any misuse or issues relating to your account.
  3. 15.3     You are solely responsible for all activities that use your account. For security reasons, we may log out your account automatically after a period of inactivity.
  4. 15.4   We may block your account for any reason, including security. You are required to follow our procedures to unblock your Account.
  5. 15.5   We may close your Account for a variety of reasons, including: a) violation of the Terms and/or applicable law, b) fraud, harassment, defamation, threats or abusive behavior, c) conduct that harms other users, third parties, or our business interests or d) as instructed by relevant government or law enforcement agencies.
  6. 15.6   We may report to law enforcement authorities any use of your account that may be illegal or in a manner that harms other users, third parties, or our business interests. In this case, you release us from all losses and/or claims that may be incurred.
  1. SYSTEM SUSPENSION OR DAMAGE
  1. 16.1     We always strive to make our services available 24x7. However, there may be circumstances that prevent you from accessing our Platform.
  2. 16.2     In such circumstances, you release us and all our affiliates from all liability related to the inability to use our Platform. You also release us from all losses and claims related to this.
  1. DISCLAIMER
  1. 17.1     We do not provide any warranty or guarantee regarding our services and Platform. our services and Platform are available as is and as available.
  2. 17.2     You download data from our system at your own risk. We do not guarantee that such data is free from viruses or other malicious forms (malicious forms).
  1. EXCLUSION AND LIMITATION OF LIABILITY
  1. 18.1     We are not responsible for any losses related to the use, profits, goodwill or expected savings or indirect, incidental, special or consequential losses related to the use or inability to use the Platform and/or services.
  2. 18.2     Notwithstanding clauses 17.1 and 17.2, if a court of competent jurisdiction finds us liable (including for willful negligence), our liability to you or any third party is limited to Rp1,000,000 (one million Rupiah).
  1. PROHIBITED ACTIONS
  1. 19.1     You agree not to:
             a.     Violate our Terms, policies or procedures, and applicable law;
             b.     Perform actions that are not permitted or may harm or disturb other users, our employees or us; or
             c.     Modify, reverse engineer, disassemble or hack the Platform.
  2. 19.2    If we reasonably suspect that you may be engaging in any of the above impermissible acts, we may take the following steps:
             a.     Restrict access to your account and/or credit card;
             b.     Refuse to provide services to you;
             c.     Take legal action against you; and/or
             d.     Take other steps or actions appropriate to the situation.
  3. 19.3     You agree that we may use or disclose your account information in good faith as reasonably necessary to:
             a.     Comply with legal process, required by law or based on a court or regulatory decision;
             b.     Enforce these Terms;
             c.     Respond to claims of infringement of third party rights;
             d.     Respond to your requests for customer service;
             e.     Respond to your complaints; and/or
             f.      Protect the rights, property or personal safety of users, us, and/or the public.
  1. FEEDBACK AND NOTIFICATIONS
    ‍
    If you have any feedback or complaints, you can contact us through our Customer Care which is available every day, 24/7, at 0800-1-101-101 (Indonesian domestic calls), +6221-50867077 (international calls) or via our WhatsApp at +6281119191101. Your conversation with Customer Care will be recorded.
  1. REPRESENTATIONS AND WARRANTIES

    You represent and warrant that:
             a.     You have the legal capacity, rights and ability to create and fulfill these Terms;
             b.     All information provided regarding your account is true, complete, accurate, and current.
  1. COMPENSATION
    ‍
    You agree to indemnify and hold harmless us and our shareholders, subsidiaries, affiliates, officers, representatives, co-branders or other partners and employees (collectively, the "Indemnified Parties"), at your own expense, from and for any and all claims, actions, proceedings and demands, and all related liabilities, damages, settlements, penalties, fines, costs and expenses (including,  but not limited to, reasonable legal fees and other expenses related to dispute resolution) suffered by an Indemnified Party due to or related to:
    ‍
             a.     Your access and/or use of the Platform;
             b.     Your breach or non-compliance with the Terms;
             c.     Your use or misuse of the Services; or
             d.     Violation of the law or the rights of third parties by you.
  1. DETACHMENT
    ‍
    If any part of these Terms becomes unenforceable or invalid, that part will not affect the other parts, in which case the other parts will remain in full force and effect.
  1. GOVERNING LAW
    ‍
    The laws of Indonesia apply to these Terms. Disputes shall be resolved by arbitration in Indonesia through the Indonesian National Arbitration Board ("BANI"), established through the Decree of the Indonesian Chamber of Commerce and Industry (KADIN) No. SKEP/152/DPH/1977 and which on the date of this Agreement is domiciled at Wahana Graha Lt. 1 &; 2, Jl. Mampang Prapatan No. 2, South Jakarta, Indonesia, in accordance with the BANI Regulations in force on the date on which the dispute is informed by one party to another. Such rules and procedures are deemed to have been incorporated by reference into this section. This arbitration shall be conducted with one arbitrator and shall use Indonesian.
  1. GENERAL PROVISIONS
  1. 25.1     We reserve rights not mentioned here. Our rights survive unless we waive such rights in writing.
  2. 25.2     The Privacy Policy is deemed to form part of these Terms by reference.
  3. 25.3     We may update these Terms from time to time. By continuing to use our Platform, you agree to such updates.
  4. 25.4     You may not assign or subcontract your rights or obligations without our consent.
  5. 25.5     The relationship created under these Terms is not a partnership, joint venture, or representative relationship. You do not have any authority to act on our behalf.
  6. 25.6     These Terms are made only for the benefit of you and us (including our affiliates and subsidiaries) and not the interests of any other person or party.
  7. 25.7     These Terms apply as a conclusive agreement between you and us superseding all prior agreements, if any. The English version of the Terms is for reference only. The binding version is the Bahasa Indonesia version.
  8. 25.8     If you have any questions regarding these Terms, please contact us.
  9. 25.9     You have read these Terms. You understand that by using our Platform, you are giving electronic consent that has the same power as a wet signature.
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