This Privacy Policy ("Policy") sets out how your information is collected, used, and disclosed through any digital lending application we use. This Policy applies only to personal information collected by the platform. Please read this Policy carefully. By continuing to use the service, you indicate your agreement with this Policy. If you do not agree with this Policy, you can choose not to use the service.
Access to any platform must comply with the terms and conditions (Terms) accessible on that platform.
We, DTY FOR E COMMERCE (company; we; our; ours), have a digital lending application called Digi Kredit (application/app) that allows you to apply for loans (loans) granted based on the loan agreement you sign with our lending partners. As a customer, you authorize us to collect, store, verify, authenticate, and distribute personal information (defined below) that may be required for the approval of the loan through the mobile application form (mobile application form) provided on the application.
We are committed to protecting your privacy and have developed this Privacy Policy to describe the procedures we follow regarding the collection, use, and disclosure of personal information. We recommend that you carefully read this Privacy Policy to understand how we use your personal information.
To use the service, you need to register with the company through a third-party platform (user account) in accordance with this policy. The service refers to the facilitation of loans through the platform.
During the application process, you will be required to share/upload certain personal information, including your name, email address, gender, date of birth, mobile number, password, photo, mobile device information, SMS and browsing history, data (as defined below), financial information such as bank documents, pay stubs, bank statements, bank account, data from credit information companies, data required for understanding your customer compliance, requests, and other relevant details (personal information). You undertake full responsibility for the accuracy and truthfulness of the personal information shared with us.
You understand and acknowledge that the company reserves the right to track your location (tracking) during the provision of the service and until you have fulfilled any outstanding payment obligations by deleting or uninstalling the service when you stop, cease, or discontinue the use or utilization of the service. Deleting, uninstalling, and/or terminating our service does not relieve you of the responsibility and obligation to repay any outstanding amounts.
Furthermore, you understand and acknowledge that providing the information provided here is voluntary, and you may choose to provide and/or refuse to provide any data. However, if you do not provide any data, you may not be eligible to receive certain services that require data collection.
We may use cookies to track your usage of the platform. Cookies are small encrypted files that a website or its service provider transfers to the hard drive of your device, allowing the website or service provider's system to recognize your device and capture and remember certain information. By using this application, you consent to our use of cookies.
We will not sell, rent, or lease your personal information to anyone, and we never will. Please remember that we may disclose your personal information in the following circumstances:
Administrators: For internal business purposes, we may provide authorized administrators with access to your personal information, and they are bound by confidentiality obligations.
Affiliated Companies: We may share collected personal information with our affiliated companies, including insurance companies with your explicit consent. For example, we may disclose personal information to our subsidiaries in order to respond to your requests for information or services or to help limit the marketing materials you receive upon your request.
Business Partners: We may engage trusted third-party companies and individuals to assist us in providing, analyzing, and improving services, including but not limited to data storage, maintenance services, database management, credit bureaus, rating agencies, web analytics, and payment processing. These third parties have access to your information only for the purpose of performing tasks on our behalf and are obligated similar to this privacy policy. We may disclose your personal information to business partners who perform business functions or host services and may be located outside Indonesia, but please rest assured that all your data is stored only on servers located in Indonesia.
Service Providers: We may share your personal information with service providers who collaborate with us to operate services or platforms, as long as such service providers comply with consistent confidentiality and privacy policies.
Joint Marketing Arrangements: Where permitted by law, we may share your personal information with joint marketers who have a marketing arrangement with us. We require all such joint marketers to enter into written agreements with us specifying the appropriate use of your personal information, requiring them to protect your personal information, and prohibiting unauthorized or unlawful use of your personal information.
Personnel Acquiring Our Assets or Business: If we sell or transfer any of our businesses or assets, certain personal information may be part of the sale or transfer. In such an event, we will notify you.
Legal and Regulatory Authorities: Due to legal or regulatory requirements, we may need to disclose your personal information. In such cases, we reserve the right to disclose your personal information as required to fulfill our legal obligations, including but not limited to complying with court orders, search warrants, or evidence disclosure requests. We may also disclose your personal information to law enforcement officials or others for (a) credit information companies; (b) compliance with judicial proceedings, court orders, or legal processes served on us or the platform; (c) enforcing or applying this privacy policy or service terms or our other policies or agreements; (d) involving bankruptcy proceedings that relate to all or part of the information's business or assets; (e) responding to any claims of infringement of third-party rights regarding personal information; (f) or protecting the rights, property, or personal safety of the company or the public. You agree and acknowledge that we may not notify you before or after making disclosures under this section.
Notwithstanding the above provisions, the company is not responsible for the actions or inactions of service providers or any other party with whom personal information is shared, nor does the company assume responsibility and/or liability for any additional information you may choose to directly provide to any service provider or any third party.
Digi Kredit is committed to protecting your personal data from unauthorized access, misuse, and disclosure by using appropriate security measures based on the type of data and the way we handle it. We retain information about you to provide a seamless experience, to contact you when support is needed, to provide information related to your account, and to detect, mitigate, prevent, and investigate fraud or illegal activities during the service process. We retain your data as necessary to provide our services to you. We may also retain and use your basic personal information, including your name, contact number, transaction details, and address details, as required to comply with our legal obligations, resolve disputes, and enforce our agreements, which should always be in accordance with applicable laws. Under this provision, we can delete your data at any stage upon a reasonable written request. However, please note that after deletion, you may not be able to use our services.
We reserve the right to change, modify, add, or remove portions of this privacy policy at any time and for any reason. If there are any changes to the privacy policy, we will update it on the platform. Unless otherwise stated, these changes will be effective immediately upon posting. We encourage you to regularly review this page for the latest information regarding our privacy practices. By continuing to access or use the services, you signify your acceptance of the revised and amended privacy policy.
We value your personal information and take extensive security measures to protect personal information on the platform from loss, misuse, or alteration. To safeguard your personal information, we have implemented adequate technologies and will update these measures as new technology becomes available. All personal information is securely stored in a protected cloud setup, and all communications are conducted through bank-grade secure SSL communication channels. Personal information is stored on Google Cloud. While we provide appropriate firewalls and protections, we cannot guarantee the security of any personal information transmitted as our systems are not hacker-proof. Unauthorized hacking attempts, virus attacks, and technical issues may result in data breaches, and we do not assume any liability for such incidents.
You are responsible for all activities that occur under your user account. If you choose to share your user account details and password or any personal information with third parties, you do so at your own risk and responsibility. If you lose control over your user account, you may potentially lose substantial control over your personal information and may be subject to legally binding actions.
Amendment or Correction of Your Information: If any personal information you provide is inaccurate, incomplete, or outdated, you have the right to provide us with accurate, complete, and up-to-date data and request us to correct such data promptly. We urge you to always provide us with accurate information/data to ensure uninterrupted use of our services. In case of a change in personal information, users will need to provide supporting documents related to the changes for verification by the company.
Privacy Controls: You have certain choices regarding the information we collect and how it is used:
Withdrawal/Refusal of Consent: You acknowledge that the platform has formally collected information with your consent. You can choose not to provide such information, refuse to consent to the use of specific information, or revoke previously given consent. However, if any services you are using are active, withdrawing such personal information is not allowed. If consent is withdrawn, the platform does not guarantee or assume responsibility for providing such services. You have the following rights regarding the information we collect from you.
You explicitly understand and agree that the company shall not be held liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, reputation, use, data, information, details, or other intangible losses resulting from the following reasons (even if the company has been advised of the possibility of such damages): (i) the use or inability to use the services; (ii) unauthorized access or alteration of your personal information.
We may update this Privacy Policy without prior notice. We encourage you to regularly review this Privacy Policy to stay informed of any changes made to it. Continued use of the services and access to the platform will be deemed as your acceptance of this Privacy Policy.
If you have any questions, concerns, or complaints regarding this Privacy Policy, you can contact us through our complaint email: [email protected]
