Terms and Conditions

Ketentuan penggunaan situs Web Kreditplus

Terms of Use

This page contains the terms and conditions governing your use of our website ("Terms of Use"). You are required to carefully read these Terms of Use before using our website. If you do not agree to these Terms of Use, please refrain from using our website.

About Us

Kreditplus is established and provided by PT KB Finansia Multi Finance, a company incorporated under the applicable laws of Indonesia, with its registered address at Office 8 Building, 15th Floor, SCBD Lot 28, Jl. Jenderal Sudirman Kav. 52-53, Jakarta 12190.

The Terms of Use set forth on this page are protected by copyright. Any use, whether in part or in whole, by third parties without our consent is strictly prohibited, except as permitted by the prevailing laws and regulations in Indonesia.

Definitions


Changes from Time to Time

We may revise these Terms of Use from time to time. If we make any changes, we will post them on our website and indicate the date of the last revision on this page. Your continued use of our website after any revisions indicate your acceptance of the new Terms of Use.

Age Requirements

To place an order through our website, you must be over 21 years old. If you are under 21 years old, you may access the website only with the consent and/or involvement of a parent or legal guardian.

Product Promotions

We clarify that this website is solely used as a promotional platform for our products. Accordingly, we state the following:


Account


Your Representations and Warranties

You unconditionally and irrevocably represent and warrant that:


Your Obligations in Using the Website

You agree to:


Our Relationship with You


Intellectual Property Rights


Your Content and Information


Use of Personal Data

You are required to read Our Privacy Policy when using Our Website, which details Our data usage and privacy policy implementation. Please do not submit any Personal Data or other information without first reading Our Privacy Policy. Our Privacy Policy is an integral part of these Terms of Use.

Access to Our Website


Viruses

We do not guarantee that Our Website is free from viruses or harmful elements. You are responsible for configuring your own information technology, computer programs, and platform to access Our Website. You must use your own antivirus software.

Misuse of the Website

You must not misuse this Website for any reason. You shall not commit or support criminal activities, transmit or distribute viruses, including trojan horses, worms, logic bombs, or send harmful materials to the Website. You must not deploy harmful technology, breach trust, or act in an offensive or harassing manner; attempt unauthorized access to any part of the Website; damage data; disrupt other users; violate the decency of others; send unsolicited advertisements or promotional materials; or attempt to interfere with the performance or function of any computer facilities or access to the entire Website. Any violation of these terms constitutes a criminal offense under Law No. 11 of 2008 on Electronic Information and Transactions (ITE) and its implementing regulations. If such a violation occurs, We will report it to the relevant law enforcement authorities and appropriate legal action will be taken.

Third-Party Websites


Changes to Website Content


Use of Cookies

This Website may use cookies, which you must consent to for full functionality. Cookies are files used by Our server to identify your computer. The cookies We use will record which parts of Our Website you visit and for how long. You have the right to reject cookies by configuring your browser settings. However, please note that such settings may affect certain functionalities of this Website. For more details about the use of cookies, please refer to Our Privacy Policy.

Uploading Content to the Website


Website Articles


Special Provisions for Users Outside Indonesia

We understand that access to our Website may be made by users outside Indonesia. Therefore, you agree that your personal data will be transferred and processed in Indonesia, and you will remain subject to our Terms of Use and Privacy Policy.

Third-Party Rights

Unless expressly provided for in these Terms of Use or another agreement between us and you, or under applicable laws and regulations, no person or entity that is not a party to the Agreement shall have the right, under any applicable law, to demand enforcement of any provision of this Agreement, whether or not such person or entity is identified by name, as a member of a class, or as otherwise described.

Limitation of Liability and Indemnification


Termination


Severability

If any provision or part of the Terms of Use is declared invalid or unenforceable under applicable laws or regulations, that provision or part will be deemed not part of these Terms of Use to the extent of its invalidity or unenforceability, and the validity of the remaining provisions will not be affected. Our failure to enforce or exercise any right or provision of these Terms of Use will not be deemed a waiver of such right or provision in any instance or circumstance.

Entire Agreement

The Terms of Use and Privacy Policy constitute the entire agreement between you and us and replace all prior and contemporaneous agreements between you and us. Any waiver of these Terms of Use will only be effective if made in writing and signed by an authorized signatory of ours.

You acknowledge that, in entering into this Agreement, neither you nor we have relied on any representations, actions, or promises made by the other or implied from any written or spoken words before the Agreement, except as expressly stated in the Agreement.

Force Majeure


Taxes and Other Costs

Taxes and other costs arising in connection with the Website, if any, will be borne by each Party according to the applicable regulations.

Language of Terms of Use

We may provide a translation of this Terms of Use into other languages. You understand and agree that any translation of this Terms of Use into another language is for your convenience only, and the Indonesian version will remain the governing version. In case of any discrepancy between the Indonesian version of these Terms of Use and the translated version, the Indonesian version shall prevail.

Notices

Any notice and notification under this Agreement will be given in writing either by letter, fax, or email to you at the address or email address provided by you.

Assignment

You agree that your rights and obligations under these Terms of Use may not be assigned to any third party, except as provided for in these Terms of Use, unless with our prior written consent.

Governing Law and Dispute Resolution

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Indonesia. Both we and you hereby submit to the non-exclusive jurisdiction of the Indonesian Courts.

Contradictions

In the event of any conflict between these Terms of Use and the Privacy Policy or any other agreements related to the Website between you and us, the order of precedence of the Agreement is as follows:


The invalidity of any of the above agreements will not cause the invalidity of the remaining agreements.