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

• "Account" refers to a unique identity used to classify you and record your activities on the website, including placing orders, which is done by registering on our website.
• "You" (and variations of its grammatical form) refers to the person accessing and/or using the website, regardless of whether you are registered or not.
• "Personal Data" means any information or data that can be used to directly or indirectly identify an individual person.
• "Privacy Policy" refers to the Privacy Policy on this website.
• "We" (and variations of its grammatical form) refers to KreditPlus (PT Finansia Multi Finance) and its duly authorized representatives.
• "Content" refers to all content on our website as a whole or in any part, including but not limited to design, text, graphics, photos, images, videos, software, music, sounds, and other files, pricing, fees, quotations, historical data, charts, statistics, articles, contact information, and any other content that is subject to copyright protection.
• "Force Majeure" has the meaning as stated in Article XXVII of these Terms of Use.
• "Agreement" consists of:
• The Terms of Use;
• The Privacy Policy;
• Any contractual engagements between you and us (if any).
• "Product" refers to any financing product that we provide.
• "Website" refers to KreditPlus' website, including all its domains and subdomains.
• For the purpose of these Terms of Use, you and we are collectively referred to as "the Parties" and individually as a "Party."

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:

• We cannot be sued or held liable for any statements, errors, inaccuracies, or omissions in any content or third-party content published on our website.
• Neither our company nor any of its directors, employees, agents, affiliates, or representatives shall be responsible for any interruptions or issues occurring or deemed to have occurred due to the publication of material and information contained on our website.
• All information and data obtained from our website will be stored in compliance with Law No. 11 of 2008 concerning Electronic Information and Transactions and its implementing regulations.
• All descriptions of products, information, and materials posted on our website are provided "as is" without any direct or implied guarantees.

Account

• If you choose or are provided with a unique code, password, or other security credentials for your account, you must keep such information confidential.
• We reserve the right to deactivate any account, unique code, or password at any time if we determine that you have violated these Terms of Use.
• We may deactivate your account if it remains inactive for a certain period without prior notice.
• If you become aware of or suspect that another party has gained access to your unique code or password, you must notify us immediately.
• Your right to place an order ends when your account is deleted. Deleted accounts cannot be restored, even if deleted unintentionally.
• Your account is exclusively for your own use and may not be transferred or loaned to any third party.

Your Representations and Warranties

You unconditionally and irrevocably represent and warrant that:

• You have read and agree to these Terms of Use and our Privacy Policy.
• You have full legal rights, capacity, and authority to access the website.
• You use our website in good faith and for lawful purposes in accordance with applicable laws and regulations.
• Your use of the website does not violate any obligations, including contractual agreements with third parties.
• All information you provide to us is accurate and complete.
• No material or information shared through your account will infringe on third-party rights or violate any laws.
• You are fully responsible for the truthfulness of your representations and will be held accountable for any misrepresentations.

Your Obligations in Using the Website

You agree to:

• Use the website in compliance with these Terms of Use, the Privacy Policy, and applicable laws.
• Not post harmful software, viruses, or conduct unauthorized activities such as hacking.
• Not share third-party personal information on the website.
• Not engage in spam, unsolicited advertising, or unauthorized data scraping.
• Not impersonate another individual or create offensive usernames.
• Maintain the security of your account credentials.
• We reserve the right to disable your account if you fail to comply with any of these terms.

Our Relationship with You

• We are not responsible for any losses arising from your dealings with third parties outside of our company.
• Nothing in these Terms of Use shall be interpreted as creating a partnership, agency, or employer-employee relationship between you and us.

Intellectual Property Rights

• All copyrights, patents, trademarks, registered designs, and other intellectual property rights on the website and its content are owned by us.
• KreditPlus' logos, graphics, service names, and trademarks are our assets and may not be used without our prior written consent.
• Unauthorized use of our website, trademarks, or content may lead to legal action against you.

Your Content and Information

• You retain ownership of any content you submit unless explicitly transferred to us.
• By posting content, you grant us a non-exclusive, transferable, sublicensable, royalty-free, and global license to use your content.
• Even after deletion, your content may still exist in backup copies.
• If your account is set to "public," your content may be accessible by anyone.
• You bear full responsibility for the accuracy, reliability, and legality of your content.
• We reserve the right to remove any content that violates these Terms of Use or is deemed harmful.

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

• Our Website is accessible free of charge. We do not guarantee that Our Website will always be available and uninterrupted. We are not responsible if Our Website becomes unavailable at any given time or for a certain period.
• You are responsible for making the necessary arrangements to access Our Website. You are also responsible for ensuring that any person accessing Our Website through your internet connection is aware of these Terms of Use, the Privacy Policy, and other applicable terms and agrees to comply with them.
• Our Website is intended for individuals residing in Indonesia. We do not guarantee that the content available on Our Website is sufficient or accessible in other regions. We may restrict the availability of Our Website to specific individuals or geographical areas. If you access Our Website from outside Indonesia, you acknowledge that you do so at your own risk.

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

• This Website may contain links to other websites. Such links are beyond Our control and responsibility. We do not guarantee the content or availability of linked websites that are not operated by Us. Links on Our Website are provided solely for your convenience and do not imply endorsement or approval of the linked sites. Therefore, you should always refer to the terms and conditions of the linked sites before using them and direct any inquiries or comments to the respective website provider.
• We do not guarantee the quality of products or services provided by third-party websites linked from Our Website. You are not permitted (nor are you allowed to assist others) to create links from your website to Our Website (in any way) without Our prior written consent. You are also not permitted to create direct links (hot links) to content or images without Our prior written consent.

Changes to Website Content

• We may change Our Website and its content from time to time. Please note that the content on Our Website may become outdated, and We are not responsible for updating it.
• We do not guarantee that the content and Our Website are free from errors or omissions.

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

• If any features on Our Website allow you to upload content, the uploaded content must comply with these Terms of Use and applicable laws and regulations. You guarantee that if the content does not meet the required provisions, you are responsible to Us and must indemnify Us for any violations.
• Content you upload to Our Website will be considered non-confidential and non-proprietary. You retain ownership rights to the content, but you grant Us a limited license to use, store, copy, and distribute such content.
• We also reserve the right to disclose your identity to third parties who claim that content uploaded by you to Our Website infringes their intellectual property rights or privacy rights.
• We are not responsible or liable to third parties for the accuracy of content uploaded by you or others to Our Website.
• We reserve the right to remove any uploaded content if We determine it does not comply with these Terms of Use and applicable laws and regulations.

Website Articles

• All articles (if any) provided on Our Website are intended for your personal use and not for commercial redistribution.
• We reserve the right to publish, edit, or delete data or information from you in Our articles.
• We are not responsible for any failure in delivering data or information through various communication channels, including email, SMS, or other online means, due to unexpected technical errors.
• We strive for the highest accuracy in the data and information presented by Us or Our content partners. However, We are not responsible for errors or delays in updating data or any loss arising from the use of such data or information.
• In providing article content, We ensure a balanced perspective in accordance with Law No. 40 of 1999 on the Press and other applicable regulations.

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

• In providing the Website, we strive and are committed to complying with applicable laws and regulations, including but not limited to Law No. 11 of 2008 on Information and Electronic Transactions and its implementing regulations, and Law No. 8 of 1999 on Consumer Protection.
• We are not liable for any loss resulting from failure to comply with or negligence in performing the provisions of these Terms of Use and Privacy Policy.
• We are not responsible for the legal relationship between you and any third party, including but not limited to any loss you or any third party may suffer due to your obligations with other third parties.
• Without prejudice to the other provisions of the Terms of Use and Privacy Policy, we are not liable for any loss related to:
  • Unavailability of access to and from the Website and Content for any reason;
  • Changes, modifications, deletions, additions, or termination of our Website, Content, Terms of Use, or Privacy Policy;
  • System, network, server, or connection failures causing disruption to access to our Website, whether intentional, unintentional, or due to actions by third parties outside our control;
  • Inadequacies, deficiencies, inaccuracies, errors, incompleteness, or mistakes in the Website and Content;
  • Loss of profits, opportunities, or data arising from your use of the Website and/or Content;
  • Any harmful effects experienced by you as a result of accessing our Website, including but not limited to the loss of profits, business disruption, and business opportunities;
  • Any losses caused by Force Majeure events;
  • Any breach of the Terms of Use and Privacy Policy required by applicable laws, orders from competent authorities, or court decisions.
• You agree to indemnify and hold us harmless from any claims, liabilities (including statutory obligations and third-party obligations), costs, expenses, fines, charges (including but not limited to full indemnity legal fees), damages, decisions, and/or losses incurred or caused by us, including actual or potential profits and opportunities lost, due to:
  • Your violation of the Terms of Use, Privacy Policy, and applicable laws;
  • Violations of the representations and warranties stated above;
  • Actions by third parties using your Account that result in damage to us and/or others;
  • Your negligence causing damage to third parties.

Termination

• We may, at any time and at our sole discretion, suspend your access to the Website and/or deactivate and close your Account, including deleting all your information, data, and content, whether temporarily or permanently, without prior notice if we deem it necessary.
• Such termination does not waive your obligation to pay any damages as required under these Terms of Use and Privacy Policy.
• In connection with termination, both Parties agree to disregard Articles 1266 and 1267 of the Indonesian Civil Code.

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

• Force Majeure refers to events beyond our control and reasonable ability to perform under these Terms of Use, including but not limited to natural disasters such as earthquakes, storms, floods, volcanic eruptions, epidemics, fires, mass strikes, war, riots, revolutions, economic, political, social turmoil, unconstitutional government changes, changes in laws and regulations, and changes in government policies in economic and monetary fields that directly affect us.
• We will not be held liable for delays in fulfilling our obligations under this Agreement caused by Force Majeure events.
• You agree not to assert any rights regarding the failure to perform obligations by us under this Agreement due to Force Majeure events.

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:

• Terms of Use;
• Privacy Policy;
• Other agreements.

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