PT Finetiks Inovasi Indonesia (hereinafter referred to as “Finetiks”, “We”, “Our”), as the personal data controller, is very concerned about protecting the personal data of each user (“User”, “You”, “Yours”) provided to Us to support Our provision of Services to You.
This Privacy Policy explains the terms regarding the processing of Your personal data on Our mobile application ("Platform"), as well as any questions submitted through the "Contact Us" page and sets out Your choices and rights in relation to that information.
We created this Privacy Policy as a form of Our concern to provide security for any collection, processing, disclosure and transfer, as well as guarantee and exercise full control over any processing of Your personal data.
As a financial technology company based in Indonesia, We comply with provisions related to personal data protection regulated in Law Number 27 of 2022 concerning Personal Data Protection and the requirements of the authorized officers.
Furthermore, this Privacy Policy is made to regulate the terms of Your data use in connection with the provision of the Services that we mention in the Terms of Use and is an integral part of the Terms of Use of Finetiks. Every term defined in the Terms of Use also applies in this Privacy Policy, unless otherwise specified.
We encourage You to read this Privacy Policy carefully to ensure that You understand Our data protection practices. If You do not agree to the processing of Your personal data in the way this Privacy Policy describes, please do not provide Your information when requested and stop using the Platform. By continuing to use the Platform You are acknowledging Our provision regarding Your personal data as described in this Privacy Policy.
CONTACT US ABOUT PRIVACY POLICY
If You have any query, comments, or recommendations about this Privacy Policy, please submit Your query, comments, or recommendations at support@finetiks.com. The process will take up to 20 (twenty) business days from the date of Your submission.
WHAT PERSONAL DATA DOES FINETIKS COLLECT?
We collect personal data about You when You use our Platform, include the following:
I. INFORMATION YOU PROVIDE TO US
We collect information You provide to Us which includes:
a. General Personal Data
This includes but is not limited to name, residential address, place and date of birth, marital status, occupation, National Identity Number (NIK), telephone or cellphone number, email address, username on the Finetiks Platform, photo and nationality.
b. Specific Personal Data
You may provide to Us includes but not limited to Your financial history and every other detail of financial transactions.
c. Supporting Data
i. Access to the camera for the User identification and verification process.
ii. Access to the gallery to upload documents stored in Your gallery for the purposes of the Service.
iii. Your mobile phone number for sending OTP (One-Time Password) for verification as a user.
II. INFORMATION WE COLLECT AUTOMATICALLY
We collect information about You and Your interactions, use, and experiences with Our Platform, as well as information regarding Your network, network devices, and the mobile devices you might use to access Our Platform. This information includes:
a. Log and Usage Data
Service-related, diagnostic, usage and performance information, including but not limited to Internet Protocol (IP) address, browser type and settings, and information about User activity in the Platform.
b. Mobile Device Data
Information about the User’s computer, phone, tablet or other device used to access the Platform, including but not limited to device and application identification numbers, location, and hardware model internet service provider or mobile carrier, mobile device ID, model, manufacturer, etc.
III. INFORMATION WE OBTAIN FROM THIRD PARTIES
You hereby agree that We can obtain, process, and analyze Your financial data from the results of the integration of third-party electronic systems that describe including but not limited to details of transactions, funds, invoices, investments, debts, and so on that may be provided by You to Us for the purpose of providing Our Services to You.
All personal data provided by the User to Us or automatically collected when the User access the Platform shall be stored in the secured electronic media storage. Your personal data is processed by Our servers located in Jakarta, Indonesia. Our web maintenance and operation team, and our technical team, are located in Indonesia.
By delivering the personal data to the Platform, the User approves the data transfer, storage, and processing that occurs on Our Platform. We will take reasonable steps to ensure that the personal data is treated securely and pursuant to the Privacy Policy as well as the prevailing laws and regulations.
CAN CHILDREN USE FINETIKS SERVICES?
When registering to become a Finetiks Platform User, User under the age of 18 years old, must attach parental and/or legal guardian consent to be able to use Our Services. In addition, We will limit the access for User under the age of 18 years old to the Finetiks Platform in terms of connecting them to third party sites which are financial service institutions and/or non-financial service institutions. All forms of access for User under the age of 18 years old and/or recommendations from Us to them are limited to products and/or Services for minors.Please contact Us at support@finetiks.com, if You have further inquiries regarding the use of Finetiks Services by minors.
ARE THERE SPECIAL MEASURES IN DATA PROCESSING FOR INDIVIDUALS WITH DISABILITIES?
In particular, We will process the personal data of User with special needs through communication in a certain way according to the needs of people with disabilities as regulated in Law Number 8 of 2016 concerning Persons with Disabilities.In processing data, persons with disabilities can act for themselves or be represented by their guardians.If You are a person with disability and need help to use Your rights as a Data Subject, please do not hesitate to contact Us at support@finetiks.com. The process will take up to 20 (twenty) business days from the date of Your submission.
HOW DOES FINETIKS COLLECT YOUR PERSONAL DATA?
Your personal data will be collected and stored, directly or indirectly, when:
a. You enter Finetiks Platform;
b. You disclose to Us;
c. any authorized persons related to You or appointed by You (including but not limited to Your spouse or family member) discloses to Us; and
d. from the results of integration of third party’s electronic system.
HOW WILL FINETIKS USE YOUR PERSONAL DATA?
Finetiks uses personal data to power Our Services, to process Your transactions, to communicate with You, for security and fraud prevention, and to comply with law. We may also use personal data for other purposes with Your consent.
We may process Your personal data when We have a valid legal basis to do so. For example, We use such information to:
a. To identify and register You as a User and to administer, verify, deactivate or manage Your account;
b. To identify and verify before We provide Services to You or before We register You as a User, in this case including carrying out the Know Your Customer (KYC) process;
c. To communicate with You concerning Our Service so that We can send You news about Finetiks, details about Our new features, special offers, promotional announcements, consumer surveys, and to assist You with operational requests such as password reset requests. These communication may be by various methods, such as email, push notifications, text message, etc.
d. To administer prize draws and competitions;
e. To comply with Your legal obligations;
f. To deliver and facilitate delivery of Services to Users;
g. To deliver targeted advertising to Users;
h. To determine the effectiveness of promotional campaigns;
i. To enable User-to-User communications;
j. To evaluate and improve Your Services, products, marketing, and User experience;
k. To identify usage trends;
l. To respond to User inquiries/offer support to Users;
m. To send administrative information to Users; and
n. To send Users marketing and promotional communications.
HOW LONG DOES FINETIKS RETAIN YOUR PERSONAL DATA?
We will retain Your personal data as long as Your account is active and We will not retain Your personal data longer than necessary unless We are required by law.
We will delete Your personal data if You decide to exercise Your subject data rights as provided in this Privacy Policy or if You decide not to become a Finetiks Platform User by deleting Your account.
Since Your request for deletion of Your personal data and/or since You deleted Your account in Finetiks Platform, Your personal data will be stored for at least 5 (five) years based on the laws and regulations in Indonesia.
DOES FINETIKS TRANSFER YOUR PERSONAL DATA ABROAD?
Our operations are supported by a network of computers, cloud-based servers, other infrastructure, and information technology, including but not limited to, third-party service providers.
There is a possibility where the parties above may be established in jurisdictions outside Indonesia. Whenever We transfer Your personal data, We will only transfer that personal data to countries that have been deemed to provide an adequate level of protection for personal data. If these countries do not provide adequate protection, then We will make certain contracts that are agreed upon by both parties and in accordance with the applicable laws and regulations.
We may transfer Your personal data to be processed by personal data processors in other countries for the purposes of data processing as stated in this Privacy Policy.
HOW DOES FINETIKS DISCLOSE YOUR COLLECTED PERSONAL DATA?
We will follow legal provisions and regulations strictly, and will take strict and secure protective measures to protect Your personal data in accordance with this Privacy Policy. Only where reasonably necessary will We disclose Your personal data. Situations where this occur are:
a. To perform or provide Our Services to You;
b. We may disclose Your personal data to vendors, consultants, firms, research institutes, or other similar service providers to conduct marketing activities to improve the quality of Our Services to You;
c. We may provide Your personal data to Our subsidiaries and/or affiliates to support the provision of Services or perform data processing for and on Our behalf;
d. In connection with merger, separation, acquisition, consolidation, or dissolution (“Corporate Action”) that We carry out to other parties involved in the Corporate Action. For the avoidance of doubt, if a change occurs in Our business, then any personal data of existing User that have been received, processed, and stored by Us and future User data will then be transferred to the new owner which may use Your personal data in the same way as set out in this Privacy Policy.
e. We disclose the User's personal data to fulfill legal obligations as required or permitted by applicable laws and regulations and/or if there is a valid request from law enforcement officers or an authorized state official.
f. Disclosure of Your personal data will be disclosed including but not limited to cloud computing services, data analytics services, data storage service providers, sales and marketing tools, User account registration and authentication services and/or website hosting service providers.
We ensure its confidential nature and impose strict restrictions on how third parties can use and disclose the personal data that We provide other than the purposes agreed in this Privacy Policy, and all handling of the personal data provided to these third parties must comply with the PDP Law in Indonesia.
NOTIFICATIONS FROM FINETIKS IF CORPORATE ACTION OCCURRED
If We decide to take Corporate Action, You will be notified before and after the Corporate Action through email and/or a clear notification on the Finetiks Platform, because We believe it is necessary to protect Your legal rights.
WHAT ARE YOUR RIGHTS AS A FINETIKS USER?
By using Finetiks Platform, You have legal rights in relation to the personal data We hold about You. In particular, You may exercise the rights available to You under PDP Law in Indonesia as follows:
a. If You want to use Your rights to update, correct, access or request deletion of Your personal data, You can do so at any time by contacting Us using the contact details below.
b. If We have collected and processed Your personal data with Your consent, then You can withdraw Your consent at any time. Withdrawing Your consent will not affect the lawfulness of any processing We conducted prior to Your withdrawal.
c. You have the right to object and/or restrict the processing of personal data. You can ask Us to restrict the processing of Your personal data or request portability of Your personal data by contacting Us using the contact details provided below.
d. You have the right to complain to a data protection authority regarding the processing of personal data which causes the failure of the protection of Your personal data by Us.
As above mentioned, if You would like to use Your rights, please contact Us at support@finetiks.com. The process will take up to 20 (twenty) business days from the date of Your submission.
FINETIKS REFUSAL FOR GIVING ACCESS TO YOUR PERSONAL DATA
Subject to PDP Law in Indonesia and for general welfare of the community, We may refuse to grant access to changes to Your personal data, if: (i) Endanger the safety, physical health, or Your mental health and/or others; (ii) Impact on the disclosure of other people's personal data; and/or (iii) Contrary to the interests of national defence and security.
LINKS TO OTHER SITES
Our Services may direct You to third-party content or services that are not operated by Us. They may or may not have their own published privacy policies. When You leave Our Services by clicking such links, We strongly advise You to review the privacy policy of every site You visit before providing any personal data. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
NOTIFICATION FROM FINETIKS IF THERE IS A FAILURE TO PROTECT YOUR PERSONAL DATA
We will notify You by means of written notification through the account and/or email address registered on the Finetiks Platform if there is a failure to protect Your personal data from Our Platform no later than 3x24 (three times twenty four) hours after the failure to protect personal data occurs.
CHANGES TO FINETIKS’S PRIVACY POLICY
We will update this Privacy Policy from time to time in response to the changing legal, regulatory or operational requirements. Therefore, We encourage You to regularly review the sufficiency of this Privacy Policy.
Any changes to this Privacy Policy, will be published on the Platform. If You do not agree to the updated Privacy Policy, You must stop accessing the Platform or using the Services. Otherwise, You will be deemed to agree and further be subject to such updated Privacy Policy.
The last changes, amendments, supplements or modifications to this Privacy Policy are made on the date referred to in the “last updated on” information above.
APPLICABLE LANGUAGE
We make this Privacy Policy in two versions which are Indonesian and English versions. In the event of any inconsistency or different interpretation between the Indonesian and English version, You hereby agree that the Indonesian version will prevail to the extent of such inconsistency or conflict, and the relevant English version is deemed to be automatically amended to be consistent with the relevant part of the Indonesian version.
PREVAILING LAW
This Privacy Policy and its implementation are made and comply with the laws and regulations in force in the Republic of Indonesia.
DISPUTE RESOLUTION
If there is a dispute between Finetiks and the User, then the dispute resolution method will be subject to the "Dispute Resolution" provisions in the Term of Use of Finetiks.
This Privacy Policy explains the terms regarding the processing of Your personal data on Our mobile application ("Platform"), as well as any questions submitted through the "Contact Us" page and sets out Your choices and rights in relation to that information.
We created this Privacy Policy as a form of Our concern to provide security for any collection, processing, disclosure and transfer, as well as guarantee and exercise full control over any processing of Your personal data.
As a financial technology company based in Indonesia, We comply with provisions related to personal data protection regulated in Law Number 27 of 2022 concerning Personal Data Protection and the requirements of the authorized officers.
Furthermore, this Privacy Policy is made to regulate the terms of Your data use in connection with the provision of the Services that we mention in the Terms of Use and is an integral part of the Terms of Use of Finetiks. Every term defined in the Terms of Use also applies in this Privacy Policy, unless otherwise specified.
We encourage You to read this Privacy Policy carefully to ensure that You understand Our data protection practices. If You do not agree to the processing of Your personal data in the way this Privacy Policy describes, please do not provide Your information when requested and stop using the Platform. By continuing to use the Platform You are acknowledging Our provision regarding Your personal data as described in this Privacy Policy.
CONTACT US ABOUT PRIVACY POLICY
If You have any query, comments, or recommendations about this Privacy Policy, please submit Your query, comments, or recommendations at support@finetiks.com. The process will take up to 20 (twenty) business days from the date of Your submission.
WHAT PERSONAL DATA DOES FINETIKS COLLECT?
We collect personal data about You when You use our Platform, include the following:
I. INFORMATION YOU PROVIDE TO US
We collect information You provide to Us which includes:
a. General Personal Data
This includes but is not limited to name, residential address, place and date of birth, marital status, occupation, National Identity Number (NIK), telephone or cellphone number, email address, username on the Finetiks Platform, photo and nationality.
b. Specific Personal Data
You may provide to Us includes but not limited to Your financial history and every other detail of financial transactions.
c. Supporting Data
i. Access to the camera for the User identification and verification process.
ii. Access to the gallery to upload documents stored in Your gallery for the purposes of the Service.
iii. Your mobile phone number for sending OTP (One-Time Password) for verification as a user.
II. INFORMATION WE COLLECT AUTOMATICALLY
We collect information about You and Your interactions, use, and experiences with Our Platform, as well as information regarding Your network, network devices, and the mobile devices you might use to access Our Platform. This information includes:
a. Log and Usage Data
Service-related, diagnostic, usage and performance information, including but not limited to Internet Protocol (IP) address, browser type and settings, and information about User activity in the Platform.
b. Mobile Device Data
Information about the User’s computer, phone, tablet or other device used to access the Platform, including but not limited to device and application identification numbers, location, and hardware model internet service provider or mobile carrier, mobile device ID, model, manufacturer, etc.
III. INFORMATION WE OBTAIN FROM THIRD PARTIES
You hereby agree that We can obtain, process, and analyze Your financial data from the results of the integration of third-party electronic systems that describe including but not limited to details of transactions, funds, invoices, investments, debts, and so on that may be provided by You to Us for the purpose of providing Our Services to You.
All personal data provided by the User to Us or automatically collected when the User access the Platform shall be stored in the secured electronic media storage. Your personal data is processed by Our servers located in Jakarta, Indonesia. Our web maintenance and operation team, and our technical team, are located in Indonesia.
By delivering the personal data to the Platform, the User approves the data transfer, storage, and processing that occurs on Our Platform. We will take reasonable steps to ensure that the personal data is treated securely and pursuant to the Privacy Policy as well as the prevailing laws and regulations.
CAN CHILDREN USE FINETIKS SERVICES?
When registering to become a Finetiks Platform User, User under the age of 18 years old, must attach parental and/or legal guardian consent to be able to use Our Services. In addition, We will limit the access for User under the age of 18 years old to the Finetiks Platform in terms of connecting them to third party sites which are financial service institutions and/or non-financial service institutions. All forms of access for User under the age of 18 years old and/or recommendations from Us to them are limited to products and/or Services for minors.Please contact Us at support@finetiks.com, if You have further inquiries regarding the use of Finetiks Services by minors.
ARE THERE SPECIAL MEASURES IN DATA PROCESSING FOR INDIVIDUALS WITH DISABILITIES?
In particular, We will process the personal data of User with special needs through communication in a certain way according to the needs of people with disabilities as regulated in Law Number 8 of 2016 concerning Persons with Disabilities.In processing data, persons with disabilities can act for themselves or be represented by their guardians.If You are a person with disability and need help to use Your rights as a Data Subject, please do not hesitate to contact Us at support@finetiks.com. The process will take up to 20 (twenty) business days from the date of Your submission.
HOW DOES FINETIKS COLLECT YOUR PERSONAL DATA?
Your personal data will be collected and stored, directly or indirectly, when:
a. You enter Finetiks Platform;
b. You disclose to Us;
c. any authorized persons related to You or appointed by You (including but not limited to Your spouse or family member) discloses to Us; and
d. from the results of integration of third party’s electronic system.
HOW WILL FINETIKS USE YOUR PERSONAL DATA?
Finetiks uses personal data to power Our Services, to process Your transactions, to communicate with You, for security and fraud prevention, and to comply with law. We may also use personal data for other purposes with Your consent.
We may process Your personal data when We have a valid legal basis to do so. For example, We use such information to:
a. To identify and register You as a User and to administer, verify, deactivate or manage Your account;
b. To identify and verify before We provide Services to You or before We register You as a User, in this case including carrying out the Know Your Customer (KYC) process;
c. To communicate with You concerning Our Service so that We can send You news about Finetiks, details about Our new features, special offers, promotional announcements, consumer surveys, and to assist You with operational requests such as password reset requests. These communication may be by various methods, such as email, push notifications, text message, etc.
d. To administer prize draws and competitions;
e. To comply with Your legal obligations;
f. To deliver and facilitate delivery of Services to Users;
g. To deliver targeted advertising to Users;
h. To determine the effectiveness of promotional campaigns;
i. To enable User-to-User communications;
j. To evaluate and improve Your Services, products, marketing, and User experience;
k. To identify usage trends;
l. To respond to User inquiries/offer support to Users;
m. To send administrative information to Users; and
n. To send Users marketing and promotional communications.
HOW LONG DOES FINETIKS RETAIN YOUR PERSONAL DATA?
We will retain Your personal data as long as Your account is active and We will not retain Your personal data longer than necessary unless We are required by law.
We will delete Your personal data if You decide to exercise Your subject data rights as provided in this Privacy Policy or if You decide not to become a Finetiks Platform User by deleting Your account.
Since Your request for deletion of Your personal data and/or since You deleted Your account in Finetiks Platform, Your personal data will be stored for at least 5 (five) years based on the laws and regulations in Indonesia.
DOES FINETIKS TRANSFER YOUR PERSONAL DATA ABROAD?
Our operations are supported by a network of computers, cloud-based servers, other infrastructure, and information technology, including but not limited to, third-party service providers.
There is a possibility where the parties above may be established in jurisdictions outside Indonesia. Whenever We transfer Your personal data, We will only transfer that personal data to countries that have been deemed to provide an adequate level of protection for personal data. If these countries do not provide adequate protection, then We will make certain contracts that are agreed upon by both parties and in accordance with the applicable laws and regulations.
We may transfer Your personal data to be processed by personal data processors in other countries for the purposes of data processing as stated in this Privacy Policy.
HOW DOES FINETIKS DISCLOSE YOUR COLLECTED PERSONAL DATA?
We will follow legal provisions and regulations strictly, and will take strict and secure protective measures to protect Your personal data in accordance with this Privacy Policy. Only where reasonably necessary will We disclose Your personal data. Situations where this occur are:
a. To perform or provide Our Services to You;
b. We may disclose Your personal data to vendors, consultants, firms, research institutes, or other similar service providers to conduct marketing activities to improve the quality of Our Services to You;
c. We may provide Your personal data to Our subsidiaries and/or affiliates to support the provision of Services or perform data processing for and on Our behalf;
d. In connection with merger, separation, acquisition, consolidation, or dissolution (“Corporate Action”) that We carry out to other parties involved in the Corporate Action. For the avoidance of doubt, if a change occurs in Our business, then any personal data of existing User that have been received, processed, and stored by Us and future User data will then be transferred to the new owner which may use Your personal data in the same way as set out in this Privacy Policy.
e. We disclose the User's personal data to fulfill legal obligations as required or permitted by applicable laws and regulations and/or if there is a valid request from law enforcement officers or an authorized state official.
f. Disclosure of Your personal data will be disclosed including but not limited to cloud computing services, data analytics services, data storage service providers, sales and marketing tools, User account registration and authentication services and/or website hosting service providers.
We ensure its confidential nature and impose strict restrictions on how third parties can use and disclose the personal data that We provide other than the purposes agreed in this Privacy Policy, and all handling of the personal data provided to these third parties must comply with the PDP Law in Indonesia.
NOTIFICATIONS FROM FINETIKS IF CORPORATE ACTION OCCURRED
If We decide to take Corporate Action, You will be notified before and after the Corporate Action through email and/or a clear notification on the Finetiks Platform, because We believe it is necessary to protect Your legal rights.
WHAT ARE YOUR RIGHTS AS A FINETIKS USER?
By using Finetiks Platform, You have legal rights in relation to the personal data We hold about You. In particular, You may exercise the rights available to You under PDP Law in Indonesia as follows:
a. If You want to use Your rights to update, correct, access or request deletion of Your personal data, You can do so at any time by contacting Us using the contact details below.
b. If We have collected and processed Your personal data with Your consent, then You can withdraw Your consent at any time. Withdrawing Your consent will not affect the lawfulness of any processing We conducted prior to Your withdrawal.
c. You have the right to object and/or restrict the processing of personal data. You can ask Us to restrict the processing of Your personal data or request portability of Your personal data by contacting Us using the contact details provided below.
d. You have the right to complain to a data protection authority regarding the processing of personal data which causes the failure of the protection of Your personal data by Us.
As above mentioned, if You would like to use Your rights, please contact Us at support@finetiks.com. The process will take up to 20 (twenty) business days from the date of Your submission.
FINETIKS REFUSAL FOR GIVING ACCESS TO YOUR PERSONAL DATA
Subject to PDP Law in Indonesia and for general welfare of the community, We may refuse to grant access to changes to Your personal data, if: (i) Endanger the safety, physical health, or Your mental health and/or others; (ii) Impact on the disclosure of other people's personal data; and/or (iii) Contrary to the interests of national defence and security.
LINKS TO OTHER SITES
Our Services may direct You to third-party content or services that are not operated by Us. They may or may not have their own published privacy policies. When You leave Our Services by clicking such links, We strongly advise You to review the privacy policy of every site You visit before providing any personal data. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
NOTIFICATION FROM FINETIKS IF THERE IS A FAILURE TO PROTECT YOUR PERSONAL DATA
We will notify You by means of written notification through the account and/or email address registered on the Finetiks Platform if there is a failure to protect Your personal data from Our Platform no later than 3x24 (three times twenty four) hours after the failure to protect personal data occurs.
CHANGES TO FINETIKS’S PRIVACY POLICY
We will update this Privacy Policy from time to time in response to the changing legal, regulatory or operational requirements. Therefore, We encourage You to regularly review the sufficiency of this Privacy Policy.
Any changes to this Privacy Policy, will be published on the Platform. If You do not agree to the updated Privacy Policy, You must stop accessing the Platform or using the Services. Otherwise, You will be deemed to agree and further be subject to such updated Privacy Policy.
The last changes, amendments, supplements or modifications to this Privacy Policy are made on the date referred to in the “last updated on” information above.
APPLICABLE LANGUAGE
We make this Privacy Policy in two versions which are Indonesian and English versions. In the event of any inconsistency or different interpretation between the Indonesian and English version, You hereby agree that the Indonesian version will prevail to the extent of such inconsistency or conflict, and the relevant English version is deemed to be automatically amended to be consistent with the relevant part of the Indonesian version.
PREVAILING LAW
This Privacy Policy and its implementation are made and comply with the laws and regulations in force in the Republic of Indonesia.
DISPUTE RESOLUTION
If there is a dispute between Finetiks and the User, then the dispute resolution method will be subject to the "Dispute Resolution" provisions in the Term of Use of Finetiks.
