PT Finetiks Inovasi Indonesia (hereinafter “Finetiks”, the “Company”, “We” or “Us” or “Our”) is a company providing for our users (“User”, “You”, “Your”, “I”, “Me”) to get an assessment and recommendations to improve your financial habits.
These Terms of Use incorporate and should be read in conjunction with Our Privacy Policy. You understand and agree that these Terms of Use is an integral part of the Privacy Policy.
We are entitled to change, modify, supplement or otherwise amend this Terms of Use from time to time without the prior notification of our Users, and any of such changes will be shown on this page. By continuing to use Platform after such changes, modifications, supplements and/or amendments to the Terms of Use, you are deemed to agree to such changes, modifications, supplements, and/or amendments. We advise you to periodically review and check for any changes, modifications, supplements and/or amendments of this Terms of Use.
The last changes, amendments, supplements or modifications to this Terms of Use are made on the date referred to in the “last updated on” information above.
ACCEPTANCE OF THIS TERMS OF USE
By using, visiting, accessing or viewing the Platform, You agree that You have read, understand, agree and comply with these Terms of Use and our Privacy Policy including any changes, modifications, additions and/or amendments from time to time.
You understand, agree and acknowledge that these Terms of Use constitute a legally binding agreement between You and Finetiks and that Your use of the Platform will indicate Your agreement of these Terms of Use.
We may release new services, devices and features on the Platform from time to time. Your use of each of Our new services will be governed by these Terms of Use from the time the new services become available.
If You do not agree with these Terms of Use, You must stop accessing or using the Platform. You agree and promise to deactivate or delete your account from the Platform by using the features available on the Platform if you do not agree with these Terms of Use.
This Terms of Use is made to govern the Services that We provide as defined below:
1. Definitions
Except to the extent expressly provided otherwise, in this Terms of Use:
User’s Access shall mean PIN, passwords, security questions and answers, logins and any other information that allows You to access information or Services in the Platform.
Account Data shall mean the data contained in Your account including the personal data You provide to Us and the financial data from your Financial Data Sources.
Losses shall mean any losses, claims, damages, fault, malpractice, negligence, liabilities, obligations, penalties, judgments, arbitration awards, suits, proceedings, and investigation.
Services shall mean the services provided by Us to You through the Platforms as provided in Clause 2 a.
“Payment Service Provider” means a third-party payment service provider who cooperates with Us to process, transmit, and facilitate payment methods on the Platform.
Platform(s) shall mean any application, platform digital, website, social media, partner platforms, or any such other platform with the “Finetiks” brand in any form maintained and operated by Us.
Dispute shall mean any conflict, controversy, or discrepancy in this Terms of Use and Privacy Policy.
Financial Data Source(s) means any financial data on Your financial service provider network which will be integrated with the Platform including but not limited to bank transactions, credit cards, electronic money, electronic wallets, debit cards and deposits that you provide to us in the context of providing services.
2. Our Service(s)
a. Service(s)
We provide You with an overview of Your financial position in which we specifically personalize such insights automatically from Your Financial Data Source and Your actual transactions which then allows You to capture budgeting plans, savings and investments that can be made, protected and dynamically monitored by You.
b. Term of Service(s)
For the purposes of providing the Service, You agree to voluntarily provide Us with the financial data from Your Financial Data Source(s) that You provide independently and processing Your actual transaction data.
You may also carry out changes and update to Your financial data, by submitting such data directly through the Platform.
We hereby grants You a worldwide, non-exclusive, non-transferable right to access and use Platform for the purpose of receiving the Services.
User’s use and access of Platform is subject to any applicable restrictions that may be imposed by Finetiks from time to time, be it by amendment to this Terms of Use, or any other policies that Finetiks is implementing in the future. Therefore, You are advised to check regularly, to allow You to receive the most updated version of this Terms of Use.
User shall maintain and must not share User’s Access, to anyone else, and shall prevent unauthorized access or usage of information, file, or data that You save or use on or with the Services. You are hereby responsible for any communication made through your account accessed using the User’s Access.
In order to support the provision of Services, we, as a provider of Financial Sector Technology Innovation in the cluster of Financial Services Product and Information Aggregation, may offer financial products that are interesting and beneficial for User through Platform. These products may result from collaborations with financial institutions, both banks and non-banks. Each product offered through Our Platform has its own terms and conditions. Therefore, We encourage every User to pay attention to the terms and conditions of each product before choosing to use the products that We recommend and managed by financial service institutions, either banks or non-banks, that collaborate with Us.
We understand that to use the product, there will be a transfer of Your personal data to third parties. Therefore, We ensure that any transfer of Your personal data to these third parties has obtained your prior consent before We can transfer Your personal data to them. This is a form of Our concern for Your personal data and Our commitment to compliance with the provisions of personal data processing in accordance with the prevailing Personal Data Protection Law in Indonesia.
3. Restriction & Liability
Restrictions and liability applicable for theprovision of Services are as follows:
a. We try Our best effort to ensure that the information on the Platform is correct and error free at all times. Despite Our best efforts, We cannot warrant that the Platform will always be error free and that use of it will be fit for purpose, timely and that defects will be corrected, and that that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the Platform and we do not make any warranty whatsoever, whether express or implied, relating to fitness for purpose, or accuracy.
b. The provision of Services by Finetiks to the User is not intended to create, and does not constitute, consultancy relationship or such other similar relationship between User with Finetiks or any person or entity connected with Finetiks. The Services are not to be used as a substitute for competent legal, financial or other professional advice. To the extent permitted by law, Users hereby agree to indemnify and hold harmless Finetiks, including but not limited to its shareholders, directors, commissioners, employees, and/or advisors, from and against any and all Losses in connection with the provision of Services.
c. To the extent permitted by law, Finetiks is not responsible, either directly or indirectly, for the accuracy of the financial data you provide from Financial Data Sources.
d. You agree to immediately notify Us if You become aware of any loss, theft, or unauthorized use of User’s Access. We are entitled to reject Your access to Our Services (or any part of it) if We reasonably believe that You have suffered loss, theft or unauthorized usage of the User’s Access, to allow Us to rectify such matter. You hereby indemnify Us against any Losses in relation to such matter.
e. You hereby acknowledge and agree that We and the appointed third-party shall have the authority to combine the User’s Account Data with data from other persons for data analytic purposes, view insights at the aggregate level such as seeing the average age of Platform Users, gender of Platform Users etc., to the extent permitted by laws and regulations. However, such data will not be directly identified to You or any individuals, for the purpose of certain analytical research, tracking of performance and comparison, and any other matters with the purpose of enhancing customer experience and Services, as well as solving problems and technical support.
f. In the event that there is a commercial advertisement that is affiliated with another party’s electronic systems which available on the Platform, then you agree to release Finetiks from any responsibility for any actions that you take based on your discretion to access, register and use of services on the other party's electronic system. We recommend You to check the terms of use and the privacy policy of the other party’s electronic system.
g. You understand that the results of recommendations and assessments of your financial position may be different with the results of assessments or recommendations provided by another similar service providers.
h. Any Service provided by Us will not include providing Services that fall within the scope of Payment Service Provider, including activities such as account information services, payment initiation and/or acquiring services, account information services, and/or remittance services. We ensure that any Payment Service Provider activities will be conducted by an authorized third party. For avoidance of doubt, any process and activity of Payment Service Provider is the authority and responsibility of such Payment Service Provider.
4. Service Fee
You may obtain the Service for free by Us. However, We reserve Our right to charge fees for the Service in the future.
If and when there is a fee charged for the Services We perform, We will charge You a payment in advance before We can provide the Service to You.
In the event of the fee has been made available on Our Platform, We may cooperate with Payment Service Providers in facilitating payments made on the Platform. By submitting Your payment information on the Platform, You consent to Us providing that information to Payment Service Providers to facilitate payments. You acknowledge and understand that You may become subject to additional terms and conditions applicable to the relevant Payment Service Provider, and We advise You to review and examine the terms and conditions of the relevant Payment Service Provider. You acknowledge and understand that Payment Service Providers may experience unintended technical failures, problems or interruptions in forwarding, processing or transmitting payments made by You to Your bank account or electronic wallet account. In such circumstances, You agree and promise not to make any claim or claim against Us for, any and all damages and losses (including but not limited to loss of money, reputation, profits or other intangible losses) that may arise directly or indirectly due to the failure, problem or technical problem of the Payment Service Provider.
5. Prohibition of Use
You agree not to use, or attempt to use the Platform for any purpose that is unlawful or prohibited by these Terms of Use or any applicable laws and regulations, including but not limited to:
a. create and/or use any hardware, software, features, and/or other devices for the purpose of manipulating the Platform system or making copies of the Platform or part of the Platform, including manipulation of (i) Content, (ii) crawling/ scraping); (iii) other activities that can reasonably be considered as manipulative actions against the Platform system;
b. abuse or interfere with the operation of the Platform or the servers or networks connected to the Platform, including installing, transmitting, transmitting, uploading, or otherwise making available any material that contains software viruses, worms, or other computer code, documents or programs designed to interfere with, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
c. collect or store personal data about other Platform Users in connection with prohibited behavior and activities set out in these Terms of Use;
d. impersonate any person or entity, falsely state or misrepresent Your affiliation with any person or entity;
e. remove any copyright, trademark, or other intellectual property rights notices from the Platform; and
f. received unauthorized access to any part or feature of the Platform, including taking any action that has a negative impact or causes inconvenience to other Users.
6. Governing Law and Dispute Settlement
a. This Terms of Use and the provision of the Services are governed by and construed in accordance with the laws of Indonesia.
b. The parties agree that in the event of any Dispute, arising out of or in relation to this Terms of Use or its performance, the parties will attempt for a period of 30 (thirty) business days after the receipt of a written notice by one of the Party to the other Party on the existence of the Dispute, endeavor to settle the Dispute amicably between the Parties.
c. If within the period as stipulated above, the parties are unable to settle the Dispute amicably, such Dispute shall be referred to and settled by South Jakarta District Court.
7. Language
This Terms of Use is made bilingual, in Indonesian and English. In the event of any inconsistency or different interpretation in this Terms of Use between the Indonesian and the English version, You 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.
8. Severability
If any provision of this Terms of Use or the application thereof to any situation or circumstance shall be invalid or unenforceable, the remainder of this Terms of Use shall not be affected, and each remaining provisions shall be valid and enforceable to the fullest extent.
9. Entire Agreement
This Terms of Use constitutes the entire agreement between You and with respect to the subject matter of these terms and conditions and supersede and replace any prior version of this Terms of Use.
You may be subject to additional terms and conditions when You use, purchase or access other services, affiliate services or third-party content or material.
10. Notification
We may send receipts, invoices, notifications, newsletters, promotions, alerts and other information through Your registered phone number and/or email address and/or send you a push notification through the Platform in your mobile device. You may opt-out of receiving messages at any time by changing Your preferences and settings on Your account. You acknowledge that opting out of receiving messages and/or any information may impact Your use of the Platform. Nevertheless, you may not opt to choose to not receive certain messages relating to Our Service that we deemed necessary for You.
CONTACT US
If You have any questions regarding this Terms, please contact Us at support@finetiks.com.PT Finetiks Inovasi Indonesia (untuk selanjutnya, “
These Terms of Use incorporate and should be read in conjunction with Our Privacy Policy. You understand and agree that these Terms of Use is an integral part of the Privacy Policy.
We are entitled to change, modify, supplement or otherwise amend this Terms of Use from time to time without the prior notification of our Users, and any of such changes will be shown on this page. By continuing to use Platform after such changes, modifications, supplements and/or amendments to the Terms of Use, you are deemed to agree to such changes, modifications, supplements, and/or amendments. We advise you to periodically review and check for any changes, modifications, supplements and/or amendments of this Terms of Use.
The last changes, amendments, supplements or modifications to this Terms of Use are made on the date referred to in the “last updated on” information above.
ACCEPTANCE OF THIS TERMS OF USE
By using, visiting, accessing or viewing the Platform, You agree that You have read, understand, agree and comply with these Terms of Use and our Privacy Policy including any changes, modifications, additions and/or amendments from time to time.
You understand, agree and acknowledge that these Terms of Use constitute a legally binding agreement between You and Finetiks and that Your use of the Platform will indicate Your agreement of these Terms of Use.
We may release new services, devices and features on the Platform from time to time. Your use of each of Our new services will be governed by these Terms of Use from the time the new services become available.
If You do not agree with these Terms of Use, You must stop accessing or using the Platform. You agree and promise to deactivate or delete your account from the Platform by using the features available on the Platform if you do not agree with these Terms of Use.
This Terms of Use is made to govern the Services that We provide as defined below:
1. Definitions
Except to the extent expressly provided otherwise, in this Terms of Use:
User’s Access shall mean PIN, passwords, security questions and answers, logins and any other information that allows You to access information or Services in the Platform.
Account Data shall mean the data contained in Your account including the personal data You provide to Us and the financial data from your Financial Data Sources.
Losses shall mean any losses, claims, damages, fault, malpractice, negligence, liabilities, obligations, penalties, judgments, arbitration awards, suits, proceedings, and investigation.
Services shall mean the services provided by Us to You through the Platforms as provided in Clause 2 a.
“Payment Service Provider” means a third-party payment service provider who cooperates with Us to process, transmit, and facilitate payment methods on the Platform.
Platform(s) shall mean any application, platform digital, website, social media, partner platforms, or any such other platform with the “Finetiks” brand in any form maintained and operated by Us.
Dispute shall mean any conflict, controversy, or discrepancy in this Terms of Use and Privacy Policy.
Financial Data Source(s) means any financial data on Your financial service provider network which will be integrated with the Platform including but not limited to bank transactions, credit cards, electronic money, electronic wallets, debit cards and deposits that you provide to us in the context of providing services.
2. Our Service(s)
a. Service(s)
We provide You with an overview of Your financial position in which we specifically personalize such insights automatically from Your Financial Data Source and Your actual transactions which then allows You to capture budgeting plans, savings and investments that can be made, protected and dynamically monitored by You.
b. Term of Service(s)
For the purposes of providing the Service, You agree to voluntarily provide Us with the financial data from Your Financial Data Source(s) that You provide independently and processing Your actual transaction data.
You may also carry out changes and update to Your financial data, by submitting such data directly through the Platform.
We hereby grants You a worldwide, non-exclusive, non-transferable right to access and use Platform for the purpose of receiving the Services.
User’s use and access of Platform is subject to any applicable restrictions that may be imposed by Finetiks from time to time, be it by amendment to this Terms of Use, or any other policies that Finetiks is implementing in the future. Therefore, You are advised to check regularly, to allow You to receive the most updated version of this Terms of Use.
User shall maintain and must not share User’s Access, to anyone else, and shall prevent unauthorized access or usage of information, file, or data that You save or use on or with the Services. You are hereby responsible for any communication made through your account accessed using the User’s Access.
In order to support the provision of Services, we, as a provider of Financial Sector Technology Innovation in the cluster of Financial Services Product and Information Aggregation, may offer financial products that are interesting and beneficial for User through Platform. These products may result from collaborations with financial institutions, both banks and non-banks. Each product offered through Our Platform has its own terms and conditions. Therefore, We encourage every User to pay attention to the terms and conditions of each product before choosing to use the products that We recommend and managed by financial service institutions, either banks or non-banks, that collaborate with Us.
We understand that to use the product, there will be a transfer of Your personal data to third parties. Therefore, We ensure that any transfer of Your personal data to these third parties has obtained your prior consent before We can transfer Your personal data to them. This is a form of Our concern for Your personal data and Our commitment to compliance with the provisions of personal data processing in accordance with the prevailing Personal Data Protection Law in Indonesia.
3. Restriction & Liability
Restrictions and liability applicable for theprovision of Services are as follows:
a. We try Our best effort to ensure that the information on the Platform is correct and error free at all times. Despite Our best efforts, We cannot warrant that the Platform will always be error free and that use of it will be fit for purpose, timely and that defects will be corrected, and that that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the Platform and we do not make any warranty whatsoever, whether express or implied, relating to fitness for purpose, or accuracy.
b. The provision of Services by Finetiks to the User is not intended to create, and does not constitute, consultancy relationship or such other similar relationship between User with Finetiks or any person or entity connected with Finetiks. The Services are not to be used as a substitute for competent legal, financial or other professional advice. To the extent permitted by law, Users hereby agree to indemnify and hold harmless Finetiks, including but not limited to its shareholders, directors, commissioners, employees, and/or advisors, from and against any and all Losses in connection with the provision of Services.
c. To the extent permitted by law, Finetiks is not responsible, either directly or indirectly, for the accuracy of the financial data you provide from Financial Data Sources.
d. You agree to immediately notify Us if You become aware of any loss, theft, or unauthorized use of User’s Access. We are entitled to reject Your access to Our Services (or any part of it) if We reasonably believe that You have suffered loss, theft or unauthorized usage of the User’s Access, to allow Us to rectify such matter. You hereby indemnify Us against any Losses in relation to such matter.
e. You hereby acknowledge and agree that We and the appointed third-party shall have the authority to combine the User’s Account Data with data from other persons for data analytic purposes, view insights at the aggregate level such as seeing the average age of Platform Users, gender of Platform Users etc., to the extent permitted by laws and regulations. However, such data will not be directly identified to You or any individuals, for the purpose of certain analytical research, tracking of performance and comparison, and any other matters with the purpose of enhancing customer experience and Services, as well as solving problems and technical support.
f. In the event that there is a commercial advertisement that is affiliated with another party’s electronic systems which available on the Platform, then you agree to release Finetiks from any responsibility for any actions that you take based on your discretion to access, register and use of services on the other party's electronic system. We recommend You to check the terms of use and the privacy policy of the other party’s electronic system.
g. You understand that the results of recommendations and assessments of your financial position may be different with the results of assessments or recommendations provided by another similar service providers.
h. Any Service provided by Us will not include providing Services that fall within the scope of Payment Service Provider, including activities such as account information services, payment initiation and/or acquiring services, account information services, and/or remittance services. We ensure that any Payment Service Provider activities will be conducted by an authorized third party. For avoidance of doubt, any process and activity of Payment Service Provider is the authority and responsibility of such Payment Service Provider.
4. Service Fee
You may obtain the Service for free by Us. However, We reserve Our right to charge fees for the Service in the future.
If and when there is a fee charged for the Services We perform, We will charge You a payment in advance before We can provide the Service to You.
In the event of the fee has been made available on Our Platform, We may cooperate with Payment Service Providers in facilitating payments made on the Platform. By submitting Your payment information on the Platform, You consent to Us providing that information to Payment Service Providers to facilitate payments. You acknowledge and understand that You may become subject to additional terms and conditions applicable to the relevant Payment Service Provider, and We advise You to review and examine the terms and conditions of the relevant Payment Service Provider. You acknowledge and understand that Payment Service Providers may experience unintended technical failures, problems or interruptions in forwarding, processing or transmitting payments made by You to Your bank account or electronic wallet account. In such circumstances, You agree and promise not to make any claim or claim against Us for, any and all damages and losses (including but not limited to loss of money, reputation, profits or other intangible losses) that may arise directly or indirectly due to the failure, problem or technical problem of the Payment Service Provider.
5. Prohibition of Use
You agree not to use, or attempt to use the Platform for any purpose that is unlawful or prohibited by these Terms of Use or any applicable laws and regulations, including but not limited to:
a. create and/or use any hardware, software, features, and/or other devices for the purpose of manipulating the Platform system or making copies of the Platform or part of the Platform, including manipulation of (i) Content, (ii) crawling/ scraping); (iii) other activities that can reasonably be considered as manipulative actions against the Platform system;
b. abuse or interfere with the operation of the Platform or the servers or networks connected to the Platform, including installing, transmitting, transmitting, uploading, or otherwise making available any material that contains software viruses, worms, or other computer code, documents or programs designed to interfere with, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
c. collect or store personal data about other Platform Users in connection with prohibited behavior and activities set out in these Terms of Use;
d. impersonate any person or entity, falsely state or misrepresent Your affiliation with any person or entity;
e. remove any copyright, trademark, or other intellectual property rights notices from the Platform; and
f. received unauthorized access to any part or feature of the Platform, including taking any action that has a negative impact or causes inconvenience to other Users.
6. Governing Law and Dispute Settlement
a. This Terms of Use and the provision of the Services are governed by and construed in accordance with the laws of Indonesia.
b. The parties agree that in the event of any Dispute, arising out of or in relation to this Terms of Use or its performance, the parties will attempt for a period of 30 (thirty) business days after the receipt of a written notice by one of the Party to the other Party on the existence of the Dispute, endeavor to settle the Dispute amicably between the Parties.
c. If within the period as stipulated above, the parties are unable to settle the Dispute amicably, such Dispute shall be referred to and settled by South Jakarta District Court.
7. Language
This Terms of Use is made bilingual, in Indonesian and English. In the event of any inconsistency or different interpretation in this Terms of Use between the Indonesian and the English version, You 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.
8. Severability
If any provision of this Terms of Use or the application thereof to any situation or circumstance shall be invalid or unenforceable, the remainder of this Terms of Use shall not be affected, and each remaining provisions shall be valid and enforceable to the fullest extent.
9. Entire Agreement
This Terms of Use constitutes the entire agreement between You and with respect to the subject matter of these terms and conditions and supersede and replace any prior version of this Terms of Use.
You may be subject to additional terms and conditions when You use, purchase or access other services, affiliate services or third-party content or material.
10. Notification
We may send receipts, invoices, notifications, newsletters, promotions, alerts and other information through Your registered phone number and/or email address and/or send you a push notification through the Platform in your mobile device. You may opt-out of receiving messages at any time by changing Your preferences and settings on Your account. You acknowledge that opting out of receiving messages and/or any information may impact Your use of the Platform. Nevertheless, you may not opt to choose to not receive certain messages relating to Our Service that we deemed necessary for You.
CONTACT US
If You have any questions regarding this Terms, please contact Us at support@finetiks.com.PT Finetiks Inovasi Indonesia (untuk selanjutnya, “
