Terms and Conditions of Site and Application Usage:
Welcome to Cairin. Thank you for visiting Cairin Site and/or Application. Before accessing and/or using the Services on the Cairin Site and/or Application, make sure you read carefully and carefully the Terms and Conditions of Use for the Cairin Site and Application (“Terms and Conditions”) on this page.
By clicking, accessing and/or using the Services on the Cairin Site and/or Application, you agree in writing that you have read, understood, accepted and agreed to these Terms and Conditions and agree to be legally bound by these Terms and Conditions and other documents related to the explanations contained in the Site and/or Application. If you do not agree to these Terms and Conditions, please DO NOT access and use the Services on the Cairin Site and Application.
We can change these Terms and Conditions at any time without prior notification. Decisions taken based on these Terms and Conditions are absolute and cannot be contested. We encourage you to frequently review these Terms and Conditions for updates. If you do not agree to the updated Terms and Conditions, you must stop accessing or using the Services. Otherwise, you will be deemed to have agreed and will be subject to the updated Terms and Conditions.
By accepting these Terms and Conditions, you agree that these Terms and Conditions are legally binding on you as if this agreement was signed and made in writing by you.
1. DEFINITION AND INTERPRETATION
In these Terms and Conditions, unless expressly stated otherwise, the following expressions have the following meanings:
“You” is every prospective Lender, prospective Borrower, Borrower, Lender or user who uses the Cairin Site and/or Application Services.
“Application” means the Cairin mobile application for Android and IOS applications operated and owned by us.
“Cookie” means a file used by Cairin servers to identify your computer.
“FAQ” means Frequently Asked Questions on the Cairin Site.
“Service” means the Information Technology-Based Co-Funding Services through the Site and Application that brings together Lender and Borrower which organized by Cairin.
“E-mail Service” means the e-mail service that we provide to you, which can be accessed by sending an e-mail to email@example.com.
“Live Chat Services” means the live chat services we provide to you, which can be accessed through our Site.
“Telephone Service” means the telephone service that we provide to you, which can be accessed by calling 021 - 24163377.
“OJK” means the Financial Services Authority of the Republic of Indonesia.
“Lender” means a company, institution or individual who places funds on Cairin account and to be distributed as a loan to the Borrower through the Site and/or Application.
“Borrower” means an individual who is an Indonesian citizen.
“Force Majeure Event” is an event when a condition or event beyond the reasonable control of a party affects the general public in that party's country or territory, and which results in the party being unable to comply or perform its obligations in a timely manner under these Terms and Conditions. Such circumstances or events include industrial action or labor disputes, civil unrest, war or threat of war, criminal or terrorist acts, governmental acts or regulations, telecommunications or utility failures, power outages, fires, explosions, natural physical disasters, epidemics, quarantine restrictions, and non-functioning of public transportation.
“Site” means the website www.cairin.id, including all domains and sub-domains operated and owned by us.
“Cairin” or “We” means PT Idana Solusi Sejahtera which established under the laws of the Republic of Indonesia as a service provider.
2.1 The services contained in this Site and/or Application are intended for and used by:
(a) the individual user is at least 21 years old and has the legal capacity, rights, power and authority necessary to agree to these Terms and Conditions; And
(b) individual users who are Indonesian citizens. Cairin may based on certain considerations provide consent to those of you who are under 21 years of age.
2.2 You will use the Services available on the Site and/or Application only for lawful purposes and not contrary to the law.
2.3 All information, including but not limited to personal data that you provide is accurate and correct.
2.4 The loan limit via the Application can be made in the amount of IDR 100,000 (One Hundred Thousand Rupiah) to IDR 20,000,000 (Twenty Million Rupiah), however if the prospective Borrower meets certain requirements, we add a larger loan limit in accordance with other applicable terms and conditions, especially taking into account the funding facility limits which are adjusted to your ability to carry out transactions.
2.5 Cairin does not charge any fees in connection with applications made by prospective Borrower to apply for loans.
2.6 Cairin has the right to conduct due diligence on potential Borrower. While this process is going on, Cairin will contact relevant institutions, companies or individuals to seek information, verify and confirm information regarding prospective Borrower, including (but not limited to) historical legal and credit records. Prospective Borrower must provide permission and authority to Cairin to do these things.
3. MATTERS RELATED TO PERSONAL DATA
You hereby agree that Cairin can collect, store, process, disclose information, access, review, and/or use personal data (including sensitive personal information) about you, whether obtained through you or through other sources in accordance with the law, includes but is not limited to accessing the camera, location and microphone on your device.
We ensure that all personal data sent by you via the Site and/or Application is properly protected and encrypted, including but not limited to the use of available SSL/TLS technology.
Cairin agrees to keep all personal data confidential and not to use such personal data for any purpose other than to provide loan facilities. However, this does not apply to:
(i) preventing acts of fraud and/or matters relating to anti-money laundering and criminal acts of terrorism.
(ii) personal data that is generally known to the public and is not yet known through any violation of applicable law;
(iii) the personal data was obtained legally by Cairin without violating confidentiality from other sources;
(iv) the personal data is required to be disclosed by law, government or authorized institutions under existing regulations;
(v) the personal data is disclosed in the course of any litigation; or
(vi) people acting as attorneys, colleagues or any third party authorized by us in accordance with legal provisions.
(vii) matters that are required based on statutory regulations.
By using the Services and accessing the Site and/or Application, you understand and agree that all forms of communication from Cairin regarding the Services to you via the Site and/or Application will be provided electronically either by e-mail, telephone or published via the Site and/or Application.
You agree to receive all documents, notices and agreements electronically arising from the use of Services through the Site and/or Application, including for Services as Lender or Borrower. All approval from you to every electronic document, notification and agreement arising from the use of Services via the Site and/or Application is given by electronic signature and is fully responsible and binding on you as a user of Services via the Site and/or Application, both rights and obligations arising from the agreement.
4. ACCURACY OF PERSONAL DATA
4.1 You agree that by accessing the Site and/or Application and using the Services, you guarantee the authenticity and accuracy of the personal data that you provide through the Site and/or Application. The Personal Data you provide is true, accurate, complete, up-to-date and not misleading. For any falsification of documents or other criminal acts committed by you, Cairin can take legal action including processing the action to the competent authorities.
4.2 You understand that you have an obligation to always:
(a) update and inform Cairin of any personal data that undergoes changes, immediately after such changes; And
(b) safeguard your password and personal data;
4.3 If Cairin discovers, either immediately or at a later date, that the personal data you have provided to Cairin is untrue, suspected to be false and/or inaccurate, then Cairin has the right to block your access to the Site and Application. You will be fully responsible for any damage and loss that has arisen or will arise, both material and immaterial, due to any inaccuracies in the personal data that you provide.
5. COOKIES POLICY
6. MATTERS RELATED TO INTELLECTUAL PROPERTY
6.1 The intellectual property rights of this Site and/or Application, including, but not limited to, copyright, patent rights, including trademarks for and in the name of Cairin are fully owned by and become permanent assets of Cairin.
6.2 You are permitted to view and copy-print on paper the content provided on the Site and Application, however:
(a) all such copies are the intellectual property rights of Cairin and third parties to whom we have licensed; and
(b) You do not alter in any way the paper copies of the printed materials, including the removal of any copyright or other proprietary notices contained in the Site and/or Application.
6.3 You agree not to use any part of this Site and Application to:
(a) insert or intentionally or unintentionally transmit or distribute viruses, worms, trojan horses, time bombs, trap doors or other computer code, files or programs or make repeated requests designed to interrupt, damage or limit the functionality of the software, or computer hardware, or telecommunications equipment, or to reduce the quality of, interfere with the appearance of, or damage the functionality of this Site and Application;
(b) upload, post, e-mail or otherwise receive, or attach links to any content that facilitates data hacking;
(c) hack anything that is part of this Site and Application;
(d) upload, e-mail, or post links to any content that violates the intellectual property rights of any third party;
(e) circumvent or attempt to circumvent, any security measures of the Site and Application;
(f) allow any third party to do any of the above;
(g) if you use content from this Site and Application but fail to comply with these requirements, then your right to use this Site and Application will immediately disappear;
(h) no links from other sites on this Site and Application may enter without our prior written permission. You have no right to name, modify, or redistribute the content of this Site and Application without our permission.
7. OTHER APPLICABLE DOCUMENTS
7.1 In addition to these Terms and Conditions, the following also applies to your use of the Services via the Cairin Site and Application:
(a) Loan Terms and Conditions; And
(b) Other agreements with Cairin that will govern your use of the Services.
7.2 If there is a conflict between these Terms and Conditions and any other agreement that applies to specific aspects of the Services, that other agreement applies in relation to the specific aspects of the Services to which that agreement applies.
8. CHANGES TO TERMS AND CONDITIONS
8.1 Cairin reserves the right to change the General Terms and Conditions at its own discretion from time to time. Any changes to these Terms and Conditions will apply immediately after Cairin includes them on the Site and/or Application.
8.2 You understand and agree that when you continue to use the Services through the Site and/or Application after changes to these Terms and Conditions are made, you are subject to and bound by the new Terms and Conditions.
If any term or condition in these Terms and Conditions in whole or in part is declared to any extent to be invalid or unenforceable based on laws or legal regulations, that term or condition or part to that extent is deemed not to be part of the Terms and Conditions and the applicability of any other terms and conditions in the Terms and Conditions will not be affected. Cairin's failure to exercise or enforce any right or provision of these Terms and Conditions does not constitute a waiver of that right or provision in that or any other circumstances.
10. LIMITATION OF LIABILITY
10.1 Cairin or its employees are not responsible and have no right to provide compensation and if there is a violation of these Terms and Conditions, Loan Terms and Conditions, or other Agreements with Cairin that will regulate your use of the Services, which is caused by you.
10.2 You need to know that messages sent via an internet connection cannot be guaranteed to be completely secure and may be delayed, lost or changed. We are not responsible for messages that are lost, altered by third parties, or suppressed and we are not materially responsible to you or anyone else for damage or anything else in connection with messages sent by you to us or us to you via an internet connection.
11. FORCE MAJEURE EVENTS
Neither party shall be responsible for any failure to carry out its obligations under these Terms and Conditions if such failure is caused by a Force Majeure events. Always provided that if possible, the affected party will continue to carry out the obligation as soon as the Force Majeure event that caused the failure ceases or subsides.
You agree to release, discharge and indemnify Cairin, its affiliates, shareholders, directors, commissioners, employees, subcontractors, suppliers, agents from and for all forms of demands, lawsuits, claims, losses, damages, including legal consultant fees, caused by your violation of these Terms and Conditions and other provisions stipulated by Cairin.
13. COLLECTION MECHANISM
Cairin has the right to take all necessary actions in accordance with applicable provisions, including in carrying out billing either internally at Cairin, together with the Lender, or appointing a competent third party to carry out collection activities for Borrower in accordance with applicable law if the Borrower failed to make payments on all of his obligations in connection with his loan application. You need to know that based on your written agreement to these Terms and Conditions, the collection of Borrower’s loan via the Cairin Application is carried out by the Cairin team on Monday to Sunday including national holidays from 08.00 – 20.00 local time at the billing address or domicile of Borrower as provided via the Cairin Application.
14. RISK MITIGATION
You need to know that the risk mitigation that Cairin can do when there is a default in a Borrower’s loan application is by:
(a) carry out risk analysis submitted by the Borrower;
(b) verify the identity and authenticity of the documents of prospective Borrower and prospective Lender;
(c) carry out reasonable collection in accordance with Article 13 in this Terms and Conditions;
(d) facilitate the transfer of funding risk; And
You agree that in the event of a violation by you of the provisions of these Terms and Conditions or of applicable law, Cairin can unilaterally and without prior notification delete your account on the Site and Application, limit your access to the Site and Application, terminate Service to you. You agree that all losses, whether material or immaterial, arising from deletion of your account and/or restriction of access as referred to above are entirely your responsibility.
16. APPLICABLE LAW AND DISPUTE RESOLUTION
These Terms and Conditions and any other non-contractual obligations arising from or in connection with them are governed by the laws of the Republic of Indonesia.
You agree that any legal action or dispute that may arise in connection with the use of the Site and Application will be resolved and decided finally at the South Jakarta District Court.
17. CONTACT US
For further information, you can visit our FAQ page or contact us via telephone service at 021 - 24163377, live chat service or e-mail service at firstname.lastname@example.org