Diperbarui pada : 2021/7/16


Blok E52, E53 dan E55 Permata Senayan, Rukan, Jl. Tentara Pelajar, RT.1/RW.7, Grogol Utara, Kec. Kby. Lama, Kota Jakarta Selatan Daerah Khusus Ibukota Jakarta 12210

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  • 1. The Information Technology-Based Co-Funding Service is a civil agreement between the Fund Provider and the Fund Recipient, so that all risks arising from the agreement are fully borne by each party.
  • 2. Credit risk or default and all losses resulting from or related to the loan agreement are fully borne by the donor. No state institution or authority is responsible for the risk of default and loss.
  • 3. The Operator with the approval of each User (Funder and/or Fund Recipient) accesses, obtains, stores, manages and/or uses User's personal data ('Utilization of Data') on or in objects, electronic devices (including smartphones or cellular phone), hardware (hardware) or software (software), electronic documents, applications or electronic systems owned by the User or controlled by the User, by notifying the purpose, limitations and mechanism of Utilization of the Data to the User concerned before obtaining the intended approval.
  • 4. Fund givers who do not have the knowledge and experience of lending and borrowing are advised not to use this service.
  • 5. Fund recipients must consider the loan interest rate and other fees according to their ability to repay the loan.
  • 6. Every fraud is recorded digitally in cyberspace and can be known by the wider community on social media.
  • 7. Users must read and understand this information before making a decision to become a Fund Provider or Fund Recipient.
  • 8. The government, namely in this case the Financial Services Authority, is not responsible for any violation or non-compliance by the User, both the Fund Provider and the Fund Recipient (whether due to the User's intention or negligence) with the provisions of laws and regulations as well as agreements or agreements between the Provider and the Provider Funds and/or Fund Recipients.
  • 9. Every transaction and lending and borrowing activities or implementation of agreements concerning lending and borrowing between or involving Providers, Fund Providers and/or Fund Recipients must be carried out through an escrow account and virtual account as required under the Financial Services Authority Regulation 10/POJK.05/2022 regarding Information Technology-Based Co-Funding Services (LPBBTI) and violation or non-compliance with these provisions is evidence that a violation of law has occurred by the Operator so that the Operator is obliged to bear the compensation suffered by each User as a direct result of the violation of the law mentioned above without reducing the rights Users who suffer losses according to the Civil Code.
  • 10. User/borrower data submitted through the Cairin application will also be reported to the Fintech Data Center (FDC) or Pusdafil.
  • 11. That the Funder is aware of and fully bears the risks of providing a loan;
  • 12. That the Funder is aware of the risk of losing assets or assets due to failure to pay;
  • 13. That Funders are required to learn basic knowledge regarding (LPBBTI) before providing loans;
  • 14. That every fraud and illegal act is fully reported to the Financial Services Authority (OJK) and the wider public in accordance with applicable laws and regulations;
  • 15. That the credit records of Fund Recipients will be reported periodically to the Financial Services Authority for the purposes of the Fintech Lending Data Center which will be used together with national banking industry players and other financial industries;
  • 16. That the Fund Recipient and Fund Giver have read and studied each term and condition.