Terms and Conditions of Use of the Site and Application:
Welcome to Cairin. Thank you for visiting the Cairin Site and/or App. 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 of the Cairin Site and Application (“Terms and Conditions”) which is on this page.
By accessing and/or using the Services on the Cairin Site and/or Application, you agree 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 documents -other documents related to explanations contained in the Site and/or Application. If you do not agree to these Terms and Conditions, please NO access and use the Services on the Cairin Site and Application.
We can change these terms and conditions at any time without prior notice. Decisions made based on these Terms and Conditions are absolute and cannot be contested.
1. DEFINITIONS AND INTERPRETATION
In these Terms and Conditions, unless expressly stated otherwise, the following expressions have the following meanings:
“ You” means any prospective Lender, prospective Lender, Borrower, Lender or user who uses the Site Services and/or the Cairin Application.
“ Application” means the Cairin mobile Application for android and IOS Application operated and owned by us.
“ Cookies” means the file used by Cairin's servers to identify your computer.
“ FAQ” means Frequently Asked Questions on the Cairin Site.
“ Services” means information technology-based lending and borrowing services through Sites and Applications that bring together Lenders and Borrowers organized by Cairin.
“ E-mail Service” means the e-mail service we provide to you, which can be accessed by sending an e-mail to firstname.lastname@example.org.
“ 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 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 that places funds in Cairin's account to be distributed as loans to Borrowers through the Site and/or Application.
“ Loan Recipient” means an individual who is an Indonesian citizen.
“ Forcing Circumstances Event” is an event when a situation or event beyond the reasonable control of a party affects the general public in the country or territory of that party, and which results in the party being unable to comply or perform timely obligations 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, physical natural disasters, epidemics, quarantine restrictions, and non-functioning 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 was established under the laws of the Republic of Indonesia as the 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 of age and has the necessary legal capacity, right, power and authority to agree to these Terms and Conditions; and
(b) an individual user who is an Indonesian citizen. Cairin based on certain considerations may give consent to you who are less than 21 years old.
2.2 You will use the Services contained on the Site and/or Applications only for lawful and not unlawful purposes.
2.3 All information, including but not limited to personal data that you provide is accurate and true.
2.4 Loan limit through the Site and/or Application can be made in the amount Rp 400,000 (Four Hundred Thousand Rupiah) up to Rp 3,600,000 (Three Million Six Hundred Thousand Rupiah),</ span> but if the prospective loan recipient meets certain requirements, we add a larger loan limit in accordance with other applicable terms and conditions.
2.5 Cairin does not charge any fees in connection with the application made by the prospective Loan Recipient to apply for a loan.
2.6 Cairin has the right to conduct due diligence on prospective Loan Recipients. During the process, Cairin will contact the relevant institutions, companies, or individuals to seek information, verify and confirm information regarding potential Loan Recipients, including (but not limited to) legal and credit historical records. Prospective Loan Recipients are required to give permission and authorization to Cairin to do these things.
3. MATTERS RELATING TO PERSONAL DATA
You hereby agree that Cairin may 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 applicable law.
We ensure that all personal data sent by you through 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 does not use the personal data for any purpose other than to provide loan facilities. However, this does not apply to:
(i) prevention of 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 at that time not known through any violation of applicable law;
(iii) the personal data was obtained legally by Cairin without violating the confidentiality of other sources;
(iv) the personal data is required to be disclosed by law, government or authorized institution under existing regulations;
(v) such personal data is disclosed in any litigation proceedings; or
(vi) a person who acts as a lawyer, co-worker or any third party that we authorize in accordance with legal provisions.
By using the Service and accessing the Site and/or Application, you understand and agree that all forms of communication from Cairin relating to the Service to you through the Site and/or Application will be provided electronically either by e-mail, telephone or published through the Site. and/or Application.
You agree to receive all documents, notices and agreements electronically arising from the use of the Services through the Site and/or Applications, including for Services as a Lender or as a Borrower. All consent from you to every document, notice and agreement electronically arising from the use of the Service through the Site and/or Application is given by signing electronically and is fully responsible and binding on you as a user of the Service through the Site and/or Application, either rights and obligations arising from the agreement.
4. PERSONAL DATA ACCURACY
4.1 You agree that by accessing the Site and/or Application and using the Service, you guarantee the authenticity and accuracy of the personal data you provide through the Site and/or Application. The Personal Data you provide is true, accurate, complete, up-to-date and not misleading.
4.2 You understand that you have an obligation to always:
(a) update and inform Cairin of any changes to personal data, immediately after such changes; and
(b) safeguard your passwords and personal data;
4.3 If Cairin finds, either directly or in the future, that the personal data you provide 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 arises or will arise, both material and immaterial, for any inaccuracies in the personal data you provide.
5. COOKIES POLICY
6. MATTERS RELATING TO INTELLECTUAL PROPERTY
6.1 The intellectual property rights of this Site and/or Application, including, but not limited to, copyrights, patents, including trademarks for and on behalf of Cairin are wholly owned by and are fixed assets of Cairin.
6.2 You are allowed to view and copy-print on the content paper provided by the Site and Application, however:
(a) all such copies are the intellectual property rights of Cairin and the third parties we license; and
(b) You do not modify in any way paper copies of printed materials, including removal of any copyright or other proprietary rights contained in the Site and/or Application.
6.3 You agree that you will not use any part of this Site and App to:
(a) insert or knowingly or unintentionally transmit or transmit a virus, worm, trojan horse, time bomb, trap door or computer code, file, or program or make repeated requests designed to disrupt, damage or limit the functionality of the software, or computer hardware, or telecommunications equipment, or to reduce the quality, interfere with the appearance of, or damage the functionality of this Site and Application;
(b) upload, post, send e-mail or otherwise receive, or attach a link to any content that facilitates data hacking;
(c) hack anything that is part of this Site and App;
(d) upload, e-mail or send a link to any content that violates the intellectual property rights of third parties;
(e) circumvent or attempt to circumvent, any security measures of the Site and Application;
(f) allow any third party to do all of the above;
(g) if you use content from this Site and Application but fail to meet these requirements, then your right to use this Site and Application will be immediately lost;
(h) there are no links from other sites on this Site and Application which may enter without our prior written permission. You have no right to name, modify, or re-share content from this Site and App 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 through the Cairin Site and Application:
(a) Loan Terms and Conditions; and
(b) Other agreements with Cairin that will govern your use of the Service.
7.2 If there is a conflict between these Terms and Conditions and any other agreement that applies to specific aspects of the Service, that other agreement shall prevail in relation to the specific aspects of the Service to which the agreement applies.
8. CHANGES TO THE TERMS AND CONDITIONS
8.1 Cairin reserves the right to change the General Terms and Conditions at its sole discretion from time to time. Any changes to these Terms and Conditions will take effect immediately after Cairin has posted it on the Site and/or Application.
8.2 You understand and agree that when you continue to use the Service through the Site and/or Application after changes to these Terms and Conditions have been made, you are subject to and bound by the new Terms and Conditions.
If any terms or conditions in these Terms and Conditions in whole or in part are declared to any extent as invalid or unenforceable under the law or legal regulations, such terms or conditions or parts to that extent are deemed not to be part of These Terms and Conditions and the enforceability of any other terms and conditions in the Terms and Conditions will not be affected. Cairin's failure to exercise or exercise any right or provision of these Terms and Conditions does not constitute a waiver of such right or provision in such circumstances 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 when there is a violation of these Terms and Conditions, the Terms and Conditions of the Loan, or other Agreements with Cairin that will govern your use of the Service, caused by you.
10.2 Please note that messages sent via an internet connection cannot be fully guaranteed and may be intercepted, lost or modified. We are not responsible for messages that are lost, modified by third parties, or withheld and we are not materially liable to you or anyone else for any damage or other matters in connection with messages sent by you to us or us to you via an internet connection.
11. FORCING EVENTS
No party shall be liable for any failure to perform its obligations under these Terms and Conditions if such failure is caused by a Force Majeure Event. Always provided that whenever possible, the affected party will continue to perform the said obligation as soon as the Force Majeure Event causing the failure ceases or subsides.
You agree to release, hold harmless and indemnify Cairin, its affiliates, shareholders, directors, commissioners, employees, subcontractors, suppliers, agents from and for all forms of claims, lawsuits, claims, losses, damages, including legal consultant fees , which is caused by your breach of these Terms and Conditions and other provisions stipulated by Cairin.
You agree that in the event of a violation by you of the provisions of these Terms and Conditions or of the applicable law, then Cairin may unilaterally and without prior notice delete your account on the Site and Application, limit your access to the Site and Application, terminate the Service to you. You agree that all material or immaterial losses arising from account deletion and/or restrictions on your access as referred to above are entirely your responsibility.
14. APPLICABLE LAW AND DISPUTE SETTLEMENT
These Terms and Conditions and any other non-contractual obligations arising out of 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 as a result in connection with the use of the Site and Application will be resolved and finalized at the South Jakarta District Court.
15. CONTACT US
For more information, you can visit our FAQ page or contact us via telephone service at 021 - 24163377, live chat service or e-mail service at email@example.com.