This page contains the privacy terms in the context of your use of Our Services (“Privacy Policy”). You must read this Privacy Policy carefully before using our Services. If you do not agree to this Privacy Policy, please do not use our Services.

The Privacy Policy is a form of commitment from Amartha to maintain, respect, and protect any personal information from our Service Users and not to use such personal information for purposes other than to carry out our Services.

This Privacy Policy explains to you how we obtain, collect, process, analyze, use, store, display, announce, send, disseminate, delete and destroy your Personal Data provided to us or collected by us either when downloading, registering, accessing the website and using our services.

Unless regulated in a separate privacy policy, You declare that Your Personal Data is true and valid data, and You give consent to Us to obtain, collect, process, analyze, store, display, announce, transmit, disseminate, delete and destroy in accordance with the Privacy Policy and applicable laws and regulations. We hope that you will read this Privacy Policy carefully to ensure that you understand how Our data is processed.

By using Our Services, you acknowledge that you have read, understood, and agreed to all provisions contained in this Privacy Policy, which is an integral part of the Terms and Conditions of Use. Capitalized terms used have the same meaning as those contained in the Terms and Conditions of Use.

I. Personal Data Accuracy

We need your Personal Data, one of which is to be able to process transactions. Therefore, the Personal Data that you provide to us must be as accurate as possible and not misleading. You must update and notify us if there are changes to your Personal Data. You hereby release us from any claims, lawsuits, compensation and or claims in connection with processing failures on our services caused by inaccurate personal data that you provide to us.

If you are not yet 21 years old or under guardianship, then you need the consent of your parents, legal guardians or guardians to provide us with your personal data. If your Personal Data is provided to us, you hereby declare and guarantee that your parents, legal guardians or guardians have agreed to the processing of your personal data and personally accept and agree to be bound by this Privacy Policy and be responsible for your actions.

In certain circumstances, you may provide Personal Data relating to other people (such as your spouse, family members and/or friends). In these circumstances, you declare and guarantee that you have the authority and consent of the owner of the Personal Data to provide their Personal Data to us for use in accordance with the purposes described in this Privacy Policy.

II. Collection of Your Personal Data

1. Provision of your Personal Data is voluntary. However, if you do not provide us with your personal data, we will not be able to process your personal data for the purposes described below, and this may cause us to be unable to provide our services.
2. You hereby agree that from time to time, We may collect Your Personal Data which We can obtain through:
   1. You hereby agree that from time to time, We may collect Your Personal Data which We can obtain through:
   2. each of your visits to our Website and/or Services;
   3. your telephone conversations with Us;
   4. from outside sources including but not limited to credit reference agencies and customer service providers regarding credit eligibility and history;
   5. publicly available resources that can be obtained by us without your consent and knowledge;
   6. your use of the computer system, namely information regarding the IP address, operating system and browser you use;
   7. the use of "cookies" when your browser accesses and you log in to our website. If enabled, cookies will store a small amount of data on your computer about your visits to some pages of this Website; and/or
3. We may also collect information and data about family members, friends, beneficiaries, attorneys, shareholders, beneficial owners, attorneys, persons under trustees, trustees, your guarantors, other security providers and other individuals (each -each referred to as a "Relevant Individual ").
4. We may combine the Personal Data that we obtain from each of the ways regulated under the provisions of I.1 above.
5. We may provide your Personal Data and Relevant Individuals to third parties for the purposes of our Website and Services, including to Lender or Borrower for the purposes of executing Loan Agreements.
6. In collecting Personal Data, we comply with the provisions of applicable laws and regulations, including but not limited to Law Number 19 of 2016 concerning Amendments to Law Number 11 of 2008 concerning Information and Electronic Transactions and Law No. 27 of 2022 concerning Personal Data Protection and its implementing regulations.
7. You hereby agree that your failure to provide true and accurate Personal Data will make you responsible for any losses that arise, including losses from us and other third parties. In addition, for this negligence, we are authorized to decide regarding the continuity of your account and access to our website and/or services.

III. Use of Personal Data

1. You hereby give consent that your Personal Data and Relevant Individuals will be used and/or processed in the context of:
   1. provide access to you and facilitate the use of our Website and ensure that Content, Services, are displayed in the most effective way for you;
   2. to process financing transactions in the context of the Loan Agreement and update Your Account that We keep;
   3. carry out our obligations arising from any agreement entered into between you and us;
   4. for our business purposes in general including but not limited to verifying your identity and your credit reputation and administrative needs of our website and services;
   5. enable you to participate in the Services and other interactive features of the Website and Services, if you choose to do so;
   6. implement and review security and protection measures on our website so as to keep our website safe and secure;
   7. to make loan decisions within the framework of the Loan Agreement;
   8. perform risk assessments, statistical and trend analysis and planning, including carrying out data processing, statistical analysis, credit, risk and anti-money laundering, creating and managing credit scoring models, conducting credit and other background checks and reviews, and storing your credit history and your authorized attorney for current and future reference;
   9. to prevent and detect fraud, including but not limited to using voice detection technology to analyze recordings of your telephone conversations with us;
   10. to contact you regarding your request;
   11. to identify you when you contact us or visit our website;
   12. to provide recommendations to related parties in the framework of the Website and the implementation of our Services;
   13. to make statistical analysis and develop and improve our products to estimate financing risk;
   14. administering Our Website and Services and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
   15. make decisions relating to the opening or continuation of your Account and the creation, provision or continuation of the Service and Website and also to maintain the accuracy of Personal Data;
   16. to carry out anti-money laundering inspections;
   17. provide relevant information and Personal Data about you and the Relevant Individual to credit reference agencies for the purpose of updating your credit records in the customer credit databases of these institutions;
   18. assess or understand the effectiveness of our advertisements and third party advertisements on our website and on other third party websites, and to deliver relevant advertisements to you;
   19. notify you about changes to the Website, Content and Services;
   20. meet the legal, regulatory and compliance requirements that apply to Amartha based on applicable laws and comply with any agreements that apply to Amartha;
   21. check the identity and/or authority of your attorneys who contact us or can be contacted by us and to carry out or respond to requests, questions or instructions from the attorneys who have been examined or other parties in accordance with our applicable security procedures;
   22. to allow banks, financial institutions or authorized third parties to carry out limited checks on your status in our database or our services;
   23. detect, prevent, conduct investigations and prosecute crimes and fraud including assisting in any investigation of crimes by the relevant authorities against you, Relevant Individuals or other people;
   24. managing Amartha's relationship with you, which may include providing information to you or relevant individuals, about the website and services, if specifically approved or if permitted under applicable laws and regulations;
   25. to market products or services or related to the Loan Agreement through various communication methods including letters, telephone, SMS, fax, email, internet, market research, and designing or screening similar products or services including by conducting market research, data analysis, and survey; And
   26. perform internal management to operate control and management information systems and perform internal audits or permit the conduct of external audits.
2. We may still use Personal Data for other purposes relating to any of the above matters as set out in III.1, in accordance with reasonableness and generally accepted practices.
3. We guarantee that there is no sale, transfer, distribution, lending and or other forms of transfer of your Personal Data to other parties other than those specified in the Agreement, without your permission, except if we are wholly or part of its assets are acquired or merged with a third party, then the Personal Data owned by us will be one of the assets that are transferred or merged.
4. We may disclose Your Personal Data and Relevant Parties to Our group, including but not limited to shareholders of Amartha, Amartha's subsidiaries and/or Amartha's grandchildren.

IV. Disclosure to Third Parties

1. You agree that your Personal Data may be provided to third parties who cooperate with us in the sole interest of implementing our services, including but not limited to the know your customer (KYC) process and data verification of prospective Borrower and/or Borrower.
2. If we provide your personal data to third parties, the third parties who receive your personal data will be subject to the same obligations regarding storage and use of data that apply to us.

V. Personal Data Storage

1. All Personal Data that you provide and/or that we receive in accordance with the Privacy Policy is stored safely in the country of Indonesia based on the conditions set by us.
2. If necessary, we can store your Personal Data in a country other than Indonesia for the purposes of efficiency and/or commercial considerations from Amartha in accordance with the provisions of the applicable laws and regulations.
3. Transfer of information, including Personal Data via the internet is not completely secure. Although we have done our best to protect your Personal Data, we cannot guarantee the security of your data sent through our Website, any transmission is your responsibility. Once we receive your Personal Data.

VI. Data Subject Request and Information Deletion

You are a data subject who has certain rights that have been determined based on laws and regulations. The following are your rights as a data subject:

1. The right to access your personal data (right of access): You can submit a request to obtain a copy of personal data related to him that is stored or processed by us.
2. Right to update or correct errors and/or inaccuracies of personal data: You can submit a request to replace or correct errors and/or inaccuracies in your personal data. You can submit a request for this in the features we provide.
3. The right to delete or and/or destroy his personal data: You can submit a request for deletion of your personal data. In the event that you intend to delete personal data that is essential for us, this will result in the termination of the service between you and us.
4. The right to suspend or limit the processing of personal data in proportion to the purposes for which personal data is processed: You can submit a request to postpone or limit the processing of your personal data, so that the processing is carried out only for the original purpose of data processing that has been known and approved.
5. The right to use and transmit his Personal Data to other Personal Data Controllers: You can submit a request to obtain a copy of your personal data in a common format and ask us to transfer your personal data to another Personal Data Controller.
6. Right to object: You can submit requests regarding objections to the processing of your personal data used for direct marketing, fulfillment of personal data controller obligations in public services for the public interest, and/or fulfillment of other legitimate interests by taking into account the goals, needs and balance of the interests of personal data controllers and the rights of the owner of personal data.
7. The right to object to decision-making actions based solely on automatic processing of a person's profile: You can submit a request regarding objections to the processing of your personal data which is carried out automatically and has legal consequences for him.

Submission of the application referred to in this provision can be submitted by you through Marthacare.

VII. Personal Data That Is No Longer Needed

We will remove and/or return (where necessary) Your Personal Data and/or Relevant Individuals that are no longer required for Our Website and Services.

VIII. The Access We Have

In accordance with applicable laws and policies at OJK, We only have access to Your camera, microphone and location.

IX. Unauthorized Access

We are responsible for the Personal Data that we collect from you, but please note that you are also responsible for maintaining the confidentiality of your personal data by not allowing third parties to access your personal data without your consent and knowledge. In this regard, we are not responsible for the misuse of your account and/or password that you create and use to access your personal data wherever you store your personal data, including accounts and/or passwords to access our services. You must notify us if you believe that your password has been misused by a third party.

X. Accurate Information

You must provide us with personal data information that is accurate and not misleading and you must always update and notify us immediately if there are changes to the personal data from time to time. You must release us from responsibility arising from your negligence to ensure the accuracy of Personal Data.

XI. Links to Other Websites

Our Services may contain links to third party sites. If you follow one of the web links contained on this website, please note that the website has its own privacy policy and we are not responsible for the acquisition, collection, processing, analysis, use, storage, display, announcement, delivery, distribution, the deletion and destruction of your Personal Data by these third parties includes guarantees in the privacy policies on these third party sites.

XII. Personal Data Security

Any Personal Data submitted to us and/or collected by us or received by us in accordance with the provisions of this Privacy Policy will be protected with the best possible efforts by tested security devices, which are used by us electronically. Even so, we do not guarantee the confidentiality of the information that you submit, in circumstances where there are other parties who take or use us unlawfully and without our permission. We will try our best to limit access to Personal Data by unauthorized parties.

XIII. Obligation to Disclosure of Personal Data

We may disclose Personal Data and other information related to You to authorized third parties such as the government and/or state apparatus, only if there is a valid order and/or decision from the court and if required by applicable law. In the event that the applicable law requires Us to disclose Personal Data, to the extent required by law, We will notify the owner of the Personal Data regarding the disclosure at the latest 3 (calendar days) before the disclosure is made.

XIV. Rejection for Marketing Purposes

You have the right to ask us not to process your Personal Data for marketing/promotional purposes. We will notify you and ask for your consent before we use your personal data for that purpose or if we intend to disclose your personal data to any third party for that purpose. You can exercise your right to object to this processing by marking the relevant form that we use to collect your data. Even after you have given your consent for the Personal Data to be used for marketing purposes, you can, at any time after that, withdraw your consent by contacting us at Marthacare.

XV. Privacy Policy Changes Over Time

This Privacy Policy may be changed and/or updated from time to time without prior notice. Amartha recommends that you read carefully and check this Privacy Policy page from time to time to be aware of any changes. By continuing to access and use Amartha's Website and Services, Users are deemed to agree to the changes in this Privacy Policy.