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KoinWorks presents as the Super Financial App, which is the solution for all your personal and business financial needs. We want to realize all your financial dreams in the future with just one dashboard. PT Sejahtera Lunaria Annua (“PT SLA“), which partnered with PT Lunaria Annua Teknologi as an affiliate in organizing KoinWorks – Super Financial App, has been listed as a Digital Financial Innovation Provider in the Aggregator Cluster in the Financial Services Authority (“OJK“), with a letter number recording No. S-87/MS.72/2020 dated February 10, 2020. KoinWorks also has an Electronic System Organizer (“PSE“) Registration Number No. 00257/DJAI.PSE/02/2020 and has been registered as a member of the Indonesian Fintech Association (“AFTECH“), with member registration number 0322/REG/AFT/SU.

As a Super Financial App, KoinWorks provides interfacing services as a liaison for parties who want to carry out financial activities, both in information technology-based money lending service or other financial products. KoinWorks does not provide any form of funding advice or recommendations regarding the choices on this site.

1. DefinitionUnless the context otherwise requires, the terms in this Legal Disclaimer will have the following meanings:
   1. KoinWorks or Company or We/Us are PT Sejahtera Lunaria Annua, a company that provides a financial product marketplace for Users;
   2. Service is a Platform providing service provided by the Company on the Platform to bring users together;
   3. User is anyone who visits, accesses and / or uses the Platform;
   4. Third Parties are other parties, including but not limited to providers of information technology based lending and borrowing services, gold trading companies, or other Financial Services Services companies that have been registered or licensed by the Financial Services Authority, which provides their services on the Platform;
   5. Platform is a mobile application owned by the Company;
   6. Personal Data is data and/or certain individual information that is stored, maintained, and maintained in the truth and protected by confidentiality.
2. Storage of User’s Personal DataIn connection with activities carried out on the Platform, the User hereby acknowledges and agrees that the User’s Personal Data will be stored by the Company. Storage of Personal Data of the User will refer to Article 15 of the Minister of Communication and Information Regulation No. 20 of 2016 concerning Protection of Personal Data in Electronic Systems and Government Regulation Number 71 of 2019 concerning the Implementation of Electronic Systems and Transactions. The Company will not provide information about the User to other parties without the prior consent of the User and can only provide even limited information for the benefit of transactions on features in the Platform

3. Company Services to UsersIn providing services, the Company has followed the licensing mechanism and applicable laws and regulations, and has been under the supervision of the OJK. The User is entitled to get Services on the Platform as follows:
   1. View and access all financial products in the Platform;
   2. Change and update your information as a User.

   Users hereby are deemed to understand and know all risks held by each financial product used. Therefore, the User assumes responsibility for all decisions and risks taken related to the use of the Service.

4. Privacy PolicyYour privacy and protection of the personal data that you have sent us is very important to Us. Because We collect and/or store certain types of information from and about You, we need to explain our policies and terms and conditions surrounding the collection and use of such information.

   We respect the protection of User privacy. The User understands that the User can only access some features on the Platform if the User provides and allows some information and / or data to the Company through the Platform.

   The User understands that the User has allowed the Company to collect information about the User, including but not limited to the User’s IP address and hardware since the User visited and accessed the Platform.

5. Platform Services and SecurityThe Company always gives full attention and effort in order to provide the best security and services to Users through the Platform. The platform has ISO 27001: 2013 Certificate – Information Security Management as a Financial Aggregator. However, in the event of problems with the Platform beyond the control of the Company, including but not limited to cyber-crime, problematic servers, malware, etc., you as the User agree to release and release the Company to take responsibility for these matters