We are committed to protecting the privacy and accuracy of your personally identifiable information to a reasonable extent possible, subject to provisions of the law. Other than as required by laws that guarantee public access to certain types of information, or in response to subpoenas or other legal instruments that authorize disclosure, personally identifiable information is not disclosed without your express consent. For avoidance of doubt, the use of the Website (www.moneysmart.id) or any of its associated mobile applications (collectively known as “the Application”) shall constitute your express consent.
Compliance with the Law
We are committed to ensuring compliance with the applicable privacy and telecommunication laws in Indonesia.
Information Collection and Use
Categories of personally identifiable information collected by this application include all details provided in a loan application submitted via the Application. The personally identifiable information requested by us is primarily for the purpose of enabling third-party credit providers to assess your loan applications. The secondary purpose is for us to serve you the most relevant advertisements according to your profile and needs.
All information and documents transmitted via the Application will be protected and secured in the most reasonable and secure method available.
Additionally, the Web server hosting this service collects, at least temporarily, the following information: Internet Protocol (IP) address of device being used; Web pages requested; referring Web page; browser used; date and time. This information is collected to monitor the use of our application. We may use IP-address and device information and anonymous-browser history to report information about site accesses and for profiling purposes. This information is generally used to improve our application presentation and utilization. We also may use IP address information for troubleshooting purposes.
We will also be using your data for data modeling and risk / credit risk management purposes (such as modeling a credit scoring system). By using this application, you have consented to us using your data input for internal data analysis as aforementioned. By using the Application, you have consented to us obtaining any information or data in relation to you and/or your loan application from public and private sources. We may also use the aforesaid data to make certain product recommendations to you through any mean or channel.
Disclosure of Collected Information
Other than as set out in this policy, we will not disclose or share, without your express consent, personally identifiable information, except for certain explicit circumstances in which disclosure may be required by law. Your personally identifiable information will not be distributed or sold to third-party organizations.
Links to Other Sites or Applications
You may encounter links to other Web sites or applications of organizations not directly affiliated with us. Please be aware that we are not responsible for the information practices of external organizations. We recommend you review the privacy statements of each external Web site or application that collects personal information.
The Application may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Site, and understanding how visitors use the Application. Cookies can also help customize the Application for visitors. Personal information cannot be collected via cookies and other tracking technology, however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.
Distribution of Information
We may share information with governmental agencies or other companies assisting us in fraud prevention or investigation. We may do so when: (1) permitted or required by law; or, (2) trying to protect against or prevent actual or potential fraud or unauthorized transactions; or, (3) investigating fraud which has already taken place. The information is not provided to these companies for marketing purposes.
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