Effective Date: March 19, 2024
Welcome to the Pilih Kredit website.
By accessing or using the Pilih Kredit application (“Application”), including the information or product requests listed and provided in the Pilih Kredit mobile application (hereinafter collectively referred to as “Service”), you hereby agree that you have read, understood, and accepted and agreed to these Terms and Conditions (“Terms of Use”) and state that these Terms of Use have been conveyed to you in simple and understandable Indonesian language. You also agree to comply with and be bound by the Terms of Use including but not limited to the Privacy Policy, Terms of Use, FAQs, and other existing and related terms. If you do not agree with any part of this contract, or if you cannot accurately understand the content of the terms, do not proceed, including but not limited to accepting this agreement or using the services under this agreement. Otherwise, you have accepted the Terms of Use and agree to be bound by this Agreement, you may not claim that this Agreement is invalid or request to withdraw this Agreement without reading the content of this Agreement.
1. Definitions
In these terms, unless otherwise agreed in the specific terms, all words or terms refer to the meanings described in these terms.
1.1 "We" refers to the owner and manager of the Pilih Kredit application.
1.2 "You" refers to anyone who accesses and uses the services we provide.
1.3 "Service" refers to all services and information contained in the Pilih Kredit application, not limited to information, application services and features, data support that we provide.
1.4 "User" refers to anyone who accesses and uses the services we provide, including unregistered and registered users.
1.5 "Registered User" refers to anyone who accesses and uses the services we provide and has registered to have an account.
1.6 "Third Party" refers to any third party, including but not limited to individuals, third-party companies, government, and other entities.
1.7 "Profile" refers to personal data used by users and is part of basic user information.
1.8 "Personal Information" refers to all personal data provided by users in our application, such as phone numbers and names.
1.9 "Content" refers to text, data, information, numbers, images, graphics, photos, audio, video, usernames, information, applications, links, comments, ratings, designs, or other information displayed on the application.
2. Products or Services
We present to you every detail of the financial products provided by third parties, allowing you to view, research, and compare the information as quickly as possible.
2.1. The information contained in our application is displayed according to the actual situation of third parties as a reference for users. We always strive to provide and display the latest and most accurate information, but we do not guarantee that all information will meet your needs or other needs.
2.2. The information in this application is intended to help you choose certain products or services that suit your needs. You should not assume that this application can be used as financial advice. You are fully responsible for every decision to select third-party products and services by you, and you are fully responsible for the behavior of signing contracts for third-party products or services.
2.3. The service we provide has no binding force or legal ties, and does not require you to follow the information provided. You will decide all your behavior to deliver product information in the application. Therefore, there are no circumstances that can cause us to be responsible for any damage you suffer.
2.4. We reserve the right to display, modify, delete, or add any content displayed in this application at any time.
3. Service and Use of Service
By continuing to use or access this application, you have declared and guaranteed that:
3.1. You may only access this application for personal and non-commercial purposes, meaning that only individuals or companies looking for products or services like this application for their individual or company needs can access and use this application directly.
3.2. You may not use the application in the following conditions:
• Hurting, torturing, humiliating, defaming, gossiping, threatening, intimidating, or disturbing other people or companies, or any behavior that violates privacy or that we consider obscene, insulting, hateful, indecent, inappropriate, unacceptable, discriminatory, or damaging.
• Engaging in illegal, fraudulent, or commercial behavior.
• Violating the rights of others, including patents, trademarks, copyrights, trade secrets, propaganda, and other proprietary rights.
• Creating, examining, updating, modifying, or repairing databases, records, or directories of yourself or others.
• Any modification or reinstallation that will interfere with or burden our communication and technology systems.
• Using programs or systems that replace the screenshot process with computer code, processes, programs, robots, web crawlers, spiders, data processing, or computer code.
• Violating the terms and conditions or other instructions of Pilih Kredit APP.
3.3. We are not responsible for damages caused by failure to access the application and how to use the application outside our control.
3.4. We are not responsible for any loss or damage caused by the termination of the service when you access or use the application. This includes the loss of anticipated savings, loss of business or business opportunities, loss of revenue or profit, or any loss or damage you must experience as a result of using the application.
4. Intellectual Property
Any intellectual property rights contained in this application belong to us. Any or all information in this application, materials, and content, including but not limited to, software, text, data, graphics, images, audio, video, logos, icons, or HTML code and other codes without our permission, are prohibited outside the application area in any way to release, modify, copy, or modify. Those who violate their rights may be dealt with according to applicable laws and regulations.
You may only use the information or content in this application for personal or non-commercial use. Unless the copyright law has explicit provisions or expressly permits such behavior, users are prohibited from copying, forwarding, distributing, or applying commercial exploitation of downloads without the permission of the intellectual property owner.
5. Other Links
Our application may provide links to pages that refer to or direct you to third-party websites, including links on product search result pages. You have known and understood and agreed that we are not responsible for the content and other materials contained in these third-party links. You are responsible for the risk of accessing and using third-party links. You are also advised to read and understand the terms and conditions applicable to third-party links.
6. Member Rules (registered users)
In addition to displaying information about finance and/or financial products, we also provide membership to you on behalf of users. You can view your history such as downloads and find products that match your profile.
6.1. Before becoming a member (or registered user), you must create an account for yourself. The account creation process can be done through the Pilih Kredit application.
6.2. Before becoming a registered user, you must read, understand, and comply with the terms and conditions and Privacy Policy applicable to this application.
6.3. You need to provide true, effective, and up-to-date contact information, not provide abnormal or irrelevant information during the registration process to become a registered user.
6.4. We will not allow registration applications for users who do not meet the requirements or provide incorrect and ineffective information. We reserve the right to cancel the membership of registered users if their behavior violates our terms.
6.5. Users who have successfully completed the registration process and become registered users can access member-related information at any time through our application.
6.6. All registered users must comply with the applicable terms and conditions and must not take actions described in point 3 in applying for membership or participating in social media.
7. General Description
7.1. The use and access of this application are subject to our terms and Privacy Policy. By accessing or using the application or information, you are deemed to have understood and agreed to be bound by all the terms and conditions applicable to this application.
7.2. We reserve the right to close, modify, or update these terms and conditions at any time without notice to users. In the event of any discrepancy, we have the right to make the final decision. We are not responsible for any losses caused by changes to the terms and conditions.
7.3. If you still need answers to what is not covered in these terms and conditions, you can contact us via email.
7.4. Additionally, you can also read the Frequently Asked Questions (FAQ) and we are ready to answer general questions.
8. Contact Us
If you want to contact us for more details about our products, let us know. Email: cs@pilihkredit.id
You hereby agree to the Terms of Service for loan products on this platform at the following link:
PT Sahabat Mikro Fintek (SAMIR): https://domain-h5.samir.co.id/awal/app_syaratketentuan.html