Your Data.
Your Privacy.

1. Information We Collect

Personal Information

When you create an account or use our services, we may collect:

• Name, email address, and contact information
• Company information and business details
• Government-issued identification numbers (for verification purposes)
• Professional background and financial experience

Financial Information

To provide our financial analysis services, we process:

• Bank statements and transaction data
• Financial statements and accounting records
• Credit reports and financial performance metrics
• Business revenue, expenses, and cash flow information

Technical Information

We automatically collect certain technical information:

• IP address, browser type, and device information
• Usage patterns and interaction with our platform
• Log files and error reports
• Cookies and similar tracking technologies

2. How We Use Your Information

We use your information to:

• Provide Services: Generate financial statements, perform creditworthiness analysis, and deliver platform features
• Improve Our Platform: Enhance user experience, develop new features, and optimize performance
• Communication: Send service updates, security alerts, and customer support responses
• Compliance: Meet legal requirements, prevent fraud, and ensure platform security
• Marketing: Share relevant product updates and financial insights (with your consent)

3. Information Sharing and Disclosure

We may share your information in the following limited circumstances:

With Your Consent

When you explicitly authorize us to share information with:

• Financial institutions for loan applications
• Investors for funding opportunities
• Business partners for enhanced services

Service Providers

We work with trusted third-party providers who help us deliver our services:

• Cloud hosting and data storage providers
• Payment processing services
• Analytics and performance monitoring tools
• Customer support platforms

Legal Requirements

We may disclose information when required by:

• Indonesian law and regulatory authorities
• Court orders, subpoenas, or legal processes
• Fraud prevention and security investigations
• Protection of rights, property, or safety

4. Data Security and Protection

We implement comprehensive security measures to protect your information:

Technical Safeguards

• End-to-end encryption for data transmission
• Advanced encryption for data storage
• Multi-factor authentication and access controls
• Regular security audits and penetration testing

Organizational Safeguards

• Employee background checks and security training
• Strict access controls and data handling procedures
• Regular security awareness programs
• Incident response and breach notification protocols

5. Data Retention and Deletion

We retain your information only as long as necessary to:

• Provide ongoing services and support
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records for legitimate purposes

You can request deletion of your personal information at any time, subject to legal and regulatory retention requirements.

6. Your Rights and Choices

You have the following rights regarding your personal information:

Access and Portability

• Request copies of your personal information
• Export your data in a portable format
• Review how your information is being used

Correction and Updates

• Update or correct inaccurate information
• Modify your account settings and preferences
• Change your communication preferences

Deletion and Restriction

• Request deletion of your personal information
• Restrict processing for specific purposes
• Object to certain types of data processing

7. International Data Transfers

Your information may be processed in countries outside Indonesia. When we transfer data internationally, we ensure appropriate safeguards are in place, including:

• Adequacy decisions or approved transfer mechanisms
• Standard contractual clauses for data protection
• Certification schemes and codes of conduct
• Binding corporate rules for intra-group transfers

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze platform performance and usage
• Provide personalized content and features
• Detect and prevent fraudulent activities

You can control cookie settings through your browser preferences, though some features may not function properly if cookies are disabled.

9. Changes to This Privacy Policy

We may update this Privacy Policy to reflect:

• Changes in our services or business practices
• New legal or regulatory requirements
• Enhanced security measures or technologies
• User feedback and platform improvements

We will notify you of significant changes through email or prominent platform notices, and the updated policy will be effective 30 days after notification.