Privacy and Security Policy

iPaymu Service Privacy and Security Policy

A privacy policy is a provision that governs your account and information that you provide to the Company which includes the following matters:

 

  • Overview

    In order to provide the best service and avoid fraud, the Company has the right to ask you to provide your personal information and your bank account data. This privacy policy describes and / or explains the information the Company collects and how the Company uses that information.
     
    The company takes the privacy of your personal information very seriously and will use your information only in accordance with the provisions of this Policy. The Company will not sell or rent your personal data or Company customer lists to third parties. However, as will be explained in more detail in section 3 below (Use and disclosure of information), there are limited circumstances where your information will be shared with third parties, under strict supervision, so it is very important for you to review this Policy. This policy applies to all services provided in IPAYMU.COM. By accepting the Policy and Terms of Use in registration, you agree to the use and disclosure of your personal information as described in the Policy. This policy is incorporated into and is subject to the provisions of the Company’s Terms of Use. Your personal information will be stored and processed on the Company’s server.
     
    The company guarantees that it will store and / or send your personal information to a safe and confidential environment. If you have objections to your personal information that will be transferred and / or transferred as described in this Policy, please do not register for the services

  • Notifying Changes

    This Privacy Policy will always experience changes from time to time due to the addition of new services to IPAYMU.COM or whenever there are suggestions that the Company has received from Company customers.
     
    If the Company will use or disclose your personal information materially differently from when we collected information, you have the choice whether or not the Company can use or disclose your information in new ways.
     
    Any material changes will be effective as soon as the Company updates the changes on the IPAYMU.COM website, the Company will always send an email notification whenever there are changes in policies and rules (if you have closed your Company account you will not be contacted about changes to this Policy and your personal information is not will be used or used in the new way).
     
    The Company will post changes to the Privacy Policy clearly on the IPAYMU.COM website, so you can always find out the information that the Company has collected, how the Company uses that information and whether the Company will open it to other parties. Please check the IPAYMU.COM website at any time to find out the latest version of the Company’s Privacy Policy.
     
    The pages on the IPAYMU.COM website may contain links to third party websites. The company is not responsible for their operations, including but not limited to their information practices. Their Privacy Policy only regulates these sites. Users who submit information on or through these third-party websites must first review their privacy statement before providing their personal information.

  • Information the Company Needs

    To open an IPAYMU.COM account, you must provide your Full Name, Company Name (if applicable), Address, Contact Telephone Number, website URL (if applicable), and e-mail address. In order to make transactions using IPAYMU.COM, all the information that is provided to the Company needs to be true. This information will be indispensable for the Company to carry out the transaction process, issue a new password if you forget or lose your old password, protect you against fraud, and to make it easier for the Company to contact you regarding account management.
     
    The company has the right to suspend accounts that do not meet the above requirements and freeze funds until further investigations are completed. If you choose to register certain additional products or features offered by the Company, you will be asked to provide additional information to determine that you qualify for those features or products.

  • Transaction Information

    If you use IPAYMU.COM to send money to other people or request money from others, the Company will ask you to provide information relating to each transaction including the transaction number and email address of the third party.
     
    The company will store this information for every transaction you make through IPAYMU.COM. The company also collects IP addresses for each computer or device you use to access your IPAYMU.COM account, to help detect possible cases of unauthorized transactions

  • Your information from third parties

    In an effort to protect all customers of the Company against fraud, the Company will verify with third parties the information you provide in the verification process.

  • Additional Verification

    In an effort to combat fraud, the Company requires additional verification. We will ask you to provide additional information (such as scans of Identity Card, Family Card, and savings book) to make withdrawals in the account. If you cannot verify the information you have provided to the Company, then the Company has the right to suspend your account and freeze your funds until the investigation process is complete.

  • Website Traffic Information

    Due to the standard way of communication on the internet, when you come or leave the IPAYMU.COM website, the Company will automatically receive the IP address of the website from which you came and or your website will visit.
     
    We collect information on which pages on the IPAYMU.COM website that you visit when you are on the IPAYMU.COM website, the type of browser you use, and when you access the IPAYMU.COM website.
     
    The Company will use this information to try to better understand the preferences of the Company’s customers and to manage the Company’s server loads, so that in the end to improve IPAYMU.COM services and your experience with the Company.
     
    The company does not track the websites you visit before or after you leave the IPAYMU.COM website.

  • Use of “Cookies”

    “Cookies” are small data files that reside on your computer and enable the Company to recognize you as an IPAYMU.COM customer if you return to the IPAYMU.COM website using the same computer and browser.
     
    The company sends “session cookies” to your computer if and when you log in to your account by entering your email address and password. These cookies allow the Company to recognize you if you visit several Company sites/pages during the same session, so you don’t have to re-enter your password multiple times. After you log out or close the browser, these session cookies will expire and have no more effect. The Company also uses longer-lasting cookies to display your e-mail address on the IPAYMU.COM sign-in form, so you no longer need to rewrite your e-mail address every time you log in to a Company account.

  • Customer Service Correspondence

    If you send a correspondent to the Company, the Company has the right to save the correspondent in order to measure and improve the IPAYMU.COM customer service, and to investigate potential fraud and violations of the User Terms.
     
    The company may, from time to time, delete such records if permitted by the law.

  • Questionnaire, Survey and Data Profile

    Pengguna (user). Penggunaan informasi yang dikumpulkan ini akan dijelaskan secara detail didalam survey itu sendiri. – At any time, the Company can offer a choice of questionnaires and surveys to the Company’s Users for the purpose of gathering demographic information or to find out the desire and needs of the Users. The use of information collected will be explained in detail in the survey itself.
     
    If the Company collects personal information from our Users in a questionnaire or survey, Users will receive notice of how this information will be used before they participate in a survey or questionnaire.

  • Recipient or Non-member Applicant

    When a member sends a payment to someone or requests for payment from someone as an individual who is not registered as a member of the Company, the Company will request member information to submit to the Company the name and / or e-mail address of other parties, for the benefit of members who tries to contact non-members , so members can see a complete record of their transactions, including incomplete transactions.
     
    Although the information is stored indefinitely, the Company will not open it to non-members at any time. In addition, these non-members have the same rights to access and correct their information (assuming that their e-mail addresses are correct and can reach them) as others who use IPAYMU.COM.

  • Use and Disclosure of Information

    The company collects, stores and processes your personal information on the IPAYMU.COM server.
     
    The Company uses your information that the Company collects to provide services and to process transactions, for customer services, to determine your eligibility to accept offers of products or special features, and to improve IPAYMU.COM products and services.
     
    The Company uses the information you provide to access certain services from third parties on your behalf, and to take the actions that you requested the Company to do.
     
    The company provides access to the introduction of individual information users (users) only to employees who need it to meet customer service requests

  • Restriction of Information for Other Customers

    If you are a registered User, your username, name, transaction date will be displayed to customers of other Companies where you make payment transactions to them or to those who will make payment transactions to you through IPAYMU.COM.
     
    Bank account data and other financial information will never be disclosed to anyone (those who make payment transactions from / to you) through IPAYMU.COM, unless the Company is requested to do so according to a court order or other legal process.
     
    The company can also inform other customers the amount of payment you receive from customers whose statuses are stated as a “BUSINESS” or “ENTERPRISE” (as described in the Terms of Use on the IPAYMU.COM website), or other overall measurements that give an indication of your reputation with other customers.

  • Restriction of Information to third parties other than customers

    The company will not sell or rent your personal information to third parties. The company will not share your personal information with third parties except under certain conditions which will be explained later, or with your permission (and for other customers as described above). These third parties are limited by law or by contract to use information for secondary purposes beyond the information being shared.
     
    The company discloses information we collect, as described above, with companies that conduct marketing services on our behalf or other financial institutions that work with us in a marketing agreement. These companies were previously subject to agreements with the Company and other legal restrictions that prohibit using information except for the purpose of marketing IPAYMU.COM related products and services, unless you give consent or give your permission for other purposes.
     
    The company shares information in good faith to cooperate in investigations related to fraud or other legal activities, or to investigate violations of Company Policies & Rules. Specifically, if the Company conducts a fraud investigation and concludes that a party has been involved in fraudulent practices, the Company can provide entity contact information (but not bank accounts or credit card information) to victims who request it.
     
    The company discloses information in response to a warrant, subpoena, court order, retribution, appendix, order of recipients referred to by the court or other comparable court proceedings, including subpoenas from the private party in civil action.
     
    The company discloses your information to your agent or legal representative (such as the power of attorney you appoint or the guardian appointed for you).
     
    The company shares data with our business partners or for public relations. For example, we can disclose the amount in a certain percentage of our Users who live in Jakarta. However, this information is not related to personal information.
     
    As with any other business, it is possible for the Company to merge or be acquired by another company in the future. In the case of an acquisition, the successor company will have access to information managed by the Company, including customer account information, but will continue to be bound by this Policy until there is a change as described above.
     
    The Company shares information with the Company’s main companies, subsidiaries and joint ventures to help coordinate the services the Company provides to you, implement terms & conditions and promote trust and security

  • Contact with customers

    The Company communicates with customers regularly by e-mail to provide the requested services, and the Company also communicates by email or telephone to resolve customer complaints or to investigate suspicious transactions.
     
    The company uses your e-mail address to confirm the opening of an IPAYMU.COM account, to send payment notifications that you send or receive via IPAYMU.COM, send information about important changes to IPAYMU.COM products or services, and send notifications and other information requested by law.
     
    The company will also use your e-mail address to send communications in other forms that you can control including, tips, newsletters, customer surveys, and special information from third parties. In connection with an independent audit of our financial statements and operations, the auditor may search and contact our customers to ensure that our records are accurate. However, this auditor cannot use personal information for secondary purposes

  • Safety Policy

    The security policy covers the following matters:
     
    – Information Security
    – Account Security
    – Access and Change Account Information
    – Contact Us

  • Information Security

    The company handles customer information with high information security standards.
     
    The company limits access to your personal information only to employees who need it in order to provide the products or services to you.
     
    The company maintains physical, electronic and security procedures in accordance with government regulations to safeguard your non-public information. The security of your account also depends on protecting your password. Don’t give passwords to other people. Representatives from the Company will never ask for your password, if there are e-mails or other communications that ask for your password, please be careful and this activity is deemed illegitimate and suspicious.
     
    If you share your password with third parties for any reason, including third parties who have promised to provide additional services such as account aggregation, these third parties will have access to your account and personal information, and you are responsible for actions that are taken because they used your password.
     
    If you believe someone else has accessed your password, immediately change the password and contact the Company immediately

  • Account Security

    In order to maintain the security of your IPAYMU.COM account, there are a number of things you must do:
    Prohibited from publishing deposit account numbers (117900XXXXXXXXXX)
     
    Verify Company Account immediately.
     
    For merchants, immediately complete the Company Merchant Certification.
     
    The company has the right to suspend the Merchant accounts that were found to have published the Deposit account number.
     
    Access and Change Account Information.
     
    You can review the personal information you provided to the Company and can make certain changes by contacting Company support.
     
    Changes will be permitted by filling in the data change form. This is necessary to prevent fraud, by ensuring that people who try to commit fraud will not change Company account information so that it cannot be detected.
     
    You can also close the account through the IPAYMU.COM website. If you close the account, the Company will mark the account in the data base as “CLOSED” but the Company still stores your information in the database. This is necessary to prevent fraud, by ensuring that people who try to commit fraud will not be able to avoid detection just by closing their account and opening a new account again.
     
    However, if you close your account, your personal information will not be used for further purposes or sold or shared with third parties, unless necessary to prevent fraud and assist law enforcement, or as required by law. You are not allowed to use a username that contains elements of the word Company, our system will automatically cancel the username

  • Contact Us

    If you have questions about the policy, please go directly to the FAQ page or the Contact Us page
     
    Hacking
    If you use, or try to use the Company for purposes other than sending and receiving payments and managing your account, but are not limited to tampering, hacking, modifying or damaging security functions, your Company account will be deactivated and you must submit to penalties, including criminal prosecution if applicable.
     
    Your Company Password will never ask for your password. Never give your password to anyone. The company will not be responsible for losses suffered by users as a result of misuse of passwords.

  • Tips to Safely use the iPaymu.com Website

    Do not directly click on links in emails that come from the Company. Emails might come from scammers who try to steal your information. Make sure in advance that the link is correct from the Company by contacting Company support.
     
    Keep your computer’s security updated. Your computer is the path to the Company, Bank Account or other online account that you have. Many of these accounts are only limited to the security of your computer. Make sure you have updated your anti-virus, firewall, spyware detection / removal, etc. on your computer.
     
    Use a trusted computer. Don’t use someone else’s computer to log in to a Company account
     
    Use a trusted internet connection. Using the company from free wifi can be dangerous. The best is the cable connection from your home.
     
    Make sure you log in via the link https://my.ipaymu.com/members/login.htm
     
    Never tell your password and PIN to others.
     
    Make changes to the pin and password regularly.
     
    Make sure your computer is free of viruses.
     
    Perform transactions carefully and carefully at each step / stage
     
    Make sure you have completed the transaction / at the final step of SIGN OUT
     
    Learn and understand the user’s agreement, privacy and security policy and terms and conditions before registering for the use of the website and / or IPAYMU.COM services.

  • Disclaimer

    On the IPAYMU.COM Site, material and / or existing products are provided “as is” and without any warranty from the Company, either explicitly or implied and in accordance with applicable law, the Company rejects all warranties, either explicitly or implied, including guarantees about what is traded and suitability for certain purposes of other parties.
     
    The company does not represent or guarantee that the functions contained in the site will not be interrupted or error free, that the damage will be repaired, or that this site or the server that makes this site free of viruses or other dangerous components.
     
    The company does not guarantee or represent the use of material on the IPAYMU.COM website in terms of accuracy, adequacy, usefulness, reliability of timeliness, or vice versa. Some countries do not allow limitations or exceptions to the warranty, so the above limitations may not apply to you.
     
    If the transaction is carried out as of 30/31 up to the 3rd day of each month, the Company is not responsible for the condition of the end-of-month bookkeeping adjustments made by each Bank.
     
    The Company does not and cannot check all communications and material posted or made by Users accessing the IPAYMU.COM site, and is not responsible for the content of such communications and materials.
     
    You agree that by viewing and distributing user generated content on the IPAYMU.COM site, the Company only acts as a passive channel for such distribution and does not become any liability relating to the content or activities on the IPAYMU.COM site. However, the Company has the right to block or delete communications or material that is proven to be (a) harassing, defamatory, or licentious, (b) fraudulent, deceptive, or misleading, (c) that violates copyright, trademark or; the intellectual property rights of others or (d) declared unacceptable to the Company in its sole discretion.
     
    The Company is not responsible for any specific or consequential damages resulting from the Use, or the inability to use the material on the IPAYMU.COM website or product performance, even if the Company has warned of the possibility of such damage. Applicable law may not allow limitation or exclusion of liability for incidental or consequential damages, so the limitation or exclusion above may not apply to you
     
    IPAYMU.COM services are regulated and / or subject to the provisions of the applicable laws in Indonesia. The company rejects all forms and / or enforcement of statutory provisions outside the jurisdiction of Indonesia

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