• iPaymu delivers notifications to you as a User, both User, and Merchant via e-mail general notification at IPAYMU.COM, or by other methods that can be sent to the address you provided to iPaymu when registering (register).
• iPaymu has the right to make changes at any time regarding information, materials, functions and or content contained in the IPAYMU.COM website pages with/or without prior notice.

1. Publication and Information No. VA/ Account/ QR Code for User

   iPaymu keeps the deposit account number information (11790xxxxxxxxx) confidential, and only notifies it via the User’s email (user) using a secret code to be opened by the User (user).

2. Publication and Information No. VA/ Account/ QR Code for Merchant

   iPaymu has the right to close (suspend) any merchant account found to have published a Deposit account number (11790xxxxxxxxxxx) and share VA number, Account number, QRCode, and other payment methods belonging to iPaymu to other parties/buyers.

   iPaymu only allows merchants to do Merchant Website Integration in the manner provided on the Website Integration page

iPaymu accepts MLM and Income Opportunity vendors on condition that they meet the provisions in accordance with the laws and regulations in Indonesia.

It should be noted, joining MLM or any income opportunity is done at your own risk. There are many legitimate opportunities on the internet and each one should be researched carefully before deciding to join. iPaymu will not offer refunds for these or any other purchases. These things have to be taken care of by the vendor.

• Collection of Documents and User Information
  • We will collect User Personal Information when the User registers or uses our Services in connection with the purchase of goods and/or services sold/offered by Merchants.
  • The user (user) guarantees to iPaymu that any data or any information contained and listed in every document provided by the User (user) is correct. If any data or information submitted to iPaymu turns out to be false or untrue or misleading, then iPaymu has the right and authority to refuse, cancel, freeze and report all transactions made by the user (user) without the need to obtain prior approval from the user (user). in any form.
  • All matters and consequences arising from and or in connection with the data or information contained and listed in each of these documents are the full responsibility of the User.
• Collection of Documents and Merchant Information
  • General information, such as the name, work address, e-mail address and telephone number of the Merchant.
  • Additional information, such as the official name of the business or company registered by the Merchant, identity card (KTP) from the Board of Directors (if a business entity) or ID card of the owner (if non-business entity), Merchant corporate documents, Merchant’s type of business, Merchant website, Merchant’s business license, Taxpayer Identification Number (NPWP), as well as Merchant’s bank account data if required; and/or
  • Information regarding Merchant internet transactions, including but not limited to the amount of transaction value made on our site, after the Merchant has successfully connected to our system.

• Make sure that the business being carried out does not violate the laws and regulations in Indonesia.
• Make sure that the business being run is not fictitious.
• Make sure that the business used does not deviate from the initial agreement during data verification.
• If at any time it’s found there is a transaction refutation by end user (buyer) related to the business being carried out, iPaymu has the right to investigate and hold funds until the case is declared complete.
• iPaymu also has the right to ask Merchants to give compansation for losses without requiring an investigation process first.

1. User Prohibition
   • The user (user) in using the service may not make any changes in the terms, conditions, or restrictions contained in the agreement or other agreement where the user (user) obtains the right to use the Product or Service (Use Agreement), and the use of our services remains must be subject to the terms, conditions and restrictions contained in the Use Agreement.
   • Any form and or any way of harassment on the IPAYMU.COM website, without exception and or not limited by e-mail, chat, and or by using obscene and or abusive language, is prohibited.
2. Merchant Ban
   • Any form and or any way of harassment on the IPAYMU.COM website, without exception and or not limited by e-mail, chat, and or by using obscene and or abusive language, is prohibited.
   • You are prohibited from distributing, using other means to publish photos or site content that is libelous, abusive, threatening, invasive of privacy or publicity rights, insults, acts against the law, or leads to fraud or leads to criminal acts, violates rights any party, or which may create liability or violate the law. You are prohibited from using commercial content on IPAYMU.COM to solicit others to join or become members of other online commercial services or other organizations.
   • Merchants are prohibited from doing their own transactions and getting No. VA, No. iPaymu’s account, QRcode, and other payment methods.
   • Your information and activities (including payment and receipt of payments) through our services are NOT ALLOWED if:
     1. false, inaccurate or misleading, as fraudulent or involving the sale of counterfeit or stolen goods; make cash advance withdrawals from your account yourself (or help others to do so), violate the iPaymu User Policy;
     2. Violate any third party copyright, patent, trademark, trade secret or proprietary right or right of publicity or privacy.
     3. Violate any law, law, regulation, contract or regulation (including, but not limited to, those governing financial services, consumer protection, unfair competition, anti-discrimination or misleading advertising);
     4. slander in trade, threaten or harass the law;
     5. Obscene or contains child pornography
     6. Create liability or cause us to lose (in part or in whole) the services of our ISP or other suppliers
     7. Trading/Forex business or businesses identified as illegal and unlicensed in accordance with applicable regulations
     8. If you use or attempt to use the Service for purposes other than receiving payments and managing accounts, including but not limited to, tampering, hacking, modifying or tampering with the security functions of the Service, your account will be closed and you will be deemed tampered with and subject to penalties, criminal prosecution.
     9. If there is a transaction that is suspected of a violation, your account will be suspended for 14 working days until the investigation and evaluation process is completed.

All content on the IPAYMU.COM website, not only limited to text, graphics and/or code, is copyright fully owned by iPaymu in part and or in whole, done by iPaymu and or its workers in accordance with the laws and regulations in force in the Republic of Indonesia. Indonesia. iPaymu as the copyright holder of the content on the IPAYMU.COM website gives permission to copy and print electronically and or in non-electronic form only for and on orders from iPaymu and or buy iPaymu products.

iPaymu also gives permission to you to be able to display some specific information, download materials and or print from different materials originating from the IPAYMU.COM website only for your own, non-commercial use, or at iPaymu’s order and or to buy iPaymu products. Users outside of the things mentioned above, including but not limited to distribution of display, reproduction, and or content delivery from the IPAYMU.COM website are strictly prohibited actions, unless permitted by iPaymu. You also agree not to change and or delete any proprietary rights notices from materials downloaded from the iPaymu site.

All trademarks and or service marks under the name iPaymu used in the IPAYMU.COM website are trademarks and or registered trademarks dated August 22, 2011 on behalf of Riyeke Ustadiyanto.

Based on this Agreement the User does not acquire any intellectual rights or other proprietary rights, including patents, designs, trademarks, copyrights or rights in any confidential or trade secret information, in or relating to the System or any part thereof, other than the rights that are expressly granted to the User (user) based on this Agreement or in a mutual agreement based on a written agreement that the User (user) agreed with iPaymu. No ownership and or any ownership rights to the IPAYMU.COM website (if any) are granted under this Agreement.

The user (user) of the IPAYMU.COM website and or service used by the User (user) is only licensed and not sold to the User (user). All software and IPAYMU.COM website programs that allow Users to access the IPAYMU.COM website are protected by laws and regulations in force in the jurisdiction of the Republic of Indonesia related to Intellectual Property Rights (HAKI). iPaymu has the authority to sue for violations of laws and regulations related to intellectual property rights violations, both civil and criminal.

iPaymu does not guarantee or represent, either expressed or implied, and is not limited to the title, product or service being traded, non-infringement, completeness, accuracy, quality, satisfaction, reliability, suitability for a particular purpose regarding the website, information, materials and/or functions. -functions in it and iPaymu expressly disclaims responsibility for errors and omissions in the information, materials and/or functions. iPaymu does not make any representations or warranties in relation to the services and or performance of third party services; including without limitation warranties of merchantability or fitness for a particular purpose.

• iPaymu assumes no responsibility whatsoever for every purchase through the IPAYMU.COM website or service. Every time you enter an Income Opportunity, or MLM Program, or “matrix site” you do so at your own risk and by registering and or dealing with IPAYMU.COM websites and services, you FULLY agree to release iPaymu and all its affiliates and officials, employees and owners for ANY losses that may arise from registering on one of the types of websites or businesses mentioned above, you are willing to compensate us and agree not to act on behalf of iPaymu or represent yourself in any action, in any capacity for any type of website or business If you are involved in a dispute with one of these types of business, you agree that this is ONLY between YOU and the BUSINESS, and iPaymu is not involved in the dispute. By transact through iPaymu, you agree that this is a contract, and you agree fully and willingly to all the terms and conditions set forth in this User Agreement.
• We are only payment processors and have no control over what these websites do and do not do to iPaymu. We do not refund if a product, service or program is not what you think it is, or if they do not fulfil their promises. You must thoroughly investigate all opportunities before making a decision to join
• and if it sounds too perfect to be true, it’s worth to think about it again. Any activity deemed as fraud by iPaymu will be considered as an illegal activity

You agree to indemnify, attack and or harm iPaymu, office officers, directors, employees, agents, licensors, service providers from all losses, costs, damages and costs, including attorney fees resulting from any violation of these terms and conditions or activities related to your account (including omissions or errors) by you or others who access the site using your internet account.

Unless otherwise agreed, all notices or communications or other correspondence made based on, or by reference to, these terms and conditions shall be in writing and sent directly to the following e-mail address: [email protected].