Ezycash Inc Inc is highly committed to maintaining the privacy of our consumers. The information obtained by Ezycash Inc Inc will only be used for the business needs of the Ezycash Inc Inc related to loans made by consumers/users of this application service, including but not limited to analyzing the feasibility of loan products, the need to process transactions, carry out court orders, applicable legal processes, and reporting processes to OJK. Ezycash Inc Inc will not share the personal information of our consumers and or ex-consumers with any third parties other than for the purposes above. Regarding the explanation above, each user of the Ezycash Inc Inc application must comply with the following privacy and authorization policies.

A. GENERAL RULES

1. Ezycash Inc is a company providing technology-based money lending and borrowing services registered with the Indonesian Financial Services Authority;
2. Users are individuals or legal entities who are capable before the law to represent themselves based on the laws and regulations in force in Indonesia;
3. Users wish to use Ezycash Inc services;
4. Ezycash Inc is required to verify the identity of the prospective borrower;
5. Users are willing to provide personal information to and for use by Ezycash Inc;
6. Affiliate is any company or legal entity that (a) controls a Party either directly or indirectly, or (b) is controlled either directly or indirectly by a Party, or (c) is controlled directly or indirectly by companies or entities that directly or indirectly control a Party. The context of “Control” in this Article is direct or indirect ownership of majority shares or voting rights in a company, partnership or legal entity;
7. Ezycash Inc Account is a unique identity that is given to Users when using Ezycash Inc Services;
8. Personal Data means including but not limited to (i) name, (ii) identification/identity, (iii) address, (iv) telephone number and email address commonly used, (v) biometric information, (vi) emergency contact (vii) and other additional information needed by Ezycash Inc in verifying the identity of the prospective borrower;
9. User Operation Information means including but not limited to computer IP address, hardware model, operating system used by the User, User’s location when accessing the Ezycash Inc service Electronic System, and other information related to the Ezycash Inc service;
10. Force Majeure means a condition or event that is out of control which is not caused by the negligence of either Party and cannot be foreseen before the Parties sign the Agreement and which directly affects the implementation of the Agreement. These circumstances or events include but are not limited to: fires, floods, earthquakes, hurricanes, volcanic eruptions, disease outbreaks, labor strikes, wars or acts of violence or the like, whether stated or not expressly stated, Government actions to amend/revoke /issuing laws and regulations related to the Ezycash Inc business. Force Majeure does not include a lack or absence of User funds, or revocation of business licenses;
11. Ezycash Inc services include, but are not limited to credit scoring, billing and payment, and other services provided by Ezycash Inc as accessible through the Ezycash Inc Electronic System;
12. Government means the government of the Republic of Indonesia represented by any ministries including regional governments, authorized agencies and bureaus, Government, when printed in capitals must be an adjective of the Government;
13. Third Party means any party other than Ezycash Inc or Users;
14. POJK 77 means Regulation of the Financial Services Authority No.77/POJK.01/2016;
15. Ezycash Inc Electronic System means an information technology facility owned by Ezycash Inc and the Ezycash Inc mobile application managed by Ezycash Inc with its services in order to provide, manage, and operate information technology-based money lending services;
16. User Age, to be registered on the Ezycash Inc site and application, users must be 18 years of age or older, under 18 years of age are not permitted to use Ezycash Inc services. Based on certain considerations Ezycash Inc may give consent to users under the age of 18 to use this application;
17. Users are willing to provide User Personal Data to and allow Ezycash Inc to collect, use, and store User Personal Data for the purposes of verifying prospective loan recipients;
18. Ezycash Inc will receive, collect, use and store and maintain the confidentiality of the User’s Personal Data in order to verify the User’s identity as a potential loan recipient;
19. Users are prohibited from disseminating or sharing any information they obtain through using Ezycash Inc services, both information about Ezycash Inc and about Users, to any third party without obtaining prior written approval from Ezycash Inc.

B. USER PERSONAL DATA

1. The user authorizes Ezycash Inc to collect and use User’s Personal Data;
2. User Personal Data that must be provided to Ezycash Inc and can be collected, used, stored by Ezycash Inc including but not limited to;
   1. Identity; such as (i) name, (ii) identification/identity, (iii) address, (iv) telephone number and email address commonly used, (v) biometric information, (vi) emergency contacts (vii) and other additional information required by Ezycash Inc in verifying the identity of the prospective borrower;
   2. User’s bank account or other payment account;
   3. Place for registration on the Ezycash Inc account in the Ezycash Inc Electronic System;
   4. Information from social media;
   5. Transaction information via Ezycash Inc Account;
   6. Information from Third Parties regarding Ezycash Inc services;
   7. User Operation Information;
   8. Information provided when the User contacts the Ezycash Inc customer service team, and information provided when the User participates in surveys, questionnaires from Ezycash Inc;
   9. Email and social media accounts; And
   10. Information collected when Users interact with Affiliates and Ezycash Inc business partners.
3. Collection of User Personal Data by Ezycash Inc is carried out by accessing, including but not limited to:
   1. User’s Ezycash Inc account;
   2. User’s cellphone number; And
   3. Verify the ownership of a bank account account for the use of Ezycash Inc services.
4. Users can change User Personal Data according to the procedures determined by Ezycash Inc and must immediately inform Ezycash Inc.

C. USE OF USERS PERSONAL DATA

1. The user authorizes Ezycash Inc to use User’s Personal Data for the purposes of:
   1. Compliance with applicable laws and regulations;
   2. Organizing lending and borrowing services;
   3. Ezycash Inc Service Improvement to Users;
   4. Notification to Users about the status of Ezycash Inc Services or to receive information about Ezycash Inc Services, as well as to notify Users about the status of marketing and other commercial electronic information;
   5. Prevention of unlawful acts; And
   6. Other uses permitted by the User.
2. Subject to the above provisions, Ezycash Inc can cooperate and exchange User Personal Data for risk mitigation purposes by:
   1. Financial Services Authority (“OJK”);
   2. Payment Gateway Partners and Payment Channel Partners;
   3. Information technology-based support service providers;
   4. Ezycash Inc Affiliate; And
   5. Employees, employees, Directors of Ezycash Inc and Affiliates of Ezycash Inc.
3. Regarding the emergency contact, which is given by the user to Ezycash Inc, the user hereby grants the right to Ezycash Inc to make phone calls to the emergency contact, if Ezycash Inc cannot contact the user at least 4 (four) working days after the due date of payment to provide information on user billing and to deliver notification that the user has not fulfilled the obligations under the Loan Agreement.
4. Based on the Letter of the Director for Regulation, Licensing and Supervision of Fintech by the Financial Services Authority No. S-277/NB.213/2019 regarding Data Contribution Order to the Fintech Lending Data Center (PUSDAFI), with that User data will be sent to the Fintech Lending Data Center (PUSDAfil).
5. Based on the Letter of the Director for Regulation, Licensing and Supervision of Fintech by the Financial Services Authority No. S-582/NB.213/2019 dated 28 October 2019 regarding Contribution Obligations and Supporting the Implementation of the AFPI Fintech Data Center (FDC), as well as the AFPI Regulations regarding FDC, with that User data will be sent to the Fintech Data Center (FDC).

D. PROTECTION OF USERS PERSONAL DATA

Ezycash Inc will try its best to maintain the confidentiality of each User’s Personal Data, whether submitted directly by the User at the time of registering for an Ezycash Inc Account, or collected by Ezycash Inc based on this privacy policy using hardware and software that has been tested for physical, electronic and administrative security. reasonable.

E. STORAGE OF USERS PERSONAL DATA

1. All User Personal Data received by Ezycash Inc will be stored securely in the country of Indonesia and at the Ezycash Inc Affiliate location;
2. After the expiration of the storage period referred to in letter F, the User may request Ezycash Inc to destroy User’s Personal Data both on the Ezycash Inc Electronic System.

F. PERIOD OF USER DATA PROTECTION AND STORAGE

1. Protection and storage of User Data are effective on the date of registration of the Ezycash Inc Account on behalf of the User on the Ezycash Inc Electronic System;
2. Ezycash Inc has the right to store User Personal Data in the Ezycash Inc electronic system for a minimum of 5 (five) years from the closing of User’s Ezycash Inc Account based on this privacy policy. These provisions will remain in effect even if the Agreement arising from the use of this Ezycash Inc application ends or is terminated.

G. DELETION OF USERS PERSONAL DATA

1. The user has the right to ask Ezycash to delete user data, but the data above will affect Ezycash’s credit assessment of the User and determine whether the User can enjoy loan services from Ezycash. When the User submits a data deletion, the User’s account will be deleted at the same time, which means the User can no longer enjoy loan services at Ezycash.
2. Please confirm that all User invoices have been settled before deleting data, otherwise User data cannot be deleted. When you confirm that you need to delete data, you can apply to customer service. Ezycash will verify and delete all User data as soon as possible. Please the User confirms repeatedly before submitting a data deletion request. Once an account has been deleted, it cannot be recovered.

H. REPRESENTATIONS AND WARRANTIES

1. Ezycash Inc guarantees that Ezycash Inc is a company established under Indonesian law that has obtained a business license as stipulated by the applicable law and will maintain the validity of the business license until the end of the Agreement on the use of the Ezycash Inc Application;
2. Users are Indonesian citizens who are legally competent and able to act for and on their own behalf based on Indonesian law;
3. Users are owners of Personal Data and have the right to disclose User Personal Data to Ezycash Inc;
4. The User is the only party who can use the User’s Ezycash Inc account;
5. The User will maintain the confidentiality of the User’s Ezycash Inc Account password;
6. The User is solely responsible for all actions and statements made using the User’s Ezycash Inc Account and Ezycash Inc Account password;
7. Users provide accurate, correct, valid, current and complete Personal Data in accordance with the Ezycash Inc Account registration requirements;
8. Users comply with all instructions, terms and conditions that apply when submitting applications through the Ezycash Inc Electronic System;
9. Users will not apply for a change of original name for any purpose that violates the law or is prohibited by this Agreement. Users will not use the Ezycash Inc service in any way that can disable, interfere with or cause damage to other websites; And
10. Users will not obtain or attempt to obtain information other than that provided on the Ezycash Inc Electronic System regarding Ezycash Inc Services, by violating the law or this Agreement;
11. Ezycash Inc is registered and supervised by OJK;
12. By remaining subject to the provisions of the applicable laws and regulations, Ezycash Inc will maintain the confidentiality of User’s Personal Data in the Ezycash Inc Electronic System; And
13. Ezycash Inc will use User’s Personal Data for the benefit of loan requests and updating Ezycash Inc Services to Users.

I. INDEMNIFICATION

The user is obliged to protect, indemnify and release Ezycash Inc from and against all claims, losses, liabilities, demands, lawsuits and decisions (including legal costs) that arise due to:

1. Third Party Losses;
2. Misuse of Personal Data by parties other than Ezycash Inc;
3. Use of Ezycash Inc Accounts by Users;
4. Use of loan funds by Users;
5. Disclosure of Passwords to Third Parties that are not carried out by Ezycash Inc;
6. Links to Websites other than the Ezycash Inc Electronic System;
7. Problems in the bank system used and selected by the User;
8. Operational network problems related to bank connections or other Force Majeure factors;
9. User’s use or failure to use the Ezycash Inc Service;
10. Costs and losses due to the purchase or acquisition of goods, samples, data, information or legal transactions by Users through the Ezycash Inc Service;
11. User’s misunderstanding of the Ezycash Inc Service;
12. Other losses arising from Ezycash Inc Services that are not caused by Ezycash Inc;
13. Any damage caused by hacker attacks, interference or virus attacks on computers, technical adjustments in the telecommunications sector, temporary closures due to government regulations, and other damages that are not errors in information that has been authenticated by Ezycash Inc is leaked, lost, stolen or damaged;
14. All risks arising from currency devaluation;
15. Failure to comply with the validity, accuracy, accuracy, reliability, quality, stability, completeness or timeliness of information and technology on the Ezycash Inc Service.

J. CHANGES TO THE PRIVACY POLICY

1. User agrees that Ezycash Inc, at the sole discretion of Ezycash Inc, may change or add terms from time to time. Changes or additions to these terms will take effect after Ezycash Inc announces changes or additions to the Agreement through electronic media or other communication media chosen by Ezycash Inc. Changes to the Agreement will be effective immediately upon publication;
2. Users can access changes to the Agreement through the Ezycash Inc Electronic System and Ezycash Inc Service pages;
3. If the User decides to continue using the Ezycash Inc Service after the notification of the change becomes effective, then the User is deemed to have fully read, understood and agreed to the entire contents of this privacy policy including all changes.
4. If the User disagrees with the contents of the policy change referred to in number 3, the User must immediately inform Ezycash Inc of the rejection and agree to stop using the Ezycash Inc Service, except for the User’s obligation to fulfill payment obligations under the Loan Acceptance Agreement.

K. DISCLAIMER

1. Users of Information Technology-Based Money Borrowing Services (“Fintech Lending”) are a form of agreement and civil relationship between the Lender and the Borrower so that all risks and legal consequences thereof are fully borne by each contracting party.
2. Credit Risk or Default and all losses from or related to the loan agreement are fully borne by the Lender. No state institution or authority is responsible for the risk of default and loss.
3. Lenders who do not have the knowledge and experience of lending or Fintech lending and do not meet the minimum requirements of users are advised not to use this service.
4. Before utilizing Fintech Lending, the Loan Recipient must consider the loan interest rate and other costs according to their ability to repay the loan.
5. Every fraud is recorded digitally in cyberspace and can be known by the public on social media and can be used as legal evidence according to regulations regarding information and electronic transactions in the process of dispute resolution and law enforcement.
6. The user community must read and understand this information before making a decision as a Lender or Borrower. The User’s decision to take advantage of Fintech Lending is a manifestation and evidence of the User’s understanding of this Information.

By clicking the “Agree” button, the User declares that he understands and understands and agrees to be bound by every rule and policy determined by Ezycash Inc in this Application, thus this privacy policy is signed using an electronic signature as stipulated in the Law of the Republic of Indonesia No. . 11 of 2008 concerning Information and Electronic Transactions on the account opening date and has the same legal force as the agreement made and signed.