This Privacy Policy for Client of SIMPAN PINJAM IDA WELAS RASA (the “Privacy Policy") should be read and used in conjunction with the SIMPAN PINJAM IDA WELAS RASA (IWR) Terms of Use. All capitalized terms used in this Privacy Policy have the meanings given to them in the IWR Terms of Use, unless explicitly stated otherwise herein or required by context. References below to "you" or "customer" mean any visitor, user, business partner, agent, supplier, vendor, or customer of IWR or the IWR Platforms, and includes "Client." Any reference to "we" or "us" means " IWR ". IWR is committed to protecting and respecting your Privacy. This Privacy Policy helps you understand how your personal information is collected, stored and processed by IWR when you visit IWR websites or use other IWR platform. IWR may change this Privacy Policy from time to time with or without notice. We encourage our website Client and visitors to periodically review this Privacy Policy to be notified of any changes.
I. This Privacy Policy applies when you use or
subscribe to any product, service, application, website,
or network associated with IWR. This includes information,
videos, advertising, internet and other products, services
and applications. This Privacy Policy also applies to
other websites owned or operated by IWR.
II. This
Privacy Policy also applies to you and everybody who uses
our merchandise or offerings under your account, without
the place we identify that a separate Privacy Policy or
phrases and conditions apply. You are responsible for
making sure you understand this Privacy Policy.
III.
You have to agree to and be willing to receive the phrases
of this Privacy Policy before you might also visit or use
any IWR Platform, or any products or offerings supplied
therein.
IV. This Privacy Policy and any additional
terms of use apply to you even if you are not our customer
and you interact with us as part of running our business,
such as by:
•When employing any of our products or
services;
•When practicing in any promotional
campaign;
•When approaching our customer service;
•Generally requesting information about our services
or products.
V. If you need to give us personal
information about someone else in relation to our products
and services, this Privacy Policy will also apply.
VI. Depending on the product or services, you may
additionally acquire service-specific and/or
region-specific terms. You will be legally certain through
both this Privacy Policy and the service/region precise
term to the extent that you have accepted them when
signing up to any service or product; therefore, you are
required to read these terms carefully.
I. “Personal information” Statistics that can be
used alone to uniquely identify, contact, or identify an
individual, or statistics that can be used with data
available from other sources to uniquely identify an
individual. B. When making a purchase, using our services,
creating a personal account, or otherwise interacting with
us, or your name, email address, phone/mobile number,
country/city, occupation, Personal facts you provide when
providing information including SIM card, age, gender,
username and password, including but not limited to. IWR
may also associate any category of record with any other
category of statistics and, so long as they are combined,
will treat mixed facts as personal data in accordance with
this Privacy Policy. All information is uploaded through
the interface in an encrypted structure and stored on our
servers, but IWR does not share it with third parties
without permission.
II. We collect information when
a customer registers with us via any IWR Platform or when
customers post on a IWR Platform, including information
and data provided by customers when filling in the forms
as part of any post, or on any IWR Platform, and
information and data provided in the course of any
correspondence with us (for example, by e-mail or chat or
helpline).
III. We may also collect information when
you install or uninstall the IWR platform to receive
products or services. Such products or carriers may
contain a unique inventory number. Alternatively, if such
products or carriers check for automatic updates, they may
also send us information about their installations, such
as their quantity and the type of system they are running.
Register to use, download or register for products or
services through the IWR Platform, subscribe to our
services under search for products, services or
applications, participate in promotions or surveys; When
you participate and report problems with the Application,
our Services, or IWR Platform.
IV. Register to use,
download or register for products and services through the
IWR Platform; register with one of our offerings (e.g.
network operators or applications); participate in
advertising; participate in surveys; We collect facts and
information that you provide, such as: Also, if you log a
problem with the Application, our services or one of our
IWR platforms.
V. IWR and its authorized
third-parties may also collect, store and process personal
information such as password, financial information
(details of bank account, credit card, debit card, or
other payment instrument details), physiological
information for providing our products, services and for
use of our IWR Platforms.
VI. Means of obtaining and
updating Personal data will be obtained and updated
through means :
•Remote or electronic;
•Optics;
•Through the use of other
technologies that allow data to be collected automatically
or simultaneously at the time the Owner contacts IWR.
VII. When you use our Platform, whether our Website
or our App, we collect and store your information
(personal information) which is provided by you from time
to time by explicitly seeking permissions from YOU to get
the required information:
•Non-personal information
Including, but not limited to, your Internet Protocol (IP)
address, operating system, browser type and Internet
service provider. This type of information does not
personally identify a visitor or customer.
•Technical information
Including the type of
mobile device you use, unique device identifiers (for
example, your device's IMEI or serial number), information
about the SIM card used by the device, mobile network
information, your device operating system, the type of
browser you use, or your device's location and time zone
setting (device information).
•SMS
IWR
collects and monitors your SMS, addresses of senders, and
description of the messages to build your social and
financial profile for credit assessment. We will upload
this information encrypted to our server for credit
evaluation and provide you priority approval service.
•Customer Information
Information stored on
your device, including camera, videos or other digital.
•Log Information
Details of your use of any of
your applications or your visits to any of IWR Platforms
or websites including, but not limited to traffic data,
location data, weblogs and other communication data.
•Location
IWR may also use GPS technology or
other location services to determine your current
location.
•Access to Calendar
We need
permission to access your calendar so that we can notify
you to pay on time. This feature is designed to improve
the refund process and customer experience. If you do not
enable this permission, the specific parts associated with
this permission will not be used. However, this does not
affect the use of other critical services. In any event,
these companies are subject to Privacy obligations when
handling information under legal restrictions imposed by
applicable laws of the jurisdiction in which the
information is collected, stored, processed or
transmitted.
•Installed Application
IWR
Collect and monitor specific information about your
installed application on the app. We will upload it
encrypted to our server and our external provider in order
to identify and analyze your behavior and risk to assess
whether it can be processed or not and help prevent fraud.
VIII. You agree that IWR may collect, store, and
process the information described above (including
information provided by third parties) collected as part
of your interactions with IWR will do. By using the IWR
Platform, you consent to the collection, storage and use
of your personal information regarding the products or
services we offer, and consent to the collection of any
changes or updates to that information.
I. "Cookies" are small text files transferred by a
web server to Client’ hard drive and thereafter stored on
their coIWRter. The types of information a cookie collects
include the date and time Client visited, their browsing
history, preferences, and username.
II. IWR may use
Cookies to manage our Client’ sessions and to store
preferences, tracking information, and language selection.
Cookies may be used whether customers register with us or
not.
III. In some instances, our third-party service
providers may use cookies on the website or other IWR
Platform. We cannot control or access cookies used by
third- party service providers. This Privacy Policy covers
only Cookies used by us, and not any Cookies used by third
parties.
IV. Customers can accept or refuse the use
of cookies on their coIWRter, whether or not they have
registered with us. You can usually set your browser not
to accept cookies. However, opting out of the use of
cookies may limit your access to certain features of the
website and/or the IWR Platform. Cookies help us improve
the IWR Platform and our website by providing you with a
great experience when using the IWR Platform and browsing
our website.
V. You can withdraw your consent for
further collection of this information at any time by
logging out and uninstalling the IWR mobile or other
applications from your device.
I. Information collected by us shall be used for the
purpose of determining whether or not to provide a
financial service or product to the customer, the amount
of such exposure and the terms and conditions applicable
to such services or product.
II. We may also use a
third-party payments services provider or payments
processing company to process payments and repayments,
transfer money to your Operative Account or any other user
account, process other payments, and to provide additional
products and services, and may therefore disclose your
information to such third-party payments services
provider.
III. We use your information to operate
our services and improve your experience and interactions
with IWR. We use your information to provide, support,
improve, protect, analyze and bill for our products and
services. To communicate with you about your services,
products, or applications. to market our products and
services; To detect and prevent fraud. for advertising.
and for research purposes. We may log in to your online
account when you purchase products or services from us,
sign up for our newsletters, respond to surveys or
marketing communications, browse IWR websites or
applications, or log into your online account. We may use
information we collect from you when you register with us.
Download and register for one of our apps or use certain
other website features by: •Personalize your experience
and to allow us to deliver the type of content and product
offerings in which you are most interested; •Improve our
website/app in order to better serve you; •Allow us to
better service you in responding to your customer service
requests; •Administer a contest, promotion, survey or
other site feature; •Ask for ratings and reviews of
services or products; and •Follow up with them after
correspondence (live chat, email or phone inquiries).
IV. This means we may: •Record details about the
products and services you use or order from us; •Send you
product or service-information messages (we may send you
messages to confirm your order and tell you about any
changes that might affect your service, like when we have
infrastructure work planned or need to fix something);
•Let you create and log in to the online accounts we run;
•Charge you and make sure your payment reaches us; and
•Give information to someone else (if we need to for the
product or service you’ve ordered) or to another
communications provider if you’re buying some services
from them and us.
V. In addition, we use the
following information to provide products and services and
manage your account: •Your contact details and other
information to confirm your identity and your
communications with us. This includes your Personal
Information and other relevant credentials; •Your payment
and financial information; •Your communications with us,
including emails, web chats and phone calls. We will also
keep records of any settings or communication preferences
you choose; and •Information from cookies placed on your
connected devices that we need so we can provide a
service.
VI. We may disclose some or all of the data
we collect from you when you download or use the IWR
Platform to connect to mobile wallet providers, credit
bureaus, or other partner financial institutions. We may
disclose your personal information to any member of our
group, which means our subsidiaries, our ultimate holding
company and its subsidiaries.
VII. We may disclose
your personal information to any local or international
law enforcement officers or competent regulatory or
governmental agencies, in good faith belief that such
disclosure is reasonably necessary to enforce any terms
and conditions and/or this Privacy Policy, to assist in
the prevention, detection, investigation or prosecution of
criminal activities or fraud.
VIII. We shall use
your data for the purposes of compiling statistic relating
to our user base or financial product or services and may
disclose such information to any third party for such
purposes, provided that such information will always be
anonymous.
IX. We may use other third-party
companies to monitor site traffic, which may, in some
instances, store customer information. Where we use
another organization, we still control your personal
information and we have strict controls in place to make
sure it’s properly protected
X. We may also disclose
or transfer your personal information to third parties in
the event that: • IWR is involved in a merger, bankruptcy,
acquisition, reorganization, or sale of assets, in which
case we may disclose your personal data to the prospective
seller or buyer of such business or assets; • IWR or
substantially all of its assets are acquired by a third
party, personal data held by it about its customers will
be one of the transferred assets; • IWR is under a duty to
disclose or share your personal data in order to comply
with any legal or regulatory obligation or request; or •In
order to enforce our Terms and Conditions and other
agreements or to investigate potential breaches; report
defaulters to any credit bureau or for the purpose of
publishing statistics relating to the use of the IWR
Platform, in which case all information will be aggregated
and made anonymous.
I. We employ appropriate security practices and
procedures, including technical, operational,
administrative and physical security controls, to protect
your personal information from unauthorized access or
disclosure while in our control. To do. Your personal
information is stored behind secure networks and is
accessible only to a limited number of persons who have
special access to such systems and who are required to
keep the information confidential.
II. The data and
information we collect from you may be transferred to and
stored at destinations. Destination staff will fulfill
your wishes. By submitting your personal data, you consent
to this transfer, storage or processing. We will take all
reasonably necessary steps to ensure that your information
is treated securely in accordance with this Privacy
Policy.
III. Our security practices and procedures
limit access to personal information on need-only basis.
Further, our employees are bound by code of conduct and
Privacy policies which obligate them to protect the
Privacy of personal information.
IV. We maintain the
security of our IWR Platforms, however, for reasons
outside of our control, security risks may still arise.
Any personal information transmitted to us or from our
online products or services will therefore be your own
risk. However, we will use all reasonable efforts to
ensure the security of your information. We observe
reasonable security measures to protect your personal
information against hacking and virus dissemination.
V. If you provide a password (or choose a password)
that grants you access to certain parts of the IWR
Platform, you are responsible for keeping that password
confidential. Please do not share your password with
anyone. Unfortunately, the transmission of information
over the Internet is not completely secure. Although we
will do our best to protect your personal data, we cannot
guarantee the security of data transmitted to the IWR
platform. ANY TRANSMISSION IS AT YOUR OWN RISK. Once we
receive your information, we use procedures and security
features to try to prevent unauthorized access to the
extent reasonably practicable. Customer agrees that IWR or
any of its affiliates, affiliates or affiliates,
employees, directors, shareholders, agents,
representatives, etc., shall not be liable in the event of
an accidental breach of security resulting in unauthorized
access or disclosure. agrees not to be liable to you. your
information. To the fullest extent permitted by law, you
agree to seek damages or otherwise hold IWR and its
affiliates liable for any breach of security that results
in the disclosure or unauthorized access of your
information. You agree to waive your rights.
Any disputes regarding this Privacy Policy shall be
subject to the Terms and Conditions of IWR, including but
not limited to any conditions related to indemnification,
limitation of liability relating to damages, choice of law
and dispute resolution forum. We ask you to first submit
any such complaints directly to us the relevant customer
services desk or helpline.
Contact: Questions, comments, and requests regarding
this Privacy Policy are welcomed.
Contact us by
email: info@idawelasrasa.com
Contact us by Phone:
082123067824