Privacy Policy for Duwit Fintech Indonesia
Last Updated: [October 26, 2023]
1. Introduction
Welcome to Duwit Fintech Indonesia ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, website, and any related services (collectively, the "Services").
By accessing or using our Services, you consent to the practices described in this policy. If you do not agree with our policies and practices, please do not use our Services.
2. Information We Collect
We collect several types of information to provide and improve our Services:
Personal Identification Information: This includes information you provide directly to us, such as your full name, email address, phone number, date of birth, government-issued identification number (e.g., KTP), tax identification number (NPWP), and photograph.
Financial Information: To provide financial services, we collect information such as your bank account details, transaction history, credit history, and income details.
Technical and Usage Data: When you use our Services, we automatically collect information like your IP address, device type, operating system, unique device identifiers, mobile network information, and information about your interaction with our app (e.g., features used, pages visited).
Location Information: With your permission, we may collect precise or approximate location data from your mobile device.
3. How We Use Your Information
We use the information we collect for the following purposes:
To create, manage, and maintain your account with us.
To verify your identity and comply with applicable laws and regulations (e.g., anti-money laundering laws).
To process your financial transactions, including payments, transfers, and loan applications.
To provide customer support and respond to your inquiries.
To personalize your experience and improve our Services.
To send you important notices, such as communications about transactions and changes to our terms and policies.
To detect, prevent, and address fraud, security, or technical issues.
For internal purposes such as auditing, data analysis, and research.
4. How We Share Your Information
We do not sell your personal information. We may share your information in the following situations:
With Your Consent: We will share information with third parties when you have given us your consent to do so.
Service Providers: We may share information with trusted third-party vendors who perform services on our behalf, such as cloud hosting, data analysis, payment processing, identity verification, and customer service. These parties are contractually obligated to keep your information confidential and use it only for the purposes we specify.
For Legal Reasons: We may disclose information if required to do so by law, regulation, or in response to a valid legal request from a governmental authority.
Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the new entity.
5. Data Retention Time
We will retain your personal information only for as long as is necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
Account Data: We retain your personal and financial information for as long as your account is active. If you close your account, we will retain your data for a period of 5 (five) years from the date of account closure to comply with regulatory obligations, resolve disputes, and enforce our agreements.
Transaction Data: Financial transaction records are retained for a minimum of 5 (five) years as required by Indonesian financial regulations.
Technical Data: We may retain anonymized or aggregated data for analytical purposes indefinitely.
After the retention period expires, we will securely delete or anonymize your personal information.
6. Data Security
We implement appropriate technical and organizational security measures designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, and secure server infrastructure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee its absolute security.
7. Your Rights
Under applicable data protection laws, you have certain rights regarding your personal information, which may include:
The right to access and receive a copy of your personal data.
The right to rectify or update inaccurate or incomplete data.
The right to request the deletion of your personal data.
The right to restrict or object to our processing of your data.
The right to data portability.
To exercise these rights, please contact us using the contact information provided below.
8. International Transfers
Your information may be processed on servers located outside of Indonesia. In such cases, we will ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable laws.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.
10. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Team: Duwit Fintech Indonesia
Email: cyarahnvaqkf@gmail.com