Effective Date: February 27, 2026
This Privacy Policy governs the collection, use, storage, and disclosure of your personal information when you use the CashLink mobile application (the "App") developed by PT IDMS (hereinafter referred to as "we", "us", or "our"). We are committed to protecting your privacy and complying with applicable data protection laws, including the General Data Protection Regulation (GDPR) and Google Play Store's Data Safety Requirements. By downloading, installing, and using the App, you acknowledge and agree to the practices described in this Privacy Policy.
If you have any questions, concerns, or requests regarding this Privacy Policy or the processing of your personal information, please contact us at: official.jafarsidik@gmail.com.
1. Information We Collect
We collect personal information and non-personal information that you provide directly or that is automatically collected when you use the App. The information we collect is strictly necessary to provide, improve, and secure the App's services, and we only collect data that is relevant to the functionality of the App. Below is a detailed breakdown of the information we collect, the permissions we request, and the specific purposes for which each type of information is used.
1.1 Location Information (Coarse Location & Precise Location)
We request permission to access your coarse location (approximate location) andprecise location (exact GPS coordinates) through the App. This permission is optional, and you may choose to deny or revoke it at any time through your device settings. However, denying this permission may affect the functionality of certain features of the App.
Purposes of Use:
• To provide location-based services related to your financial activities, such as finding nearby ATMs, bank branches, or cash withdrawal points that are compatible with your CashLink account.
• To verify your location for security purposes, particularly when conducting high-value transactions or accessing sensitive account features, to prevent fraudulent activities and protect your funds.
• To improve the App's user experience by tailoring recommendations (e.g., local financial services, promotions) based on your approximate location, without disclosing your exact location to third parties.
• To comply with regional financial regulations that require location verification for certain financial transactions or services.
We do not share your precise location with third parties unless required by law or with your explicit consent. We may anonymize location data (remove all personal identifiers) for analytical purposes to improve our services.
1.2 Device Information
When you use the App, we automatically collect certaindevice information from your mobile device. This information is collected automatically upon downloading and launching the App, and no additional action is required from you.
Types of Device Information Collected: Device model, operating system (OS) version, unique device identifiers (e.g., IMEI, Android ID), screen resolution, network type (Wi-Fi, mobile data), battery level, and device manufacturer.
Purposes of Use:
• To ensure the App is compatible with your device and to provide technical support in case of issues (e.g., troubleshooting crashes, errors, or performance problems).
• To enhance the App's security by identifying and blocking suspicious devices or unauthorized access attempts (e.g., detecting devices that have been rooted or jailbroken, which may pose a security risk to your account).
• To optimize the App's performance and user experience by adapting the App's features to your device's capabilities (e.g., adjusting UI elements for different screen sizes).
• To analyze usage trends (e.g., which device models are most commonly used with the App) to improve future updates and feature development.
1.3 Diagnostic Information & Crash Logs
We collect diagnostic information and crash logs from your device when you use the App. This information is collected automatically when the App encounters an error, crashes, or experiences performance issues.
Types of Information Collected: App version, error codes, timestamps of crashes/errors, steps taken before the crash, device performance data (e.g., CPU usage, memory usage), and other technical details related to the App's operation.
Purposes of Use:
• To identify, diagnose, and fix technical issues (e.g., app crashes, freezes, or functional errors) to ensure the App runs smoothly and reliably.
• To prevent recurring issues by analyzing patterns in crash logs and diagnostic data, allowing us to release updates that address common problems.
• To improve the App's stability and performance by understanding how the App interacts with different devices and OS versions.
• Crash logs and diagnostic data do not contain personal identifiers (e.g., your name, email, or account details) and are used solely for technical improvement purposes.
1.4 Email Address
We collect your email address when you register for a CashLink account, log in using your email, or contact our customer support. This information is provided by you voluntarily.
Purposes of Use:
• To verify your identity during the account registration process (e.g., sending a verification link to confirm your email address).
• To send you important account notifications, such as password reset instructions, transaction confirmations, account updates, and security alerts (e.g., if there is unusual activity on your account).
• To respond to your customer support inquiries and provide assistance when you contact us via email.
• To send you occasional updates about the App (e.g., new features, improvements, or promotional offers), which you can opt out of at any time by clicking the "unsubscribe" link in the email.
We will not share your email address with third parties for marketing purposes without your explicit consent.
1.5 User Payment/Receiving Account Information
We collect user收款账户信息 (user payment/receiving account information) when you add a payment method or a receiving account to your CashLink account. This information is provided by you voluntarily and is considered sensitive personal information as defined by applicable data protection laws.
Types of Account Information Collected: Bank account number, bank name, account holder name, mobile number linked to the bank account, and other relevant payment details (e.g., e-wallet account information) necessary to process transactions.
Purposes of Use:
• To process your financial transactions, including sending and receiving money, transferring funds, and withdrawing cash through the App.
• To verify the validity of your payment/receiving accounts to prevent fraudulent transactions and ensure compliance with anti-money laundering (AML) and financial regulations.
• To maintain accurate records of your transactions for accounting and auditing purposes, as required by law.
• To provide you with transaction confirmations and account statements that include details of your payment/receiving activities.
We take strict security measures to protect your payment/receiving account information (see Section 4 for details) and will never share this information with third parties except for the purpose of processing transactions (e.g., with your bank or payment processor) or as required by law.
1.6 Installed Apps
We request permission to access a list of apps installed on your device. This permission is optional, and you may choose to deny or revoke it at any time. Denying this permission will not affect the core functionality of the App.
Purposes of Use:
• To detect and prevent security risks, such as identifying malicious apps or apps that may interfere with the App's functionality or compromise your account security.
• To improve the App's compatibility by identifying apps that may conflict with CashLink, allowing us to resolve compatibility issues in future updates.
• To provide relevant features or integrations (e.g., if you have a compatible e-wallet app installed, we may offer seamless integration to facilitate transactions).
• We do not collect any data from the installed apps themselves (e.g., app usage data, content) – we only collect the name and package name of the installed apps for security and compatibility purposes.
1.7 App Interaction Data
We collect app interaction data when you use the App, which includes information about how you interact with the App's features and content. This data is collected automatically as you use the App.
Types of Interaction Data Collected: Features used (e.g., money transfer, cash withdrawal, account management), time spent on each feature, buttons clicked, transaction history (excluding sensitive payment details), and user preferences (e.g., language settings, notification preferences).
Purposes of Use:
• To understand how users interact with the App, identify popular features, and improve the App's user interface and functionality to provide a better user experience.
• To personalize your experience by tailoring the App's features and recommendations to your usage habits (e.g., prioritizing frequently used features on the home screen).
• To analyze usage trends and user behavior to inform future feature development and updates (e.g., adding new features that users frequently request).
• To detect and prevent unusual or fraudulent activity (e.g., unusual interaction patterns that may indicate unauthorized access to your account).
2. How We Use Your Information
In addition to the specific purposes outlined above for each type of information, we may use your personal information for the following general purposes:
• To provide, maintain, and improve the App and its services, ensuring that the App functions as intended and meets your needs.
• To protect the security and integrity of the App, your account, and your personal information, including preventing fraud, unauthorized access, and other security threats.
• To comply with applicable laws, regulations, and legal obligations (e.g., AML, KYC, tax requirements), including responding to legal requests from authorities.
• To communicate with you about the App, including sending updates, security alerts, and customer support responses.
• To anonymize and aggregate your data (remove all personal identifiers) for analytical purposes, which helps us improve our services and develop new features without compromising your privacy.
We will never use your personal information for purposes that are not disclosed in this Privacy Policy without your explicit consent.
3. Disclosure of Your Information
We understand the importance of keeping your personal information private, and we will not disclose your personal information to third parties except in the following circumstances:
• Service Providers: We may share your personal information with trusted third-party service providers who assist us in providing and improving the App's services (e.g., payment processors, cloud storage providers, technical support providers). These service providers are contractually obligated to protect your personal information and only use it for the purposes for which we disclose it to them.
• Legal Requirements: We may disclose your personal information if required by law, regulation, or legal process (e.g., a court order, subpoena, or request from a regulatory authority) to comply with our legal obligations.
• Security and Fraud Prevention: We may disclose your personal information to law enforcement agencies, financial institutions, or other third parties to prevent or investigate fraud, unauthorized access, or other illegal activities, and to protect the safety of our users and the public.
• Consent: We may disclose your personal information to third parties with your explicit consent (e.g., if you choose to integrate the App with a third-party service).
• Anonymized/Aggregated Data: We may share anonymized and aggregated data (data that does not identify you personally) with third parties for analytical, research, or marketing purposes.
4. Security of Your Information
We take the security of your personal information seriously and implement appropriate technical, administrative, and physical security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include:
• Encryption of sensitive personal information (e.g., payment/receiving account information, email address) during transmission and storage, using industry-standard encryption protocols (e.g., SSL/TLS).
• Secure storage of data on encrypted servers, with access restricted to authorized personnel only.
• Regular security audits and updates to the App and our systems to address potential vulnerabilities.
• Implementation of access control measures to ensure that only authorized employees have access to your personal information, and that such access is limited to the scope of their job responsibilities.
• Training for our employees on data protection and privacy best practices, to ensure that your personal information is handled securely and in compliance with this Privacy Policy.
While we take all reasonable measures to protect your personal information, no method of transmission or storage is 100% secure. Therefore, we cannot guarantee the absolute security of your information, and you use the App at your own risk.
5. Your Rights
Under applicable data protection laws, you have certain rights regarding your personal information. You may exercise these rights by contacting us at official.jafarsidik@gmail.com. Your rights include:
• Right to Access: You have the right to request a copy of the personal information we hold about you.
• Right to Correction: You have the right to request that we correct any inaccurate or incomplete personal information we hold about you.
• Right to Erasure: You have the right to request that we delete your personal information, subject to certain legal obligations (e.g., if we need to retain the information to comply with law).
• Right to Restriction of Processing: You have the right to request that we restrict the processing of your personal information in certain circumstances (e.g., if you dispute the accuracy of the information).
• Right to Data Portability: You have the right to request that we provide your personal information in a structured, machine-readable format, so that you can transfer it to another data controller.
• Right to Withdraw Consent: If you have given us consent to process your personal information, you have the right to withdraw that consent at any time. Withdrawing consent will not affect the lawfulness of processing based on consent before its withdrawal.
We will respond to your request within a reasonable timeframe (as required by law) and will not charge you for exercising your rights, unless the request is excessive or unfounded.
6. Retention of Your Information
We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to comply with legal obligations, resolve disputes, and enforce our agreements. Once your personal information is no longer needed, we will securely delete or anonymize it.
Specific retention periods:
• Payment/receiving account information and transaction history: Retained for the period required by applicable financial regulations (usually 5-7 years) after the last transaction or account closure.
• Device information, diagnostic data, and crash logs: Retained for 1 year after collection, unless needed for technical troubleshooting or legal purposes.
• Email address and account information: Retained for as long as your CashLink account is active, and for 1 year after account closure (to resolve any outstanding issues).
• App interaction data: Retained for 2 years after collection, unless used for ongoing improvement of the App.
7. Children's Privacy
The App is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13 without the consent of a parent or guardian, we will immediately delete that information and terminate the child's account. If you believe that we have collected personal information from a child under 13, please contact us at official.jafarsidik@gmail.com.
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, applicable laws, or the App's features. When we make changes, we will update the "Effective Date" at the top of this Privacy Policy and notify you through the App or via email (if you have provided your email address). We encourage you to review this Privacy Policy regularly to stay informed about how we are protecting your personal information.
Your continued use of the App after the updated Privacy Policy takes effect constitutes your acceptance of the changes.
9. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, the processing of your personal information, or the App's data practices, please contact us at:
Developer: PT IDMS
Email: official.jafarsidik@gmail.com
We will respond to your inquiry as soon as possible and work to resolve any issues you may have.
|（注：文档部分内容可能由 AI 生成)