Privacy Policy

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Effective from
July 24, 2023

Confidentiality of Personal Information is of utmost importance to PT Kharisma Catur Mandala (“We”). We are committed to protect and respect user’s privacy (“you”) when accessing and using our services (“Our Services”).

This Privacy Policy sets out the basics on how we use the personal information we collect and/or provide you with (“Personal Information”). This Privacy Policy applies to all users of Our Services, unless set out in a separate Privacy Policy. Please read our Privacy Policy carefully so that you can understand our approach and how we use the information.

This Privacy Policy covers the following matters:

  1. Personal Information We May Collect
  2. Use of Personal Information
  3. Disclosure of Personal Information
  4. Retention of Personal Information
  5. Your rights
  6. Cookies Policy
  7. Recognition and Consent
  8. Marketing Materials
  9. Changes in Our Privacy Policy
  10. How to Contact Us

By visiting and/or registering an Account on Our Services, you and/or your parent or guardian (if you are under 18 (eighteen) years of age) accept and agree to the approach and methods described in this Privacy Policy.


We may collect Personal Information in the form of:

1. The information you provide. 

You can provide information through electronic forms on Our Services or by correspondence through telephone, electronic mail, and so on. This information includes information that you provide when registering with our services, subscribing to our services, searching for products, participating in online discussions or other social media functions on our services, participating in competitions, promotions, or surveys, and when you report problems with our services. The information you provide may include your name, address, e-mail address, telephone number, financial and credit card information, personal description, photos, and other data. We may ask you to verify the information you provide, to ensure the accuracy of the information.

2. Information we collect. 

For each of your visits to our services, we may collect the following information automatically:

  1. Technical information, including the Internet Protocol address (IP address) used to connect your computer to the internet, your log in information, browser type and version (browser) used, time zone settings, browser plug-in type and version , our operating system and services;
  1. Information about your visit, including a complete list of Uniform Resource Locators (URLs) visited to, through and from Our Services (including date and time); the product you are viewing or searching for; page response times, download issues, length of visits to certain pages, interaction information on the page (such as scrolling, clicks, or mouse movements), the method used to leave the site, and the phone number used to contact our customer service.

3. Information we receive from other sources. 

  1. We may receive information if you use other sites that we operate or other services we provide. We also work with third parties (including, but not limited to, for example, business partners, sub-contractors in technical services, payment and delivery services, advertising networks, analytics providers, information retrieval providers, and credit reference agencies) (“Our Partners ”) and can receive information from them. We will take steps within reasonable limits to verify the information we get from other sources in accordance with Applicable Regulations.
  2. We may obtain information about you from any government authority or regulatory body such as credit bureau agencies (for example, Finance Information Service of Indonesia (SLIK)) if we consider it necessary or desirable for the purposes of providing our products and services to you.


We use Personal Information in the following ways:

We may use personal information collected through our Service site to contact you regarding the products and services offered by us and/or our partners and vice versa to improve your experience with us and/or our partners. Personal information will not be sold or transferred in ways that violate applicable laws and regulations, except in the case that we disclose the information we collect to the government or other authorized parties if required by applicable laws and regulations.


We may share or disclose Personal Data with members of Our business group, which includes branches and subsidiaries, as well as the main parent company and its subsidiaries. We may share Personal Data with third parties, including:

  1. Business partners, suppliers and sub-contractors in regards of the contracts that we get into with them or you.
  1. Advertisers and ad networks that need data to select and offer relevant ads to you and other users. We do not disclose information about identifiable individuals, but We may provide them with aggregate information about Our users (e.g. information that 500 men under the age of 40 have accessed their advertising link on a given day). We may also provide aggregated information to assist advertisers in reaching specific target audiences (e.g. 50 women in Central Jakarta). We may use the personal data we collect to fulfill advertisers' requests by showing their ads to that target audience.
  1. Providers of analytics and search engines that help us to improve and optimize our services.
  1. We may disclose information to third parties:
  1. In situations where we sell or buy companies and/or assets, we may disclose data to potential buyers or sellers of such companies or assets.
  2. If we or our parent company or substantial assets related therein are acquired by a third party, the Personal Data held about our customers will be one of the transferred assets.
  3. If We are under a responsibility to disclose or share data in order to comply with legal obligations and other agreements; or protect the rights, property, or safety of PT Kharisma Catur Mandala, our customers, and others. This includes exchanging information with other companies and organizations for the purpose of fraud protection and credit risk reduction.


Personal information that you provide to us may be  collected by our partner on our behalf via the online platform services they provide to enable us to offer Our Services to you. We store collected information on secure servers. All payment transactions on Our Service will be encrypted. By submitting your Personal Information to Our Services,

you agree to the transfer, storage, and processing that occurs on our Services. We will take steps within reasonable limits to ensure that Personal Information is treated securely and in accordance with the Privacy Policy and Applicable Regulations.

All Personal Information that you provide will be stored by us: (i) for as long as you are still a user of our services and (ii) for at least 5 (five) years from the date on which you stop using our services; or (iii) in accordance with the original purpose for which the Personal Information was collected.

In situations where we provide (or you choose) a password that allows you to access certain parts of our service, you are responsible for maintaining the confidentiality of this password. You are not allowed to share your password with anyone.

Please note that the transmission of information over the internet is not completely secure. Nonetheless, We will try our best to protect such Personal Information. We cannot guarantee the security of data sent to our Services; the risk of any transmission is your responsibility. Once we receive your Personal Information, we will use strict procedures and security features to prevent unauthorized access.


You can request the deletion of your Personal Information on Our Services or withdraw your consent to any or all collection, use or disclosure of your Personal Information by giving us reasonable notice in writing via the contact details listed in section J of this Privacy Policy. 

Depending on the circumstances and nature of the request you request, you must understand and acknowledge that after the withdrawal of such consent or removal request, you may no longer be able to use Our Services. Withdrawal of your consent may result in the termination of your Account or your contractual relationship and transactions with us, with all rights and obligations arising in full compliance. Upon receipt of a notification to withdraw consent for the collection, use or disclosure of your Personal Information, We will inform you of the possible consequences of such withdrawal so that you can decide whether or not you wish to withdraw your consent.

You can ask Us to access and/or correct your Personal Information which is in our possession and control, by contacting us at the details provided below.

Our Services may, from time to time, contain links to and from websites belonging to Partner networks, advertisers and other affiliates. If you follow a link to one of these sites, please note that these sites have their own Privacy Policies and that We are not responsible or liable for those policies. Please check these policies before you submit any information to these sites.


When you use our services, we may place a number of cookies on your browser. Cookies are small digital files containing letters and numbers that we store on your browser or computer hard drive with your consent. Cookies contain information that is transferred to your computer's hard disk.

Cookies may be used for the following purposes: (1) enable certain functions, (2) provide analysis, (3) store your preferences; and (4) enabling the delivery of advertising and behavior based advertising. Some of these cookies will only be used if you use certain features, or choose certain preferences, while some other Cookies will always be used.

We use cookies for the following reasons:

  1. Cookies are required for the operation of Our Services. This includes, for example, Cookies that allow you to enter secure areas of Our Services, use a shopping cart, or use electronic billing services.
  1. Cookies allow us to recognize and count the number of visitors and see how visitors move around our services when they use them. This helps us improve the way our services work, for example, by ensuring users find what they are looking for easily and precisely.
  1. Cookies are used to identify you when you return to our services. This allows us to personalize our content for you, greet you by name, and remember your preferences (for example, your choice of language or region).
  1. Cookies record your visit to Our Services, the pages you have visited, and the links you have followed. We will use this information to make Our Services and the advertisements posted therein more relevant to your interests. We may also share this information with third parties for that purpose.

Please note that third parties (including, for example, advertising networks and external service providers such as web traffic analysis services) may also use these cookies, over which we have no control. These cookies tend to make Our Services and the advertisements displayed on them more relevant to your interests, as well as improve the performance of Our Services.

You can delete Cookies by performing the clear data function on your web browser which allows you to refuse the setting of all or part of Cookies. However, you may not be able to access all or part of our Services.


By agreeing to the Privacy Policy, you and/or your parent or guardian (in case you are 18 (eighteen) years old) acknowledge that you have read and understand this Privacy Policy and agree to all its terms. In particular, you agree and give consent for us to collect, use, share, disclose, store, transfer or process your Personal Information in accordance with this Privacy Policy.

In the event that you provide Personal Information relating to other individuals (e.g. Personal Information relating to your spouse, family members, friends, or other parties) to us, then you declare and guarantee that you have obtained the consent of that individual to, and by hereby consent on behalf of such individuals to, the collection, use, disclosure and processing of their Personal Information by us.


We and Our Partners may send you and/or your parent or guardian direct marketing, advertising, and promotional communications via web browser, post, telephone calls, instant messaging services, email and/or other messaging applications (“Marketing Materials” ) if you have agreed to subscribe to our mailing list, and/or agree to receive marketing and promotional materials from us. You may opt out of receiving such marketing communications at any time by contacting us via the contact details listed in section J of this Privacy Policy. Please note that if you choose to opt out, we may still send you non-promotional messages, such as receipts or information about your account.


Any changes we make to our Privacy Policy in the future will be published on this page and, when necessary, notified to you by email and/or other appropriate means. Please revisit this page from time to time for updates or changes to our Privacy Policy.


If you have any questions regarding this Privacy Policy or you wish to gain access to and/or make corrections to your Personal Information, please contact us via