Privacy Policy

1. This Website service is not intended for children under the age of 13. We are unable to identify whether you are a child under the age of 13 or not. If you are a parent or guardian, and you are aware that your child has sent your personal data to us, please contact us immediately. If we identify that the data we collect comes from children under the age of 13 without the permission of their parents, we will remove the data from our servers.
2. If we need consent as a legal basis for processing your information and your country’s jurisdiction (if applicable) requests/requires parental consent, we are able to request consent from your parents before we collect and use the information.

1. This Privacy Policy regulates the use of Personal Data.
2. This Privacy Policy applies to KAYA.ID, its Affiliates, shareholders, managers and supervisors, and their employees, as well as consultants and auditors and explains how We handle personal information and comply with applicable privacy law requirements and other relevant laws governing the handling of personal information (Privacy Law).
3. If we ask you to provide information when using the Website, then that information will only be used to provide services in accordance with the Terms of Service and this Privacy Policy.
4. From time to time, KAYA.ID may revise this Privacy Policy to reflect changes in laws, Personal Data collection and use practices, Site features, or advances in technology. Therefore, you must review this Privacy Policy periodically, so that you are always updated on the latest information, our policies, and practices.

1. The data collected and gathered by us, and the data used by us to identify and contact you when you visit the website and contact us (Contact Us), include:
   • Name (First and Last/Family of person; or legal entity, business entity, or other group representing individuals, legal entities, or business entities, including but not limited to MSMEs, investors, business partners, and individual visitors in general)
   • Email Address
   • Phone Number
   • Information about your access or visit to the Website, including your IP address, standard web log information, including online usage, and other information or online analytics regarding your use of the Website, unless you object to processing in accordance with privacy law rights;
   • Any additional information related to you that you provide to us when you contact us in connection with access or visit or use of Website services, including, among others: GPS location, camera, and reading and writing from your device’s internal or external storage, especially mobile phones.
2. Data Usage                                                                                                                                                           Use of your Personal Data will be collected or gathered automatically when you visit our website. When you access or visit the website through your device, we can and will automatically collect certain information including, among others: the Internet Protocol (IP Address) address of your device, browser type, browser version, the web page you visited, the time and date of your visit, time spent accessing, unique device identifiers, and other diagnostic data. We will also and may collect information sent by your browser when you visit the Website through a device.
3. KAYA.ID can and will use your Personal Data for the following purposes:
   • Provide and manage the Website, including but not limited to monitoring the visit or use of the Website.
   • Enforce the implementation of the agreement between you and KAYA.ID, including the agreement, compliance, and implementation of the cooperation contract for the services provided by the Website.
   • Allows us to contact you through the contact you enter, such as email, phone call, SMS, WhatsApp, or other forms of electronic communication, including notifications about services or other changes to Website policies.

We can and will share your personal information in the following situations:

1. To service providers: We may use various service providers to help us maximize the quality and efficiency of our services and business operations such as cloud service providers and web hosting, software, IT support, analytics, and marketing support,
2. To Affiliates: KAYA.ID can share your Personal Data information with Affiliates, where our Affiliates must and must comply with the terms and this Privacy Policy.
3. To business partners: KAYA.ID may share your Personal Data information with our business partners for they may offer you certain products, services, or promotions related to KAYA.ID’s collaboration with our MSME business partners.
4. To law enforcement by court order: We may use or disclose your Personal Data for law enforcement purposes or the fulfillment of the requirements and obligations of the Applicable Laws or suspected criminal acts.

1. We own all rights and interests in the Website, including all intellectual property rights related to all features contained in it and related intellectual property rights.   KAYA.ID will manage, including but not limited to, names, logos, program codes, designs, trademarks, technologies, databases, processes, and business models, which are protected by copyrights, trademarks, patents, and other intellectual property rights available based on Applicable Law, which is registered under the name of PT LUMINA KAYA INDONESIA.
2. You are prohibited in any way and under any circumstances from using our Intellectual Property Rights as follows:
   • Copy, modify, print, adapt, translate, create copies of, distribute, license, sell, transfer, publicly display, publicly show, reproduce, transmit, broadcast via online or offline media, bypass, disassemble, or otherwise exploit any part of our platform.
   • License, derivative license, sell, resell, transfer, assign, distribute, or otherwise commercially exploit or share our platform and/or other software associated with the Website in any way.
   • Create an internet ‘link’ to our website, frame, or mirror any software on a server (server) or other wireless or internet-connected device.
   • Reverse engineer or access the Website to (a) build a competitive product or service, (b) build a product based on ideas, features, functionality, or graphics similar to the Website, or (c) copy any idea, feature, function, or graphics on the Website.
   • Post, distribute, or reproduce in any way material with copyright, trademark, or other proprietary information without the prior consent of the owner of the property rights.
   • Remove any copyright, trademark, or other proprietary rights notices displayed on the Website. No licenses or rights are granted to you implicitly or otherwise based on intellectual property rights owned or controlled by us and/or our licensors, except for licenses and rights that are expressly granted in the Terms of Service of the Website. You may not use any part of the content on the Website for commercial purposes without previously obtaining a license to do so from us or our licensors.

1. Website Service may have links to other websites that are not operated by us. If you click on a third-party link, you will be directed to a third-party website. We strongly encourage you to read the Privacy Policy on every website you visit.
2. We have no control over this and therefore we are not responsible for the content, privacy policies, or practices of third-party websites and services.

1. All forms of Terms and Conditions are governed and construed based on Indonesian law
2. All disputes or conflicts that arise related to our services and policies, including disputes caused by their existence and/or unlawful acts must be resolved by deliberation for consensus.
3. If within 30 Business Days since the emergence of the dispute cannot be resolved through consensus, then you and us agree to resolve the dispute through arbitration at the Indonesian National Arbitration Board (Badan Arbitrase Nasional Indonesia) that is applicable, with reference to the following provisions:
   • The arbitration proceedings shall be held in Jakarta, Indonesia, in the Indonesian language, and shall appoint a sole arbitrator.
   • The sole arbitrator must render his decision based on the provisions regulated in the Agreement and for matters not regulated in the Agreement, the decision must be made based on the applicable law.
   • The sole arbitrator’s decision applied as a decision of the first instance and is final and binding, therefore the Parties agree and declare not to file a claim on the decision, or demand its annulment in any court or attempt to file a new case in any court against the sole arbitrator’s decision.

We operate in a dynamic business environment. Over time, aspects of our business may change as we respond to changing market conditions. Such conditions may require that this Privacy Policy be reviewed and revised.

We reserve the right to change this Privacy Policy at any time and notify you by posting an updated version of the Privacy Policy on the Website.

This agreement is made in English and Indonesian. Both texts are original. In the event that there is an inconsistency or difference in interpretation between the English text and the Indonesian text, the relevant English text will be deemed to be automatically amended to match and make it consistent with the relevant Indonesian text.