Privacy Statement

The following Privacy Policy explains how International Journal of Financial Systems (IJFS) (“We”) acquire, collect, use, store, disclose, and delete User Information who have registered on our business platform available through the website at“Site”) and the smartphone application (“Application”).

This Privacy Policy is our real commitment to respect and protect every Specific Individual Data (“Information”) and as a form of our compliance with the applicable laws in Indonesia. This Privacy Policy is an integral part that cannot be separated from the Terms and Conditions (“User Terms”), by agreeing to the User Terms, you are considered to have read, understood, and agreed to our Privacy Policy.

The user is any individual who registers on our site or application, either acting on their behalf or acting on behalf of a company.

Information is any accurate and real statement that is inherent and can be identified, either directly or indirectly, for each individual whose utilisation is according to the provisions of the law.

Acquisition and Collection of Your Information.

We collect information that identifies or can be used to identify, contact, or locate you including the device associated with such information, with the purpose of processing your transactions, managing and facilitating the use of the Site and Application, and other purposes allowed by applicable laws.

Information consists of:

  1. Personal information includes, but is not limited to, name, address, date of birth, occupation, phone number, fax number, email address, bank account and credit card details, identification (including ID, Driver's Licence, or Passport) or other identification issued by the government;
  2. Non-personal information is identifiable information, including but not limited to your Internet Protocol (“IP”) address, geographical location data, operating system type, nationality, search preferences, as well as other general data related to Internet use.

The way we obtain your information is as follows:

Storage of Your Information

Your Personal Information will only be stored as long as necessary to fulfill the purpose of its collection, or as long as storage is required or permitted by applicable laws. We protect your information under our control by maintaining reasonable security settings based on the standards set by applicable laws and based on reasonable caution, including physical, technical, and organisational procedures, to prevent unauthorised access, collection, use, disclosure, copying, modification, and deletion by external parties other than you, us, and our affiliates.

You are also responsible for the security of your information you provide and if in the future there is a data hacking caused by your negligence as a user then we are not responsible for any loss you suffer.

Disclosure of Your Information

The disclosure of Your Information is done to support Our services such as in case of delivery, receipt confirmation, in terms of creditworthiness to credit rating agencies or other financial institutions.

Your information disclosure activities include but are not limited to sending, announcing, and disseminating your information. We may also disclose your personal information to various law enforcement agencies and governments around the world for security, customs, and immigration purposes. Other than what we have described previously We will not disclose your personal information without your consent.

Deletion of Your Information

We will delete your information in accordance with the provisions of applicable laws.

Our Discretion

We may at any time make changes or updates to our Privacy Policy without prior notice to you, therefore after registering on our Site or Application, you are responsible for accessing our Application and Site periodically to get the latest information including but not limited to updates or changes contained in this Privacy Policy.

By continuing to access and use our services then you are considered to agree to changes in our Privacy Policy.

This Privacy Policy is made according to Indonesian law.