This Privacy Policy applies to the “Kredit Kami” application developed and operated by Wiki Artha Pratama.
“Kredit Kami” serves as an online lending information service aggregation platform, bringing together loan
products from numerous legitimate lending institutions and financial service providers. Through this
application, users can conveniently browse various cash loan products, compare them, and submit applications to
meet their diverse financial needs.
We attach great importance to the protection of your personal information and privacy, and always adhere to the
principles of legality and compliance in collecting, using, and safeguarding your information. Before using this
application, please carefully read this Privacy Policy to fully understand how we handle your personal
information. We strictly comply with the Personal Data Protection Law of Indonesia (UU No. 27 Tahun 2022) and
other relevant laws and regulations, and refer to applicable international information security standards to
fully protect the security of your personal information and your privacy rights.
Policy Statement
This Privacy Policy comprehensively explains how we legally collect, use, store, share, and transfer your
personal information when providing the “Kredit Kami” products and related services. It also introduces the
technical and management measures we take to ensure information security. For your easy understanding, we have
used simple and clear language and explained key terms.
When you register and use this application, it is deemed that you have fully read this Privacy Policy and
agree that we can collect and use your personal information in accordance with this policy and relevant laws
and regulations. Before deciding whether to provide us with sensitive information, please carefully consider
whether to consent to our use of your sensitive information for the purposes and in the manner described in
this policy. We will only collect and use your sensitive information after obtaining your explicit consent to
ensure the normal operation of the “Kredit Kami” service functions. If you refuse to provide sensitive
information, it may result in the inability to use some functions. If you do not agree with or do not
understand all or part of this policy, please immediately stop using our products and/or services. If you have
any questions, please feel free to contact our customer service.
It should be emphasized that this application and services are only available to adults
aged 18 and above. If you are under 18 years old, please immediately stop using the “Kredit Kami” service.
1. Information We Collect and How We Use It
1.1 Account Registration and Login
When you register an account using the Kredit Kami application and related services, we only collect your
mobile phone number as the sole registration information. This mobile phone number is used for identity
verification, account creation, and login authentication, and is an important basis for ensuring account
security, identifying user identities, and ensuring the smooth operation of services. We promise to strictly
abide by relevant laws and regulations and adopt reasonable technical and management measures to protect the
security of your mobile phone number. We will not collect other personal information unless you provide it
actively. If you refuse to provide your mobile phone number or if the mobile phone number fails to pass the
verification, you will not be able to complete the registration or login, which will affect the use of some
service functions. If you have any questions or need assistance during the use, please feel free to contact
the Kredit Kami customer service. We will be dedicated to providing you with support and assistance.
1.2 Collection and Use of Personal Information
To comply with the Indonesian Personal Data Protection Law (UU No. 27 of 2022) and the requirements of
financial regulatory authorities regarding Customer Identification (KYC), Anti - Money Laundering (AML), and
Combating the Financing of Terrorism (CTF), you need to truthfully provide valid identity information during
your use of Kredit Kami services. This information will be used to assist financial cooperation
institutions in conducting risk assessments and loan eligibility reviews. The information includes name,
gender, date of birth, ID type and number, ID photo, biometric data, educational attainment, marital status,
religious belief, emergency contact’s name and phone number, relationship with the emergency contact,
occupation, work unit information, salary income, bank account information, etc.
We may entrust third - parties with legal qualifications to conduct identity verification; at the same
time, in accordance with the law, we may also conduct information verification and comparison with national
agencies or relevant financial institutions that are legally authorized to store data. The collected
information will be used for identity identification, risk assessment, service recommendation, and ensuring
the security of transactions between the platform and users. We promise to collect and use your information
only within the scope necessary for contract performance or service provision, and with your explicit
consent. We will also adopt strict technical and management measures to ensure data security. If you refuse
to provide relevant identity information, it may affect the use of some loan matching functions, but it will
not prevent you from browsing the basic service content of the platform.
1.3 Collection and use of device information
When you use the Kredit Kami application and related services, we may collect the following types of
device information to ensure stable operation of the platform, ensure transaction security, improve service
quality, and strengthen risk control and anti-fraud capabilities:
- Basic device information: In order to maintain platform security, identify devices and
conduct risk control, we may collect some device-related information. This information will be used for
identity authentication, risk assessment and anti-fraud analysis to improve the security and accuracy of
credit services. Even if you choose not to provide the following device information, the use of basic
functions will not be affected, but it may reduce the accuracy of our identification of your risk level,
which will affect the recommendation and evaluation results of loan services. The specific device
information we may collect includes: device name, model, brand, operating system and version, screen size,
memory information, Android ID, IP address, Google Advertising ID (Google Advertising Identifier),
language settings, operator name, network access method and battery status.
- Installed application list information: In order to further improve the level of risk
management and ensure that loan services are legal, compliant, safe and reliable, we may collect the list
of installed applications on your device after obtaining your explicit authorization. By analyzing these
application information, we can identify high-risk potential behaviors such as gambling, illegal loans,
and virtual currency transactions in order to optimize risk models and adjust risk control strategies. The
application-related information we may collect includes: application name, package name, installation and
update time, version number, and whether it is a system application. All collected data will be securely
uploaded to the encryption center and stored at https://pskd5.com. At the
same time, encryption protection measures will be taken. Without your authorization, it will not be used
for other purposes or disclosed to any third party. If you refuse to grant this permission, the basic
functions of the platform will not be affected, but the accuracy of personalized recommendations and risk
judgment may be affected.
- Telephone contact information: When you apply for a loan with our application, in order
to prevent fraud risks, confirm your credit rating and ensure smooth communication with you, we may need
to obtain emergency contact information from your address book. This information includes the contact's
phone number, name, and your relationship with the contact. All collected data will be securely uploaded
to the encryption center, stored at https://pskd5.com, and encrypted.
Without your authorization, it will not be used for other purposes or disclosed to third parties.
- Information about camera permissions: To ensure that the identity verification process
meets security and compliance requirements, when you use the identity verification function, we may
request access to your device's camera to take a photo of your Indonesian Identity Card (KTP) to verify
the authenticity and consistency of your identity information, prevent identity theft and fraud, and
improve the security of verification. The collected image data is used only for identity verification,
stored on https://pskd5.com, and protected by encryption. It will not be
used for other purposes or disclosed to third parties without your authorization. If you refuse to grant
camera permissions, verification may fail, thereby affecting the use of related loan services.
- Image information: When you use the identity verification function, you can also select
a photo of your Indonesian Identity Card (KTP) from the album to verify the authenticity and consistency
of your identity information. We will not request or store any other type of image information. The
collected image data is used only for identity verification, stored on https://pskd5.com, and protected by encryption. It will not be used for
other purposes or disclosed to third parties without your authorization.
- Coarse location information permission: During your use of the Kredit Kami app, we
may collect the coarse location information of your device to verify account security, conduct risk
assessments, and meet relevant regulatory requirements. By analyzing location data, we can identify
abnormal account behavior, such as logging in across regions or applying for loans in different places
within a short period of time, so as to promptly activate risk control mechanisms, prevent fraud, and
ensure account and transaction security. In addition, in accordance with the Indonesian Personal Data
Protection Law (UU No. 27 Tahun 2022) and financial regulatory requirements such as OJK, in certain
circumstances, we need to record users' basic geographic location information to ensure service
compliance. The coarse location data we collect is mainly longitude and latitude. This information is only
used for risk control and compliance purposes and will not be used for advertising targeting or marketing
activities. If you refuse authorization, basic functions can still be used normally, but it may affect our
ability to identify risks, which in turn affects the accuracy of loan matching and risk assessment.
- Notification permission: In order to push important information such as loan progress,
policy updates, risk warnings, etc. to you in a timely manner, we need to obtain your notification
authorization. After authorization, you will be able to receive the above key information in a timely
manner, which will help you better manage your loans and ensure the security of your account. If you
refuse authorization, you may miss some important notifications, but it will not affect your normal
application or use of loan services. We only send information related to loan services through
notification permissions, and will not collect your personal information to fully protect your privacy.
- Activity log information: During your use of this platform, we may collect your
operation logs, including access time, access pages, click records, etc. These log data are used to
analyze the operation status of the platform, evaluate system performance, discover potential faults and
safety hazards, and continuously optimize product functions and user experience. We promise that such log
data will only be used for internal service improvements, strictly confidential, will not be used for
other purposes, and will not be disclosed to third parties without your consent.
2. Use of Personal Information
2.1 Rules for Use of Personal Information
We use your personal information in accordance with the principles of legality, fairness and necessity, and
specifically follow the following rules:
- Limited Scope of Use: We use your personal information only within the scope specified
in this policy for the purpose of providing services. If we plan to use your information for other
purposes not covered by this policy, we will obtain your explicit consent in advance in accordance with
applicable laws, regulations and standards.
- Principle of Minimization: We collect and use your information in a minimized manner
only within the scope necessary to achieve business functions, and avoid excessive processing to ensure
strict compliance with the principle of data minimization.
- Data Processing and Use: In order to ensure data security and improve service quality,
we may de-identify or anonymize the personal information collected. After such processing, the data no
longer points to a specific individual. You acknowledge that we can use this data for analysis, statistics
and product optimization, and we may also disclose it to a third party or the public in the form of
statistical results that do not contain any personally identifiable information.
- Feedback and Responsibility: If you have any questions or disagreements about how we
use or process personal information, you can communicate with us at any time through the "Contact Us" at
the bottom of this policy. If you suffer damage due to our violation of relevant laws and regulations, we
will bear the corresponding liability in accordance with the law.
2.2 Exceptions where consent is not required
In accordance with the Indonesian Personal Data Protection Law (UU No. 27 Tahun 2022) and related
regulations, we can collect and use your personal information without obtaining your prior consent in the
following specific circumstances:
- Legal obligation fulfillment: to fulfill our obligations under the law;
- National security field: directly related to national security and defense-related matters;
- Public interest category: related to public security, public health or major public interests;
- Law enforcement procedures: involving law enforcement procedures, such as criminal investigations,
prosecutions, trials and execution of judgments;
- Emergency rights protection: to protect the life and property safety of you or others and other major
legal rights and interests, especially when your consent cannot be obtained in time in an emergency;
- Contract-related matters: to meet the contract requests made by you as a party, as well as the
performance and signing of the contract;
- Service operation guarantee: to ensure the safe and stable operation of the products and services we
provide, such as detecting and handling system vulnerabilities, product failures or service anomalies;
- Law and regulation provisions: other circumstances otherwise stipulated by laws, regulations and
government regulations.
In the above situations, we will use your personal information in a reasonable manner within the minimum
necessary scope and consistently take effective measures to ensure information security and compliance
management.
3. Sharing of Personal Information
3.1 Disclosure of Information Based on Legal Obligations
You are aware and acknowledge that we may disclose your personal information to government agencies, courts
or other legally authorized institutions without your prior consent in the following circumstances:
- Legal and regulatory requirements: when applicable laws and regulations clearly state such requirements;
- Prevention of illegal transactions: to prevent or prevent fraud, unauthorized transactions or other
illegal transactions;
- Investigation of fraud: to investigate actual or suspected fraud.
For the above disclosures, you expressly waive any legal claims, claims or claims against us for
compensation.
3.2 Third-party sharing required for services
We may share your personal information with third parties (including but not limited to various service
providers) to the extent necessary to provide you with services. If a third party actively requests
information, we will investigate it at our discretion even if we have no legal obligations. In addition, we
will obtain your explicit consent in advance before providing relevant information to third parties if we
deem it reasonable.
It should be emphasized that this Privacy Policy only applies to the Kredit Kami platform and does not
apply to any third-party service providers independent of us. You understand and agree that third parties
may implement their own data processing policies, and we recommend that you carefully review their privacy
policies. Kredit Kami is not responsible for any damages that may be caused by third parties during data
processing, and you agree to waive any claim or legal liability against Kredit Kami for such
circumstances.
3.3 Cross-border data processing
You understand and agree that Kredit Kami may transfer, store and process your personal information in
Indonesia or other jurisdictions with legal data protection mechanisms. However, it should be noted that all
data processing activities are always subject to the Indonesian Personal Data Protection Law (UU No. 27
Tahun 2022) and related regulations.
3.4 Sharing of anonymous data
We may desensitize or de-identify your personal information so that it cannot be pointed to a specific
individual (i.e., "anonymize"), and apply such information to product optimization, service analysis,
database management, etc. Such anonymous data may be shared with partners, research institutions or other
third parties, and does not contain any information that can identify you.
3.5 Restriction on information sale and rental
We will never sell, lend or rent any of your personal information to any third party.
3.6 Authorization for credit data sharing
In order to establish and improve the user credit evaluation system, you expressly agree and authorize
Kredit Kami to collect, query and verify your credit status-related information in accordance with the
law, and provide this information to third-party credit information service agencies for loan review, risk
assessment and other legal purposes related to the service.
4. Personal Information Protection Measures
We fully understand that the security of your personal information is of vital importance to you, so we
always put it first. We strictly follow the Indonesian Personal Data Protection Law (UU No. 27 Tahun 2022) and
relevant regulatory requirements, use mature, safe and reasonable technical means and management methods,
refer to industry standards, and do our best to protect your information security. Specifically, the security
protection measures we implement cover the following aspects:
- Data encryption and isolation: All collected data will be uploaded to the data center
located at https://pskd5.com in an encrypted and secure manner for isolated
storage to prevent unauthorized access and information leakage.
- Access control mechanism: Only authorized personnel can access your personal information
according to the permissions they are granted. At the same time, we will regularly review the allocation of
permissions to ensure the rationality and security of access.
- Security audit and risk management: By conducting regular security checks, vulnerability
scans and log audits, we can promptly detect and deal with potential security risks to ensure that the
system is always in a safe and stable operating state.
- Employee management and training: We conduct strict background checks on our employees
and regularly organize data protection and privacy security training to ensure that our employees fully
comply with relevant regulations and standards when handling information.
Although we have taken many strict security measures, please understand that there is no absolutely secure
system in any network environment. Once a security incident occurs, such as data leakage, tampering or loss,
we will immediately activate the emergency plan, notify you as soon as possible, and report to the relevant
competent authorities in accordance with the law, and assist you in taking corresponding risk mitigation
measures.
5. Protect your right to manage personal information
We highly respect and fully protect your control over personal information. According to relevant Indonesian
laws and regulations, you have the right to access, correct, delete personal information, withdraw
authorization and close your account. We promise to provide you with a clear and convenient way to help you
exercise these rights, so that you can better control your personal information.
5.1 Deleting personal information and accounts
If you want to delete personal information and account information and stop using our services, you can do
so in the following two ways:
- Open the application, find the "Delete Data" function entrance in the "My" section, and delete the data
related to your account by yourself.
- Send an email to wikiarthapratama@gmail.com to request
account deletion. We will complete identity verification within 30 working days and process your request
as soon as possible.
Once the account is deleted, we will no longer provide services to you, and we will delete or anonymize
your relevant information in accordance with legal provisions.
It should be noted that according to the relevant regulations of the Financial Services Authority of
Indonesia (OJK), we may retain some necessary information such as transaction records, compliance documents,
etc. in accordance with the law to fulfill legal obligations or handle disputes and complaints.
5.2 Revocation of authorization
If you have previously authorized us to access certain device permissions such as camera, rough location
information, etc., you can revoke the authorization yourself through the device system settings. However,
you need to know that revoking authorization may cause some functions to not work properly.
6. Third-party access and data sharing policy
In order to continuously improve the performance of this application and optimize the user experience, we
sometimes transmit aggregated and anonymized data to external service providers. This data has removed all
information that can identify you and is only used for service analysis and improvement.
It should be noted that the third-party services accessed by this application will process relevant data in
accordance with their respective privacy policies. It is recommended that you carefully read the privacy
policies of the following third-party service providers to clearly understand their specific data collection
and use methods:
These third-party service providers may disclose information actively provided or automatically collected by
users in the following situations:
- Legal and regulatory requirements: For example, when receiving a court subpoena or other legal procedure
requirements;
- Legitimate interest protection: covering the maintenance of its own legal rights and interests, protecting
the safety of users or others, investigating fraud, or responding to requests from government agencies;
- Entrust trusted third parties to process services: partners who come into contact with information due to
the performance of specific functions. Such third parties must comply with the confidentiality and data
protection provisions in this privacy policy.
Opt-out rights: If you do not want us to continue collecting your information, you can
uninstall this application at any time. You can uninstall in the following ways:
- Use the uninstall function of the device system;
- Complete the uninstall through the app store or platform you use.
After uninstalling, we will stop collecting any information from you and terminate the provision of related
services.
7. Use of Cookies
In order to provide you with a better access experience, we may use cookies (including Flash cookies or other
local storage technologies). This helps to identify you, save your time of repeated logins, and ensure the
security of your account.
You should be aware that if you change the cookie settings (such as rejecting or deleting cookies), it may
affect the normal use of our website or application, and the availability and security of some services may
also be affected.
8. Privacy protection of minors
We attach great importance to the protection of personal information of minors. According to Indonesian laws
and regulations, Kredit Kami's services are only available to users who have completed real-name
registration and are over 18 years old. Users under the age of 18 cannot register, apply for loans or use
related services, but can access limited browsing content without registration.
We will not intentionally collect any personal information of minors. If you are the guardian of a minor and
find that we have collected information about a minor, please contact us as soon as possible via email at wikiarthapratama@gmail.com and we will assist you in deleting
the relevant information as soon as possible.
9. Updates and changes to the Privacy Policy
We may update this Privacy Policy and related content, such as terms of service, disclaimers, and function
descriptions, from time to time. We have the right to modify this Privacy Policy at any time and recommend
that you review the content of this policy regularly.
If there are major changes to the Privacy Policy, we will inform you in a prominent manner on the homepage of
the website or in the application. If you continue to use our services after the policy is updated, it means
that you have read, understood and accepted the updated content.
