TERMS AND CONDITIONS

Congratulations on downloading the YukTakaful mobile application.

We suggest that before using the YukTakaful Mobile Application, You need to first read and understand the terms and conditions applies. The following terms and conditions are for Mobile Application users, in the form of content and / or content, service, services and other features available on therein.

By using a Mobile Application, means you have understood and agree and be bound and subject to all the terms and conditions applies in this Mobile Application.

DEFINITION

Every word or term in these Terms and Conditions has the following meanings, unless the word or term is in usage firmly determines otherwise.

1.1. “We”, means that PT. Takaful crowdfunding as the owner and platform manager consisting of Mobile Applications and Sites named YukTakaful.

1.2. “You”, means everyone who downloads, install and use YukTakaful Mobile Application services and services. And or access the YukTakaful Site, then use the services and services that are provided by Us.

1.3. “Service”, means all services, features and information on the Mobile Application and the YukTakaful Site.

1.4. “User”, means everyone is using the service and YukTakaful Mobile Application services and / or those who access and use services and services provided by our site. Unregistered User and Registered User.

1.5. “Unregistered User“, means everyone who is accessing our site and have not registered yet.

1.6. “Registered User”, means everyone who is access and use services and services provided by us, and has registered and has an account on the Mobile Application and Site We.

1.7. “Third party”, means the other party, including but not limited to the bank, multi, peer to peer lending, brokers and insurance service providers, mutual fund selling agent, transfer fund, telecommunication, dll which provides its services in the Mobile Application and Site.

1.8. “Personal information”, means each and every data personal information provided by the User on the Mobile Application and Our Site, including but not limited to full name, place and date of birth, gender, address, identity number, debtor information, family card, Act birth, marriage certificate, Act, proof of ownership, KTP, NPWP, business permit, letter of guarantee, income data, user location, user contact, and documents and other supporting data as requested in the summary account registration as well as in the application summary submission.

1.9. “Content”, means text, data, information, numbers, picture, graphic, photo, audio, video, user name, information, application, link, comment, rating, design, or other material displayed on the Site.

1.10. “Mobile application”, means a mobile application YukTakaful which is downloaded on the Google Playstore or AppStore.

1.11. “Site”, mean www.yuktakaful.com

2. USER ACCESS SETTINGS

If you choose yourself or given a unique code, passwords or other information in connection with Our security procedures, You must treat this information with secret and careful. You cannot provide that information to third party.

We have the right to disable any unique code or password, well you choose yourself or that we make, in any time, if in our view you has failed to implement these Terms of Use.

When You know or suspect that someone else knows your unique code or password, You are obliged to notify and contact us.

3. SERVICE AND SERVICE

On the Mobile Application, We provide information regarding insurance products provided by Third Parties. This service allows you to be able to see, examine, read, do closure insurance and filing insurance claims.

The information contained in the Mobile Application is displayed in reality for general information purposes. We strive to always provide and present the most recent and accurate information, However, we do not guarantee that any information is timely or relevant to your needs.
The information contained in this Mobile Application is provided to assist you in choosing a product or service that suits your needs. You are fully responsible for decisions regarding the selection of products and services, or in signing a contract relating to a product or service. By providing us with details about yourself, it is assumed that you volunteered to obtain a particular product or service.
The services we provide are not coercive or binding, and does not require you to follow the information provided. There is no situation or situation that can make us liable for any possible losses that you experience due to decisions made by yourself regarding actions regarding product information that we convey on the Mobile Application and the Site..
We have the right to display at any time, change, remove, eliminate, or add any content displayed in the Mobile Application and this Site.

4. USE OF SERVICES AND SERVICES

By using this Mobile Application, mean You have stated and guaranteed us that :

4.1. You are only allowed to access and / or use this Application and Site for personal and non-commercial purposes, which means that this Mobile Application may only be accessed and used directly by individuals, a community or business that is looking for a product or service for an individual, community or business. Access and use of Mobile Applications outside of personal or non-commercial purposes is strictly prohibited, and violates these Terms and Conditions.

4.2. You are not allowed to use the Mobile Application in the following cases:

In a way that is against the law, fraudulent acts or commercial actions.
Violate or infringe on the rights of others, including without exception : patent, trademark, Copyright, trade secret, publicity, and other property rights.
To hurt, excruciating, humiliate, slander, tarnish the good name, threatening, intimidate or annoy other people or businesses, or anything that violates privacy or that we consider obscene, insulting, full of hatred, indecent, inappropriate, not appropriate, not acceptable, discriminates against or damages.
To make, check, update, modify or repair the database, records or directories of yours or others.
Changing or rearranging any part of this Mobile Application that would interfere or put excessive burden on our communication and technical systems.
Uses automatic computer code, process, program, robot, data processing, trawling or computer code, process, alternative screen scraping programs or systems.
Violating Terms and Conditions, or other instructions on this Mobile Application.
We are not responsible for losses due to failure to use the Mobile Application, and methods of use that are beyond our control.
We are not responsible or liable for any loss or damage that is unexpected when you access or use the Mobile Application. This includes losing expected savings, lost business or business opportunity, loss of income or profit, or any loss or damage that you have to suffer as a result of using the Mobile Application of this Site.

5. SUBMISSION

You can apply for various products and services as displayed in this Mobile Application. These products and services are provided by third parties. You are fully responsible for the choice of products or services, and We are not responsible or liable for any loss or damage that you may suffer as a result of the products or services you get while using this Mobile Application., or for action, deletion or error of the Third Party mentioned in the product or service.
Be reminded that the data and product and service descriptions on this Mobile Application may not represent the entire description of all options and terms for these products and services.. You need to be careful and careful to see all the options and terms and conditions of each product or service before making a submission.
If you apply for and get a product or service, You will enter into contracts with Third Parties as providers of products or services, which has its own terms and conditions. You are responsible for ensuring that you agree to the terms and conditions prior to entering into a contract to obtain the said product or service. We are not responsible or responsible for any loss or damage you may suffer as a result of the terms and conditions that apply in each contract between you and the third party., including related actions, negligence or error on the part of a Third Party.
You give Us permission to process your data to Third Parties, and authorize the Third Party to examine all information provided in any way, contact you for marketing of products or services provided by Third Parties on the Mobile Application, including but not limited to the purposes of the Financial Information Service System (SUCH) OJK, credit bureau and / or the like.
You give us permission to process your data to improve our services in any form, including without limitation for the purposes of marketing and improving our services.

6. INTELLECTUAL PROPERTY RIGHTS

All Intellectual Property Rights in the Application This mobile is ours. Any or all information and materials and content, including but not limited to writing, software, text, data, graphic, picture, audio, video, logo, icon or program code and Other codes in this Mobile Application are prohibited from being published, modified, copied, duplicated or modified in any way without permission from U.S. Violation of the rights of this Mobile Application will be prosecuted in accordance with applicable regulations.

You can use the information or content in the Mobile Application only for non-commercial personal use. Unless otherwise specified and/or expressly permitted by copyright law, then the User it is forbidden to copy, redistribute, retransmits, hack, publish or perform acts of commercial exploitation of downloads which is done without our permission as the owner of Intellectual Property Rights the.

In case the User has obtained the necessary permissions then Users are prohibited from making changes or deletions. Users hereby acknowledges that they accept and acknowledge that by downloading the Right to Right material Intellectual Property does not mean obtaining ownership rights to downloads material of the Intellectual Property Rights.

7. REGULATION OF MEMBERSHIP

The Mobile application displays information on insurance products sharia, and we also provide membership for you as a user. With the membership feature you can check your financial transaction history and also find products that match your profile.

Before becoming a Registered User, You are required to read, understand, and comply with the Terms and Conditions and the Privacy Policy applicable to our Mobile Application.
- Before becoming a member (or known as Registered User), You are required to create an account for yourself the first time we use the Mobile Application.
- When registering, you are required to provide actual Personal Information data and not provide distorted information and / or irrelevant information in the process of registering to become a Registered User.. In addition, you are also required to provide correct and valid contact details. And data This personal information must be updated / updated whenever there is a change in data.
- We reserve the right to cancel the registration of users who do not meet the requirements or do not provide correct and valid information, and We also have the right to exclude Registered Users from membership if things are found that violate our Terms and Conditions.
- Users who have successfully carried out the registration / registration process, and become a Registered User, can access membership at any time through our Mobile Application.
- All Registered Users are required to comply with the Terms and Conditions applicable in this Mobile Application, and are not allowed to carry out actions as stated in the points 3.2.

8. LIMITATION OF LIABILITY AND INDEMNITY (DISCLAIMER)

In providing the Website and Services, We strive and are committed to remain subject to applicable laws and regulations, including but not limited to Law Number 11 Year 2008 regarding electronic transactions and their derivative regulations and Law Number 8 Year 1999 about Consumer Protection.
We are not responsible for any losses arising from failure to fulfill or your negligence to implement the provisions in the Terms of Use, Privacy Policy and Insurance Closing Agreements between you and other third parties.
We are not responsible for the legal relationship between the Risk Management Benefit Recipients in the Insurance Closing Agreement, including but not limited to any loss to you or any other third party arising under the Insurance Agreement.
Without prejudice to other provisions in the Terms of Use, Insurance Agreement and Privacy Policy, We are not responsible for any losses incurred in connection with:
- Unavailability of access to and from the Website, Service, Content for any reason and cause.
- Change, modification, deletion, addition, termination of the Website, Our service, Content, Terms of Use, Privacy Policy and Insurance Agreement
- System performance failure, network, server, Our connection causes the unavailability of Our Website and Mobile Services, both that happened on purpose, or accidentally, or as a result of the actions of third parties beyond our control.
- Unworthiness, lack of, imperfection, suitability, inaccuracies, error, incompleteness and error of the Website, Services and Content.
- Loss of profit, opportunities or data arising from your use of the Website, Content, Service.
- Adverse effects that you experience as a result of accessing our Website and Services, including but not limited to lost profits, business disruption, business opportunities.
- Any loss that arises is caused by a Coercive Condition.
- Any violation of the waiver of the Terms of Use and Privacy Policy required by applicable laws and regulations, order of the competent authority or court decision.
You agree to indemnify and protect us from loss against all claims, obligation (including legal obligations and obligations to third parties), cost, spending, fine, exes (including but not limited to legal fees on a full indemnity basis), compensation, decisions and / or losses suffered or incurred by Us, including advantages and opportunities (potential or actual) which can be taken from him or lost, which is caused or arises because of:
- Your violation of the Terms of Use, Privacy Policy, and applicable legislation.
- Actions from third parties using your account that cause losses to us and / or other parties.
- The negligence of you which causes the loss of the third party.