Privacy Policy Kuredi

Kuredi dedicated to supporting the world a more transparent and open, especially in the financial services industry.

We maintain the privacy of our users very seriously and is fully committed. Scroll to the bottom of this page to learn what personal information we collect from users, how we collect and use it, how we protect it and how we share personal information. We do not share personal information users or former users of exception for everyday business purposes such as verifying the identity or eligibility status for our loan products, to process transactions, maintain your account, respond to court orders and legal investigations, or report to the OJK.

What types of personal information we collect, how we collect and how we use it.

Kuredi collect users' personal information that you submitted to us via the app, and use information from the use of applications that are generated automatically by the user as they interact with other applications or any information accessed through an application programming interface (API).

How and what personal information we collect

Types of personal information we collect may include:

  • The information we collect directly from you through the application Kuredi. Personal information ( "IP") is a unique data of individuals who are used as identity and communication. Any use of our services are fully voluntary and you are not required to provide IP unless you choose to use our services. IP collected include information such as: the phone number / phone, ID information, selfie (which is used to verify the ID card), social security information; bank account information, employment information, educational information.
  • Conversations between your phone with our User Service, that fully monitored and recorded in the system.
  • Information about the transaction, including your credit balance.
  • The information comes from credible third parties such as credit reference agencies and service providers and the users associated with a history of credit worthiness; or co-workers and immediate family associated with your information.
  • Information about the place of business and where you live;
  • Information about your whereabouts through Global Positioning System (GPS) that can help us better rating your credit scoring.
  • Information collected when you use an application Kuredi, which we use to identify you and to validate the use of mobile applications for the purposes of fraud prevention; This information may include: type of Internet connection IP address, operating system, operator, type and number of hardware, your communication history and contacts, etc;
  • Information from other 3rd parties with your authorization which help caliber your credit scoring , including Facebook and other internet platform, etc. This is statistical data about your internet behavior in the aggregate to analyze trends, administer mobile applications, track and understand consumer behavior in general, to form your ultimate credit scoring, but not in the form of individual identification;

How do we use personal information

The information we collect about you will be stored electronically and used for various purposes as follows:

  • To verify (or sufficiently as possible) the application is your real identification for fraud prevention, not someone else using your ID
  • To determine your eligibility to apply for a loan under the law and if you can afford to pay
  • To keep your account
  • To communicate with you about your account, as well as identify when you call or visit our mobile application. Also to let you know if there is a change to our service.
  • To process the disbursement and payment transactions securely
  • To assess your credit history and confirm the details of your work.
  • To create and develop statistical analysis also improve the quality of our products in estimating the risk of the loan and prove your credit scoring
  • To update our mobile applications to meet the needs of our clients in the future.
  • To complete our obligations arising from the contract signed between you and us.
  • To evaluate the effectiveness of our marketing of mobile applications, as well as for periodic inspection and marketing research.
  • To enable a bank, financial institution or a third party authorized to perform limited checks on your status in the data base or our services.

Online Advertising

By visiting our mobile app, you acknowledge and agree that you have the right to ask us how the processing of personal data that may be used for marketing purposes (if any). We usually inform you (before we start collecting your data) if we want to use the data for this purpose.

How do we protect users' personal information

Kuredi protect your information with the latest Internet technology.

We will stick to existing safety standards in the industry, to ensure that your information is safe and secure, and perform access restrictions to protect you from fraud. All types of payment transactions as well as inputting personal information on the registration page will be encrypted using the technology of 128-bit secure socket layer (SSL). When we give (or you have chosen) a password which enables you to access our mobile application, you are responsible for protecting your account access code, including username and password, so that others can not access your account.

Keep in mind, the process of information via the internet is not completely secure. Although we have done our best to protect your personal data, we can not guarantee the security of your data are sent through our application, any shipment is to be your responsibility. When we have received your information, we will use procedures and security features layered in an effort to prevent unauthorized access.

Kuredi using computer protection such as firewalls and data encryption, as well as access to personal information to employees who need it to fulfill their job responsibilities. Our data is encrypted before, during and after submitted, for the best protection for your personal information. Only authorized personnel can access the data and they have to pass some form of identity verification before accessing any information.

We comply with data protection law-abiding people in Indonesia and fully conscious to comply with and give respect.

Your Information Sharing

We may share your personal information for the partners, agents, service providers, borrowers and members of our group company that has contracted, which help certain parts of our business operations, including the evaluation of lending, service users, payments, fraud prevention, secure data storage , billing and other similar services. This can include such information as follows:

  • Kuredi can be forced to share personal information with law enforcement, government officials, or other third parties in terms of a subpoena, court order or legal procedures that are similar, or when Kuredi in good faith believe that the disclosure of personal information that is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our user agreement.
  • Kuredi will not sell or rent your personal information to third parties in the conduct of normal busnis and only share your personal information with third parties as described in this policy, unless we implement policy changes and notify you of such changes.
  • If you give us false information and inaccurate and / or we suspect fraud, we can note it in your credit history and distribute the information to the authorities or legal entities and / or the prevention of fraud.

Social Networking Media

During applying for loans to Kuredi, we may ask you to grant permission to access social media accounts such as Facebook, Twitter, Google+, and / or LinkedIn and other internet platforms. You must understand that the provision of data access to social media accounts belonging to you will increase the chance that you get a loan from us, but this is not mandatory. Furthermore, you are allowed to continue the loan application without such data.

Given that you may provide access to social media accounts belong to, you have to understand that we only use the data with the aim of:

  • a. Verification of identity;
  • b. Mitigating the risk of identity fraud;
  • c. Credit risk selection process;
  • d. Analysis of statistical / quantitative internal to the credit worthiness;
  • e. regulatory control;
  • f. To provide information and answer questions;
  • g. To prevent fraud, money laundering and other crimes.

You also agree that if you explicitly allow us to access your social media account information, with it also explicitly allow social networking media, as applicable, to share and send that information to us.

We will not use your information for other purposes not listed above, including but not limited to:

  • a. Share or sell your data directly or indirectly to an unauthorized person through the loan process to us.
  • b. Call your social networks.

Age

To be registered with us you must be aged 21 years or more. If not eligible age, then you are not allowed to use our services.

Privacy Policy Changes

In terms of changing our privacy policy in the future, we may contact you by email and send you a link page so that you can review our new privacy policy.

Consolidation

To avoid prejudice and suspicion, this Privacy Policy should be included with the terms and conditions of use which can be found on the website and mobile applications, and if you finally agreed to take a loan from Kuredi, then this policy should be consolidated also with the Loan Agreement of PT. Mobile Stone Indonesia.

Publishing our Privacy Policy to be seen by everyone

You can see the recent policy changes to the Privacy Policy page Kuredi in www.kuredi.id or by emailing us at cs@mobilestone.com