Welcome to BAVku

Thank you for visiting the application. BAVku

Before using, accessing and utilizing theplatform BAVku, make sure you have read carefully and understand this entire Privacy Policy.

This Privacy Policy describes how BAVku is collect and use information provided by you through our Platform / Services, as well as information collected outside of the Platform / Service.

We are always committed to protecting your privacy and security by observing the principles of confidentiality and prudence in accordance with the principles that have always been put forward by financial institutions and other financial institutions.

By accessing the Platform / Service, you are deemed to have read, understood and agreed to be legally bound by this Privacy Policy. If you do not agree to this Privacy Policy, please do not access and use this Platform / Service.

1. About Us

PT Bina Artha Artha Ventura (Bina Artha) is a fast growing venture capital company and has been actively involved in the microfinance sector in Indonesia since December 2011. Initially, Bina Artha offered business capital loans by modifying traditional microfinance financing services. named the Grameen method which is specifically aimed at women who have limited access to banking. In addition, Bina Artha also provides access to business capital loans for micro and small businesses, for both men and women.

2. Definition & Interpretation
1. "You" is any prospective Borrower, Borrower, Partner or user who uses theSite and / or Application Services BAVku.
2. “Application” means theMobile Application BAVku for Android Applications operated and owned by PT. BAVku.
3. "Personal Data" means information or data created after obtaining an Account and can be used to identify directly or indirectly in the context of lending and borrowing activities.
4. "FAQ" means Frequently Asked QuestionsFrequently Asked Questions orin the Application.
5. "OJK" means the Financial Services Authority of the Republic of Indonesia.
6. "Loan Recipient" means the party that is further described in these Terms and Conditions, who receives the Loan through the Service BAVku.
7. "Loans" means funds provided and / or lent by the Lender to the Borrower through the Service BAVku.
8. "Website" means the website www.Bina-Artha.com thereof, including all domains and subdomains which are operated and owned by BAVku.
3. Collection of Personal Data
1. When you create an account through the Service BAVku, you are required to submit and disclose Personal Information and other relevant data to us, and therefore you have given us your consent to store and collect it.
2. You agree to guarantee the authenticity and accuracy of the Personal Data that you provide through the Application and / or the Site. The Personal Data that you provide is true, accurate, complete, up to date and not misleading.
3. In the event that you provide information on a third party to us, we consider that you have obtained the necessary consent from the third party regarding the delivery and provision of personal information for the third party to us.
4. In the framework of comprehensive assessment and testing, from time to time. We reserve the right to request additional information from you.
5. We may collect your Personal Data through:
1. Parties with whom you have obtained your consent to provide your Personal Data.
2. Family members, friends, business places of work, lawyers, shareholders, attorneys, people under trust, trustees, your guarantor, other security providers and individuals / other business entities.
3. Correspondence or any communication between you and us, both in oral and written form.
4. Other parties, media and other sources that we obtain with or without your consent.
5. We do not trade and sell your Personal Data that we get through our services, except for the purposes of the service.
6. We can combine any of your information and Personal Data, regardless of how the information and Personal Data is provided to us or collected by us.
4. The use of Personal Data

You hereby provides an agreement that your Personal Data and all relevant information that we receive in connection with the use of the Service will be used by us for the following purposes and purposes:

1. Conducting assessments, examinations and reviews of you including but not limited to:
1. verification your identity and your credit reputation and administrative purposes for the Service.
2. to make loan decisions in the context of the Loan Agreement.
3. prevention of certain criminal acts such as fraud, money laundering, terrorism and other criminal acts in connection with the use of the Service, and by using voice detection technology, we can analyze your recorded telephone conversations with us.
4. information about transactions including your credit balance.
5. Other risks that we think have the potential to arise in connection with your use of the Service.
2. Provide access to you and facilitate the use of our services and provide access for you to participate in services and other interactive features of the services and sites.
3. Provide you with information about our Services and process loan transactions in the context of the Loan Agreement.
4. Contact you regarding your request and to provide recommendations to related parties in the context of implementing our Services.
5. Delivering information to you regarding changes that have been made to the Service.
6. Making a credit analysis and statistics in order to review loan risk.
7. Carry out an internal inspection / audit or permit the implementation of an external audit.
8. Managing Our Services for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.
9. Make decisions in terms of loans and other matters relating to the opening or continuation of you and the creation, provision or continuation of the Service and also to maintain the accuracy of Personal Data.
10. Allow banks and non-bank financial institutions or authorized third parties to conduct checks on your status in our database or our services.
11. Providing relevant information and Personal Data about you to financial institutions for the purpose of updating your credit record in the customer credit databases of these institutions.
12. Assess or understand the effectiveness of our advertisements and third party advertisements on our site and on other third party websites, and to deliver relevant advertisements to you.
13. Fulfill legal, regulatory and compliance requirements based on the prevailing laws and regulations.
14. Checking the identity and / or authority of your proxies who contact us or can be contacted by us in connection with the use of the service and to carry out datu responding to requests, requests, questions or instructions from the power of attorney who has been examined or other parties in accordance with our security procedures which apply.
15. We can still use all information and Personal Data for purposes other than the things as mentioned above, but still in accordance with the common sense and customs that are generally accepted and only do not conflict with applicable laws and regulations.
5. Personal Data Security
1. Everydata submitted to us will be protected by security systems and devices that meet internationally accepted standards and standards set by the OJK. However, we do not guarantee the confidentiality of the information that you convey, in the event that other parties take and / or use the data from us against the law and without our permission. We will do our best to limit access to Personal Data by unauthorized parties.
2. We are not obligated to delete and / or return your Personal Data and / or other relevant information that we get during your use of this Service.
6. Disclosure of Personal Data

Based on orders, decrees, decisions and court decisions, along with other legal and authorized authorities according to the laws and regulations in force in the Republic of Indonesia. We are allowed by law to disclose all of your personal information and data.

7. Links to Other Websites

This service may contain links to other web sites. If you follow one of the web links contained on this Service, please note that the website (www.bina-artha.co.id) has its own terms of use and privacy policy. We are not responsible for the terms, including the guarantees in the privacy policies of other web sites.

8. Contact us

If you still have questions that are not regulated in this privacy policy, then for further explanation you can contact us directly via E-mail service: communication@bina-artha.co.id

ATTENTION

1. Information Technology-Based Loan Services are a civil agreement between BAVku and the Loan Recipient so that all risks arising from the agreement are fully borne by each party.
2. Credit risk or default is fully borne by the Lender. No state institution or authority is responsible for this risk of default.
3. The Operator with the consent of each User (Partner or Loan Recipient) accesses, obtains, stores, manages and / or uses User personal data ("Data Utilization") on or in electronic devices (including smartphones or cellphones), devices hard (hardware), or soft (software), electronic documents, applications or electronic systems owned by the User or in control of the User, by notifying the purpose, limitations and mechanisms of such Data Utilization to the User concerned before obtaining the intended approval.
4. Loan recipients must consider the loan interest rate and other fees according to their ability to pay off the loan.
5. Users must read and understand this information before making a decision to become a Loan Recipient or Partner.
6. The government, in this case the Financial Services Authority, is not responsible for any breach or non-compliance by users of laws and regulations or agreements or agreements between the Provider and the Borrower.

PT. Bina Artha Ventura (Company) is a legal entity established under the laws of the Republic of Indonesia. The company does not provide any form of financial advice or recommendations regarding the choices on this site. The content and materials available on the bina-artha.co.id site are intended to provide information and are not considered as an offer, request, invitation, suggestion, or recommendation to fund securities, capital market products or other financial services. Companies in rendering services are only limited to administrative functions.

PT. Bina Artha Ventura (Company) is the sole owner or legal holder of all rights to the trademarks, service marks, trade names, logos and icons of BAVku intellectual property rights that are protected by laws that protect other intellectual property that applies throughout the world. . Your use of the trademarks displayed on this site, or any other content on this site, except as provided in these Terms of Use, is strictly prohibited from using, modifying, or posting on themark BAVku.