Kebijakan Privasi

Last Updated: April 11, 2025

Welcome to Kartu Kred’s Privacy Policy. This document explains who we are, how we collect and use your personal data, and the safeguards we apply to protect your information. Kartu Kred is committed to transparency and to protecting your privacy in accordance with the Personal Data Protection Act (UU No. 27/2022) and applicable regulations in Indonesia.

Who We Are

We are Kartu Kred, a digital platform helping you discover, compare, and evaluate financial products and services that best match your needs. While we do not provide financial products directly, we empower users to make informed decisions. Privacy and data protection are fundamental to our operations.

What Kind of Data We Collect

  • Personal Data: Information that can identify you directly or indirectly, such as your name, email, phone number, and other contact details.
  • Non-Personal Data: Aggregated or anonymized data including usage statistics, page interactions, device information, and general location data.

How We Collect Your Information

  • Information You Provide: Through forms, sign-ups, inquiries, or direct communication with us.
  • Automated Technologies: Via cookies, tracking pixels, and similar tools while you interact with our website.
  • Third-Party Sources: From partners, public sources, or affiliates, where permitted by law and with your consent.

Why We Collect and Use Your Data

We collect and process your data for purposes such as:

  • Verifying your identity and preventing fraud.

  • Recommending relevant financial products and services.

  • Communicating offers, updates, or informational content.

  • Analyzing and improving our website’s performance and user experience.

  • Displaying personalized advertisements through platforms like Google Ads.

Note: Certain features of Kartu Kred may require user registration and the submission of personal data to function correctly.

How We Share Your Data

We do not sell your personal information. We may share your data under these circumstances:

  • With Affiliates: Within our corporate group for service enhancement.

  • With Partners: To fulfill your product requests or display relevant services.

  • With Authorities: If required under Indonesian law, such as to comply with legal processes.

  • With Advertisers: For personalized ad delivery, governed by third-party privacy policies (e.g., Google).

All third parties must handle your data in accordance with this Privacy Policy and applicable Indonesian privacy laws.

Your Rights Under Philippine Law

Under the Personal Data Protection Act (UU PDP), you have the right to:

  • Be informed about the collection and use of your personal data.

  • Access and review your personal information.

  • Correct or update your data if it is inaccurate.

  • Object to certain types of data processing.

  • Withdraw consent (where applicable).

  • Request deletion or restriction of your data, in accordance with legal requirements.

  • Lodge complaints with the relevant supervisory authority (Kementerian Komunikasi dan Informatika or Kominfo).

Cookies and Ad Technologies

We use cookies and similar tracking tools to improve your browsing experience. Third-party advertisers may also use cookies to personalize content and measure ad performance. You may disable cookies in your browser settings or opt out of personalized advertising via Google Ad Settings.

How We Protect Your Data

We take the security of your data seriously, and we implement measures such as:

  • Secure cloud hosting environments.
  • Data encryption and restricted access controls.
  • Routine system audits and data security reviews.
  • Incident response procedures to manage potential data breaches.

While no system is entirely immune to threats, we act swiftly in the event of a security incident and notify affected users when required.

Important Notes

By using Kartu Kred, you confirm that:

  • You are at least 18 years of age and legally competent to use our services.

  • You accept and agree to this Privacy Policy and our Terms of Use.

  • Kartu Kred will never ask for payments or sensitive personal information via email.

  • You may receive occasional surveys or feedback requests to help us improve our services.

Contact Us

For any privacy-related inquiries, requests, or issues, please reach out to our Data Protection Officer (DPO) at: [email protected]. 

We reserve the right to update this Privacy Policy at any time. Please review it regularly. Continued use of our services constitutes acceptance of any changes.

Kartu Kred is a digital platform that provides financial information and product comparison services. Our platform is funded through advertising and partnerships with financial institutions. The compensation we receive may influence the ranking or presentation of products featured on our site.
We make every effort to ensure that the information we provide is accurate and up to date. However, product details may differ from those published on the official websites of financial institutions. Kartu Kred does not guarantee the accuracy, completeness, or timeliness of all content at all times.
Please note that Kartu Kred does not offer financial products or services directly. We do not conduct credit checks, approve applications, or make credit decisions—these processes are handled exclusively by the respective financial institutions. Kartu Kred does not request payments, facilitate money transfers, or charge any fees for using our services.
Users are encouraged to verify all product details directly with the relevant financial institution. We strongly recommend reviewing the official terms and conditions of any financial product before submitting an application or entering into an agreement.
For details on how Kartu Kred collects, uses, and protects your personal data, please refer to our Privacy Policy. By accessing and using this website, you confirm that you have read, understood, and agreed to our Terms of Use and Privacy Policy.