Syarat Penggunaan

Kartu Kred is a digital platform designed to help users in Indonesia discover, compare, and better understand a variety of financial products and services, including but not limited to credit cards, loans, financing options, and banking solutions offered by licensed financial institutions. We strive to provide accurate, updated, and relevant information to support informed financial decision-making.

These Terms and Conditions of Use (“Terms”) apply to all users who access and/or use the services of Kartu Kred via our website or affiliated applications. Please read these Terms carefully along with our Privacy Policy, which outlines how we collect and manage your personal data in accordance with Indonesia’s Personal Data Protection Act (UU No. 27/2022).

  1. DEFINITIONS

1.1. “User” refers to any individual or legal entity accessing or using Kartu Kred’s services through any means, including desktop, mobile, tablet, or other digital platforms.

  1. ACCEPTANCE

2.1. By accessing or using Kartu Kred, the User confirms they have read, understood, and agreed to these Terms and the Privacy Policy.

2.2. The User affirms they are at least 18 years of age and have full legal capacity to enter into a binding agreement.

2.3. If the User disagrees with any part of these Terms, they must discontinue use of the services immediately.

  1. CONTACT US

3.1. For inquiries, feedback, or concerns related to our services, please contact us at: [email protected]. 

  1. RESPONSIBILITIES

4.1. Kartu Kred provides links and access to third-party financial institutions and service providers. All product applications and services are handled directly by these third parties.

4.2. Kartu Kred is not a financial institution and does not offer financial products, conduct credit assessments, approve applications, or make lending decisions.

4.3. Users must verify all product details directly with the respective financial provider before applying or entering into any agreement.

4.4. Kartu Kred is not responsible for:

  • The terms, privacy policies, or practices of third-party websites.
  • The accuracy of information provided by external partners or advertisers.
  • Damages resulting from malware, phishing, or harmful software encountered while browsing.

4.5. Users are responsible for protecting their devices and using security software to safeguard against cyber threats.

4.6. Users agree not to:

  • Violate the rights of third parties or applicable laws.
  • Use the site for harassment, abuse, or fraudulent activities.
  • Upload or transmit harmful code or content.
  1. TERM AND LIMITATION OF LIABILITY

5.1. Kartu Kred is not liable for any indirect, incidental, or consequential damages arising from the use—or inability to use—our platform or services.

5.2. Our total liability, if any, shall not exceed the amount paid (if any) by the User to Kartu Kred for using the service.

  1. MODIFICATION OF TERMS AND CONDITIONS

6.1. These Terms may be modified at any time, at Kartu Kred’s discretion, without prior notice.

6.2. Users who do not agree with the modified Terms should refrain from using Kartu Kred.

  1. GOVERNING LAW AND JURISDICTION

7.1. These Terms and the Privacy Policy are governed by the laws of the Republic of Indonesia, including but not limited to the Personal Data Protection Act (UU No. 27/2022).

7.2. Any disputes arising from the use of Kartu Kred shall be submitted to the exclusive jurisdiction of the courts of Indonesia.

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.