1. The Information Technology-Based Loan Agreement (the “Agreement”) constitutes a civil agreement between the Lender and the Borrower. We only act as the organizer of Information Technology-Based Joint Funding Services (Layanan Pendanaan Bersama Berbasis Teknologi Informasi or “LPBBTI”) that facilitates the matching of Lenders and Borrowers through the electronic system provided by us.
2. All risks arising from the funding activities under the Agreement, including but not limited to credit risk, default risk, payment delay risk, deterioration in funding quality, and any other risks of loss, shall be fully borne by the Lender in accordance with the provisions of the Agreement and applicable laws and regulations.
3. We do not guarantee that the Lender will receive repayment of the principal amount of the funding, interest, returns, or any other economic benefits in full or on time.
4. Before using the LPBBTI services, each Lender and Borrower (collectively, the “Users”) must read, understand, and agree to all applicable terms and conditions, including but not limited to the Terms of Use and Privacy Policy.
5. Users who do not have sufficient knowledge and understanding of information technology-based funding activities are advised not to use the LPBBTI services provided by us.
6. With the consent of each User, we may access, obtain, store, manage, and/or use the User’s personal data in accordance with our Privacy Policy and applicable laws and regulations.
7. The Borrower must carefully consider its financial capacity before applying for funding, including its ability to fulfil all payment obligations relating to principal, interest, fees, and other obligations under the Agreement.
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