PT Skortech Karya Indonesia (hereinafter “SkorLife”, the “Company”, “we” or “us” or “our”) is a company providing easy access for our users (“user”, “you”) to get Credit Score and any other data, to allow you to manage your Credit Score, or to build your credit history through our SkorLife Platforms. Any defined terms in the Terms of Use shall also apply to this Privacy Policy, unless stipulated otherwise. This Privacy Policy is made to govern the usage of your data in relation to the provision of Services that we provide above, as follows: By ticking the box next to the sentence “I understand and agree to the Terms of Use & Privacy Policy”, you hereby agree to be bound with this Privacy Policy as follows:


What we collect?
Personal information that we collect from you (“discloser”) may include the following:

1. Personal Details

This may include but not limited to name, place and date of birth, gender, marital status, occupation, Nomor Induk Kependudukan (NIK), as well as your picture and citizenship.

2. Contact Information

This may include but not limited to address, telephone/mobile number, IP Address, email address, and Device ID.

3. Financial Information

This may include but not limited to credit history and other financial details.

4. Other Information

This may include but not limited to information pertaining to your Internet Protocol, log information, error messages, your type of device, and unique identifiers of your device, your usage of the SkorLife Platform such as pages you viewed, features you use, your location information, etc.


Your personal information will be collected and stored, directly or indirectly, when:
a. You enter SkorLife Platform;
b. You disclose to us;
c. Any authorized persons related to you or appointed by you (including but not limited to your spouse or family member) discloses to us, and
d. Relevant third parties (including but not limited to the financial services providers, such as Banks, payment services provider, payment gateway provider with which we have entered into a cooperation, or other financial institutions, regulatory bodies e.g. Financial Services Authority of the Republic of Indonesia (Otoritas Jasa Keuangan or OJK), Directorate General of Tax of the Ministry of Finance of the Republic of Indonesia (DGT), Directorate General of Population and Civil Registration of the Ministry of Home Affairs of the Republic of Indonesia (DGPCR) , Indonesian Financial Transaction Reports and Analysis Center (Pusat Pelaporan dan Analisis Transaksi Keuangan or PPATK), Indonesian National Police (Kepolisian Negara Republik Indonesia or POLRI), and other reliable sources.
In the case of (c), when the information concerning about other persons (“data subject”) than the discloser is given to us, it is the sole responsibility of the discloser to ask for a consent from and notify the data subject of the disclosure of his/her personal information and the terms and conditions of this Privacy Policy.


Your personal information may be collected and used for the following purposes:

For your security, we take appropriate security measures to protect against unauthorised access. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorised access to systems where we store personal data. All information gathered on SkorLife Platform, is securely stored within a controlled database. Access to the servers is restricted, password-protected, including appropriate encryption, and is strictly limited.


You hereby agree that so long as you are a registered User in SkorLife Platform, you agree that we may retain your data, and afterwards in accordance with this provision. We will retain your personal information as long as it is necessary for the purposes of collection and use, unless required or permitted by applicable law. Your personal information will be retained for 5 (five) years since you are no longer become a user in our mobile application.
Whereas for financial information related to you, such as the amount of payment of premiums, claims and other ancillary payments, as per the applicable laws and regulations on Corporate Documents, will be retained for at least 10 (ten) years since you are no longer become a user in our mobile app.


In order to perform our contractual obligations towards you or our regulatory obligations towards regulators and authorities, your personal information may be disclosed, or disseminated to third parties for the relevant mentioned purposes only. These third parties may include but not limited to Licensed Credit Bureau (to carry out credit valuation/scoring), other financial services institutions, regulators e.g. OJK, authorities e.g. DGT, PPATK, POLRI, or other relevant government institutions, other service providers e.g. data storage service providers, call center service providers, payment system provider or payment gateway provider.
Moreover, in order to improve your experience in using SkorLife Platform, and traffic optimization during access by users, we will also track your behavior using analytical tools. These analytical tools will be provided by third-party provider that we have engaged, and we hereby reserve the right to add, stop or change existing providers to other third-party analytical tools providers. The information that we have gathered for this purpose will be anonymized and shall not be identifiable to you.
For our business operation, where our legitimate interest is not less important that the data subject’s fundamental rights, your information, which we will ensure to be non-identifiable to you, may be disclosed and/or disseminated to our group companies and third parties such as external auditors, advisors, survey/data analytics service providers, and investors.
In any case, your personal information will not be disclosed and/or disseminated to any other persons other than the cases of the above three paragraphs, without your consent, except for the following cases:
a. providing that it is required by any applicable law;
b. providing that it is necessary for preventing emergencies or protecting others from danger; and
c. for the public interest.
In case where we disclose and/or disseminate your personal information to any third parties, we shall notify the said third parties of its confidential nature and their obligations to restrict the use of such information to any person involved for the permitted purposes as necessary only, and to handle the information appropriately in accordance with this Privacy Policy and the applicable laws and regulations in Indonesia concerning personal data protection.


Subject to the applicable laws and regulations in Indonesia concerning personal data protection, by using SkorLife Platforms, receiving our services and/or purchasing our products, the protection of your personal data will cover the following process:

1. Procurement and Collection

Procurement and collection of your personal data by us will be based on your consent, or according to the applicable laws and regulations.

2. Processing and Analyzing

Processing and analyzing or your personal data will only cover matters that we have clearly stated when procuring or collecting your personal data. This will be based on your consent.

3. Storing

Your personal data will be stored at least 5 (five) years since you are no longer becoming a user in our mobile application.

4. Displaying, publishing, transmitting, disseminating, and/or access opening

Activity of displaying, publishing, transmitting, disseminating, and/or access opening of your personal data, will be done based on your consent.

5. Destroying

Your personal data will be destroyed when it has passed the Storing provision that we mention above, or you request the destruction of your data.


What are Cookies?
Cookies are small pieces of data sent from a website to be stored in your personal devices. They allow SkorLife Platform to recognize your devices and collect information to adjust the content to be in accordance with your preference. We use cookies through third-party service providers to improve your experience.
What Cookies do We Use?
1. User may determine options to do modifications through settings in User’s SkorLife Platform, by opting to refuse cookies (this option may hinder the optimal provision of SkorLife’s Services when the User is accessing SkorLife Platform).
2. SkorLife uses Google Analytics Demographics and Interest feature. Data that will be collected by SkorLife from that feature are as follows: age, sex, User’s interest and other information that may identify the User, will be used by SkorLife for feature development, facilities, and/or contents within SkorLife Platform.
3. SkorLife may use features provided by third parties for the purpose of enhancing the Services and content of SkorLife, including among others assessment, adjustment, and provision of advertisement to every User based on interest and visit history.


SkorLife Platform may contain links to other websites which we cannot ensure your privacy and security. The inclusion of such links does not guarantee that other websites will provide you with the same standard of personal data protection as per this Privacy Policy.


We reserve the right to make any change to the Privacy Policy in order to comply with any applicable law. Hence, we encourage you to check the “Updated Date” of the Privacy Policy.


If you have any query, comments, or recommendations about the Privacy Policy or if you would like to exercise your rights, please submit your query, comments, or recommendations to The process might take up to 20 (twenty) business days from the date of your submission.


This Privacy Policy and the performance thereof is governed by and construed in accordance with the laws of Indonesia. The parties agree that in the event of any dispute, conflict or controversy, dispute resolution method stipulated in the Clause “Dispute Resolution” in the Terms of Use shall apply.