PRIVACY POLICY

PT Skortech Karya Indonesia (hereinafter “SkorLife”, the “Company”, “We” or “Us” or “Our”) is a company providing easy access for Our user (“User”, “You”, “Your”) to get Credit Information and any other data, to allow You to manage Your Credit Information, or to build Your credit history through SkorLife Platform. Any defined terms in the Terms of Use shall also apply to this Privacy Policy, unless stipulated otherwise.

The existence of this Privacy Policy is Our real commitment to provide security for each collection, processing, disclosure, and transfer, as well as guarantee and take full supervision over any processing of personal data that You provide to Us.

This Privacy Policy aims to provide information on Your rights when You access and/or login to SkorLife Platform under Law Number 27 of 2022 on Personal Data Protection (“PDP Law”). Furthermore, this Privacy Policy is made to govern the usage of Your data in relation to the provision of Services that We mentioned in Terms of Use.

Unless stipulated otherwise, all capitalized terms that are not defined in this Privacy Policy have the same meanings as set out in the Terms of Use.

YOUR PERSONAL DATA CONTROLLER

We, SkorLife, a company domiciled in South Jakarta, is Your personal data controller who is responsible for fully processing Your personal data collected through the SkorLife Platform.

PERSONAL INFORMATION COLLECTION

What We collect?

Personal information that We collect from You (“Disclosing Party”) may include the following:

INFORMATION ABOUT MINOR

Our Services are not intended for children under the age of 18 years. We will not collect, use, provide or process, in any form, any personal information from children under the age of 18 years intentionally.

As a parent and/or legal guardian, please do not permit Your children to submit their data to Us. We will close all accounts used by such children and will eliminate and/or delete all personal information sent to Us without the consent of parents or legal guardians for children under the age of 18 years.

USE OF PERSONAL DATA FOR PERSONS WITH DISABILITIES

In particular, We will process the personal data of User with disabilities through communication in a certain way according to the needs of people with disabilities as regulated in Law Number 8 of 2016 concerning Persons with Disabilities.


In processing data, persons with disabilities can act for themselves or be represented by their guardians.

If You have a disability and need help to use Your rights as a Data Subject, please do not hesitate to contact Us at wecare@skorlife.com. The process will take up to 30 (thirty) business days from the date of Your submission.

HOW DO WE COLLECT THOSE INFORMATION?

Your personal information will be collected and stored, directly or indirectly, when:

In the case of (c), when the information concerning about other persons (“Data Subject”) than the Disclosing Party is given to Us, it is the sole responsibility of the Disclosing Party to ask for a consent from and notify the data subject of the Disclosing Party of his/her personal information and the terms and conditions of this Privacy Policy.

WHY DO WE COLLECT AND HOW DO WE USE AND SECURE THOSE DATA?

We will use and process the personal data that You provided to Us and which We obtain periodically for the following purposes:

We will collect and use Your personal data based on the authority and power You grant to Us as stated in Our Terms of Use.

For Your security, We take appropriate security measures to protect against unauthorized 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 unauthorized 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.

In the event that We may appoint other party as a personal data processor to process Your personal data and in the event that the appointed personal data processor acts outside the orders and purposes set by Us, then all consequences arising from the processing of the personal data will be the responsibility of the appointed personal data processor in full in accordance with the provisions of the PDP Law.

HOW LONG DO WE RETAIN THE INFORMATION?

You hereby agree that so long as You are a registered User in SkorLife Platform, You agree that We may retain Your data, and continuously in accordance with this Privacy Policy. 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 minimum since You no longer become a user in SkorLife Platform starting from absence of activity found on your account for a period of 2 (two) years.

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 SkorLife Platform.

We will delete Your personal data in the event that You decide to use Your Data Subject rights as stated in this Privacy Policy. The deletion of Your personal data will take up to 30 (thirty) business days from the date of Your submission.

DISCLOSURE OF USER PERSONAL DATA

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 limited third parties for only the relevant purpose mentioned in this Privacy Policy. These third parties may include but not limited to Licensed Credit Bureau (to carry out credit valuation/scoring), regulators e.g. OJK, authorities e.g. DGT, PPATK, POLRI, or other relevant government institutions, 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 User, 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 operations, where Our legitimate interests are no less important than the rights of Data Subject, You agree that Your information, which We will ensure will not be identifiable to You, can be disclosed on and/or disseminated to affiliation or Our group company and third parties such as external company auditors, consultant, survey service providers /data analysis, and investors for the purposes regulated in this Privacy Policy.

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 and for the purpose of providing the Services, without Your consent, except for the following cases:

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 comply with the PDP Law in Indonesia.

We may disclose Your personal data concerning the merger, separation, acquisition, consolidation, or dissolution (“Corporate Action”) that We carry out to other parties involved in the Corporate Action. For the avoidance of doubt, if a change occurs in Our business, then any personal data of existing User that have been received, processed, and stored by Us and future User data will then be transferred to the new owner which may use Your personal data in the same way as set out in this Privacy Policy.

In the event of a Corporate Action, We will notify You before and after the Corporate Action is carried out through the SkorLife Platform and/or by sending an e-mail to You.

PROHIBITION OF DISCLOSURE OF USER PERSONAL DATA ABROAD

We will not transfer, copy and/or make Your personal data and/or Credit Information accessible to or by parties outside the Republic of Indonesia in accordance with the prevailing laws and regulations.

YOUR RIGHTS AS A DATA SUBJECT

Subject to PDP Law in Indonesia, by using SkorLife Platform, receiving Our services and/or purchasing Our products, the protection of Your personal data will cover the following process:

If You would like to use Your rights as Data Subject, please contact Us at wecare@skorlife.com. The process will take up to 30 (thirty) business days from the date of Your submission.

REFUSAL TO GIVE ACCESS TO YOUR PERSONAL DATA

We may refuse to grant access to changes to Your personal data, if:

COOKIES INFORMATION

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?

EXTERNAL LINK

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. As such, You are fully responsible on Your decision to access such websites.

NOTIFICATION OF FAILURE TO PROTECT YOUR PERSONAL DATA

If there is a failure to protect Your personal data, We will provide written notification through Your Account and/or registered email address in SkorLife Platform no later than 3x24 (three times twenty four) hours since the failure to protect the personal data occurs.

CHANGES TO THE PRIVACY POLICY

We may make changes or updates to this Privacy Policy at any time to comply with any applicable law. Hence, We encourage You to check the “Updated Date” of Our Privacy Policy.

CONTACT US ABOUT PRIVACY POLICY

If You have any query, comments, or recommendations about the Privacy Policy or if You would like to use Your rights, please submit Your query, comments, or recommendations at wecare@skorlife.com. The process will take up to 30 (thirty) business days from the date of Your request submission.

LANGUAGE

This Privacy Policy is made in Indonesian and English. In the event of any inconsistency or different interpretation between the Indonesian and English version, You agree that the Indonesian version will prevail to the extent of such inconsistency or conflict, and the relevant English version is deemed to be automatically amended to be consistent with the relevant part of the Indonesian version.

GOVERNING LAW AND DISPUTE RESOLUTION

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.