What we collect?
Personal information that we collect from you (“discloser”) may include the following:
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.
This may include but not limited to address, telephone/mobile number, IP Address, email address, and Device ID.
This may include but not limited to credit history and other financial details.
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.
Your personal information may be collected and used for the following purposes:
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
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.
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:
Procurement and collection of your personal data by us will be based on your consent, or according to the applicable laws and regulations.
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.
Your personal data will be stored at least 5 (five) years since you are no longer becoming a user in our mobile application.
Activity of displaying, publishing, transmitting, disseminating, and/or access opening of your personal data, will be done based on your consent.
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?
What Cookies do We Use?
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.