This Privacy Policy is effective as of June 6, 2025, and was last updated on June 6, 2025.
PT Skortech Karya Indonesia (hereinafter referred to as “SkorLife,” “Skorverify,” “the Company,” or “We”) is a company that provides corporate users (“Partners”) with easy access to insights and recommendations for planning and building financial reputation through the Skorverify platform.
This Privacy Policy represents our firm commitment to ensure the security of all collection, processing, and disclosure of personal data, as well as to guarantee and conduct full oversight of the processing of our Partners' personal data in connection with the provision of our Services.
The purpose of this Privacy Policy is to inform Partners of their rights when accessing and/or using the SkorLife Platform in accordance with applicable laws and regulations, including Law No. 27 of 2022 on Personal Data Protection (“PDP Law”). Furthermore, this Privacy Policy is intended to govern the terms of use of Partner data and to inform Partners about the identity of the data controller, the legal basis for processing, the purpose of the data request, and the accountability for all data collection and processing activities in connection with the provision of our Services as set forth in the Terms of Use.
Unless otherwise defined, all capitalized terms used in this Privacy Policy shall have the same meaning as set forth in the Terms of Use.
The personal data we obtain from our Partners may include the following:
In the course of providing our Services, we collect and process the Partner's personal data, including but not limited to:
This includes, but is not limited to, full name, place and date of birth, gender, marital status, occupation, nationality, National Identification Number (NIK), photograph, and Identity Card (KTP).
This includes, but is not limited to, address, phone/mobile number, and email address.
This includes, but is not limited to, address, phone/mobile number, email address, credit scoring reports issued by licensed credit bureaus, and relevant credit payment and/or settlement history.
Skorverify does not use User Credit Information for any purpose other than those specified in the Terms of Use, and Skorverify will protect the data it collects and stores with appropriate security measures. For clarity:
As part of efforts to improve our Services, the Partner may from time to time update their data and submit other relevant information (beyond those listed above) to us. For the purpose of providing the Services, we may share Partner information with relevant third parties in accordance with the provisions of this Privacy Policy and the Terms of Use.
When Partners access the SkorLife Platform or use our Services, we may automatically collect the following information about the Partner:
Our Services are not intended for Users under the age of 18. We do not collect, use, provide, or process, in any manner or for any purpose, any personal data from Users under the age of 18.
Specifically, we will process the personal data of Users with disabilities through communication conducted in a manner suited to the needs of persons with disabilities, as stipulated in Law No. 8 of 2016 on Persons with Disabilities.
In such data processing activities, persons with disabilities may act on their own behalf or be represented by a legal guardian.
If a Partner has customers with disabilities who require assistance in exercising their rights as data subjects, please contact us at wecare@skorlife.com. The process may take up to thirty (30) business days from the date of submission of the Partner’s request.
Partner personal data may be collected and stored, either directly or indirectly, under the following circumstances:
With respect to item (d) above, where the Partner’s personal information is not provided directly by the Partner, the person acting on behalf of or as the Partner’s authorized representative must first obtain the Partner’s consent and inform the Partner of the disclosure of their personal data, in accordance with this Privacy Policy.
We collect and process the personal data provided by the Partner, as well as the data we obtain periodically, for the following purposes:
The collection and use of Partner personal data shall be carried out in accordance with the Terms of Use.
To ensure the security of Partner data, we implement protective measures against unauthorized access. These measures include internal audits of data collection, storage, and processing practices and security measures, including appropriate encryption and physical security safeguards to prevent unauthorized access to the systems where we store personal data. All information collected through the SkorLife/Skorverify Platform is securely stored in a controlled data center. Access to the servers is restricted, password-protected, encrypted where necessary, and strictly limited.
In the event that we appoint another party as a personal data processor to process the Partner’s personal data, and such processor acts beyond the instructions and purposes determined by us, all consequences arising from such processing activities shall be the full responsibility of the appointed personal data processor, in accordance with the applicable laws and regulations on Personal Data Protection.
The Partner hereby agrees that, for as long as the Partner is a registered user of Skorverify, we may retain the Partner’s data in accordance with this Privacy Policy. We will store the Partner's personal data for as long as it is necessary to fulfill the purposes for which it was collected and used in connection with our Services, unless otherwise required or permitted by applicable laws and regulations. The Partner’s personal data will be retained for a minimum of five (5) years from the date the Partner ceases to be a User, which is determined either from two (2) years of inactivity on the Partner’s account or from the date the account is deleted at the Partner’s request.
Financial and billing information related to the Partner, in accordance with regulations concerning corporate records, will be retained for a minimum of ten (10) years from the date the Partner ceases to be a User of the SkorLife Platform.
Upon the expiration of the retention period as specified in this Privacy Policy, we will permanently destroy the Partner’s personal data.
We will proceed with the deletion of the Partner's personal data if the Partner exercises their rights as a Data Subject (as defined under the applicable data protection laws), in accordance with the provisions of this Privacy Policy. The deletion process will take a minimum of thirty (30) business days from the date the Partner’s request is submitted.
In order to provide Services to the Partner or to comply with applicable laws and regulations, the Partner’s personal data may be disclosed and/or distributed to third parties, strictly for the purposes outlined in this Privacy Policy. Such third parties may include, but are not limited to, partners who work with us in the provision of Services, such as licensed Credit Bureaus for the purpose of obtaining Credit Information and/or updating Credit Information, third-party companies cooperating with SkorLife/Skorverify who, with the Partner’s consent, may access the Partner’s Credit Information, and government authorities that have the legal authority pursuant to applicable laws and regulations.
Subject to the Partner’s explicit consent, we may use information generated from the use of the Services—excluding information collected from other sources such as email—for marketing purposes. This consent is entirely voluntary, and the Partner may at any time choose to opt out of receiving marketing materials from us by following the unsubscribe instructions included in each email the Partner may receive. Furthermore, if the Partner wishes to have their contact information removed from all of our mailing lists and newsletters, they may click the unsubscribe button in the email or send a request to wecare@skorlife.com.
Additionally, to enhance the Partner’s experience in using Skorverify services and to optimize traffic flow for user access, we may track the Partner’s behavior using analytics tools. These analytics tools will be provided by third-party service providers appointed by us, and we reserve the right to add, discontinue, or replace the current provider with other third-party analytics service providers. Information collected for this purpose will be anonymized and will not be traceable back to the Partner
For the purpose of conducting our business activities, and subject to applicable laws and regulations, the Partner agrees that their data, in an anonymized and non-identifiable form, may be disclosed and/or distributed to our affiliates or group companies and to third parties such as external company auditors, advisors, survey/data analytics service providers, and investors, in accordance with this Privacy Policy.
In addition to the purposes mentioned above, and with the Partner’s consent, we may disclose and/or distribute the Partner’s personal data for the following purposes:
If we disclose and/or distribute the Partner’s personal data to any third party, we will inform such third party of the confidential nature of the data and their obligation to restrict the use of such personal data strictly to individuals involved for the permitted purposes only. Furthermore, they will be required to handle such personal data appropriately in accordance with this Privacy Policy and subject to applicable data protection laws.
We may also disclose the Partner’s personal data in connection with any merger, spin-off, acquisition, consolidation, or dissolution (“Corporate Action”) undertaken by us to any party involved in such Corporate Action. For the avoidance of doubt, in the event of any change in our business ownership, all existing personal data of Users that we have received, processed, and stored, as well as future Partner data, will be transferred to the new owner, who may continue to use the Partner’s personal data in the same manner as set forth in this Privacy Policy.
In the event of a Corporate Action, we will provide notice to the Partner both before and after such Corporate Action takes place through the SkorLife/Skorverify Platform and/or by sending an email notification to the Partner.
By becoming a Partner of the Skorverify services and agreeing to our Privacy Policy and Terms of Use, the Partner acknowledges and agrees that, in the course of providing the Services, we may transfer, copy, and/or make accessible the Partner’s personal data and/or Credit Information to or by parties located outside the territory of the Republic of Indonesia, in accordance with and subject to the applicable laws and regulations.
We will ensure that such processes are carried out by implementing adequate security measures in compliance with the provisions of applicable laws and regulations.
Subject to the provisions of applicable laws and regulations regarding personal data protection, by using the Services, the Partner’s personal data shall be protected through the following processes:
The right of the Partner to access and obtain a copy of their personal data, subject to the data retention terms as outlined in this Privacy Policy. We will provide such access within no later than 3 (three) business days after receiving the Partner’s request.
The right of the User to complete, update, and/or correct any errors or inaccuracies in their personal data. We will make the necessary corrections within no later than 3 (three) business days after receiving the Partner’s request.
The right of the User to terminate processing, delete, and/or destroy their personal data.
The right of the User to withdraw previously granted consent for the processing of their personal data. Upon receipt of such a request, we will cease the processing of the personal data within no later than 3 (three) calendar days.
The right of the User to postpone or limit the processing of their personal data proportionally in accordance with the purposes of processing as outlined in this Privacy Policy.
The right of the User to obtain and/or use their personal data from us in a commonly used structure and/or in a format readable by an electronic system.
The right of the User to file a complaint with the relevant authority regarding the manner of personal data processing that may result in the failure of personal data protection by us.
The right of the User to object to decisions made solely on the basis of automated processing that produce legal effects or have a significant impact on the Partner.
If the Partner wishes to exercise any of their rights as a Data Subject, please contact us at wecare@skorlife.com. The process may take up to 30 (thirty) business days from the date the request is submitted.
Subject to the provisions of the applicable Personal Data Protection Law (PDP Law), we may be exempt from our obligations as a personal data controller to fulfill the duties set out in this Privacy Policy and/or under applicable laws and regulations, in the event such exemption is for the purpose of:
We may also deny the Partner’s exercise of their rights over their personal data in cases where:
The SkorLife/Skorverify Platform may contain links to other websites, over which we cannot guarantee the privacy and security of the Partner. The inclusion of such links does not guarantee that the linked websites will provide the Partner with the same standard of personal data protection as set out in this Privacy Policy. Therefore, the Partner assumes full responsibility for the decision to access those websites.
In the event of a personal data protection breach involving the Partner’s data, in Skorverify’s capacity as a personal data controller, Skorverify will provide written notification to the Partner via the account and/or email address registered with Skorverify no later than 3 x 24 (seventy-two) hours from the time the breach occurred.
Skorverify has established and implements policies, procedures, and/or guidelines regarding the prevention and handling of personal data protection breaches in accordance with its Data Security Procedures.
We may, at any time, modify or update this Privacy Policy to comply with applicable laws and regulations. Notice of any changes will be provided through the SkorLife/Skorverify application. We also encourage Partners to periodically review the “Last Updated” date of this Privacy Policy.
This Privacy Policy is made in both Indonesian and English. In the event of any inconsistency or difference in interpretation between the Indonesian version and the English version, the Partner agrees that the Indonesian version shall prevail to the extent of such inconsistency or difference, and the relevant English version shall be automatically deemed amended to conform to the corresponding section in the Indonesian version.
This Privacy Policy and its implementation are governed by and shall be construed in accordance with the laws of Indonesia.
The parties agree that in the event of any dispute, conflict, or controversy, the dispute resolution method set forth in the “Dispute Resolution” clause of the applicable Terms of Use shall apply.
If the Partner has any questions, comments, or suggestions regarding this Privacy Policy, please send them to wecare@skorlife.com. The process may take up to 30 (thirty) business days from the date the request is submitted.
English Privacy Policy | Terms of Use | Security Policy | Copyright 2022 PT Skortech Karya Indonesia. All rights reserved.
Copyright 2022 PT Skortech Karya Indonesia. All rights reserved.
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