PT Skortech Karya Indonesia (hereinafter “SkorLife”, the “Company”, “We” or “Us” or “Our”) is a company providing easy access for our users (“User”, “You”, “Your”, “I”, “Me”) to get Credit Information and any other data, to allow You the chance to manage Your Credit Information, or to build Your credit history through SkorLife Platforms.

These Terms of Use incorporate and should be read in conjunction with Our Privacy Policy. You understand and agree that these Terms of Use is an integral part of the Privacy Policy

This Terms of Use is made to govern the Services that We provide as defined below:

1. Definitions

Licensed User Access Information shall mean PIN, passwords, security questions and answers, logins and any other information that allows You to access the information and/or Services in the SkorLife Platforms.

Licensed Credit Bureau shall mean any agency collecting and processing any financing or credit data and other data to generate credit information which has the required business licenses from the Financial Services Authority of the Republic of Indonesia as a Credit Information Management Agency as stipulated in Financial Services Authority Regulation Number 5/POJK.03/2022 as may be amended from time to time.

User’s Account Data shall mean any data stored in Your account on Your network of financial services provider including without limitation bank, credit card, debit card, and deposit transactions.

Credit Information shall mean products and/or services produced by the Licensed Credit Bureau in writing, verbally, or by other methods, originating from credit or financing data and other data collected and processed by the Licensed Credit Bureau.

Losses shall mean any losses, claims, damages, fault, malpractice, negligence, liabilities, obligations, penalties, judgments, arbitration awards, suits, proceedings, and investigation.

Credit Report is a report on Credit Data that has been organized, analyzed and made in such a way by SkorLife or SkorLife in collaboration with third parties to make it easier for Users to understand which is made available on the SkorLife Platform or sent to the User's email directly.

Email Service is the personal electronic mail service setup and controlled by the User to receive information including but not limited to their Credit Information

Services shall mean the services provided by Us to You through the SkorLife Platforms as provided in Clause 2 a.

“Payment Service Provider” means a third-party payment service provider who cooperates with Us to process, transmit, and facilitate payment methods on the SkorLife Platform.

SkorLife Platform(s) shall mean any application, platform digital, website, social media, partner platforms, or any such other platform in any form maintained and operated by Us.

Dispute shall mean any dispute, conflict, controversy, or discrepancy.

2. Services

3. Consent and Authorization in connection with the Provision of the Services

You hereby consent and fully authorize Us to act for and on behalf of You to ask for, request, obtain, and/or receive Your personal, financial data, and any other related information maintained by the Licensed Credit Bureau in the form of Credit Information through your Email Service, as well as You allow Us, to obtain, collect, process, analyze, store/maintain, show, and/or send Your said data and information periodically from and/or to relevant parties in connection with the provision of the Services to You through Skorlife Platform.

4. Termination / Deletion of Your Account

You may end your legal agreement with Us at any time by deleting your account and discontinuing the use of the Skorlife Platform Services. We provide all our Users an option through which a User may delete the complete account through the Skorlife Platform.

Following a request for deletion, or termination of account by Us, We consider the agreement to be terminated. Deletion of the account or Termination also does not terminate Your obligations undertaken prior to deletion or termination of the account.

5. Restriction & Liability

Restrictions and liability applicable for the provision of Services are as follows:

6. Subscription and Service Fee

Currently You can get the Service for free by Us. However, We reserve Our right to charge fees for the Service in the future.

If and when there is a fee charged for the services We perform, We will ask You to make a payment in advance for the cost of the Service before We can provide the Service.

We can cooperate with Payment Service Providers in facilitating payments made on the SkorLife Platform. By submitting Your payment information on the SkorLife Platform, You consent to Us providing that information to Payment Service Providers to facilitate payments. You acknowledge and understand that You may become subject to additional terms and conditions applicable to the relevant Payment Service Provider, and We advise You to review and examine the terms and conditions of the relevant Payment Service Provider. You acknowledge and understand that Payment Service Providers may experience unintended technical failures, problems or interruptions in forwarding, processing or transmitting payments made by You to Your bank account or electronic wallet account. In such circumstances, You agree and promise not to make any claim or claim against Us for, any and all damages and losses (including but not limited to loss of money, reputation, profits or other intangible losses) that may arise directly or indirectly due to the failure, problem or technical problem of the Payment Service Provider.

7. Prohibition

You agree not to use, or attempt to use the SkorLife Platform for any purpose that is unlawful or prohibited by these Terms of Use or any applicable laws and regulations, including but not limited to:

8. Governing Law and Dispute Resolution

9. Language

This Terms of Use is made in Indonesian and English. In the event of any inconsistency or different interpretation between the Indonesian and the 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.

10. Severability

If any provision of this Terms of Use or the application thereof to any situation or circumstance shall be invalid or unenforceable, the remainder of this Terms of Use shall not be affected, and each remaining provisions shall be valid and enforceable to the fullest extent.

11. Entire Agreement

This Terms of Use constitutes the entire agreement between You and SkorLife with respect to the subject matter of these terms and conditions and supersede and replace any prior version of this Terms of Use.

You may be subject to additional terms and conditions when You use, purchase or access other services, affiliate services or third-party content or material.

12. Change of Terms of Use

We are entitled to change, modify, supplement or otherwise amend this Terms of Use from time to time without the prior notification of our Users, and any of such changes will be shown on this page. By continuing to use SkorLife Platform after such changes, modifications, supplements and/or amendments to the Terms of Use, you consent to such changes, modifications, supplements, and/or amendments. We advise you to periodically review and check for any changes, modifications, supplements and/or amendments of this Terms of Use.

13. Notification

We may send receipts, invoices, notifications, newsletters, promotions, alerts and other information through Your registered phone number and/or email address. You may opt-out of receiving messages at any time by changing Your preferences and settings on Your account. You acknowledge that opting out of receiving messages may impact Your use of the SkorLife Platform. Certain messages relating to Our Service that we deemed necessary for You may not have ability to opt-out of.

In addition to the above, in connection with the revocation of the authority and power of attorney from You to us can be delivered electronically through email: wecare@skorlife.com.


I have read, understood, and agreed the Terms of Use & Privacy Policy, where both documents constitute an integral and inseparable document. I also guarantee the accuracy of my personal data for further processing by VIDA as a SkorLife partner.

I hereby agree to grant the power and authority granted under these Terms of Use and Privacy Policy to SkorLife. This consent is given by Me knowingly without any coercion from any party.

The grant of authority and power as specified in these Terms of Use and Privacy Policy is continuously valid until the revocation of this power by Me or the absence of activity in my account for 2 (two) years, whichever occurs first. Therefore, any authority in requesting Credit Information to Licensed Credit Bureau by Skorlife, for and on behalf of Me, in subsequent period, is still within the entitlement granted by this power of attorney as long as this power of attorney is still valid

In the event of expiration or revocation of this power, the authority and power in these Terms of Use will re-apply after I give my re-approval on the SkorLife Platform. In the event that re-approval has been given, then the period of authority and power in these Terms of Use commences from the date of re-approval.

This power and consent shall be governed by the laws of Indonesia.

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 Terms of Use.