For Indonesian P2P Loan Users

DISCLAIMER:

1. Information Technology-Based Lending and Borrowing Services is a civil agreement between the Lender and the Borrower, so that all risks arising from the agreement are fully borne by each party.
2. Credit risk or default and all losses from or related to the loan and loan agreement are fully borne by the Lender. There is no state institution or authority that is responsible for the risk of default and loss.
3. The Operator with the consent of each User (Lender and / or Borrower) accesses, obtains, stores, manages and / or uses User personal data ('Data Utilization') on or in objects, electronic devices (including smartphones or cellular phones), hardware (hardware) and software (software), electronic documents, applications or electronic systems belonging to the User or those controlled by the User, by notifying the purpose, limitations and mechanisms of such Data Utilization to the User concerned before obtaining the intended approval.
4. Lenders who do not have knowledge and experience of lending and borrowing are advised not to use this service.
5. Borrowers must consider the loan interest rate and other fees according to their ability to pay off the loan.
6. Every fraud is digitally recorded in cyberspace and can be known to the wider community on social media.
7. Users must read and understand this information before making a decision to become a Lender or Borrower
8. The Government, in this case the Financial Services Authority, is not responsible for any violations or non-compliance by the User, both the Lender and the Borrower (whether due to the User's intention or negligence) with the provisions of laws and regulations or agreement or engagement between the Provider and the Provider. Loans and / or Loan Recipients.
9. Every transaction and lending and borrowing activity or implementation of agreements regarding lending and borrowing between or involving the Operator, Lender and / or Loan Recipient must be made through an escrow account and virtual account as required under the Financial Services Authority Regulation Number 10/POJK.05/2022 regarding Information Technology-Based Lending and Borrowing Services and violations or non-compliance with these provisions is evidence of a violation of the law by the Operator so that the Operator is obliged to bear compensation suffered by each User as a direct result of the violation of the law mentioned above without prejudice to User rights. suffer losses according to the Civil Code.

PT Mediator Komunitas Indonesia ("Crowdo") has a license at the Financial Services Authority ("OJK") as an Information Technology-Based Lending and Borrowing Service Provider Company with Permits KEP-133 / D.05 / 2019 on December 13, 2019 so that the implementation its business activities are closely supervised by OJK based on the Regulations of the Service Authority