General Terms and Conditions of Rupiah Cepat

Article 1:

Before using the services provided by KUFI through the Rupiah Cepat Application, you must first complete registration on the Rupiah Cepat Application and become a registered user of the Rupiah Cepat Application.

Article 2:

To access, register, and use the Rupiah Cepat Application, the User must be an individual, either a capable natural person or a person representing and/or on behalf of a business, business entity, or legal entity who has rights and capacity in accordance with the laws of Indonesia. If the User violates these provisions, then the User's guardian must be responsible for the consequences arising from the use of the services provided by Rupiah Cepat.

Article 3:

The User is obliged to ensure the authenticity, accuracy, completeness, and validity of the User's information and guarantee that no misleading and/or irrelevant information is submitted to Us during the registration process and subsequent processes related to the use of the Rupiah Cepat Application. The User is obliged to notify Us of any updates or changes to the User's information.

Article 4:

The services provided by the Rupiah Cepat Application include, but are not limited to:

1. 1. Bringing together prospective Loan Recipients and prospective Lenders on the Rupiah Cepat Application so that loan and loan agreements can be implemented;
2. 2. Analyze loan acquisition applications and/or loan applications submitted by prospective Borrowers and/or Lenders who have gone through the credit scoring process by Rupiah Cepat in the form of a population of Borrowers;
3. 3. Providing Virtual Accounts to Lenders and Borrowers to send funds that will be intended for borrowing and borrowing purposes through the Rupiah Cepat Application;
4. 4. Bridging the relationship between the Lender and the Borrower.

Article 5:

We implement default risk mitigation efforts including but not limited to making recovery efforts by contacting, collecting, and using third-party services to take repayment of loans.

We will collect based on the provisions of laws and regulations in the field of Consumer Protection, the Billing Policy for Delinquent and Problematic Loan Recipients on Information Technology-Based Joint Funding Services, and Our applicable Standard Operating Procedures (SOP) for Billing, then We will ensure that the collection is carried out:

1. 1. Do not use threats, violence, and/or actions that are harmful to consumers
2. 2. No physical or verbal pressure
3. 3. Only for Borrowers
4. 4. It is carried out from Monday to Saturday outside of national holidays from 08.00 – 20.00 local time By signing the Loan Agreement, the User agrees and gives permission to Us to collect on Sundays or national holidays or the time as referred to above as long as it is carried out in accordance with the applicable laws and regulations.

Article 6:

We will provide Services in earnestness in accordance with the applicable regulations to ensure the quality of the Rupiah Cepat Application so that Users can enjoy Our Services easily, safely, and comfortably.

Article 7:

To improve the User's experience and comfort in using the Rupiah Cepat Application, We will analyze the use of various functions of the Rupiah Cepat Application products and services according to needs. These statistics generally include application usage time, time spent on the page, number of visits, access points and error reporting data in the application. By analyzing statistical data, we can improve product quality and service quality.

Article 8:

We work with licensed banks and payment gateway service providers in Indonesia to use escrow account and virtual account services in receiving funds from Lenders and Borrowers.

Article 9:

The content, information, and materials contained in the Rupiah Cepat Application are only intended to provide information to the User in its as-is form (as is) and cannot be considered as an offer, application, invitation, suggestion, consultation or recommendation to carry out investment activities or other financial service.

Article 10:

Rupiah Cepat is highly committed to maintaining the privacy of every User. Rupiah Cepat will not share the Personal Data and Information of our Users or former Users, except for the purposes of Rupiah Cepat business activities which include but are not limited to identity verification for the purpose of feasibility analysis of our loan products, to process transactions, to execute court orders or applicable legal processes, or to process reports to the Financial Services Authority (OJK). See our "Privacy Policy" for more information.

Article 11:

As an operator of Information Technology-Based Money Lending and Borrowing Services, the services provided by KUFI through the Rupiah Cepat Application are a civil agreement agreed between the User, namely the Lender and the Borrower, so that all risks arising from the agreement and the implementation of the agreement are fully borne by each party. KUFI does not guarantee loan repayment and does not bear losses caused by default by Users.

Article 12:

The risk of loan or default is fully borne by the Lender. No state agency or authority is responsible for this default risk

Article 13:

Lenders who do not have knowledge and experience in borrowing and borrowing, including but not limited to knowledge and experience in the financial, taxation, and bookkeeping sectors applicable in lending and borrowing transactions, are advised not to use this Rupiah Cepat service. The Borrower must consider the loan interest rate and other fees in accordance with the ability to apply for and repay the loan facilitated through the Rupiah Cepat Application.

Article 14:

KUFI, with the consent of each User (Lender and/or Borrower) may access, acquire, store, manage and/or use the User's personal data and information on or in objects, electronic devices (including smartphones or mobile phones), hardware or software, electronic documents, applications or electronic systems belonging to the User or controlled by the User, by notifying the purpose, limitations and mechanisms for the use of such data and information to the User concerned before obtaining the consent in question. The consent of each User for access granted to electronic devices is limited to the camera (to identify you), microphone (for your telephone conversations with Us which are fully monitored and recorded in Our system), and GPS (to determine your approximate location).

Article 15:

Every fraud is recorded digitally in cyberspace and can be known to the wider public on social media.

Article 16:

Users should read and understand this information before making a decision to become a Lender or Borrower.

Article 17:

The Government, in this case the Financial Services Authority, is not responsible for any violation or non-compliance by the User, either the Lender or the Borrower (either due to the User's intention or negligence) to the provisions of laws and regulations or the agreement or engagement between Rupiah Cepat and the User.

Article 18:

Rupiah Cepat cannot guarantee the authenticity, accuracy, and completeness of the data and information submitted by the User through the Rupiah Cepat Application, and the User is fully responsible for the data and information provided by the User to Rupiah Cepat.

Article 19：

When the User uses the Services provided through the Rupiah Cepat Application, Rupiah Cepat has the right to charge the User a service fee and/or other related fees. For details of the standards and rules for fee collection, please refer to the Loan Agreement, Funding Agreement, and/or Rupiah Cepat Application.

Article 20:

The User Account is a unique identification of the User in the Rupiah Cepat Application. In using the User's account, the User must:

• 1. Using the Rupiah Cepat service for legitimate purposes and reasons based on the laws and regulations applicable in the Republic of Indonesia;
• 2. will not and/or do not intend to benefit himself or herself in unreasonable ways, a series of lies to persuade others, deceit or use false dignity or false names, commit acts of conspiracy and/or fraud for self-benefit or at least such actions may cause or cause the Borrower to obtain a loan from the Lender, and/or cause losses to Rupiah Cepat Rupiah;
• 3. Not to use the information and data received by the User related to the Rupiah Cepat service for purposes other than those specified in this General Terms and Conditions, including in the User agreement.
• 4. It will not, due to its negligence or intentional conduct, make illegal and unauthorized access to all electronic devices (including but not limited to Application Programming Interfaces/APIs, databases, software, and/or hardware) belonging to Rupiah Cepat (including its affiliates). The User shall be civilly and criminally responsible for any violation of this provision;
• 5. Not to access without authorization, hacking, obstructing, interfering, disable, overburdening or interfering with the proper performance or appearance of the Rupiah Cepat service, including but not limited to conducting denial of services attacks, spoofing, hacking, reverse engineering interference, reprogramming, data manipulation, crawling/scraping, automation in transactions, or the use of any framing technique to attach any content or other proprietary information;
• 6. not upload or post any material and data that contains viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or other malicious or similar computer code, files or programs designed to interrupt, affect, damage, or limit the functionality of software or hardware, or telecommunications equipment;
• 7. Not using automatic scripts, conducting scraping practices (browsing) on the Rupiah Cepat Application with the aim of obtaining consent or other information from the Rupiah Cepat Application for any purpose;
• 8. Not asking for a password, collecting email addresses or information of Users or other prospective Users, either directly or indirectly, through electronic devices, or manually, for any purpose, including but not limited to sending emails or communications, or other unsolicited or unagreed efforts to conduct loan transactions, either through the Rupiah Cepat Application or outside, or any other commercial purpose, or any other unlawful purpose;
• 9. Not uploading, loading, or ensuring the delivery of advertisements, requests, promotional materials, junk mail, spam, chain letters, pyramid schemes, which are unsolicited or unauthorized into the Rupiah Cepat Application;
• 10. Not uploading, uploading, or entering any content into the Rupiah Cepat Application or in communication with other parties, which in KUFI's judgment constitutes content that is harmful, threatening, defamatory, unlawful, insulting, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or discriminatory on race or ethnicity or which may be rejected under any laws and regulations, which includes Content that is Prohibited under the Electronic Information and Transaction Law, infringes KUFI's intellectual property rights (IPR) to be disclosed, for economic gain, to be transferred and/or sold to a third party or other party, or that may harm other Users and/or KUFI;
• 11. Do not upload any information from third parties (doxxing) into the Rupiah Cepat Application, including but not limited to third party data and information such as addresses, telephone numbers, email addresses, identity card numbers, account numbers, credit card numbers, except with the lawful authorization of such third parties;
• 12. Not pretend to have an identity that is not the User's real identity or claim to have an identity that does not match the User's actual conditions and identity;
• 13. Not to manipulate, falsify data and information, or to impersonate any other party, whether natural or entity, where the User has no right or authority to act for and on behalf of such other party;
• 14. Do not create a fake identity to register, access, and use the Rupiah Cepat Application;
• 15. Using an internet connection and safe and reliable devices to maintain the security and smooth performance of the Rupiah Cepat Application;
• 16. Register and use only 1 (one) account;
• 17. Not circumvent, or attempt to circumvent, any means or security mechanism of the Rupiah Cepat Application;
• 18. Maintain the security of the User's account, including unique passwords and other unique information that is identical to the User's account, and be fully responsible for the use of the User's account by parties other than the User for any purpose, including but not limited to the Lender's representative whose authority and/or duties to represent the Lender in accessing and using the Rupiah Cepat Application have been lawfully revoked by the Lender;
• 19. Ensure that the User logs out of the Rupiah Cepat App account at the end of each session;
• 20. Immediately report to KUFI in the event that the User knows and/or obtains the password and/or the User's account has been used by another party without the User's knowledge or permission;
• 21. Immediately report to KUFI in the event that the Lender has revoked, relieved and/or withdrawn the authority and/or duties given to its representative to represent the Lender in accessing and using the Rupiah Cepat Application legally, by attaching the original document that has been signed by the Lender's legal representative with a stamp with the Lender's stamp as proof of revocation, dismissal and/or withdrawal of such authority and/or duties;
• 22. Do not allow or encourage any other party to do anything prohibited in these General Terms and Conditions including the User agreement;
• 23. Not to match data and information uploaded by the User, or related to other Users, for the purpose of identifying other Users, including but not limited to making any efforts to obtain such other User’s Personal Data;
• 24. Not intimidate, harass, or harm other Users, all KUFI employees, or other third parties, or attempt to intimidate, harass and other actions that may harm such parties;
• 25. Not to disseminate negative information or news that cannot be accounted for in relation to the use of the Rupiah Cepat Application and state authorities or institutions both in online, electronic and print media;
• 26. Submit the User's complaint through the Rupiah Cepat customer complaint service before the complaint is submitted to another party, and the User understands that in the event of certain conditions that cause the delay in the settlement in accordance with applicable laws and regulations, KUFI will inform the User;

Article 21:

The User agrees to be fully responsible for guaranteeing the security of the account. All operations carried out and statements made by the User through the User's account in the Rupiah Cepat Application are considered the User's behavior and are the embodiment of the User's sincere wishes, and all losses and legal consequences are borne by the User.

Article 22:

The User can log in to the User's account in the RUPIAH CEPAT Application at any time to research and manage the User's information in this account. If the User experiences obstacles or has questions, the User can contact the Rupiah Cepat Customer Service.

Article 23:

The User understands that in using the Rupiah Cepat Application, the User will be required to affix an electronic signature to the agreement, including but not limited to the Loan Agreement and Funding Agreement with Rupiah Cepat KUFI may provide this service or cooperate with licensed third-party e-signature service providers. Therefore, the User agrees that all data and information provided by the User in order to use the electronic signature service will be submitted by Rupiah Cepat to third parties who cooperate with Rupiah Cepat only for the purpose of providing such services. The use of electronic signatures in information technology-based money lending services is legal and equivalent to wet signatures.

Article 24:

The User agrees that the User will not use the services provided by KUFI through the Rupiah Cepat Application for any unlawful purpose or means, and agrees to comply with other relevant laws, regulations, policies, and rules set forth by both Rupiah Cepat and by state authorities and institutions. The User is solely responsible for any losses and consequences arising from the violation of the above actions.

Article 25:

The User is willing to agree and meet the terms of use in accordance with these General Terms and Conditions. In the event of a violation by the User, KUFI has the right to take any legal action deemed appropriate in response to the violation or alleged violation, including but not limited to the suspension or termination of the User's access and/or account on the Rupiah Cepat Application. KUFI may cooperate with the competent law enforcement authorities and/or third parties in the investigation of alleged violations. Except as may be expressly limited by the Privacy Policy, KUFI reserves the right at any time to disclose any information deemed necessary to comply with any law, regulation, legal process or request of any national authority or agency, or to edit, refuse to submit, or to remove any information or material, in whole or in part, in its sole discretion.

Violations by Users may also result in the act of reporting such violations by KUFI to the competent law enforcement authorities. The report does not override KUFI's right to existing legal remedies in accordance with the provisions of the applicable laws and regulations in Indonesia.

Article 26:

The purpose of contacting the Emergency Contact is to confirm the existence of the Loan Recipient if the Loan Recipient cannot be contacted. The use of the Emergency Contact is carried out on a limited basis and is not intended to collect debts from the owner of the Emergency Contact data. The Loan Recipient states and guarantees that the Loan Recipient has listed and/or provided an emergency contact number independently to RupiahCepat. RupiahCepat will confirm and attempt to obtain approval from the owner of the emergency contact data and document it in accordance with applicable laws and regulations. The emergency contact number will be used for the purpose of confirming the existence of the Loan Recipient if the Loan Recipient cannot be contacted. RupiahCepat will not use the emergency contact number for collection purposes or other actions that violate applicable laws and regulations. RupiahCepat can contact the emergency contact number for the above purposes using personal communication means (as determined by Us from time to time). In contacting the emergency contact number, We avoid all forms of intimidation, threats and/or other violations of the law. In the event of any loss or lawsuit arising from the inclusion of emergency contact numbers by the Loan Recipient, the Loan Recipient agrees to release and provide compensation to RupiahCepat, as long as RupiahCepat has fulfilled its obligations in accordance with applicable provisions.

Article 27:

The User represents and warrants that the funds deposited by the User in connection with the use of the Rupiah Cepat Application do not originate from money laundering or acts suspected of being money laundering crimes and are not intended to fund terrorist activities.

Article 28:

The User understands and agrees that all tax obligations arising against him for the use of the Rupiah Cepat Application will be borne by each party in accordance with the applicable laws and regulations.

Article 29:

Users understand that due to the nature of the Internet, there is a possibility that the services provided by KUFI through the Rupiah Cepat Application may be disrupted. KUFI is not responsible for any losses arising from failures or interruptions in systems or equipment, hacker attacks, and other adverse effects that prevent the User from using the Rupiah Cepat Application service unless it can be proven that the circumstances are caused by Rupiah Cepat negligence or error.

Article 30:

The User understands and agrees that KUFI shall not be liable for any direct, indirect, incidental, special, consequential, or extraordinary damages, including, but not limited to, losses as a result of loss of profits, products, interruption or business opportunity, use, data or other intangible losses, even if KUFI has been advised of the possibility of such damages, arising from the User's use of or inability to use the services, content, or software, or any other matter related to the services, content, or software. The User understands and agrees that the use of the Rupiah Cepat Application service is based on the waiver of the right to sue KUFI or its affiliates directly or to participate in a class action for any losses arising from the use of the service by the User, except for those caused by KUFI's negligence or fault.

Article 31:

Without prejudice to the other provisions in the General Terms and Conditions and other provisions, KUFI is not responsible for:

• 1. any losses arising from the User's failure or negligence in accessing the Rupiah Cepat Application and the method of using the Rupiah Cepat Application without permission and/or without authority that are beyond Our control;
• any losses arising from the User's failure to fulfill or negligent to implement the provisions of the General Terms and Conditions, Privacy Policy, Loan Agreement, Funding Agreement, except for those caused by the negligence or error of Rupiah Cepat (Rupiah Cepat );
• 3. Legal relationship between the Lender and the Borrower in the Loan Agreement or Funding Agreement, including but not limited to any losses of the Lender or other third parties arising under the agreement, except for those caused by the negligence or error of Rupiah Cepat Rupiah;
• 4. any losses arising from the existence of Force Majeure to the extent permitted in the applicable laws and regulations;
• 5. any losses arising from a violation of the waiver of the provisions of this General Terms and Conditions, the Privacy Policy, and other provisions by KUFI that are required by applicable laws and regulations, by order of state authorities or institutions or court decisions.

Article 32:

The intellectual property rights and all content in the Rupiah Cepat Application are legally owned by Rupiah Cepat (or Our licensors, as applicable), including but not limited to, text, data, articles, photos, information, application architecture, web page design, and so on. No one may use, modify, copy, or publicly release the relevant content without the express written consent of Rupiah Cepat (or Our licensors, as applicable). We reserve the right to take any legal action it deems appropriate in response to a breach or alleged violation of these terms, including but not limited to deactivating or closing access and/or the User's account.

Article 33:

Users may submit a request to deactivate and/or delete the User's account on the Rupiah Cepat Application and terminate this Agreement. Users agree that the User's Personal Data and Information will be stored and destroyed by Rupiah Cepat in accordance with the Rupiah Cepat Privacy Policy and applicable laws and regulations including but not limited to Law Number 27 of 2022 concerning Personal Data Protection.

Article 34:

The User understands and agrees that Rupiah Cepat can deactivate and close the User's account, including deleting all User data, information and content, either temporarily or permanently with and/or without prior notification if deemed necessary according to Rupiah Cepat's considerations and policies in accordance with the provisions as referred to in this Agreement.

Article 35:

All provisions, rights and obligations on the Rupiah Cepat Application may be terminated and each Party is exempted from all responsibility in the event of a Force Majeure event to the extent permitted by applicable laws and regulations. The release from all such liability shall continue to apply as long as the deemed Force Majeure events continue to prevail and the Parties have done such things as it deems reasonable to mitigate such deemed Force Majeure events. In the event that the Force Majeure Event continues to last for more than 30 (thirty) calendar days, the Parties will, in good faith, discuss changes to the provisions of the Rupiah Cepat (if any) and documents in connection with the Rupiah Cepat Application Service to mitigate any delay or delay in the exercise of rights and obligations that occur due to the Force Majeure.

Article 36:

In addition to these General Terms and Conditions, the following also applies to the use of services through the Rupiah Cepat Application and is considered as a unit:

• 1. Privacy Policy;
• 2. Terms and conditions in the Loan Agreement and Funding Agreement;
• 3. Other agreements with Us that will govern Your use of the Rupiah Cepat Service.

Article 37:

These General Terms and Conditions are governed by the applicable laws in the Republic of Indonesia involving the User and Rupiah Cepat and apply to all User activities in the Rupiah Cepat Application.

Article 38:

1. These General Terms and Conditions are governed by and subject to the laws of the Republic of Indonesia. The parties agree that any dispute or controversy arising from or related to these Terms and Conditions shall first be resolved through deliberation to reach a consensus. Deliberation efforts must be made by the Parties within a maximum period of 30 (thirty) calendar days from the date one party provides written notification to the other party regarding the existence of a dispute or controversy. If within that period the parties do not reach an agreement, then the dispute or controversy is deemed to have failed to be resolved through deliberation.

2. If efforts to reach a consensus fail to be resolved as referred to in paragraph (1), the Parties agree to resolve the dispute or disagreement through the Alternative Dispute Resolution Institution (LAPS) in the Financial Services sector in accordance with the provisions of the applicable Financial Services Authority Regulations (POJK).

Article 39:

The User understands and agrees that matters not regulated in these General Terms and Conditions are subject to the terms and conditions applicable in the Privacy Policy, and the Loan Agreement, and the Funding Agreement.

The nullity of any of the aforementioned Agreement documents does not cause the invalidity of the other Agreement documents.

Article 40:

To submit questions, reports, complaints, or complaints to Rupiah Cepat regarding the Service, the User may contact: