1. General Information
   1. PT KrediFazz Digital Indonesia (“KrediFazz”) is an Indonesian legal entity which manage and operate the Information Technology Based Joint Financing that is licensed and supervised by the Financial Services Authority (“OJK”) with due observance to the OJK Regulation No. 10/POJK/05/2022 regarding LPBBTI and any of its derivative regulation corresponding thereto.
   2. The personal loan funds which you have submitted and obtained is a funds that channelled to you by KrediFazz are entirely derived from and owned by the lender(s) registered on KrediFazz. KrediFazz only facilitates the loan from the lender(s) by passing on the loan funds to you. Therefore, the legal relationship arising regarding the loan is between you and the lender(s). All risk associated with the mentioned legal relationship shall be borne by you and the lender(s).
   3. You acknowledge that KrediFazz (for and on behalf of the lender(s)) reserves the right to evaluate and determine (approve or reject) the granting of the loan requested by you, in accordance with KrediFazz’s sole discretion and assessment.
   4. This Terms and Conditions is an integral part of Kredivo’s applicable terms and conditions (as relevant). Any terms and conditions applicable to your Kredivo account will be applicable mutatis mutandis to your KrediFazz account to the extent this Terms and Conditions do not sufficiently define the relevant subject matter.
2. Account and Loan-related Provisions
   1. You are responsible for all credit or other facilities granted by KrediFazz (either directly or on behalf of its lending partner (as the case may be)) in respect of your KrediFazz account. Your account is issued solely for your use. You are not permitted to authorize others to use your account, or share your account details (including user identification, password, one- time password), or assign your account to any third party whatsoever (including without limitation to, your family, relatives, friends, colleagues or anyone that is not yourself). Any unauthorized access or loan request performed through your account will be deemed a valid request unless you notify us before the loan funds are disbursed to the appointed account on behalf of your name. You agree, acknowledge, and understand that neither Kredivo nor KrediFazz will be responsible for and will be released from any loss, demand, claims, and a lawsuit from other parties in any case in connection with unauthorized use and/or without authority over your account or identity by third parties.
   2. KrediFazz and, by extension, Kredivo, reserves the right to suspend and terminate your account, either temporarily or permanently, or to terminate your access to the services, to investigate, claim damages, to report to the authorities and/or to take any other action that it consider necessary, including criminal or civil action should it is identified or there is sufficient reason to suspect that you have committed an infringement, crime or other act contrary to this terms and conditions, terms and conditions applicable to your account, or any applicable laws and regulations.
   3. An account statement is available to you at any time via Kredivo mobile app or web app, which in addition to information related to your Kredivo account, it will also show you the information concerning your KrediFazz account, which including, among others, credit utilization, due date reporting, repayment status, repayment history.
   4. Subject to the applicable terms of Kredivo, your Kredivo assigned credit limit will be available and usable for the personal loan application at your KrediFazz account. Youunderstand and agree that the transaction limit or credit limit as well as the amount of interest and fees as given inside your Kredivo account is a single and unified arrangement that can be utilized for transactions supported by Kredivo or obtain a personal cash loan from KrediFazz. As a consequence of this credit limit sharing, any issues on your Kredivo’s account (for example, account suspension) or any repayment issues (for example, late payment, non-payment) will affect your ability to request a personal loan facility from KrediFazz. Similarly, any problems with your KrediFazz account or repayment may affect your ability to use the facility or conduct any transaction with your Kredivo account. Further, You have understood on (i) the amount of determined fees and interest shall be an amount which designated specifically by KrediFazz for any personal loan which provided by KrediFazz through Kredivo platform and (ii) any content and terms of the credit agreement with KrediFazz (on behalf of its lending partners) over each KrediFazz’s personal loan transaction provided to You.
   5. You understand that any payment or repayment concerning the personal loan at your KrediFazz account can be made through any payment channels as per the method indicated at Kredivo’s mobile app or web app, or as officially informed by KrediFazz whether direct or indirectly through any media as deemed appropriate by KrediFazz for informing you regarding the repayment process.
   6. You understand and agree that KrediFazz may grant or assign its authorization to any other third party to conduct the loan collection over your loan repayment obligation that is outstanding according to the terms, conditions and procedure applicable at KrediFazz, which covers the principal amount, interest rate (if any), and late payment penalty and interest (if any).
   7. You understand and agree that you can contact KrediFazz’s customer service or any party authorized by KrediFazz for all queries in relation to your KrediFazz facility. For the avoidance of doubt, KrediFazz will not charge any fee whatsoever to You over any complaint services.
3. Data Processing and Disclosure
   1. You agree to (i) the disclosure and/or sharing by Kredivo to KrediFazz of your personal information and sensitive personal information (name, age, photographs, fingerprints, other biometric data (facial recognition and voice recognition), employment details, credit limit, income, credit standing, loan payment status and history, and other information as necessary) supplied by you to Kredivo or lawfully obtained by Kredivo, to KrediFazz for the provision of services by it and (ii) the disclosure and/or sharing by KrediFazz to Kredivo of your KrediFazz account information, including amongst other, credit utilization, due date reporting, repayment status, repayment history.
   2. You understand that KrediFazz requires processing, using, storing, and sharing your personal information and sensitive personal information to render services to you. You allow the use of this information for credit verification, credit scoring, data analytics, collection, automated processing of the loan, collecting, data profiling and direct marketing
   3. Notwithstanding the generality of the above, KrediFazz also reserves the right to, and you agree to, disclosure of information to its parent, affiliate, subsidiary, or third parties about your account or the transactions you make: (a) Where it is necessary for completing transactions or (b) in order to verify the existence and condition of your account for a third party, such as a credit bureau, or (c) in order to comply with government agency or court orders, subpoenas and other legal documents, or (d) in order to offer you additional products or services, or (e) where such information is required by the credit facility provider, or (f) for the purpose of collection of the outstanding loan, or (g) if you give us your permission for any other sharing not specified herein.
   4. You warrant the authenticity of all submitted information. In the event of any documents falsification or any other criminal acts by You is proven, then KrediFazz may enforce any legal effort including to process such relevant acts to any authorized party.
4. Miscellaneous
   1. At any time, KrediFazz, and, by extension, Kredivo, shall be entitled to terminate the service or to take any actions which is deemed required by KrediFazz, if there is a Force Majeure event. Force Majeure shall include but not limited to natural disasters, fires, strikes, demonstration, pandemic, national disaster, request from government authority to terminate the service as well as any other events that are beyond its control. For the avoidance of doubt and to the extent it is permissible under the prevailing law, the Force Majeure event shall not waive your payment obligation, unless otherwise stipulated by KrediFazz based on its sole discretion or based on the lender’s instruction.
   2. You shall not assign or transfer any of your interest, rights and obligations concerning your KrediFazz account. Conversely KrediFazz shall be entitled to assign its interest and/or any debt owing to it (on behalf of the lender(s)) to such persons and in such manner as determined by KrediFazz in its absolute discretion.
   3. You understand that Terms and Conditions may be amended or supplied from time-to-time. You consequently agree to abide to such amended or supplied Terms and Conditions if you intend to keep using your KrediFazz services.
   4. Should one or more of the provisions in this Terms and Conditions become no longer applicable, invalid or unenforceable in any way according to prevailing laws, such event will not affect the validity, applicability and enforceability of other provisions in this Terms and Conditions.