KasPro Terms and Conditions

3. OTP and PIN Code

1. Customers must understand that OTP and PIN code are a code used to access the KasPro Account, KasPro Application, and to utilize KasPro Services. Therefore, Customers are required to maintain the confidentiality of their OTP and/or PIN codes by not disclosing their OTP and/or PIN codes to any third party under any circumstances and by any means.
2. Requests for OTP and/or PIN code from Customers are only made through the KasPro Application. SPI, its employees, representatives, and official SPI personnel will never ask Customer to provide or disclose their OTP and/or PIN codes by any means. Therefore, please do not respond to requests from any party asking the Customer to provide or disclose their OTP and/or PIN codes.
3. Customers will be responsible for and bear all losses and consequences arising from the misuse of the KasPro Account due to their negligence and/or carelessness in maintaining the confidentiality of their OTP and/or PIN codes.
4. If Customer suspect or become aware that their KasPro Account access is lost or stolen, and/or unauthorized transactions occur, Customer can report this to KasPro’s Customer Care through KasPro's official contacts (as listed in number 14 point 1 of these Terms and Conditions).

4. Data Update and Personal Data Protection

1. SPI will do it’s best to always maintain the security and confidentiality of data and information that the Customer submits to SPI or that SPI collects from the Customer, especially those concerning the Customer's personal data and activities of using KasPro Services, which are submitted to SPI or collected by SPI for the purpose of registration, upgrading KasPro Account subscription status, submitting information, managing claims, analyzing, developing/improving services, and other purposes as long as it does not contradict with the applicable laws and regulations.
2. In the event that SPI cooperates with Third Parties regarding the management of KasPro Customer data and/or information, SPI guarantees the security and confidentiality of KasPro Customer data and/or information.
3. By giving approval to these Terms and Conditions, it means that Customer has also agreed to the Privacy Policy which Customer can access, read, and study through the following link: Privacy Policy. Please read and study carefully all the provisions in the Privacy Policy so that Customers understand and comprehend how SPI protects and processes Customer data and information.
4. Customer are required to submit changes to personal data and information that have been submitted to SPI previously through the KasPro Application accompanied by supporting evidence and/or documents, including phone number and electronic mail/e-mail addresses submitted when registering for KasPro Account in order to ensure and maintain the Customer's personal data in the KasPro Account is valid, actual, accurate, and up-to-date.
5. In order to carry out the obligation to implement the Anti-Money Laundering and Counter-Terrorism Financing (AMLCFT) program as stipulated in Bank Indonesia Regulation Number 19/10/PBI/2017 concerning the Implementation of Anti-Money Laundering and Prevention of Terrorism Financing for Non-Bank Payment System Service Provider And Non-Bank Money Changing Service Provider, SPI has the right to request the Customer to provide additional data and information (other than those referred to in these Terms and Conditions) along with supporting evidence and/or documents needed to prevent the misuse of KasPro Services as a means of money laundering and terrorism financing and the Customer is obliged to comply with such requests.

5. KasPro Balance

1. Customers can view their KasPro Balance through the KasPro Application.
2. KasPro Balance can be used for:
1. Payment transactions for the purchase and/or payment of goods and/or services to Merchants or bill payments;
2. Sending KasPro Balance between KasPro Customers (only available for Premium Customers).
3. Sending KasPro Balance to a bank account (only available for Premium Customers).
4. KasPro Balance Withdrawal (only available for Premium Customers).
3. For Premium Customers, the KasPro Balance can be withdrawn in cash through SPI's official partners and cash withdrawal channels, as listed in the "Cash Withdrawal" menu.
4. KasPro Customers can Top Up their KasPro Balance through KasPro Agents or by transferring funds from a bank account or through other cash in facilities that SPI will inform about from time to time.
5. SPI applies a maximum limit for the KasPro Balance value that can be loaded in to the KasPro Account, amounting to IDR 2,000,000 (two million Indonesian Rupiahs) for Regular Customers or amounting to IDR 20,000,000 (twenty million Indonesian Rupiahs) for Premium Customers.
6. SPI applies a maximum transaction limit within a 1 (one) month period, amounting to IDR 20,000,000 (twenty million Indonesian Rupiahs) for Regular Customers or amounting to IDR 40,000,000 (forty million Indonesian Rupiahs) for Premium Customers.
7. The limitations mentioned in number 5 point 5 and 6 of these Terms and Conditions may change at any time and automatically follow changes and/or enforcement of new regulations or provisions by Bank Indonesia, which SPI will notify of any changes to these limits to the Customer no later than 30 (thirty) working days before the changes are implemented.

6. Use of KasPro Services

1. KasPro Services may only be used by Customers and cannot be transferred by the Customer to other parties without SPI's approval. Any consequences or losses arising from the Customer's own fault, negligence, or carelessness in using this service are solely the burden and responsibility of the Customer.
2. KasPro Services cannot be used for Shopping Payment transactions at Merchants if:
1. There are insufficient funds in the KasPro Account; and/or
2. KasPro Account is blocked at the request of the authorities or indicated to be used for activities that harm SPI and/or other parties.
3. In the event that a Customer violates some or all of these Terms and Conditions, SPI has the right to:
1. reject any Transactions initiated by the Customer; and/or
2. close, terminate, and/or block KasPro Services for the respective Customer.
4. SPI, while adhering to applicable regulations, has the right to establish and change the Fund Limit at any time through written notifications (via SMS, WhatsApp, or other written notifications) to Customers, no later than 30 (thirty) working days before the establishment and/or changes are made.
5. Customers do not receive interest on their funds in the KasPro Account..
6. KasPro Balance Top Up (Top Up)
1. Customers can top up their KasPro using the KasPro Application or through the following channels:
1. Automated Teller Machines (ATM);
2. Mobile Banking;
3. Internet Banking;
4. SMS Banking;
5. KasPro Agent; and
6. Other facilities that SPI will inform to customers from time to time.

The KasPro Top Up guide using the channels mentioned above can be accessed and viewed by Customers by selecting the "Top Up" menu in the KasPro Application. A fee may be applied to KasPro Top Up transactions depending on the channel used by Customers to perform the KasPro Top Up Transaction.

2. All information used by Customers to perform the KasPro Balance Top Up (whether it's a PIN, token, or other security code) will not be stored by SPI in the KasPro System, as the transaction validation process through the Bank or other providers for the KasPro Balance Top Up will be carried out directly by the Bank or other providers.
3. KasPro Top Up transactions through the Bank using the provided facilities (as mentioned above) will be processed through the banking system, with the KasPro Application only relaying the transaction status as "Successful" or "Failed" from the Bank.
4. If a Top Up Transaction is deemed successful, the bank account balance used by the Customer for the Top Up transaction will decrease, and the KasPro Balance will increase by the amount of the Top Up transaction initiated by the Customer. If the KasPro Balance does not increase after a successful Top Up transaction, the Customer can contact KasPro’s Customer Care through KasPro's official contacts (as listed in number 14 point 1 of these Terms and Conditions).
5. When performing a Top Up transaction through SMS Banking, Customers will be charged a fee for sending the token via SMS by the telecommunications operator.
6. KasPro Top Up transactions through KasPro Agents are initiated by Customers by making a cash deposit to their KasPro Account by providing the Account Number and the amount of money to be deposited for the KasPro Account Top Up.
7. Customers understand that from time to time, system and/or network disruptions may occur when Customers perform KasPro Top Up transactions through the channels mentioned above. In such cases, SPI will make reasonable efforts to assist in resolving the system and/or network disruptions, including forwarding Customer complaints to the respective KasPro Agents and Banks for follow-up actions.
7. KasPro Balance Withdrawal (Cash Out)
1. The KasPro Balance Withdrawal feature can only be done by Premium Customers with a maximum amount equal to the amount of KasPro Balance in the Premium Customer's KasPro Account and will be subject to applicable service fees as informed by SPI.
2. Premium Customers can make a CashPro Balance Withdrawal through the KasPro Application using the following facilities:
1. Transferring the available balance in the KasPro Account to the Bank account number registered in the KasPro Application;.
2. Perform cash withdrawal transactions through KasPro Agent;
3. Perform cash withdrawal transactions without a card through Danamon ATMs; and
4. Other facilities that will be notified by SPI from time to time.
3. KasPro Balance Withdrawal Guide by transferring the available balance in the KasPro Account to the Bank account registered in the Kaspro Application can be accessed and viewed by the Customer by pressing the "Send" menu then pressing the "Bank" option on the KasPro Application.
4. Guidelines for cash withdrawal transactions through KasPro Agents and cardless cash withdrawal transactions through Danamon ATMs can be accessed and viewed by Customers by pressing the "Cash Withdrawal" menu on the KasPro Application.
5. The amount of KasPro Balance to be withdrawn is determined by the Premium Customer by complying with the provisions of the minimum and maximum amount of KasPro Balance that can be withdrawn in 1 KasPro Balance Withdrawal
6. Premium Customers are fully responsible for any errors in entering Bank account information in order to make Cash Withdrawal through KasPro Balance transfer to the Bank account registered in the KasPro Application.
7. Premium Customers understand that from time-to-time system and/or network disruptions may occur when Customers make KasPro Balance Withdrawal through the facilities (as listed above), if this happens then SPI will make reasonable efforts to help resolve the system and/or network disruption, including forwarding Premium Customer complaints to the relevant Bank and KasPro Agent for follow-up.
8. KasPro Balance Transfer
1. The KasPro Balance Transfer feature can only be used by Premium Customers with a maximum amount equal to the amount of KasPro Balance in the Premium Customer's KasPro Account and will be subject to applicable service fees as informed by SPI.
2. You can send the KasPro Balance through the KasPro Application to other KasPro accounts and bank accounts by pressing the "Send" menu on the KasPro Application, selecting whether to send the KasPro Balance to the KasPro Account or bank account, and entering the recipient's information (including phone number, bank name, bank account number), the amount of money to be transferred, and can write optional notes.
3. SPI can set the minimum and maximum value of KasPro Balance Transfer for 1 (one) KasPro Balance Transfer transaction. Changes to the minimum and maximum value of KasPro Balance Transfer for 1 (one) KasPro Balance Transfer transaction will be notified by SPI to you.
4. By using the KasPro Balance Transfer feature, the Customer understands and agrees to give SPI access to the phone number contact on the Customer's electronic device to be used in connection with sending money to fellow KasPro Customers.
5. The Customer is responsible for ensuring that all information entered by the Customer is true and accurate. Any legal consequences caused by the Customer's error in entering information on the phone number, bank name, bank account number, and/or the amount of money to be sent is entirely the responsibility of the Customer, and SPI has no responsibility in any form.
6. In the KasPro Balance Transfer feature, SPI has the right to charge a fee to you as the sender of money for the KasPro Balance Transfer transaction to a bank account based on the destination bank account, the amount of which will be notified by SPI to the Customer from time to time in the KasPro Application. Information related to changes in the Send Balance KasPro transaction fee will be notified by SPI to you through the media designated by SPI.
9. Bill Payment
1. Purchases of credit and data packages from telecommunications operators or other operators can be made through the KasPro Application with available denominations or according to the instructions displayed in the KasPro Application.
2. Purchasing Indonesian Train (KAI) tickets can be done through the KasPro Application for the guidelines can be accessed and viewed by Customers by pressing the "Others" menu then pressing the "Ticket" option then pressing the "KAI" menu on the KasPro Application.
3. Payment of post-paid bills or monthly routine bills such as electricity bills, water bills, internet and TV subscription bills, credit card bills, telephone bills, insurance bills, multi-finance bills, school bills and other routine bills can be made through the KasPro application.
4. SPI is not responsible for losses due to faults/negligence of the Customer in inputting information details, nominal and payment data.
10. Payment to Merchant
1. Customers can make payment transactions for purchases at Merchants using the KasPro Application.
2. In making payment transactions for purchases at Merchants using the KasPro Application, Customers will comply to the Terms and Conditions of purchase applied to/by the Merchant.
3. All forms of promotions at KasPro Merchants are subject to each applicable promotional terms and conditions and certain promotional periods. The form, terms and conditions, and period of the promotion are at the sole discretion of KasPro.
4. Customers can make payment transactions for purchases at QRIS Merchants for the purchase of goods/services using the KasPro Application with the source of funds originating from the KasPro Balance.
11. Refund
1. If the Customer makes a purchase via QRIS on the KasPro Application and complains that the QRIS transaction failed or the Merchant has not received payment, but the KasPro Balance has been deducted, then the Customer is entitled to a refund. To get a refund, the Customer must contact Customer Care through KasPro's official contacts (as listed in number 14 point 1 of these Terms and Conditions) and report that the QRIS transaction failed or the Merchant has not received payment, but the KasPro balance in the KasPro account has been deducted and submit sufficient supporting evidence. The refund process will be carried out no later than 22 (twenty two) working days after the Customer reports to Customer Care accompanied by sufficient supporting evidence. In such case, SPI will process the refund to the Customer's payment instrument or to the Customer's KasPro Balance based on the results of SPI's review of the claim, where the refund will be made in full or in accordance with the funds spent on the transaction.
2. If the Customer makes a transaction through the KasPro application outside of QRIS transactions (PPOB purchase or Cash Out) and complains that the transaction failed or the party who should have received the payment has not received the payment, but the KasPro Balance is deducted, then the Customer is entitled to a refund. To get a refund, the Customer must contact Customer Care through KasPro's official contacts (as listed in number 14 point 1 of these Terms and Conditions) and report that the QRIS transaction failed or the Merchant has not received payment, but the KasPro balance in the KasPro account has been deducted and submit sufficient supporting evidence. The refund process will be carried out no later than 7 (seven) working days after the Customer reports to Customer Care accompanied by sufficient supporting evidence. In such cases, SPI will process the refund to the Customer's payment instrument or to the Customer's KasPro Balance based on the results of SPI's review of the claim, where the refund will be made in full or in accordance with the funds spent on the transaction.
3. The full refund process also applies to transactions using promos.
12. Third-Party Cooperation in the KasPro Application

Customers understand that there are Terms and Conditions of the KasPro Application as well as more specific terms and conditions related to products or features of third-party cooperations with SPI, which can be accessed within the KasPro application, both currently available and in the future with prior notice. This includes, but is not limited to, cooperations with merchants, partners (including banks), aggregators, and other payment/financial service providers.

7. KasPro Balance and Electronic Money Transactions Limits

1. The amount of KasPro Balance for Regular Customers is limited to Rp. 2,000,000,- (two million Rupiah).
2. The amount of KasPro Balance of Premium Customers is limited to Rp. 20,000,000,- (twenty million Rupiah).
3. Monthly electronic money transactions of Regular Customer KasPro Account cannot exceed Rp 20,000,000,- (twenty million Rupiah) in 1 (one) calendar month or other amounts as determined by the competent authority.
4. Monthly electronic money transactions of Premium Customer KasPro Account cannot exceed Rp 40,000,000,- (forty million Rupiah) ini 1 (one) calendar month or other amounts as determined by the competent authority.
5. If the balance or monthly transaction of the Customer's electronic money exceeds this limit, SPI has the right to verify before taking further action, including not executing the transaction order submitted by the Customer.
6. We need you to understand that SPI is not a bank. The Customer's KasPro e-money balance is not a savings account within the meaning of banking laws, is not subject to the Deposit Insurance Corporation's protection program and is not entitled to any features generally attached to a bank account (such as interest, etc).

8. Duration of KasPro Account Validity

A Customer's KasPro Account will remain valid as long as the account is not permanently closed, either by the Customer request or by SPI.

9. Promotion

1. SPI may offer promotional benefits and/or incentives for the use of the KasPro Application, in which case this Terms of Use for the KasPro Application and specific terms and conditions related to each relevant promotion and/or incentive will apply to the offering of such promotional benefits and/or incentives.
2. Specific terms and conditions related to each promotional and/or incentive program will be provided by SPI through publicly accessible media.
3. SPI reserves the right to determine the applicable requirements for each promotional and/or incentive program and to determine the eligibility of each Customer and/or business partner in each promotional and/or incentive program.
4. Changes and/or termination of promotions and/or incentives, as well as withholding, cancelation, and/or withdrawal of promotional benefits and/or incentives, including cases where the provision of promotional benefits and/or incentives cannot be executed due to restrictions based on applicable terms, transaction cancellations and/or refunds, discovery of abusive, fraudulent, and/or other suspicious activities, may be carried out by SPI, and SPI will inform Customers of such actions.

10. KasPro Account Locking

1. The Customer's KasPro Account will be temporarily locked automatically through the KasPro System without sending a notification regarding the closure of the KasPro Account in advance, if:
1. The Customer's KasPro Account is included as a Dormant Account, namely the Customer's KasPro Account which:
1. does not conduct any transactions using the KasPro Application for 360 (three hundred sixty) consecutive calendar days; or
2. does not conduct any transaction using the KasPro Application for 360 (three hundred sixty) consecutive calendar days counted from the day the Customer registered their KasPro Account; and/or
2. The Customer's KasPro Account is suspected of being used for abusive, fraudulent and/or other suspicious activities.
2. If a temporary locking of the Customer's KasPro Account is carried out, then when the Customer opens the KasPro Application, the Customer will not be able to log in and a notification will appear that the Customer's KasPro Account is locked or "Your account is locked" which at that time indicates that the Customer's KasPro Account enters a grace period for the Customer to validate and re-verify his KasPro Account to be able to reactivate his KasPro Account.
3. During the grace period, the Customer can do:
1. Reactivation of his/her KasPro Account which is included as a Dormant Account by contacting Customer Care through KasPro's official contacts (as stated in the Number 14 point 1 of these Terms and Conditions) to validate their identity and verify his/her KasPro Account ownership. Where:
1. If the validation of personal identity and verification of ownership of the Customer's KasPro Account is successful, Customer Care will process the reactivation of the Customer's KasPro Account no later than 7 working days from the time the Customer contacts Customer Care to request reactivation of the KasPro Account; or
2. If the validation of personal identity and verification of ownership of the Customer's KasPro Account is unsuccessful, Customer Care will locked the Customer's KasPro Account no later than 30 working days from the date the Customer contacts Customer Care to reactivate the account;
2. Reactivation of his/her KasPro Account that is suspected of being used to commit abusive, fraudulent and/or other suspicious activities by contacting Customer Care through KasPro's official contacts (as stated in Number 14 number 1 of these Terms and Conditions) to validate his/her identity and verify ownership of his/her KasPro Account and provide information and data requested by Customer Care which is necessary to prove whether or not the Customer has committed abusive, fraudulent and/or other suspicious activities. Then:
1. if the validation of personal identity and verification of ownership of the Customer's KasPro Account is successful and the Customer is proven that he/she didn’t do abusive, fraudulent and/or other suspicious activities based on the results of the examination by SPI, then Customer Care will process the reactivation of the Customer's KasPro Account no later than 7 working days from the time the Customer contacts Customer Care to request reactivation of the KasPro Account; or
2. if the validation of personal identity and verification of ownership of the Customer's KasPro Account is not successful and/or the Customer is proven that he/she did abusive, fraudulent and/or other suspicious activities based on the results of the SPI examination, Customer Care will reject the Customer's KasPro Account reactivation request and send a notification of the rejection of the Customer's KasPro Account reactivation request to the Customer no later than 7 working days from if the validation of personal identity and verification of ownership of the Customer's KasPro Account is not successful and/or the Customer is proven to be abusive, fraudulent and/or other suspicious activities based on the results of the SPI examination; and
3. closing the KasPro Account and redeeming the KasPro Balance in his/her KasPro Account (as referred to in point 12 number 2 of these Terms and Conditions).

11. KasPro Account Blocking

1. At the request of the Customer, SPI will block the Customer's KasPro Account and the use of KasPro Services with Customer’s KasPro Account. In addition, if in SPI's judgment, there are things that are harmful and/or can harm SPI, Customer, and/or other parties, SPI will also do KasPro Account blocking unilaterally. However, SPI provides a complaint filing path for Customer to stop the blocking.
2. Account blocking may occur due to the following events:
1. customer enters the wrong PIN 4 (four) times in a row;
2. customer provides data/information and information that is untrue or misleading at the time of registration and/or upgrade to KasPro Account Subscription status;
3. customer report that his/her mobile phone is lost or has been stolen or hacked;
4. blocking order issued by government or monetary institutions or based on court orders;
5. customer’s KasPro Account and/or KasPro Services being used in a manner that is contrary to these Terms and Conditions, KasPro's Privacy Policy, and any applicable laws and regulations, including but not limited to fraud, use of false documents, and so forth;
6. other reasons that are detrimental to Customer or SPI, including fraudulent acts and fraudulent acts;
7. when SPI's system captures suspicious financial transaction patterns; and/or
8. other events that could reasonably be the reason for blocking Customer accounts.
3. If your KasPro Account is blocked and you have strong evidence that nothing suspicious has happened, you may submit your complaint in accordance with these Terms and Conditions. After reviewing your complaint, SPI may determine to terminate or continue the blocking of your KasPro Account. The blocking will not be unreasonably continued if SPI determines that the circumstances giving rise to the blocking have ceased.

12. Account Closing

1. If the Customer wants to close the KasPro account whose no longer have balance or empty, these are the steps that the Customer need to do:
1. Customer contact Our Customer Care through KasPro’s official contacts (as stated in number 14 point 1 of these Terms and Conditions) to propose an account closure request;
2. Customer Care will send an account closure form to the Customer no later than 1 (one) business day from the time the Customer contact Customer Care to propose an account closure request;
3. Customer fill in the KasPro Account closure form and send the KasPro Account closure form that has been filled to Customer Care through the channel used by the Customer when contacting Customer Care to submit an account closure request; and
4. Customer Care will close the Customer's KasPro Account, where the process of closing the Customer's KasPro Account will be carried out no later than 1 (one) business day from the time the Customer sends KasPro Account closing form that has been filled to Customer Care.
2. If the Customer wants to close the KasPro account that still has a balance, these are the the steps that the Customer needs to do:
1. Customer contact Our Customer Care through KasPro’s official contacts (as stated in number 14 point 1 of these Terms and Conditions) to propose an account closure request;
2. Customer Care will send an account closure and balance redeem form to the Customer no later than 1 (working day) from the date the Customer contacts Customer Care to propose an account closure request;
3. Customer fills in the KasPro Account closure form and states the account number or other KasPro account number to which the funds will be sent in the account closure and balance redeem form, then the Customer sends the KasPro Account closure and balance redeem form that has been filled to Customer Care through the email channel.
4. Customer Care will close the Customer's KasPro Account, where the process of closing the Customer's KasPro Account will be carried out no later than 3 (three) working days from the time the Customer sends KasPro Account closure and redeem balance form that has been filled to Customer Care.

13. Compensation

1. By becoming a KasPro Customer, KasPro Customer agrees that SPI, SPI's licensors, SPI's affiliates, and all directors, commissioners, employees, agents and representatives of SPI will be released from all liability for damages and expenses for KasPro Customer's losses caused by:
1. kasPro Customer is proven to violate the provisions in these Terms and Conditions and applicable laws;
2. kasPro Customer is proven to violate the rights of third parties related to KasPro and/or KasPro Services;
3. misuse of KasPro and/or KasPro Services by KasPro Customer or other parties through KasPro Customer's KasPro Account;
4. negligence and/or mistakes made by other parties; and/or
5. blocking of the KasPro Account which is carried out in accordance with the provisions in these Terms and Conditions.
2. SPI is only responsible for compensation, restoration of reputation, and/or other things needed for KasPro Customers' losses due to SPI's negligence and/or faults that violate the provisions stated in these Terms and Conditions and/or applicable legal provisions.
3. This compensation provision will continue to apply even though there has been an Account Closure of the KasPro Customer's KasPro Account.

14. Customer Support Service (Customer Care)

1. All requests for information, service requests, complaints, and claims related to KasPro Accounts, KasPro Applications, KasPro Services, and these Terms and Conditions must be submitted by Customers only through Customer Care Services. Customer Care Services can be contacted through KasPro’s official contacts as follows:
   1. Phone at (021) 509 285 95; (Monday – Sunday, 08:00 AM – 10:00 PM WIB);
   2. Email at support@kaspro.id; or
   3. WhatsApp at +6289530256764.
2. In order to respond to and/or follow up on requests for information, service requests, complaints, and claims related to KasPro Accounts, KasPro Applications, KasPro Services, and these Terms and Conditions, SPI needs to verify the data of KasPro Customers. If the verification results show that the data of KasPro Customers does not match the data in the KasPro System, SPI reserves the right to refuse to respond to and/or follow up on them. SPI will review and verify requests for information, service requests, complaints, and claims related to KasPro Accounts, KasPro Applications, KasPro Services, and these Terms and Conditions from KasPro Customers and provide responses in accordance with applicable policies and procedures.

15. Statement and Guarantees

1. The Customer states and guarantees that based on applicable laws and regulations the Customer is a capable party to use the services provided by SPI.
2. The Customer hereby states and guarantees that the Customer is an individual who is legally authorized to be bound in an agreement based on the laws of the Republic of Indonesia, specifically bound in these Terms and Conditions. The Customer at the time of accessing, registering, and/or using the Kaspro Application, is at least 21 (twenty-one) years old or less than 21 (twenty-one) years old and has been married, and is not under guardianship. If the Customer is less than 21 (twenty-one) years old or less than 21 (twenty-one) years old and has never been married at the time of accessing, registering, and/or using the KasPro Application, the Customer states and guarantees that the Customer has obtained approval from the Customer's legal parent/guardian to register, and/or use the KasPro Application.
3. The use of the KasPro Account and/or KasPro services constitutes the Customer's acknowledgment and agreement to be subject to:
1. the KasPro Application Terms and Conditions;
2. specific terms and conditions of the KasPro Application in cooperation with third party application providers;
3. specific terms and conditions related to promos;
4. specific terms and conditions applicable to each service feature available in the KasPro Application;
5. privacy policy; and
6. any applicable laws and regulations.
4. Customer state and guarantee that the Customer will use the KasPro Application reasonably in accordance with these Terms and Conditions and applicable laws and regulations in the Republic of Indonesia, and will not take any action aimed at avoiding, penetrating, and/or utilizing security system loopholes or causing interference and/or damage to the KasPro Application system, misusing the KasPro Account, products and features in the KasPro Application, or causing losses to SPI and/or other Customers. Customers are responsible for all consequences of violating this provision.
5. The Customer state and guarantee that the funds used in the Transaction are not funds derived from criminal acts prohibited under the prevailing laws and regulations in the Republic of Indonesia, the opening of the KasPro Account is not intended and/or intended in the context of efforts to commit criminal acts of money laundering and terrorism financing in accordance with the provisions of the prevailing laws and regulations in the Republic of Indonesia, the Transaction is not carried out for the purpose of deceiving, obscuring, or avoiding reporting to the Transaction Reporting and Analysis Center (PPATK) based on the provisions of laws and regulations in force in the Republic of Indonesia, Transactions are not made to make payments for Transactions whose nature or object violates the laws and regulations in force in the Republic of Indonesia, and the Customer is fully responsible and releases SPI from all demands, claims, or compensation in any form if the Customer is found to have committed a criminal act of money laundering and/or terrorism financing based on the provisions of laws and regulations in force in the Republic of Indonesia.
6. The Customer hereby states and guarantees that he/she will always use the KasPro Account safely.
7. The Customer hereby declares that he/she is willing to complete all data or requests for additional data or documents requested by SPI in connection with further investigation/examination of suspected suspicious transactions and/or indicated to violate the Terms and Conditions or provisions of laws and regulations.
8. The Customer will not grant rights, authority and/or power of attorney in any form and under any conditions to any other person or party to use the data, account and/or PIN.
9. The Customer state and guarantee that he/she will update and notify SPI if there is any change in data related to the Customer data that has been registered and/or submitted to SPI;
10. By carrying out Transactions through the KasPro Application, the Customer understands that all communications and instructions from the Customer received by SPI will be treated as authentic evidence even though they are not made in the form of written documents or issued in the form of signed documents. Customers hereby state and guarantee that Customer does not and will not deny the enforceability and validity of electronic communications and instructions submitted by the Customer through the KasPro Application, as authentic evidence;
11. The Customer hereby acknowledges and agrees that the services provided through the KasPro Application are provided "as is" and "as available", without any guarantee from SPI that the services provided through the KasPro Application are suitable for the Customer's particular purpose or needs. In this case, the KasPro Application does not provide a guarantee that:
1. the use of the KasPro Application can meet all of the Customer's needs;
2. he KasPro Application will be available continuously without interruption/error;
3. any discrepancies in the KasPro Application application will be corrected to meet the Customer's wishes. However, SPI will still try its best and reasonable to provide the best service for the Customer.
12. The Customer hereby represents and warrants that the registration and upgrade of status to the KasPro Account Subscription is carried out only for its interests and not for the interests of other parties (including other persons, legal entities, and / or business entities). SPI has the right to refuse registration and upgrade status to KasPro Account Subscription with the aim of fulfilling the interests of parties other than the interests of the Customer.

16. Others

1. These Terms and Conditions shall be subject to and governed and enforced in accordance with the laws of the Republic of Indonesia;
2. In the event of a dispute in the interpretation or implementation of the Terms and Conditions, SPI and the Customer agree to resolve the dispute through deliberation. In the event that consensus cannot be reached, the Customer may also submit a complaint through a dispute resolution body or institution or to Bank Indonesia. If the aforementioned methods are unsuccessful, then the dispute will be resolved through the South Jakarta District Court;
3. These Terms and Conditions are made in Indonesian and English. In the event of any inconsistency between the two, SPI and Customer agree to use Bahasa Indonesia as the binding language;
4. Kaspro Application, including its name and logo, code, design, technology and business formula, is protected by a copyright, trademark, patent and other intellectual property rights and is subject to applicable laws and regulations in the Republic of Indonesia. SPI (and parties related to the licensing of the Kaspro Application, if any) owns all rights and interests of the Kaspro Application related to intellectual property rights that follow. These Terms and Conditions do not result in the transfer or grant the right for the Customer to use the intellectual property rights of the Kaspro Application in the broadest sense of the intellectual property rights as mentioned above.
5. The failure or delay of SPI in taking direct action, imposing sanctions, or exercising SPI's rights or obligations, and/or filing a lawsuit or claim for violation of these Terms and Conditions, does not eliminate the Customer's obligations and does not constitute a waiver of SPI's right to take any necessary action in the future.
6. Customers are prohibited and/or cannot transfer its rights and obligations under these Terms and Conditions without prior approval from SPI based on SPI's sole judgment and discretion.
7. If there is a provision in these Terms and Conditions which is found to violate the applicable laws and regulations in part or in full, then the provision deemed to violate is excluded from these Terms and Conditions and the other terms and conditions remain valid and binding.
8. These Terms and Conditions, both in part and in whole, including features or services offered by SPI, may be changed, updated, and/or added from time to time based on the applicable policies in the KasPro Application. Any changes, updates, and/or additions to these Terms and Conditions and/or features or services offered by SPI will be informed to the Customer no later than 30 (thirty) business days prior to the changes, updates, and/or additions. Where the Customer is required to give approval to the Terms and Conditions and features or services that have been changed, updated, and / or added to be able to remain a KasPro Customer. If within 30 (thirty) working days KasPro Customer does not give approval for changes, updates, and/or additions to the Terms and Conditions and features or services offered by SPI, then KasPro Customer is deemed to have agreed to the changes, updates, and/or additions.
9. The Customer hereby acknowledges and gives approval to SPI to use the Customer's personal data/information on the features available on the Kaspro Application for the development of service types/models and the use of the Kaspro Application, while considering the provisions of the Privacy Policy and applicable laws and regulations. The Customer's continued use of the Kaspro Application constitutes the Customer's consent and acceptance to SPI to use the Customer's personal data/information on the features available on the Kaspro Application, while considering the provisions of the Privacy Policy and applicable laws and regulations. Customer can withdraw its consent by contacting SPI Customer Care and Customer agrees to provide the necessary information and/or data to SPI for verification purposes. The Customer also understands that its actions may pose a risk in the form of restrictions on the use of Kaspro Application services/features for the Customer.
10. The management of Customer's personal data is regulated in the Privacy Policy where the Privacy Policy is an integral and inseparable part of these Terms and Conditions and therefore hereby declares that the Customer accepts and agrees to the relevant Privacy Policy.
11. The Customer understands that in using the Kaspro Application, personal data from the Customer will be collected, used or shown so that the Customer can enjoy the Kaspro Application services to the fullest.
12. Customers can contact Customer Care or log in to Kaspro Application and website to find out information in connection with Kaspro Application Services.

17. Closing Provisions

The Customer understands and agrees that these Terms and Conditions constitute an agreement in electronic form and the Customer's action of pressing the register button or log in button or marking the approval box when accessing the Kaspro Application constitutes the Customer's agreement to enter into an agreement with SPI so that the validity of these Terms and Conditions is valid and legally binding and continues to apply throughout the Customer's use of the Kaspro Application.

SPI may transfer SPI's rights under these Terms and Conditions by providing information and/or notification to the Customer.