1. Introduction

PT Fairbanc Technologies Indonesia ("Fairbanc", "we", "us", or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, share, and protect information when you use our Fairlink mobile application ("App") and related services.

By using the Fairlink App, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our App.

2. Information We Collect

2.1 Information You Provide

• Account Information: Name, email address, phone number, and password when you create an account.
• Business Information: Business name, address, business type, and related documentation.
• Identity Verification: Government-issued ID (KTP), photos for verification purposes.
• Financial Information: Transaction history, payment information, and credit-related data.
• Communications: Messages, feedback, and support requests you send to us.

2.2 Information Collected Automatically

• Device Information: Device type, operating system, unique device identifiers, and mobile network information.
• Location Data: GPS location (with your consent) to verify business locations and provide location-based services.
• Usage Data: App interactions, features used, time spent on the App, and crash reports.
• Camera and Photos: Images captured for business verification, inventory documentation, and identity verification.

2.3 Permissions We Request

• Camera: To capture photos for business verification and documentation.
• Location: To verify business locations and provide location-based services.
• Storage: To save and access photos and documents on your device.
• Phone: To enable SMS verification and customer support calls.

3. How We Use Your Information

We use the collected information for the following purposes:

• To provide, maintain, and improve our services.
• To process transactions and manage your account.
• To verify your identity and business information.
• To assess creditworthiness and manage credit limits.
• To communicate with you about updates, promotions, and support.
• To detect, prevent, and address fraud and security issues.
• To comply with legal obligations and regulatory requirements.
• To analyze usage patterns and improve user experience.

4. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third-party companies that help us provide and improve our services.
• Business Partners: Distributors and partners involved in fulfilling your orders.
• Financial Institutions: Banks and payment processors for transaction processing.
• Legal Authorities: When required by law or to protect our rights and safety.
• Corporate Transactions: In connection with mergers, acquisitions, or asset sales.

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest.
• Secure authentication mechanisms.
• Regular security assessments and audits.
• Access controls and employee training.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

7. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your personal information, subject to legal requirements.
• Opt-out: Unsubscribe from marketing communications at any time.
• Withdraw Consent: Withdraw consent for location or camera access through device settings.

To exercise these rights, please contact us using the information provided below.

8. Children's Privacy

Our App is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information promptly.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

11. Bahasa Indonesia

Kebijakan Privasi ini tersedia dalam Bahasa Indonesia. Jika terdapat perbedaan antara versi Bahasa Inggris dan Bahasa Indonesia, versi Bahasa Indonesia yang akan berlaku untuk pengguna di Indonesia.