1. Co-Funding Services Based on Information Technology (“Lending and Borrowing Services”) is the provision of financial services to bring together lender and borrower in conducting conventional or sharia-based funding directly through an electronic system using the internet. Lending and Borrowing Services is a civil agreement between the Lender and the Borrower, so that all probably risks arising from the agreement are borne entirely by each party.

2. Neither party bears the risk of default on the loan nor is responsible for the loss of the Operator, Lender, and/or Borrower from or related to the granting of a loan or any agreement between the Provider, Lender and/or Borrower, except for insurance coverage in accordance with applicable terms and conditions.

3. The Operator with the approval of each User (Lender and/or Borrower) accesses, obtains, saves, manages and/or uses the User's personal data ("Utilization of Data") on or inside objects, electronic devices (including smartphones or cellular phones, hardware or software, electronic documents, applications or electronic systems owned by Users or controlled by Users, by notifying the purpose, limits and mechanism of Utilizing such Data to the User concerned before obtaining an agreement intended in this Lending and Borrowing Services.

4. To avoid any of credit risk or default Lender who does not have the knowledge and experience of lending and borrowing are advised not to use this service.

5. Borrower must consider, learn, and fully understood regarding the loan interest rate and other fees in accordance with the ability to repay the loan.

6. Borrower is aware of the risk of losing assets or assets due to credit risk or default.

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

8. Borrower is required to learn basic knowledge of Information Technology Based Lending and Borrowing Services before receiving a loan.

9. Users must read, learn, and understand this information before making a decision to become a Lender or Borrower.

10. Credit records of the Borrower will be reported periodically to the Financial Services Authority and/or the Indonesian Joint Funding Fintech Association for the benefit of the Fintech Lending Data Center or Fintech Data Center which will be used together with the Operators, national banking industry players and other financial industries.

11. Users must read, study and understand this information before making a decision to become a Lender or Borrower.

12. Operator supports Money Laundering and Terrorism prevention.

13. The Government, in this case the Financial Services Authority, is not responsible for any violations or non-compliance by Users, both Lenders and Borrowers (either due to intentions or negligence of Users) to the provisions of legislation and agreements or agreements between Operator and Lender and/or Borrower.

14. Every loan lending transaction or activity or the implementation of an agreement regarding borrowing between or involving an Operator, Lender, and/or Borrower must be carried out through an escrow account and virtual account as required by the Financial Services Authority Regulation Number 10/POJK.05/2022 regarding Co-Funding Services Based on Information Technology, and violations or non-compliance with the provisions constitute evidence of violation of law by the Operator so that the Operator must bear compensation suffered by each User as a direct result of violation of the aforementioned law without reducing Users rights who suffer losses according to the Civil Code.

PT Uangme Fintek Indonesia (hereinafter shall referred as Operator, Company or UangMe depend on the context) is a legal entity established under the Law of the Republic of Indonesia. Standing as a company that has been regulated by and under the supervision of the Financial Services Authority (OJK) in Indonesia, the Company provides interfacing services as liaison parties who provide loans and parties that need loans including funding from individuals, organizations and legal entities to certain individuals or legal entities. The company does not provide any form of advice or funding recommendations regarding the options in this site.

The content and material available on the UangMe website are intended to provide information and is could not possible to be considered as an offer, request, invitation, suggestion, or recommendation to invest in securities, capital market products, or other financial services. Companies in providing services are limited to administrative functions.

Funding and loans placed in UangMe bank account are not and will not be considered as deposits held by the Company as stipulated in the Legislation concerning Banking in Indonesia. The company or any Director, Employee, Employee, Representative, Affiliate, or Agent does not have any responsibility related to any disturbances or problems that occur or are considered to occur due to the lack of preparation or publication of the material listed on the Company's website.