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PRIVACY NOTICE

This update takes effect as of 03 September 2026

This Privacy Notice describes how PT Espay Debit Indonesia Koe ("PT EDIK") and its Group of Companies (collectively referred to as "DANA" or "We") obtain, collect, process and analyze, store, correct and update, display, transfer, delete and/or destroy, and protect personal data ("Process Personal Data" or "Processing of Personal Data") belonging to you ("You" or "Personal Data Subject"), including at the time You provide or update your personal data to Us from time to time.

This Privacy Notice applies to all DANA Personal Data Subjects, including Users who register ("Account") and use the services, features, and/or products on Our official application or Our website (www.dana.id) (collectively referred to as the "Application"), unless separately regulated in another privacy notice.

This Privacy Notice is prepared so that You understand how We Process your Personal Data, both at present and in the future, as part of Our efforts to respect your privacy rights and fulfill Our compliance commitments to the prevailing personal data protection laws and regulations in the Republic of Indonesia ("Applicable Personal Data Protection Regulations") as well as other laws and regulations issued by the Authorized Parties in the Republic of Indonesia ("Applicable Law"). You are responsible for reading, understanding, and complying with this Privacy Notice together with any other applicable terms and conditions relating to the Processing of your Personal Data.

In relation with the Processing of Personal Data as stated in this Privacy Notice, DANA shall act as the Personal Data Controller, otherwise determined based on related applicable legal basis and/or Applicable Law.

1.1 We carry out all activities relating to the Processing of Personal Data based on your consent and/or other lawful bases for processing personal data recognized under the Applicable Law, whether in electronic or non-electronic form, in accordance with the Applicable Law in the Unitary State of the Republic of Indonesia.

1.2 Where the Processing of Personal Data requires consent, You will be asked to provide such consent in a form including, but not limited to, a written statement, ticking a checkbox, or any other form indicating that You agree to such processing.

1.3 You may withdraw your consent for any Processing of Personal Data carried out by Us by giving Us notice in accordance with this Privacy Notice and/or any other applicable consent to the Processing of Personal Data.

1.4 You may also withdraw your consent to receive certain communications and information from Us through notice directed to the contact details set out under Further Information in this Privacy Notice, or for Application users, through the Help Center or live chat available on the Application.

1.5 Your withdrawal of consent may result in the termination of Our services or your contractual relationship with Us, provided that all rights and obligations that have arisen shall remain fully satisfied. Upon receiving notice to withdraw consent for the Processing of your Personal Data, We will inform You of the possible consequences of such withdrawal so that You may decide whether You still wish to withdraw your consent. Please note that for Application users, if You choose to withdraw your consent, We may still send non-promotional messages, such as receipts or information regarding your Account.

1.6 If You disclose to Us personal data relating to another individual (such as personal data relating to your spouse, family members, friends, or other parties), You represent and warrant that You have obtained consent from such individual for Us to Process that individual's Personal Data. We may, at any time thereafter, request evidence of such consent from You.

2. COLLECTION OF PERSONAL DATA

2.1 Types of Personal Data We Collect

"Personal Data" means data concerning an individual who is identified or identifiable, individually or in combination with other information, whether directly or indirectly, through electronic or non-electronic systems. Personal Data includes name, address, date of birth, occupation, telephone number, religion, marital status, email address, bank account and credit card details, gender, identification (including passport or national identity documents) and/or other government-issued identifiers, vehicle information, photographs, nationality, telephone numbers of Users and non-Users in your mobile phone contact list, health data, financial-related information, and biometric information. In addition, other information, including personal profiles, and/or unique identifiers that are associated or combined with Personal Data, shall also constitute Personal Data.

In general, DANA may collect the following Personal Data when You access, use the services and features, or conduct transactions using the Application:

1. Identity Data, including:

  • Account name (user ID);
  • User's name;
  • gender;
  • place of birth, date, month and year of birth;
  • Identity Card (KTP);
  • latest level of education;
  • position;
  • mother's full maiden name;
  • address in accordance with the KTP; and
  • photograph and/or biometric data.

2. Contact Data, including:

  • address, email; and
  • telephone number and/or contact list.

3. Transaction Data, covering all non-cash transaction history data carried out by the User on and/or through the Application; and

4. Location Data, covering your real-time geographic location information.

We may create, use, analyze, license, and/or disclose aggregated data such as statistical or demographic data for the purposes of arranging and managing services, including but not limited to Application updates, cooperation with third parties, promotional purposes, trend analysis, and the like.

Aggregated data may be derived from your Personal Data as described above, but will not directly reveal your identity. To ensure this, We will: (i) remove all identifiers such that the data, whether alone or together with other available data, cannot be associated with or identify anyone, and (ii) combine such data with similar data so that the original data forms part of a larger dataset.

2.2 How DANA Collects Your Personal Data

The Personal Data We collect may be provided by You directly or by a third party (for example: when You register or use the Application, when You contact Our customer service, or when there is a cooperation agreement with Us), or through other means permitted by the Applicable Personal Data Protection Regulations. We will implement adequate information security systems in accordance with the standards of the Applicable Personal Data Protection Regulations. Without prejudice to the foregoing, every transmission of information by a Personal Data Subject to Us carries inherent risk, and You are likewise responsible for maintaining the security of your Personal Data.

We may collect your Personal Data directly or through your mobile device, in the course of several activities including but not limited to:

  1. when You register or when You use the Application;

2) when You use, access, and interact with any service available within the Application;

  1. when You grant permission on your device to share information with Our Application;

4) when You use the chat feature on the Application;

  1. when You enter into any form of agreement with Us;

6) when You contact Us, such as through telephone calls, face-to-face meetings, social media platforms and email, or chat applications (such as WhatsApp);

  1. when You link your Account with your social media or other external accounts; and/or

1) Information collected each time You use the Application:

When You permit Our Application to collect and access Personal Data, your device may transmit information that may include Personal Data and certain technical information, including:

  1. Location Data, including geographic location or Global Positioning System (GPS) data each time You use and/or access the Application in real-time;

2) Connection Information, including:

  • the internet protocol (IP) address used to connect your device to the internet;
  • browser type and version;
  • operating system; and

  • device platform.

  • Application usage information, including:

  • login information;
  • services You use;
  • searches You conduct within Our Application; and

  • your activity within the Application.

  • Application Feature usage information, including:

  • identifiers generated by the Application (user ID); and

  • live chat available within the Application.

  • Device Information and Other Technical Data, including:

  • device identity;
  • cookies; and
  • other technical information required for the provision of services.

We collect such data for the purpose of enabling Us to provide, manage, develop, and improve services for You in using the Application. Such technical data may also be included in anonymized statistics to enable Us to understand how You use Our Application. We may use such data to track your activities, understand how You use Our website, analyze trends, and for other purposes permitted by the Applicable Personal Data Protection Regulations.

If You do not agree with such Personal Data collection activities, You may choose to withdraw your consent, adjust the settings on your mobile device or internet browser, or disable access by Our Application to your mobile device. However, this may limit Our ability to provide optimal service to You and may affect the functionality available on the Application.

  1. Information collected from third parties

We may receive information about You, including your Personal Data, from third parties (including partners, vendors, and other third parties that provide services to Us or cooperate with Us).

We may also obtain your Personal Data, for example, when You connect your Application Account with other systems or media, subject to the terms and conditions of use of such services. When You connect your Application Account with a third party's system or media, such third party shall also be responsible for your Personal Data and shall be fully subject to the Applicable Personal Data Protection Regulations and the Applicable Law.

  1. Information regarding Children

For individuals under 17 years of age ("Child"), We will not knowingly collect or store any Personal Data or other information from a Child without the consent of the Child's parent or legal guardian. We will close any Account used exclusively by such a Child and will remove and/or delete any Personal Data of the Child submitted without the consent of the Child's parent or legal guardian.

Where You disclose and submit such Child's Personal Data to Us, You consent to the processing of such Child's Personal Data and accept and agree to be bound by DANA's terms and conditions on behalf of such Child.

3. USE OF PERSONAL DATA

We process your Personal Data based on a lawful basis in accordance with the Applicable Personal Data Protection Regulations, namely:

  1. Explicit consent — We may process your Personal Data for specific purposes based on your consent or that of a party authorized to represent You.

2) Contractual obligation — We may process your Personal Data to fulfill Our obligations under an agreement between You and Us or prior to entering into an agreement with You.

  1. Legal obligation — We may process your Personal Data to fulfill Our legal obligations in accordance with the prevailing laws and regulations.

4) Legitimate interest — We may process your Personal Data to fulfill Our legitimate interests without prejudice to the rights of the Personal Data Subject, while maintaining a balance between Our interests and your rights, particularly in efforts to improve the Services.

  1. Public interest — We may process your Personal Data to carry out Our responsibilities in safeguarding the public interest, providing public services, and fulfilling Our authority under the prevailing laws and regulations.

6) Vital interest — We may process Personal Data to protect the vital interests of the Personal Data Subject in accordance with the Applicable Law in the Unitary State of the Republic of Indonesia and other regulations issued by the Authorized Parties in the Unitary State of the Republic of Indonesia ("Applicable Law").

3.2 Purposes of Processing Personal Data

We may carry out the Processing of your Personal Data for the following purposes as well as other purposes in accordance with the Applicable Personal Data Protection Regulations and the Applicable Law, including but not limited to:

Service personalization

  • improving your experience and the services provided to You as well as the personalization You undertake with respect to the Application; and
  • managing your Application Account, including registering, identifying You as a User, and administering, verifying, managing, or deactivating your Account;
  • monitoring and analyzing User activity, behavior, and demographic data, including habits and the use of various services available on the Application;
  • conducting trend analysis, usage and other behavioral analysis (either individually or in aggregate) including through systems, analytical models, algorithms, automated technology, or other processing methods that help Us better understand how Users and Our User base access and use the Application and commercial activities carried out through the Application, including for the purposes of personalization, service improvement, prevention of service misuse, risk management, responding to inquiries, and tailoring services based on your needs and preferences;

Identity verification

  • verifying the eligibility and/or suitability of User data to use the features and functions within the Application, as well as any other verification that DANA considers necessary before providing services to You or before DANA registers You, including the know your customer principle process;
  • identifying and processing your Account registration, as well as maintaining and managing your registration as a User;

Processing payments and transactions

  • providing services to You and customer service related to the use of the Application, including collaborating with DANA to facilitate payments for the purchase of goods and/or services, delivery and other related services for purchases, imposing charge-backs, sending notifications regarding your transactions and bills, and responding to your questions, feedback, complaints, or disputes;
  • providing services to You related to the use of Our Application, namely to make it easier for You to identify other Application users when You view your mobile phone address book through the Application;

Product development and service quality improvement

  • enhancing and developing Our offerings through research and development of new functions of the Application or other new products and services that We may offer from time to time;
  • developing and improving the quality of the application to meet your needs and preferences for services that DANA currently owns or will develop in the future;
  • conducting research, statistical analysis or surveys, and/or analysis based on systems, analytical models, algorithms, automated technology, or other processing methods, whether verbal or written, to manage and protect Our business including information technology infrastructure, to measure the performance of the Application and other services We offer, to improve the quality, security, and reliability of services, and to ensure your satisfaction with Our services;
  • notifying You of any updates to the Application or changes to DANA's services;

Cooperation and transfer of processing to third parties

  • carrying out cooperation with third parties for the purpose of enabling them to:

  • assist Us in providing Our services;

2) operate Our business;

  1. process data on Our behalf;

4) conduct internal audits;

  1. enable the purchase and/or access of third-party goods and/or services offered within the Application;

6) process all forms of your activity on the Application or platforms connected to the Application; or

  1. other purposes provided such purposes are not contrary to the Applicable Law and the Applicable Personal Data Protection Regulations. All Third Parties cooperating with Us are committed to Processing the Personal Data they receive from Us in accordance with the standards and provisions of the Applicable Law and the Applicable Personal Data Protection Regulations.

Direct marketing

  • providing You with direct marketing information regarding the services We offer and Our affiliates and selected third parties, using your Personal Data to contact You, including but not limited to via telephone, short message service (SMS), electronic mail (e-mail), WhatsApp, or in-app push notifications;
  • offering or providing services from partners or affiliates cooperating with DANA to Users;
  • sending information, advertisements, surveys, promotions, coupons, and other information deemed relevant by DANA to You;
  • We may provide your Personal Data to certain third parties for use in marketing their goods and/or services, including (i) Our affiliates; (ii) Our subsidiaries; (iii) some or all companies within the PT EDIK group; and/or (iv) Our business partners or third parties cooperating with Us.

Prevention of unlawful acts

  • managing risk, conducting credit worthiness and solvency checks, or assessing, detecting, investigating, and preventing fraud, money laundering, terrorism financing, and/or activities that potentially violate or that violate the Applicable Personal Data Protection Regulations, the Applicable Law, and DANA's interests, as well as to protect the integrity of Our information technology platform;
  • detecting, investigating, preventing, or remedying breaches of the terms and conditions of service, privacy notices, all of DANA's internal policies applicable from time to time, industry standards, guidelines, the Applicable Personal Data Protection Regulations, and the Applicable Law;
  • making a disclosure to prevent harm or financial loss, to report any suspected activity contrary to the Applicable Law, and/or to address any claim or potential claim brought against Us or Our affiliates;

Compliance with Applicable Law

  • making disclosures required by the Applicable Law and the Applicable Personal Data Protection Regulations, or the regulations of any country applicable to Us or Our affiliates, government officials, or other third parties, including associations of which We are a member, card or other payment networks, and other relevant industry associations. Disclosure may also be made in connection with a subpoena, judgment and/or court order, order of a competent law enforcement authority in the context of investigation, inquiry, or other legal process, or a requirement in any country applicable to Us or Our affiliates (including anti-money laundering and anti-terrorism financing reporting requirements);

Corporate transactions

  • conducting due diligence and other assessments or evaluations of actual or proposed mergers, acquisitions, financing transactions, or joint ventures;
  • facilitating business asset transactions (which may take the form of a merger, acquisition, spin-off/separation, or sale of assets) involving DANA and/or DANA's affiliates;

Customer support and service

  • providing technical assistance or resolving technical constraints and operational issues occurring on the Application;

Protection of other legitimate interests

  • for other legitimate business purposes such as protecting You and other Application users from loss, protecting life, maintaining the security of Our products and systems, and protecting Our other interests, rights, and/or property.

We may also use your information and/or Personal Data in other ways, which We will accompany with a specific notice at the time of the collection and/or processing of such data for your approval.

4. DISCLOSURE OF PERSONAL DATA

4.1 We are committed to maintaining the confidentiality of all Personal Data We store and to preventing any form of misuse of User Personal Data, including in disclosing User Personal Data to any party. However, under certain conditions, We may provide, announce, transmit or transfer, disclose and/or display your Personal Data to third parties (whether within or outside your country of residence) for the purposes set out in Section 3 above, as follows:

  1. Our subsidiaries and companies affiliated with Us;

2) agents, contractors, and third-party service providers cooperating with DANA in providing Our services;

  1. entities with which We have business referral relationships or other commercial agreements, including third parties and entities wholly or partially owned by Us;

4) other organizations, such as associations of which We are a member, card, payment networks or financial institutions, to or through which such payments are made using DANA, or other entities that enable the use of the Application by users;

  1. financial institutions, banks, collection agents, financing institutions, and credit agencies;

6) professional advisors, law enforcement agencies, insurance companies, government and regulatory authorities or other agencies where DANA is obligated to make disclosure in accordance with the Applicable Law or the regulations of an organization in which We are registered;

  1. entities involved in a merger, acquisition, financing transaction, or joint venture with Us.

4.2 In addition to the foregoing, DANA may disclose and share User Personal Data for any purpose or to any other party, including parties overseas, after obtaining the User's consent and in accordance with the Applicable Law and the Applicable Personal Data Protection Regulations.

5. SECURITY MEASURES AND DATA RETENTION

We retain your Personal Data for as long as necessary to provide and optimize the services We offer and for business purposes in accordance with the Applicable Law, including:

  1. to maintain the performance and quality of services on the Application's features;

2) to make business decisions based on the data You provide for the development of Our products and the quality of Our services;

  1. to resolve any unresolved issues relating to your Account, such as chargebacks, refunds, or other disputes, in which case We will retain your Personal Data until such issues are resolved;

4) to fulfill Our legal, tax, audit, and accounting obligations, We will retain the Personal Data necessary for the period required under the applicable law; and/or

  1. for other purposes as mentioned above, for as long as necessary for Our legitimate business interests, such as to prevent fraud or to maintain your security as a DANA User.

We take all reasonable and best-effort steps, including implementing technical, administrative, and physical protections, to ensure the reliability of every employee, partner, consultant, or vendor with access to Personal Data. We will ensure that such access is strictly limited, relevant, and in accordance with the Applicable Law so that the User Personal Data We process is protected from the risk of loss, misuse and unauthorized access, disclosure, alteration, deletion and/or unintended destruction.

For the purpose of protecting such Personal Data, We will verify the Personal Data obtained to ensure its accuracy, completeness, and consistency, unless such Personal Data has already been verified for accuracy and has been displayed or publicly announced through an electronic system for public services. Thereafter, such verified Personal Data will be retained by Us for as long as necessary for the purposes set out in this notice and in accordance with the requirements of the Applicable Law.

DANA will cease to retain Personal Data, or delete and/or destroy your Personal Data, in the event of an official request for the deletion and/or destruction of Personal Data submitted by You to Us, subject to the Applicable Law and the Applicable Personal Data Protection Regulations.

6. APPLICATION OF THE PRECAUTIONARY PRINCIPLE

6.1 Security and Confidentiality of Personal Data

We strongly urge You to exercise the utmost care in maintaining the security and confidentiality of your Personal Data, including by:

  1. not permitting any unauthorized party to access, receive, store, and/or collect your Personal Data, including by maintaining the security and confidentiality of your PIN, password, and/or any account that could provide access to your Personal Data;

2) exercising due care regarding the media You use to store, upload, convey, transmit, and/or share your Personal Data; and

  1. applying the precautionary principle when using services supported by third parties acting as independent personal data controllers, at a minimum by entering into a confidentiality agreement with any party You entrust to receive and store your Personal Data, or requiring such party to maintain and implement a privacy policy/notice that is not contrary to the Applicable Law, and only entrusting the storage of your Personal Data to parties with proven credibility and integrity in protecting Personal Data.

6.2 Use of the Internet Network

You should be aware that the use of the internet network for the transmission, sharing, uploading, or conveyance of your Personal Data is not entirely secure, given that the internet network may be accessed by any party and there are risks associated with the provision and use of internet networks that are beyond Our control and oversight. If a User uses a device that may be used by other people (a public device), the User should choose not to save their log-in information (for example: User ID and password) on such device.

6.3 Use of PIN and Password

You may set a PIN or password on the Application to protect Personal Data from unauthorized access. You are responsible for the security of the device You use and for the confidentiality of your Account details, including your password, PIN code, and One Time Password (OTP), from any party. We, or any third party acting on Our behalf, do not know and will never request your password in any manner whatsoever, such as by telephone, email, or any online/offline communication media of any form.

7. THIRD-PARTY SERVICES AND WEBSITES

The DANA Application may provide links to other websites and services (including applications operated by third parties) for your convenience and information. These services and websites may operate independently from Us and may have their own privacy policies/notices. We recommend that You read such policies before using such third-party services or engaging in any activity on such websites. The provision of links to other websites and services is for informational purposes only. We do not endorse or provide any warranty whatsoever regarding the content and information contained in such links.

The Application and marketing materials may contain links to websites operated by third parties. In such cases, We shall not be responsible in any manner whatsoever for such websites or for the collection, use, maintenance, sharing, storage, and/or disclosure of data and information by such third parties as separate and independent personal data controllers. We recommend that You read and understand the terms and conditions and privacy policy/notice of such third-party websites to understand how they collect, store, and/or use your Personal Data.

8. USER RIGHTS AS A PERSONAL DATA SUBJECT

DANA acknowledges that You are a Personal Data Subject who possesses certain rights under the Applicable Law and the Applicable Personal Data Protection Regulations. You may request that We make corrections and/or updates, deletions, and destruction of your Personal Data that is within Our possession and control, which We may process through the Help Center or live chat available on the Application, or through notice directed to the contact details set out under Further Information in this Privacy Notice.

8.1 User Rights

  1. Access to the History and Copies of Personal Data

You have the right to request access to the history of, and obtain copies of, the Personal Data that You have previously submitted to Us. In such case, We will provide such information in a format determined by Us, having regard to compatibility and prevailing practices. You may submit such an access request through the Help Center or live chat available on the DANA Application, or under Further Information in this Privacy Notice.

  1. Correction or Update of User Personal Data

Users may correct and/or update their own Personal Data that We process through the Help Center or live chat available on the DANA Application, or under Further Information in this Privacy Notice.

  1. Deletion and/or Destruction of User Personal Data

You may submit a request for the deletion and/or destruction of your Personal Data previously submitted to Us that is no longer relevant or as required under the Applicable Law. Such requests may be processed by Us through the Help Center or live chat available on the DANA Application, or through notice directed to the contact details set out under Further Information in this Privacy Notice. Where We accept your request and it has undergone the necessary verification process, We will notify You of the deletion and/or destruction of such Personal Data in accordance with the Applicable Personal Data Protection Regulations and the Applicable Law.

  1. Withdrawal of Consent to the Processing of Personal Data

Users may submit a request to withdraw consent to the processing of their Personal Data previously given to Us, insofar as such processing is based on consent. A request to withdraw consent may be submitted through the Help Center or live chat available on the DANA Application, or through notice directed to the contact details set out under Further Information in this Privacy Notice. We will cease such processing in accordance with the Applicable Law.

  1. Objection to and/or Refusal of the Processing of Personal Data

Users have the right to submit an objection to and/or refusal of any form and/or outcome of the processing of their Personal Data, in certain circumstances as regulated under the Applicable Law. Objections may be submitted through the Help Center or live chat on the Application. Such requests will be reviewed and processed by Us in accordance with the prevailing laws and regulations.

  1. Restriction of the Processing of Personal Data

Users may submit a request to restrict the processing of their Personal Data under certain conditions as set out in the Applicable Personal Data Protection Regulations and the Applicable Law, including where the data is considered inaccurate or where a deletion process is underway. A restriction request may be submitted through the Help Center or live chat on the DANA Application, or through notice directed to the contact details set out under Further Information in this Privacy Notice.

  1. Submission of Complaints Relating to the Processing of Personal Data

Users may submit a complaint or objection relating to any unlawful violation in the processing of their Personal Data carried out by Us and/or parties cooperating with Us. Such complaints or objections may be submitted in accordance with the Applicable Personal Data Protection Regulations and the Applicable Law.

  1. Portability of Personal Data

Users may submit a request for their Personal Data in a structured and commonly used format for transfer to another service provider, in accordance with the Applicable Personal Data Protection Regulations and the Applicable Law. A data portability request may be submitted through the Help Center or live chat on the DANA Application, or under Further Information in this Privacy Notice.

8.2 Refusal to Fulfill User Rights

We reserve the right to refuse your request in respect of your Personal Data that is within Our possession and control if:

  1. such Personal Data is not your Personal Data;

2) the request submitted is deemed by Us to be irrelevant, improper, and/or contrary to the Applicable Law and/or the Applicable Personal Data Protection Regulations.

9. PERSONAL DATA HELD BY AUTHORIZED INSTITUTIONS/AUTHORITIES

Please note that there remains a possibility that some of your Personal Data is held by other parties, including government institutions, in certain manners. In this regard:

  1. We may be required by the prevailing laws and regulations and/or an authorized institution/authority to transmit or share your Personal Data with the authorized institution/authority and/or other parties designated by the authorized institution/authority;

2) in connection with point (a) above, You hereby consent to and acknowledge that the storage of your Personal Data by the authorized institution/authority and/or other parties designated by the authorized institution/authority shall be subject to the data storage policies and standards applied by such authorized institution/authority and/or the parties designated by it;

  1. You hereby acknowledge and agree that We shall not be responsible for the security and confidentiality of your Personal Data held by the authorized institution/authority and/or other parties designated by the authorized institution/authority, and You hereby release Us from any and all claims and/or losses arising in connection with a breach of the security and confidentiality of your Personal Data held by such authorized institution/authority and/or the parties designated by it.

10. LIMITATION OF DANA'S LIABILITY

DANA is committed to operating Our service Application in a reliable and secure manner and is responsible for ensuring the security, confidentiality, and accuracy of Personal Data. However, this provision shall not apply where it can be proven that:

  1. an event of force majeure has occurred;

2) there is an error and/or negligence on the part of the User that causes Personal Data to be unlawfully accessed, unlawfully disclosed, and/or lost or destroyed; and/or

  1. the Processing of Personal Data has been carried out based on valid instructions and grounds.

11. CHANGES TO THIS PRIVACY NOTICE

We may review and amend this Privacy Notice at Our own discretion from time to time, to ensure that this notice remains consistent with Our future developments and/or changes in legal or regulatory requirements. If We decide to amend this Privacy Notice, We will notify You of such changes through a general notice published on the Application, a push notification when You use Our services, and/or Our official website. You agree that You are responsible for regularly reviewing this Privacy Notice to obtain the latest information regarding Our Personal Data Processing practices, and that your continued use of the Application, services, or website, communication with Us, or access to and use of the services following any change to this Privacy Notice shall be deemed as your acceptance of this Privacy Notice and all amendments thereto.

12. OPTING OUT OF NOTICES, MARKETING AND PROMOTIONAL ACTIVITIES

We and/or Our partners may send You direct marketing communications, advertisements, promotions, and/or other marketing materials through in-app push notifications, in-Application messages, mail, telephone calls, short message service (SMS), social media, and/or e-mail if You have agreed to subscribe to Our and/or Our partners' mailing lists. You may choose to opt out of receiving such marketing communications at any time through notice directed to the contact details set out under Further Information in this Privacy Notice, or through the Help Center or live chat available on the Application. Please note that if You choose to opt out, We may still send non-promotional messages, such as information regarding your Account activity.

13. OTHER PROVISIONS

13.1 This Privacy Notice shall be subject to, governed by, and construed in accordance with the Applicable Law and the Applicable Personal Data Protection Regulations.

13.2 This Privacy Notice is made in Bahasa Indonesia and in English. In the event of any inconsistency and/or conflict between the English version and the Bahasa Indonesia version, the Bahasa Indonesia version shall prevail, and the English version shall be deemed to conform to the Bahasa Indonesia version.

13.3 In the event PT EDIK undertakes a merger, spin-off, acquisition, consolidation, or dissolution of its legal entity, We will provide notice of the transfer of Personal Data to Users both before and after such merger, spin-off, acquisition, consolidation, or dissolution of the legal entity.

14. FURTHER INFORMATION

If You have any questions or complaints regarding this Privacy Notice, or if You wish to exercise your rights in respect of your Personal Data, You may contact Us through:

PT ESPAY DEBIT INDONESIA KOE (DANA Indonesia)

Capital Place Office Tower, 18th Floor
Jalan Jend. Gatot Subroto Kav 18, South Jakarta 12710
Jakarta, Indonesia

Live chat feature on the DANA Application : DIANA

Telephone : 1500445

Email : help@dana.id

Email for merchants : merchant.services@dana.id

By agreeing to this Privacy Notice, You acknowledge that You have read and understood this Privacy Notice and agree to all the provisions set forth herein. You have also given your consent to DANA to Process your Personal Data in accordance with this Privacy Notice.

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