Privacy Policy

This Privacy Policy explains how we, Beyondtech or PT Adisena Mitra Usaha (hereinafter referred to as “We” or “Our” or “Us”), collect, store, use, process, control, transfer, disclose, and protect information and data related to users of Our services, including Personal Data, to the extent necessary.

As stipulated in the Beyondtech Service Agreement, Beyondtech’s services are provided to legal entities and business entities, whether incorporated under a specific deed or not (“Business Entities”). Accordingly, any information and data other than Personal Data covered by this Privacy Policy refer to information and data from Business Entities registered in Beyondtech’s electronic system, while Personal Data (as defined below) refers to Personal Data owned by employees or business representatives of such Business Entities.

This Privacy Policy is established in accordance with applicable laws and regulations, including but not limited to:

• Law No. 27 of 2022 on Personal Data Protection,
• Law No. 11 of 2008 on Electronic Information and Transactions, including its amendments, and
• Relevant Government Regulations and Implementing Regulations.

By accessing and/or using Beyondtech’s services, the Business Entities and their employees or business representatives (hereinafter referred to as “You”) declare that all information, data, documents, and Personal Data You provide are true, complete, and valid. You also give consent to Beyondtech to obtain, collect, store, transfer, manage, and use such Personal Data as stipulated in this Privacy Policy, Service Agreement, and Beyondtech’s Terms and Conditions (“Consent”).

Your Consent remains in effect until You revoke it in writing or, subject to Article 13, upon termination of Your contractual relationship with Us.

If You have any questions regarding how We protect or use Your information and data, please contact Us via email and/or WhatsApp as provided in this Privacy Policy.

For the purposes of this Privacy Policy, “Personal Data” means information that identifies or can be used to identify, contact, or locate an individual or device associated with such information. Personal Data includes, but is not limited to:

• Name, address, date of birth, occupation, phone number, email address;
• Bank account details, credit card details, financial information;
• Identification documents (such as ID card, passport, or other government-issued identifiers);
• Photographs, nationality, vehicle information, and biometric data (including but not limited to facial recognition);
• Your phone number and other contacts stored on Your mobile device.

This Personal Data applies to individuals who are employees or business representatives of the Business Entities using Beyondtech’s services.

We are committed to protecting the security of Your Personal Data by:

• Storing Your Personal Data on secure servers;
• Encrypting transaction payments using Transport Layer Security (TLS) technology.

However, You acknowledge that no security system is completely invulnerable to unauthorized access by third parties. Therefore:

• You are responsible for maintaining the security of Your password;
• Beyondtech shall not be liable for unauthorized access resulting from Your own negligence.

Beyondtech collects information, data, and documents (including Personal Data) for the following purposes:

• Processing user transactions within Beyondtech’s system;
• Managing and improving service delivery;
• Ensuring compliance with applicable laws, including regulations on anti-money laundering and counter-terrorism financing.

We collect information through:

• Information You provide directly, such as names, addresses, financial data, and corporate documents.
• Technical and transaction data, including IP addresses, browser details, and transaction history.
• Data from third-party sources, such as financial service providers and regulatory authorities.
• Information from social media, if You sign in to Our services using Your social media account (e.g., Google).

We use Your data for:

• Providing Beyondtech’s services to You;
• Complying with legal and regulatory requirements;
• Securing transactions and preventing fraud;
• Analyzing service usage to enhance user experience.

We will not use Your Personal Data for other purposes without Your explicit consent.

• a. To identify and register You as a user and to administer, verify, deactivate, or manage Your business account;
• b. To facilitate or enable any necessary verification before We register You as a user or before We or Our payment service partners provide services to You, including conducting Know Your Business (KYB) and/or Know Your Customer (KYC) processes;
• c. To process and facilitate orders and payment transactions made by You, including, where applicable, transactions conducted via payment cards or accounts available on Our application and/or platform;
• d. To enable You to provide services to Your users, in cases where You offer services to third parties connected to Our platform;
• e. To review and resolve user issues;
• f. To contact You via email, mail, telephone, or other means, including but not limited to assisting with and/or resolving transaction processes and issues;
• g. To monitor or investigate suspicious transactions or those suspected of containing elements of fraud or violations of the Service Agreement and/or Terms and Conditions, as well as applicable laws, and to take necessary actions as a follow-up to such monitoring or investigation results;
• h. To process and respond to inquiries and feedback received from You;
• i. To maintain, develop, test, improve, and personalize the application and/or platform to meet Your needs and preferences;
• j. To monitor and analyze user activity, behavior, and demographics, including habits and usage of various services available on the application and/or platform;
• k. To offer or provide services from Our affiliates or payment service partners (as applicable); and
• l. To send direct or targeted marketing communications, advertisements, vouchers, surveys, and information about special offers or promotions to You.

• a. Affiliates, payment service partners, business partners, suppliers, vendors, and subcontractors for the fulfillment and/or execution of contracts made with them or with You, including for the provision of services, KYB and KYC verification, and transaction monitoring;
• b. Financial institutions, banks, debt collection agencies, and credit agencies for the following purposes:

• i. Compliance with credit card association rules regarding terminated users;
• ii. Compliance with anti-money laundering and counter-terrorism financing regulations;
• iii. If We believe that disclosure of Your information is necessary to prevent fraud or to assess and manage operational or financial risks;

• c. Law enforcement agencies, regulators, government officials, or other third parties in accordance with subpoenas, court orders, investigative or official document disclosure requests, regulatory notices, or any other legal processes or requirements applicable to Us or any of Our payment service partners or affiliates. We may also disclose Personal Data if We, at Our sole discretion, believe such disclosure is necessary to prevent financial losses, report suspected illegal activity, or investigate violations of Our Service Agreement and Terms and Conditions;
• d. Advertisers and advertising networks solely to select and provide relevant advertisements to You and others;
• e. Analytics providers and search engine operators who assist Us in improving and optimizing Our platform;
• f. Our group entities or subsidiaries; and
• g. Entities involved in mergers, acquisitions, financing transactions, or joint ventures with Us.

• a. In the event of a sale or acquisition of any business or assets, where We may disclose Your Personal Data to the prospective buyer or seller of such business or assets;
• b. If required to disclose or share Your information, documents, or Personal Data to comply with any legal obligation, investigation, or enforcement of an agreement, or to protect the rights, property, or safety of Beyondtech, Our customers, or others. This includes exchanging information with other companies and organizations for fraud prevention and credit risk reduction;
• c. To assist Us in conducting or cooperating in investigations of fraud or other illegal activities where We believe such action is warranted and appropriate;
• d. To prevent and detect fraud and criminal activities;
• e. In response to legal processes, including subpoenas, court orders, and government demands;
• f. To assess financial and insurance risks;
• g. For debt recovery or matters related to bankruptcy; and
• h. To develop customer relationships, services, and systems.

• Restricting access,
• Creating strong passwords,
• Regularly updating passwords, and
• Securing One-Time Passwords (OTP).

The information, documents, and Personal Data collected from You will be managed, transferred, and stored in the jurisdiction where We obtain such information, documents, and Personal Data, as regulated by applicable law. By submitting Your information, documents, and Personal Data, You consent to such transfer, storage, and processing.

We will take all necessary measures to ensure that Your data is securely managed in accordance with this Privacy Policy. We may also retain Your information, documents, and Personal Data for as long as We deem necessary to comply with the Purposes, the requirements of this Privacy Policy, or any applicable legal obligations.

In certain circumstances, courts, law enforcement agencies, regulatory authorities, or security agencies in other jurisdictions may be entitled to access Your information, documents, and Personal Data.

In doing so, We will take all reasonable measures to ensure that Your privacy and security remain protected.

Upon receipt of Your request, We will inform You of the consequences of such revocation, and We will cease collecting, using, and disclosing Your Personal Data in accordance with this Privacy Policy.

Notwithstanding the above, You agree that We may continue to use and disclose Your information, documents, and Personal Data for the Purposes, for a reasonable period after the termination of Your contractual relationship with Us.

• a. A report indicating that Your account has been stolen or compromised;
• b. A blocking order issued by a government or monetary institution, or pursuant to a court order;
• c. Use of Your business account and/or Beyondtech services in a manner that violates this Privacy Policy, Beyondtech’s Service Agreement, Beyondtech’s Terms and Conditions, or applicable laws and regulations;
• d. Other activities that may harm You or Us, including fraudulent or abusive behavior or transactions flagged as suspicious by Our system.
• e. If Your business account is blocked and You can provide valid proof that no suspicious activity has occurred, You may file an appeal as outlined in Beyondtech’s Service Agreement and Terms and Conditions. After reviewing Your appeal, We will decide whether to maintain or lift the account block. The block will not be unreasonably prolonged if We determine that the issue causing the block has been resolved.

• a. Upon Your request, provided no transactions have been made. If transactions have been made, Your account will be marked as “unverified” but cannot be closed, as regulations require account data retention for five (5) years;
• b. At Our discretion, based on applicable laws and regulations;
• c. If force majeure conditions persist for three (3) months or longer; and/or
• d. Other reasons related to account blocking.
• e. Any remaining funds in Your account will be returned via a mutually agreed method, after deducting any outstanding fees (if applicable), except where We determine that fund retention is necessary due to suspected fraudulent activities or legal violations.
• f. Your business account will be automatically terminated or closed when You close Your account.

By agreeing to this Privacy Policy, You acknowledge that You have read, understood, and accepted all of its terms. Specifically, You agree and provide consent for Us to collect, use, share, disclose, store, transfer, or process Your information, documents, and Personal Data in accordance with this Privacy Policy.

If any provision or part of this Privacy Policy is deemed unlawful, unenforceable, or invalid, such provision or part shall be deemed removed from this Privacy Policy, and We will adjust the relevant provision to ensure compliance while maintaining the effectiveness of the remaining terms of this Privacy Policy in full force and effect.