Disclaimer Notice.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

Copyright © PT IBS Insurance Broking Service. All Rights Reserved.

COPYRIGHT IN THE PAGES AND IN THE SCREENS DISPLAYING THE PAGES, AND IN THE INFORMATION AND MATERIAL THEREIN AND IN THEIR ARRANGEMENT, IS OWNED BY IBS UNLESS OTHERWISE INDICATED.

Use and Disclosure of Personal Information

IN THE USE OF USERS, WHETHER AS UNREGISTERED USERS OR REGISTERED USERS, IBS WILL COLLECT CERTAIN PERSONAL INFORMATION AS USER IDENTIFICATION. THIS PERSONAL INFORMATION MAY ALSO BE SHARED BY IBS WITH THIRD PARTIES FOR THE PURPOSE OF PROCESSING ACTIVITIES RELATED TO USERS' APPLICATIONS FOR A SPECIFIC PRODUCT OR SERVICE. BY PROVIDING PERSONAL INFORMATION, USERS UNDERSTAND AND AGREE THAT THEY SUBMIT IT VOLUNTARILY AND WITHOUT ANY COERCION OR PRESSURE FROM ANY PARTY, AND IT WILL ONLY BE USED FOR THE PURPOSES MENTIONED ABOVE. IN ADDITION TO THE ABOVE, IBS ALSO USES PERSONAL INFORMATION IN ITS CAPACITY AS A SERVICE PROVIDER TO USERS FOR THE FOLLOWING PURPOSES:

1. PROVIDING USERS ACCESS TO REGISTER FOR MEMBERSHIP AND PARTICIPATE IN THE FORUM.
2. ENABLING USERS TO ACCESS AND OBTAIN INFORMATION ON FINANCIAL AND/OR INSURANCE AND TELECOMMUNICATIONS PRODUCT COMPARISONS FOR FREE.
3. IMPROVING THE QUALITY OF SERVICES AND INFORMATION PROVIDED BY IBS ON THE WEBSITE, USING PERSONAL INFORMATION AS TREND DATA, ANALYSIS, RESEARCH SAMPLES, MARKET RESEARCH, AND DEMOGRAPHIC DATA.
4. ENABLING IBS TO COMMUNICATE INFORMATION ABOUT THE LATEST PRODUCT RELEASES OR UPCOMING SERVICES THAT IBS WILL PROVIDE ON THE WEBSITE.
5. ALLOWING THIRD PARTIES TO CONTACT AND ASSIST USERS WHEN USERS SHOW INTEREST IN A PRODUCT AND EXPRESS THEIR INTEREST BY PROVIDING PERSONAL INFORMATION TO IBS.
6. PROCESSING TRANSACTIONS BETWEEN USERS AND THIRD PARTIES BASED ON THIRD PARTIES REQUIRING PERSONAL INFORMATION FOR VERIFICATION AND DECISION SUPPORT DATA.

Security of Personal Information

IBS WILL STORE USERS PERSONAL INFORMATION CONFIDENTIALLY AND WILL NOT DISCLOSE OR PROVIDE INFORMATION TO, OR ALLOW ACCESS BY, ANY OTHER PARTY EXCEPT THE FOLLOWING:

1. SUBSIDIARIES AND AFFILIATED COMPANIES.
2. THIRD PARTIES, WHERE THEIR PRODUCTS OR SERVICES ARE DISPLAYED ON THE IBS WEBSITE AND PROVIDE WEB QUOTATIONS FOR PRODUCTS AND/OR SERVICES REQUESTED BY USERS. THESE THIRD PARTIES ACT AS DATA CONTROLLERS FOR USER INFORMATION, SO USERS MUST READ THEIR PRIVACY POLICIES OR CONTACT THEM DIRECTLY FOR ADDITIONAL INFORMATION.
3. RELEVANT GOVERNMENT INSTITUTIONS, TO PREVENT FRAUD AND MONEY LAUNDERING, IN CASES WHERE FALSE OR INACCURATE DATA AND/OR SUSPECTED FRAUD CASES ARE REGULATED IN ACCORDANCE WITH STATUTORY PROVISIONS. IN CERTAIN EXCEPTIONAL CIRCUMSTANCES, IBS MAY BE REQUIRED TO DISCLOSE PERSONAL INFORMATION. IBS IS COMMITTED TO COMPLYING WITH THE LAW OR COURT ORDERS, OR IN RESPONSE TO LEGITIMATE REQUESTS BY THE GOVERNMENT OR LAW ENFORCEMENT, OR WHEN IBS BELIEVES IN GOOD FAITH THAT DISCLOSURE IS NECESSARY, INCLUDING BUT NOT LIMITED TO PROTECTING IBS'S RIGHTS OR PROPERTY, OR IDENTIFYING, CONTACTING, AND TAKING LEGAL ACTION AGAINST ANY PARTY THAT MAY CAUSE DAMAGE OR INTERFERENCE WITH IBS'S RIGHTS OR PROPERTY WHETHER INTENTIONALLY OR NOT, OR WHEN OTHERS MAY BE HARMED BY SUCH ACTIVITIES. USERS' PERSONAL DATA WILL BE RETAINED BY IBS FOR AT LEAST 5 YEARS AFTER THE USER CEASES TO BE A USER OF THE IBS WEBSITE OR IN ACCORDANCE WITH THE REQUIREMENTS BY APPLICABLE LAWS AND REGULATIONS, WHICH IBS STORES AT THE IBS DATA CENTER AND DISASTER RECOVERY CENTER LOCATED IN INDONESIA. IF USERS WANT THEIR PERSONAL DATA TO BE DELETED BEFORE THAT, THEY CAN SEND A REQUEST TO THE SUPPORT TEAM AT INFO@IBS.CO.ID. IBS ALSO STRIVES TO PROVIDE THE BEST SERVICES TO USERS. TO DO THIS, IBS RECEIVES COOKIE DATA. WHEN USERS VISIT THE WEBSITE, IBS'S SERVERS WILL REMEMBER INFORMATION SENT BY THE BROWSER, INCLUDING IP ADDRESS, BROWSER TYPE, WEBSITE ON PAGE VISITED BEFORE COMING TO THE IBS WEBSITE, USER PREFERENCES, AND THE TIME SPENT ACCESSING AND USING THE IBS WEBSITE.

Collection of Personal Information

IBS COLLECTS PERSONAL INFORMATION ABOUT USERS AS CUSTOMERS WHEN ACCESSING OR USING THE WEBSITE IN ACCORDANCE WITH THE PROVISIONS OF POJK NO 1/POJK.07/2013 REGARDING CONSUMER PROTECTION IN THE FINANCIAL SERVICES SECTOR. IBS ALSO COLLECTS NON-PERSONALLY IDENTIFIABLE INFORMATION THAT MAY BE RELATED TO USERS AS CUSTOMERS, INCLUDING MEMBERSHIP NAMES, IP ADDRESSES, AND LOGIN INFORMATION, ACCESS TO THE CAMERA USED TO IDENTIFY USERS, ACCESS TO GPS TO PROVIDE USER LOCATION INFORMATION, AS WELL AS OTHER INFORMATION SUCH AS ACHIEVEMENT PREFERENCES AND DEMOGRAPHICS. USERS' PERSONAL INFORMATION IS ONLY USED FOR RELEVANT PURPOSES THAT HAVE BEEN APPROVED BY THE USERS.

Trademarks

IBS, IBS GROUP AND THE THREE-GLOBE LOGO ARE TRADEMARKS AND SERVICE MARKS OF IBS AND ARE USED AND REGISTERED IN INDONESIA. THE IBS GROUP AND THEIR SUBSIDIARIES ALSO CLAIM RIGHTS IN CERTAIN OTHER TRADEMARKS AND SERVICE MARKS CONTAINED IN THESE WEB PAGES.

Use of Information and Materials

THE INFORMATION AND MATERIALS CONTAINED IN THESE PAGES, AND THE TERMS, CONDITIONS, AND DESCRIPTIONS THAT APPEAR, ARE SUBJECT TO CHANGE. UNAUTHORIZED USE OF IBS GROUP'S WEB SITES AND SYSTEMS INCLUDING BUT NOT LIMITED TO UNAUTHORIZED ENTRY INTO IBS GROUP'S SYSTEMS, MISUSE OF PASSWORDS, OR MISUSE OF ANY INFORMATION POSTED ON A SITE IS STRICTLY PROHIBITED. YOUR ELIGIBILITY FOR PARTICULAR PRODUCTS AND SERVICES IS SUBJECT TO FINAL DETERMINATION BY IBS AND/OR ITS AFFILIATES.

Links

THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES (NON-AFFILIATES OF IBS GROUP). IBS HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, IBS DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR IS IBS LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF IBS AND THE THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE IBS GROUP SITE.

No Warranty

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED AS IS, AS AVAILABLE. IBS DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

Limitation of Liability

IN NO EVENT WILL IBS BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF IBS, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Submissions

ALL INFORMATION SUBMITTED TO IBS VIA THIS SITE SHALL BE DEEMED AND REMAIN THE PROPERTY OF IBS AND THE IBS GROUP SHALL BE FREE TO USE, FOR ANY PURPOSE, ANY IDEA, CONCEPTS, KNOW-HOW OR TECHNIQUES CONTAINED IN INFORMATION A VISITOR TO THIS SITE PROVIDES IBS THROUGH THIS SITE. IBS SHALL NOT BE SUBJECT TO ANY OBLIGATIONS OF CONFIDENTIALITY REGARDING SUBMITTED INFORMATION EXCEPT AS AGREED BY THE IBS ENTITY HAVING THE DIRECT CUSTOMER RELATIONSHIP OR AS OTHERWISE SPECIFICALLY AGREED OR REQUIRED BY LAW.

Availability

THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION.

Additional Terms

CERTAIN SECTIONS OR PAGES ON THIS SITE MAY CONTAIN SEPARATE TERMS AND CONDITIONS, WHICH ARE IN ADDITION TO THESE TERMS AND CONDITIONS. IN THE EVENT OF A CONFLICT, THE ADDITIONAL TERMS AND CONDITIONS WILL GOVERN FOR THOSE SECTIONS OR PAGES.

Governing Law

USE OF THIS SITE SHALL BE GOVERNED BY ALL APPLICABLE LAWS AND REGULATIONS OF THE REPUBLIC OF INDONESIA.

Cookies

COOKIES CAN BE USED FOR THE FOLLOWING PURPOSES:

1. PROVIDING USERS WITH A MORE PERSONALIZED EXPERIENCE ON THE IBS WEBSITE. THIS ALLOWS IBS TO REMEMBER USERS WHEN THEY VISIT THE WEBSITE AND ENABLES USERS TO ACCESS THEIR PREVIOUSLY SAVED QUOTES.
2. ANALYZING USER HABITS OR USAGE TRENDS ON THE IBS WEBSITE. BY BETTER UNDERSTANDING WHAT PRODUCTS ARE NEEDED BY USERS, IBS AIMS TO IMPROVE ITS ABILITY TO OFFER SOLUTIONS AND SERVICES DISPLAYED ON THE WEBSITE.
3. OBTAINING INFORMATION ABOUT THE NUMBER OF VISITORS TO THE IBS WEBSITE AND WHICH PAGES ARE MOST FREQUENTLY ACCESSED OR VISITED BY USERS.
4. IBS MAY ALLOW OTHER COMPANIES TO USE COOKIES ON THE IBS WEBSITE. THIS INFORMATION CAN BE USED, AMONG OTHER THINGS, TO DETERMINE THE POPULARITY OF SPECIFIC CONTENT, DEVELOP THE IBS WEBSITE AND ITS CONTENT, PREVENT FRAUD OR OTHER UNAUTHORIZED OR ILLEGAL ACTIVITIES, AND MEASURE AND OPTIMIZE ADVERTISING PERFORMANCE, PRESENTING MORE RELEVANT ADS ON BEHALF OF IBS OR OTHER COMPANIES, INCLUDING ON THIRD-PARTY APPLICATIONS AND WEBSITES.

COOKIES ARE GENERALLY DELETED WHEN USERS CLOSE THEIR BROWSERS; THESE ARE REFERRED TO AS SESSION COOKIES. HOWEVER, COOKIES MAY REMAIN ON USERS' BROWSING DEVICES UNTIL THEY ARE DELETED OR BROWSING ACTIVITY ENDS. BY USING THIS SERVICE, USERS AGREE TO IBS'S USE OF COOKIE DATA. THIS DATA DOES NOT REVEAL ANY PERSONAL INFORMATION, AND THEREFORE, IBS DOES NOT COLLECT, PROCESS, OR USE USERS' PERSONAL INFORMATION.

USERS CAN MODIFY THEIR COMPUTER BROWSER SETTINGS TO BLOCK OR DELETE COOKIES. IF USERS CHOOSE TO BLOCK OR DELETE COOKIES, THEY MAY NOT BE ABLE TO ACCESS IBS SERVICES, AND THIS MAY AFFECT THE PERFORMANCE OF THE IBS WEBSITE ON USERS' SYSTEMS.

Contact Us

IF THE USER HAS ANY QUESTION, COMMENT, COMPLAINT, OR CLAIM REGARDING THIS PRIVACY POLICY OR THE USER WISHES TO OBTAIN ACCESS AND/OR MAKE CORRECTIONS TO THE USER'S PERSONAL DATA, PLEASE CONTACT IBS CUSTOMER SERVICE THROUGH: HTTPS://IBS.CO.ID/CONTACT-US-PAGE

Privacy Policy Update

IBS MAY AT ANY TIME AMEND OR UPDATE THIS PRIVACY POLICY. IBS ENCOURAGES THE USER TO CAREFULLY READ AND CHECK THIS PRIVACY POLICY PAGE FROM TIME TO TIME TO BE AWARE OF ANY AMENDMENT. BY REMAIN ACCESSING AND USING THE SERVICES OF THE SITE OR OTHER IBS'S SERVICES, THE USER IS DEEMED TO AGREE TO THE AMENDMENTS IN THIS PRIVACY POLICY.