Privacy Policy

What personal information we collect from you (“discloser”) depends on your relationship with us at the time of collection, i.e. insured, claimant, or prospect, as well as your request – the information of which may include the following:

1. Personal Details
   This may include name, date of birth, age, gender, marital status, and occupation.
2. Contact Information
   This may include address, phone number, telephone/mobile number, email address, and social media.
3. Financial Information
   This may include your bank account number, credit history, income and other financial details.
4. Health Information
   This may include, height, weight, medical record, other insurance policies held, hospitalization in the past, smoking habits, pre-existing conditions, family medical history, and other information you have given to us related to your or your family medical history.
5. Vehicle Information
   This may include vehicle brand, vehicle type, vehicle production’s year, vehicle's accessories, engine number, chassis number, vehicle identification number (surat tanda nomor kendaraan or STNK) or its equivalent, certificate of vehicle ownership (buku pemilik kendaraan bermotor or BPKB) or its equivalent, driver's driving license (surat izin mengemudi or SIM) or its equivalent, and other details.

Your personal information will be collected and stored, directly or indirectly, when:

1. You enter our Website;
2. You disclose to us;
3. Any persons related to you or appointed by you (including but not limited to your spouse or family member, a person whose name is under the same policy as yours, and any other persons under the purpose of validation of application, claim, and compensation) discloses to us, and
4. Relevant third parties (including but not limited to our insurer, other insurers and financial institutions, regulatory bodies e.g. Financial Services Authority of the Republic of Indonesia (Otoritas Jasa Keuangan or OJK), Directorate General of Tax of the Ministry of Finance of the Republic of Indonesia (DGT), Directorate General of Population and Civil Registration of the Ministry of Home Affairs of the Republic of Indonesia (DGPCR) , Indonesian Financial Transaction Reports and Analysis Center (Pusat Pelaporan dan Analisis Transaksi Keuangan or PPATK), Indonesian National Police (Kepolisian Negara Republik Indonesia or POLRI), and other reliable sources e.g. Indonesian General Insurance Association (Asosiasi Asuransi Umum Indonesia or AAUI) or Indonesian Life Insurance Association (Asosiasi Asuransi Jiwa Indonesia or AAJI)). In the case of (c), when the information concerning about other persons (“data subject”) than the discloser is given to us, it is the sole responsibility of the discloser to ask for a consent from and notify the data subject of the disclosure of his/her personal information and the terms and conditions of this Privacy Policy.
5. You perform vehicle inspection with us.

Your personal information may be collected and used for the following purposes:

1. To provide you with our services and products which shall include performing our relevant contractual or regulatory obligations
2. To enhance our existing services and products and develop new services and products
3. To communicate with you about our existing or up-coming services or products, including but not limited to, terms and conditions, promotion, activities, and advertisement
4. For Website administration and business operation and
5. To be a reference that we could rely on, for the purpose of fulfilling obligations that we are subject to, by collecting your personal data as per the requirements under the law such as the applicable insurance laws, personal data protection laws and other related laws.

We will retain your personal information as long as it is necessary for the purposes of collection and use, unless required or permitted by applicable law. For most of the cases, your personal information will be retained for five years after the date of termination or cancellation of your policy, whereas for financial information related to you, such as the amount of payment of premiums, claims and other ancillary payments, as per the applicable laws and regulations on Corporate Documents, will be retained for at least ten years after the date of termination or cancellation of your policy.

In order to perform our contractual obligations towards you or our regulatory obligations towards regulators and authorities, your personal information may be disclosed, and/or disseminated to third parties for the relevant mentioned purposes only. These third parties may include insurers, reinsurers, our business partners, financial institutions, regulators e.g. OJK, authorities e.g. DGT, PPATK, POLRI, or other relevant government institutions, other service providers e.g. data storage service providers, call centre service providers, First Notice of Loss service providers, payment system provider or payment gateway provider, and repair shops, hospitals, health clinics, other health service providers, repair garage, claim system provider, and salvage buyer. Moreover, in order to improve your experience in using our Website and traffic optimization during access by users, we will also track your behaviour using analytical tools. These analytical tools will be provided by third-party provider that we have engaged, and we hereby reserve the right to add, stop or change existing provider to other third party analytical tools provider. The information that we have gathered for this purpose will be anonym and shall not be identifiable to you. For our business operation, where our legitimate interest is not less important that the data subject’s fundamental rights, your personal information may be disclosed and/or disseminated to our group companies and third parties such as external auditors, advisors, survey/data analytics service providers, and investors.

In any case, your personal information will not be disclosed and/or disseminated to any other persons other than the cases of the above two paragraphs, without your consent, except for the following cases:

1. Providing that it is required by any applicable law;
2. Provided that it is necessary for preventing emergencies or protecting others from danger;
3. For the public interest.

In case where we disclose and/or disseminate your personal information to any third parties, we shall notify the said third parties of its confidential nature and their obligations to restrict the use of such information to any person involved for the permitted purposes as necessary only, and to handle the information appropriately in accordance with this Privacy Policy and the applicable laws and regulations in Indonesia concerning personal data protection.

In order to provide you with our services, especially for documentation, your personal information will be stored in Indonesia, whereas other non-personal information will be stored outside Indonesia with the encryption and tokenization method mentioned above. None of your personal information with direct reference to you will be stored abroad. In any case, we will take any necessary steps to ensure that your personal information is stored and secured appropriately.