Terms and Conditions

The Terms and Conditions that are adjusted or added, or documents that may be displayed on this Website, can be added and adjusted here as a reference from time to time. We reserve the right, at our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason, and you are responsible for reviewing these Terms of Service periodically to stay informed about updates.

Roojai has optimized our Website to be easy to understand and easy to access to provide the best experience for you. Check the content below for the applicable terms and conditions. Please read the Terms and Conditions and Privacy Policy thoroughly. When you use our app and/or Website and/or services, you agree to and must comply with these Terms and Conditions as well as the Privacy Policy listed on this Website. We recommend that you do not access or use this Website and/or use the application and/or Website and/or our services if you do not agree to these Terms and Conditions, the Privacy Policy, as well as other regulations contained herein.

By visiting Roojai.co.id and our other social media, we consider that you agree to the Terms and Conditions and the Privacy Policy. There may be additional terms and conditions or requirements on our Website, which may appear when you visit the web pages. If you have any questions, recommendations, or comments regarding any terms and conditions or requirements on Our Website, please contact us using the details provided in Point 17 of these Terms and Conditions.

Roojai.co.id is a website belonging to Roojai group companies (“Roojai”) which include PT Roojai Services Indonesia, PT Roojai Insurance Agent, Roojai Co., Ltd., and Roojai Service Co., Ltd. It is managed by us, Roojai. Any content on the Website is made on behalf of all companies in Roojai group. As used below, the terms “Roojai”, “We”, “Us”, and “Our” refer to Roojai.co.id.

We reserve the right to change any information on the Website or suspend the operation of the Website for improvement and maintenance at any time, without prior notice to you according to our consideration. Please check the latest update from time to time.

For your convenience in using our Website, there may be links to websites which are owned and managed by third parties. We do not guarantee the accuracy, completeness, or security of the information on such third-party websites. We recommend that you read and understand the contents of the terms and conditions applicable at the link owned by the Third Party.

We reserve the right to change any information on the Website or suspend the operation of the Website for improvement and maintenance at any time, without prior notice to you according to our consideration. Please check the latest update from time to time.

All information and content on the Website, and downloadable documents including but not limited to trademarks, servicemarks, logos, pictures, trade names, designs and content formats and other components (Information) belong to Roojai, unless stated otherwise. We and/or a third party with our permission are the people who have the right to use these copyrights, trademarks, or servicemarks vested in the Information on our Website.

No-one shall reproduce, copy, adapt, publish, sell, distribute, or exploit the Information, either partially or wholly, for any purpose other than making his/her consideration in purchasing products with us, without prior written consent from us.

For each of your recommendations and/or comments on our Website, we consider that you have given us the absolute right to use this recommendation and/or comment without any expense or your prior consent. Furthermore, we consider that you warrant with us that you will not give a recommendation and/or comment in a way violating our right or a third party's.

Our Website, products and services (“Products”) are provided for the use of and the purchase by Indonesian citizens and those permitted to legally reside in Indonesia. Our Website and Products may not be legally accessed or purchased in some countries. Therefore, by visiting our Website and purchasing our Products, any person with a nationality other than Indonesian shall be liable to the legality as such of his/her nationality or of other countries that such person is subject to by himself/herself. For all transactions, the price and payment shall be in Indonesia Rupiah only.

You warrant that you will not use this Website for other purposes than acting as a customer. You warrant that you will not cause any damage to this Website.

The content on our Website shall not be considered as an offer to sell our Products. Only your request to purchase our Products shall be considered as an offer, which we may accept or decline by taking our Terms and Conditions into account.

All requests in relation to the Products on our Website shall be in accordance with the requirements specified by relevant product owners such as insurers. Please read additional details in your policy.

By giving information or documents to us, it is considered that you agree with our Privacy Policy. You also warrant that such information and documents are accurate, complete, up-to-date, and safe. Should there be any change, you have an obligation to immediately notify us of such change. In case we find out that the information about you or your insured vehicle is in conflict with the information given to us, we reserve our right to cancel your policy and claim for damages (if any), or use our new terms and conditions and new price as per our own consideration, notwithstanding the fact that such finding happens after our acceptance of your offer and/or your payment.

We will not be liable for any loss and/or damage arising from your failure to comply with your obligation in the previous paragraph. This shall include but is not limited to, you not receiving information or documents as a result of your failure to notify the changes to your contact channel or document delivery channel, except for the case where these are attributable to our mistake solely.

1. Quotations
   If you are a new customer, our insurance premium quotation is valid for 30 days from the date the quotation was created. If you are an existing customer who would like to renew your policy, our insurance premium quotation is valid for 120 days from the date the quotation was created. In the case that you are an existing customer who would like to renew your policy and we issue an insurance premium quotation to you, and if you declare a claim thereafter, we will consider that such quotation has expired immediately. You can contact us for a new quotation. In any case, the price you obtained from other comparison websites or our partners’ website is subject to any change due to the discrepancies between the information you fill in on such websites and our database. Please check with our customer service team again before payment.
2. Supporting Documents
   You may receive all documents related to your policy via electronic means. This is subject to your consent given to us. However, there may be some documents that we are not legally allowed to deliver to you via electronic means, in which case we will deliver such documents to you by post.
3. Cancellation of Policy
   In order to cancel a policy, you shall write a statement notifying the intent to cancel the policy on the copy of the owner’s ID which is certified true copy. In addition, the original policy schedule, tax invoice, supporting documents of promotions and discounts for marketing campaigns (if any) must be returned to us. Once we receive all original documents, we will reimburse your paid premium, after the reduction of any expense such as promotion or discount for marketing campaign via the payment channel notified by you or via credit card if it is your payment method. The reimbursement shall be within 30 days of the date we receive the documents.
4. Proof of Income to Confirm Daily Cash Benefit
   You hereby agree that you will provide your proof of income for the purpose of income declaration in the form of pay slip and bank statement for the last 3 months, within 14 days since your payment of the premiums. Failure of such would be valid ground for us and the insurance company to terminate your insurance policy immediately, in accordance with the terms of the policy.

We collaborate with third parties to provide various payment methods on this Website. Accordingly, the terms and conditions of each payment method are subject to the respective payment method providers.

If premium payments are made outside the channels or methods designated in the App/Website, or paid directly to the insurance company through separate channels, all risks and consequences arising from such payments, including the possibility of claim denial due to premiums not being received by the insurance company, shall be your responsibility and/or that of the customer.

Please contact us for a consultation via email or phone if you have any doubts regarding the insurance purchase process we provide on Roojai.co.id.

Roojai.co.id provides you with an affordable premium that you can pay monthly. This method is only available for payment by credit card, bank transfer or virtual account. By choosing this plan, you agree and accept that if you fail to pay for any instalment, you are in breach of our payment terms and conditions. As a result, Roojai.co.id will consider that you have instructed us to cancel your policy. We will ask the insurer to proceed with your policy cancellation. Roojai.com will attempt to inform you through email, SMS, WhatsApp and phone. Without payment from you, your policy will expire 30 days after your missed payment.

1. Roojai MyAccount is a web-based service that you can use to access your policy details, make changes to some items of information, as well as making online transaction such as purchasing and renewing policies, purchasing other Products, and making payments. You can register your membership of MyAccount at www.roojai.co.id.
2. If you decide to make a purchase of certain products and services on Our Website, you are required to comply with the Terms and Conditions and policies enforced on this Website as well as other applicable regulations.
3. We reserve our right to ask for the confirmation of your identity during registration, temporarily suspend your account for checking or maintenance, or deactivate your account without advance notice.
4. All information in your MyAccount is considered as confidential. You must be the only person who is able to access to such information. Therefore, you shall solely be liable for the confidentiality of your account, username and password.
5. You represent and warrant that you have the legal capacity to enter into binding obligations under the Laws of the Republic of Indonesia and meet the applicable Minimum Age (at least 18 years old or any other age required by law). If you do not meet these requirements, we have the right to terminate this Agreement and Services.
6. Without limiting the generality of the foregoing provisions, we reserve the right to restrict, prohibit, suspend, and/or limit access to or use of the Application, Website, and Services, as well as their availability, to persons under the Minimum Age or to individuals who are prohibited for any reason from entering into a contractual relationship.
7. If you act on behalf of an entity (company, organization, or legal body), you warrant that you are authorized to bind such entity to the Terms and Conditions and Privacy Policy.
8. If you act on behalf of an entity (company, organization, or legal body), you warrant that you are authorized to bind such entity to the Terms and Conditions and Privacy Policy.
9. By registering, you consent to us collecting, storing, processing, modifying, and using your personal data—including your name, email address, phone numbers, and other relevant data — as well as disclose them to parties cooperating with us in accordance with the Privacy Policy. For certain services, we may request additional data (such as bank account details, personal identification including national identification numbers, and other data).
10. You are required to provide accurate, complete, and up-to-date information; provide proof of identity or supporting documents if requested; and update your data if there are any changes. We may suspend or terminate access if you fail to fulfill these obligations within the specified period.
11. Your account is personal and non-transferable. You are responsible for maintaining the confidentiality of your credentials and are accountable for all activities conducted through your account. In the event of unauthorized use, notify us immediately; we will endeavor to suspend unauthorized access, but you remain responsible for the consequences of such account usage.
12. You are required to maintain the confidentiality of information obtained through the services. The use of the services is also subject to our Privacy Policy, which may be amended; by using the services, you agree to the terms of that Privacy Policy.
13. If your taxpayer status changes, report the change to us no later than December 31 so that the system can update the status for the following year. If you do not report within this time frame, the registered status will remain in effect until you report the change. For changes reported mid-year, we will update the data at the beginning of the following year. We are not responsible for any losses arising from delays or failures in reporting on your part.
14. You are required to maintain the confidentiality of all information obtained through the use of the Application, Website, or Services and are prohibited from disclosing it to any other party without permission.
15. The use of Applications, Web, or Services is subject to our Privacy Policy which may change from time to time; by continuing to use the services, you agree to the terms of the Privacy Policy.

For the purposes of product development, training, and investigation into violations and criminal acts such as corruption, your telephone conversations with us or your emails sent to us may be recorded. We assume that you have given us your consent to use such recordings.

1. This Website is provided as is and as available. Your use of this Website is entirely at your own risk. To the extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability and fitness for a particular purpose.
2. For any recommendations and/or comments you make on our Website, we assume that you have granted us the absolute right to use such recommendations and/or comments without any charge or your prior consent. Furthermore, we assume that you warrant to us that you will not provide recommendations and/or comments in a manner that infringes upon our rights or those of any third party.
3. Under no circumstances shall we, along with our directors, employees, and representatives (if any), be liable for any losses—whether direct or indirect—including consequential, incidental, special losses, loss of profit, or penalties arising from the use of our Website, even if the possibility of such losses has been communicated. We are not responsible for your actions that violate or contradict the terms and conditions set forth in these Terms and Conditions.
4. You agree to release and indemnify us, our affiliates, and all directors, officers, employees, agents, partners, and successors from any claims, demands, costs, damages, actions, losses, liabilities, penalties, including reasonable attorney fees, arising from or related to any information, content, comments, or opinions you submit, present, or send to Roojai, and your use of our services, your violation of these Terms & Conditions, or your violation of the rights, ownership, or interests of any third party as a result of your use and access to Our Services.
5. By using our services, you understand that our Services are not free from viruses, worms, trojan horses, or any code that may be contaminating or damaging in nature. You are expected and responsible for implementing adequate procedures and precautions (i) when providing information/data in applying for insurance protection and/or using our services, and (ii) maintaining your systems to reconstruct lost data on the digital devices you use. Any transmission of information by You to Us is at your own risk. Regardless of the effectiveness of any technology, you understand that no security system is impenetrable or safe from bugs, viruses, unauthorized or illegal access.

You agree to indemnify damages to us or a third party for any loss or damages either directly or indirectly arising from your violation of the Terms and Conditions, Privacy Policy, other terms and conditions and requirements on other webpages of our Website.

What is meant by Force Majeure in these Terms and Conditions is an event or circumstance that occurs beyond our control or ability to influence, including but not limited to weather disturbances, natural disasters, internet service disruptions, radioactive contamination, rebellion, kidnapping, riots, war, epidemics, pandemics, disease outbreaks, government decisions and/or policies related to the aforementioned matters, occurring in the Republic of Indonesia that directly affect our ability to perform our duties and responsibilities under the Site. You release us from responsibility and will not hold us liable for any delays or failures in providing the Site caused by Force Majeure.

Without limiting any other obligations arising from the Terms and Conditions or Privacy Policy in accordance with the Services and Website you use, you are required to:

1. Comply with all our rules, policies, guidelines, instructions, and procedures, which may change from time to time, as well as the code of ethics (if any) and all applicable laws of the Republic of Indonesia.
2. Adhere to the anti-corruption and anti-money laundering provisions and related regulations when interacting with officials, government representatives, or government-related entities.
3. Act in good faith and provide truthful and accurate information to customers or prospective customers.
4. Obtain the necessary consent for the disclosure of customer data, ensure the accuracy of such data, and be responsible for any errors in data originating from customers or prospective customers.
5. Ensuring the authenticity of data for closure applications and insurance claims; You are responsible for data that is incorrect or not authentic.
6. Bearing all costs incurred in the implementation of your duties, obligations, and responsibilities.
7. Carrying out and completing all duties, obligations, and functions you have based on the Services provided in accordance with the Terms and Conditions and applicable regulations.

The Terms and Conditions of our Website shall be governed by the laws of the Republic of Indonesia. Should there be any dispute, it will be submitted before the jurisdiction of the South Jakarta district court. Should any of the Terms and Conditions be illegal, void, or unenforceable, for any reason, it shall be considered that the aforementioned Terms and Conditions never exist. This shall not affect the validity and enforceability of other Terms and Conditions.

We may, at Our discretion, provide notice to You in accordance with these Terms and Conditions from time to time. We recommend that You read carefully and check this Terms and Conditions page from time to time for any changes. By continuing to access and use the Site, You are deemed to agree to the changes in the Terms and Conditions.

If any of these Terms and Conditions or any part of these terms and conditions become illegal, invalid, or unenforceable under the laws of any jurisdiction where this privacy policy is intended to apply, it shall be deemed severed and removed from these Terms in that jurisdiction, and the remaining Terms shall continue to survive and have full force and effect and remain binding and enforceable in that jurisdiction.

All intellectual property rights in the content on this Website are owned by Us or by legitimate license holders. For third-party materials displayed, We have obtained the necessary licenses. The content of this Website includes but is not limited to text, software, data, graphics, images, audio, video, logos, icons, and code.

No one may reproduce, copy, adapt, publish, sell, distribute, or exploit the Information, in whole or in part, for any purpose other than to make their consideration in purchasing products with us, without our prior written consent.

All information and content on the Website, and downloadable documents including but not limited to trademarks, service marks, logos, images, trade names, content designs and formats, as well as other components (Information), are owned by Roojai, unless otherwise stated. We and/or third parties with our permission are the individuals who have the right to use the copyrights, trademarks, or service marks provided in the Information on our Website.

For your convenience in using our Website, there may be links to websites owned and operated by third parties. We do not guarantee the accuracy, completeness, or security of the information on those third-party websites.

If you place your recommendations and/or comments on our Website, we consider that you have granted us the absolute right to use these recommendations and/or comments without any cost or prior approval from you. Furthermore, we consider that you warrant to us that you will not provide recommendations and/or comments in a manner that infringes on our or third parties' rights.

If you have any questions, comments, or recommendations about these Terms and Conditions, feel free to send your questions or feedback to:

Email: service@roojai.co.id
Telephone: (021) 309-42330
Whatsapp: 0878-6777-8787