TERMS AND CONDITIONS FOR PARTNER

By downloading, installing, and/or using the Application owned by PT Fuse Digital Indonesia (“Fuse”) (the “App“) and/or using the website page (“Web”) and/or using FINA and/or utilizing the products and/or service(s) offered by Fuse and/or its related companies and its insurance brokerage partner, PT Pialang Asuransi Indotekno (“Broker Partner”) (collectively as “Service”), you agree that you have read, understood, accepted and agreed to be bound by these Terms and Conditions for Partners (“Terms and Conditions“) and other policies and guidelines stipulated by Us including but not limited to the Privacy Policy, Terms and Conditions for FINA by Fuse. These Terms and Conditions and the Privacy Policy constitute a legal agreement between partner (“You” or “Your”) and Fuse and/or its related companies and its Broker Partner (“We” or “Us” or “Our”).

Please do not create an account, or You can cancel Your account (if You have signed up for the App and/or Web) and permanently delete the App from Your device if You do not agree or wish to enter into the Terms and Condition and/or the Privacy Policy.

We reserve the right to change the terms and conditions of these Terms and Conditions and/or the Privacy Policy at any time as We deem fit. Such modifications, variations or changes to the Terms and Conditions and/or the Privacy Policy shall be effective immediately upon the posting of an updated version of these Terms and Conditions and/or the Privacy Policy on the Web and/or App. You agree that it shall be Your responsibility to review these Terms and Conditions and/or the Privacy Policy regularly whereupon the continued use of the App and/or the Web and/or utilization of the Service after any such changes, whether or not reviewed by You, shall constitute Your consent and acceptance to such changes.

PLEASE REVIEW THESE TERMS AND CONDITIONS AND THE PRIVACY POLICY CAREFULLY BEFORE DOWNLOADING AND/OR SIGNING UP FOR OUR APP OR USING OUR WEB OR SERVICE. WHEN YOU DECIDED TO DOWNLOAD AND USE OUR APP AND/OR WEB AND/OR SERVICE, YOU AGREE AND MUST COMPLY WITH THESE TERMS AND CONDITIONS AND THE PRIVACY POLICY. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS AND THE PRIVACY POLICY, PLEASE DO NOT ACCESS, USE AND/OR UTILIZE THE APP AND/OR THE WEB AND/OR OUR SERVICE.

1. GENERAL
   1. The App and Web are software that serve as medium to find service and information regarding insurance products that can be used by Our partner to assist Our partner in offering insurance products provided by insurance companies to the customer through online platform, under Our full management and supervision.
   2. We have the rights to add, change, or replace partly or whole part of the system in App and Web without any obligation to inform You before.
   3. Upon signing up to the Web and/or App, You, as the partner, have the rights to use the App and/or the Web and/or the Service carefully, including but not limited to make interaction or transaction with customer or insurance company; and You are obliged to follow and to comply with the Terms and Condition as well as other policy applied by Us and/or any further agreement entered into by You and Us. You understand that You do not constitute as an employee of Us by signing up as partner through the App and/or the Web and are not entitled to represent Us in any capacity, except otherwise expressly stated hereunder.
   4. FOR THE AVOIDANCE OF DOUBT, WE ARE NOT AN INSURANCE COMPANY; AND WE DO NOT PROVIDE INSURANCE SERVICES. We do not employ insurance company and/or partner as Our employee (unless valid and legally listed as Our employee pursuant to a written employment agreement) and by that, We are not responsible for any action and/or negligence from partner, insurance company or other parties using Our App, Web and Service. Our Service is only to assist You, as the partner, in offering insurance products provided by insurance companies to the customer through online platform.


2. TERMS FOR USING THE APP
   1. You represent and warrant that You are an individual legally entitled to enter into a binding agreement under the laws of the Republic of Indonesia (the “Laws”), in particular the Terms and Conditions and the Privacy Policy, to use the App and the Web and utilize the Service, and that You are at least 18 years old and/or have ever been married and not under guardianship, or if the Laws require that You must be older in order to lawfully use the App and the Web and utilize the Service without parental consent (including the use of Your personal data) then is at such older age (“Minimum Age”). Otherwise, We will be entitled by law to cancel any agreement entered into with You. You further represent and warrant that You have the right, authority and capacity to use the App and/or the Web and/or the Service and represent and warrant that You are authorized to enter and to abide by these Terms and Conditions and the Privacy Policy, and agree to sign up to the App and/or the Web and/or the Service that We provide. 
   2. Without limiting the generality of the foregoing, We reserve the rights to restrict, prohibit, suspend and/or limit the access or use of the App, the Web and the Service and the availability thereof to persons under the Minimum Age or such persons that are forbidden for any reason whatsoever to enter into a contractual relationship. 
   3. If You are entering into these Terms and Conditions on behalf of a company, organization or other legal entity, You represent and warrant that You are authorized to do so. 
   4. You represent and warrant that You as partner have the ability, competence, and all the requirements required to carry out Your task and function as a partner as may be required by Us, and hereby state that You will perform Your duties and responsibilities to the best of Your ability, and comply with the applicable Laws and regulations. 
   5. You provide Us with Your consent for Us to collect and use (whether in its entirety, partial and/or modified/processed/altered) Your personal information, including but not limited to Your name, e-mail address, mobile telephone number and/or any other personal information when You sign up. In order to fully utilize the Web and/or App and/or Service, We may also require You to provide additional personal information, including but not limited to Your bank details. You must provide accurate and complete information, keep the information up to date and agree to provide Us whatever proof of identity and/or supporting documents We may reasonably ask for. We reserve the right to restrict, prohibit, suspend and/or limit the access or use of Web and/or App and/or Service should You fail to provide the required information and/or proof of identity and/or supporting documents within the required timeline. If any of the personal information that You have provided to Us changes, for example, if You change Your e-mail address, telephone number, or if You wish to cancel Your account, please update Your details by sending Your request to Us. We will, to the best of Our abilities, effect such changes as requested within fifteen (15) business days upon receipt of the notice of the change. You represent that any information submitted and/or disclosed by You is accurate, true, correct, complete and can be relied on for any purpose by any parties, including but not limited by the insurance company and/or by Us for the purpose of provision of Service. We are not liable to make any independent verification of any data disclosed and/or submitted by You and the accuracy, legality or validity thereof. You agree to protect, hold harmless and indemnify Us from any claims and/or demands whatsoever related to the foregoing. By agreeing to these Terms and Conditions and the Privacy Policy, You have also provided Us with Your consent for Us to disclose Your personal information as mentioned above (whether in its entirety, partial and/or modified/processed/altered), to any parties that cooperated with Us, any party that is engaged/appointed by Us for the provision of the App, the Web and/or the Service, Our vendors, and/or any parties with business relationship or potential business relationship with Us, if necessary.
   6. Where You disclose personal information of third parties to Us, You represent and warrant that (i) You are authorized to provide such personal information to Us and that You have obtained all prior consents necessary under applicable Laws and regulations, contract or otherwise to disclose such personal information to Us and for Us to collect, use, access, preserve, disclose and/or process such personal information (whether in its entirety, partial and/or modified/processed/altered) in accordance with these Terms and Conditions and the Privacy Policy, and for Service and/or for the relevant purpose(s) for which You made the disclosure or as was notified to You at the relevant time, as well as for the disclosure thereof by Us to any parties that cooperated with Us, any party that is engaged/appointed by Us for the provision of Service, Our vendors, and/or any parties with business relationship or potential business relationship with Us, including for the protection of Our interest; (ii) disclosure of such personal information is made lawfully and is not in breach of any duty, obligation and/or liability You may have under applicable Laws and regulations, contract or otherwise; (iii) any information disclosed by You is accurate, true, correct, complete and can be relied on for any purpose by any parties, including but not limited by the insurance company and/or by Us for the purpose of provision of Service. We are not liable to make any independent verification of any data disclosed and/or submitted by You and the accuracy, legality or validity thereof. You agree to protect, hold harmless and indemnify Us from any claims and/or demands whatsoever related to the foregoing.
   7. You can only use the App and/or the Web once You have signed up with the App and/or the Web. Upon successfully signing up, the App and/or the Web will provide You with a personal account that can be accessed with a password You choose.
   8. You are responsible for Your own account and You are solely liable for any misuse of Your account. Only You may use Your own account and You undertake not to authorize others to use Your identity or account. You may not assign or otherwise transfer Your account to any other parties. You must keep Your account password and any identification We provide You, secure and confidential. In the event a disclosure is made to Your passwords, howsoever, which causes any illegitimate or unauthorized uses of Your account or identity, orders generated from the illegitimate or unauthorized uses will still be deemed valid. We will, to the best of Our abilities, upon receiving Your notification regarding such illegitimate or unauthorized uses, restrict, prohibit, suspend and/or limit access to Your account at the soonest or to take any other action as We may deem necessary in order to prevent further illegitimate or unauthorized uses. Notwithstanding, You are responsible for any consequences arising from the use of Your account by You or by others in any manner whatsoever, and You agree to protect, hold harmless and indemnify Us against any claims and/or demands whatsoever related to such use of Your account by others.
   9. You undertake that You will use the App and/or the Web and/or the Service only for its intended purpose to obtain the Service. You may not abuse or use the App and/or the Web and/or the Service for fraudulent purposes or other matters restricted by the Laws and regulations or to cause any inconvenience to others, or attempt to do any of the foregoing. You will cooperate with Us, and provide information requested by Us, to assist Us or Our designees in investigating or determining whether there has been a breach of these Terms of Conditions and/or the Privacy Policy and provide Us, Our designees or appointed independent auditors with access to the premises and equipment where the Service are or have been used and to any associated records. In addition, You hereby authorise Us to cooperate with: (i) law enforcement authorities in investigations (including the investigation of suspected criminal violations) or other regulatory authorities and other governmental agencies in investigations; (ii) third parties in investigating acts in violation of these Terms of Conditions and/or Privacy Policy; and (iii) system administrators of the relevant internet service or mobile data service providers, networks or computing facilities in investigations. Such cooperation may include Us disclosing Your ID, IP address, and other personal information, without giving prior notice to You.
   10. You may not harm, tweak or modify the App and/or Web or attempt to harm, tweak or modify them in any way whatsoever. We are not liable if You do not have a compatible device or if You have downloaded the wrong version of the App and/or the Web and/or the Service to Your device. We reserve the right to prohibit You from further using the App and/or the Web and/or the Service should You use the App and/or the Web and/or the Service with an incompatible or unauthorized device or for purposes other than those for which the App and/or the Web and/or the Service is intended to be used. You undertake that You will only use an access point You are authorized to use.  
   11. If there is a change in Your taxpayer status, You have time to report the change before December 31 of the current year so that Our system can update Your status for the following year. If You do not report the change within the required timeline, You acknowledge that Your registered taxpayer status will remain the same as before the change occurred until You are successful in reporting the change. We will update the data in Our system at the beginning of the following year for any delays and/or changes to taxpayer status made in the middle of the current year. We are not responsible and cannot be held liable in any form for any type of loss that may arise as a result of no report/delay in reporting from You regarding changes to Your taxpayer status.
   12. You will keep confidential and will not disclose the information You obtained from using the App and/or the Web and/or the Service.
   13. You understand and agree that Your use of the App and/or the Web and/or the Service will also be subject to Our Privacy Policy as may be amended from time to time. By using the App and/or the Web and/or the Service, You also give Your consent as required under Our Privacy Policy.
   14. In the event that You do not access Your account within 3 consecutive months, then Your account will be automatically disabled/terminated, all available data and information in Your account will be reset and any and all Earnings will be deemed forfeited/renounced. If You wish to continue using Our Service, You may contact Us at the designated contact provided under Section 14 (Notices) to create a new account, subject to the fulfilment of all required registration process by You. We advise You to log in into Your account and use the App and/or Web occasionally, in order to avoid having Your account disabled/terminated.
3. TERMS OF USE FINA BY FUSE
   1. The Fuse Intelligent Smart Assistant (“FINA”) is an Artificial Intelligence/AI-powered virtual assistant service owned, operated and/or managed by PT Fuse Digital Indonesia and/or any of its group companies and/or partners (hereinafter referred to as “We” or “Us” or “Our”) intended to help you navigate your business with Us.
      FINA is accessible by initiating a communication via WhatsApp platform through the following official number:
      FINA WhatsApp Official Number: 0812 1960 9930
   2. FINA is designed to provide general information and guidance based on the data it has been trained on, which may include but not limited to summaries of your insurance policies. The responses provided by FINA are for informational purposes only and are not a substitute for the official policy documents.
   3. The terms, conditions, and coverage of your purchased insurance products (be it on your behalf or for others) are exclusively governed by the official insurance policy documentation issued by the relevant insurance company and provided to you. In the event of any conflict or discrepancy between FINA response and your official insurance policy documentation, the official insurance policy documentation shall always prevail.
   4.  You are solely responsible for reviewing and understanding your relevant official insurance policy documentation before making any decisions or taking any actions related to your insurance coverage. We strongly advise you to review your official insurance policy documentation and, if necessary, contact our customer service representatives to confirm any information provided by FINA.
   5. For a full understanding of the limitations and your responsibilities when using our AI features under FINA, please refer to the Terms & Conditions for FINA by FUSE.  
   
   
4. WARRANTIES
   1. We warrant that the technology that We use in the development and use of the App and/or Web is Our own and therefore We have the full rights over the App and/or the Web and are not currently in any problem or dispute regarding the technology that We own. 
   2. We warrant that We will not, without Your knowledge, contacting Your customer directly or doing any other actions to attract Your customer to become Our customer directly, hence, Your customer will be Your rights and obligation.


5. YOUR RESPONSIBILITIES
   Without prejudice to any other obligations and responsibilities You may have under another part of these Terms and Conditions and/or the Privacy Policy, You are obliged to:
   1.  Comply with and adhere to:
   1. All the rules, strategy, policy, guidelines, command and procedures from Us that might be changed from time to time; and
   2. Code of conduct for partner, if any, and any other applicable Laws in Indonesia; 
   2. Promoting, marketing, and/or offering the insurance products as available on the Web and/or App to the customer or potential customer with honesty and integrity, provided that any of such action does not violate the Laws or might or will damage/disparage Our business and/or reputation;
   3. To adhere and comply with the prevailing Laws, rules and terms, code of conduct and guidance including and in particular regarding anti-corruption, money laundering and insurance, when conducting business with officials, representatives and member of the government or companies and other entities related to the government;
   4. Perform Your responsibility hereunder in good faith and giving true and accurate information to the customer or potential customer; 
   5.  Obtain relevant consents in respect of the disclosure of data and information from the customer or potential customer and ensure such data and information are true, correct and accurate. You are responsible for false data and information of such customer or potential customer;
   6.  Ensure the data and information from customer or potential customer for the closing request and insurance claim are true, correct and authentic. You are responsible for false data and information of such customer or potential customer;
   7. Bear all the costs and expenses incurred for the performance of Your duties, obligations and responsibilities hereunder; and
   8.  Do and finish the task, responsibilities, duties and functions being assigned to You from time to time.


6. PREMIUM PAYMENT
   Purchase of insurance product through the App and/or Web will only be considered successful upon completion of premium payment. Premium payment may be made by You as partner, or directly by customer, in a manner as prescribed under the App and/or Web. We reserve the right to determine the applicable payment methods from time to time.
   In connection with premium payment, You acknowledge and agree to the following:
   1. You are required to inform Us each premium payment that You have made by submitting proof of the relevant payment no later than 1 (one) working day after such payment is made. Premium payment information along with the proof of payment must be sent to the email address business-support@fuse.co.id and sales@brokerindotekno.co.id. Please note that the bank transfer payment method takes a relatively longer time to process verification manually when compared to payment method through virtual account. 
   2. We, in any circumstances, will NOT be responsible for any losses, directly or indirectly, resulting from any failure or late premium payment by You and/or customer and/or any failure by You to inform and provide Us with relevant payment proof in a timely manner in accordance with the provision of paragraph a above. 
   3. In the event that the premium payment are not conducted through the payment channel and/or in a manner as provided in the App and/or Web or the premium payment are made by You and/or customer directly to the related insurance company through separate channel, We are NOT responsible for any loss, directly or indirectly, that arises in connection with such premium payment, including but not limited to the refusal of claim payment resulting from the premium payment not received by the insurance company. 


7. EARNINGS
   1. You will get a commission from Us if You successfully sell the insurance products to customer in accordance with the terms and conditions determined by Us (“Earnings”). Your Earnings are divided into Basic Earning and Extra Earning, wherein the terms and conditions applicable to Basic Earning and Extra Earning respectively will be further determined by Us. The provisions for granting of Earnings are Our full rights and We have the right to make policies and/or changes at any time.
   2. In the event that You become deceased, Your Earnings that You have legally obtained will be paid to the bank account that You registered with Us, after the withdrawal of Earnings through the App and/or Web by Your representative or member of the family that have accessed to Your account. For avoidance of doubt, We cannot make any disbursement of Earnings to You or any other party for any reason whatsoever unless withdrawal is initiated through the App and/or Web in a manner prescribed thereunder. Furthermore, We, in any circumstances, will NOT be responsible for any losses, directly or indirectly, resulting from such withdrawal of Earnings by Your representative or member of the family that have accessed to Your account.
   3.  In the event that any of your Earnings has a negative balance while others have a positive balance as indicated in the App or Web, You hereby grant Us irrevocable authority and power to perform a net off (debt offset) on Earnings to ensure that no negative balance situation occurs.
   4.  In order to qualify for Earnings, You understand that You are required to complete the partner registration process including any verification process We may require as indicated in the Web and/or App. For the verification process, You may be required to provide additional personal information, including but not limited to Your bank account details, as well as whatever proof of identity and/or supporting documents We may reasonably ask for. You undertake to complete the partner registration process including any verification process at the soonest. You acknowledge and agree that any Earnings generated from transactions shall be automatically forfeited as of the end of the calendar month immediately following the month in which such transactions occurred (the “Forfeiture Date”), unless you have successfully completed the partner registration process including any verification process on or before the Forfeiture Date. You will also be deemed to have forfeited/renounced any remaining Earnings following termination as provided under Section 12 of these Terms and Conditions and/or termination of Your account in accordance with Section 2 letter (n) of these Terms and Conditions.
   5. In any event, We reserve the right to withhold, annul, terminate and/or reject the granting and/or withdrawal of any Earnings in the event of any violation or alleged violation of these Terms and Conditions and/or the Privacy Policy by You. You agree to protect, hold harmless and indemnify Us from any claims and/or demands whatsoever related to the foregoing. 


8. WARRANTY; DISCLAIMER
   1. THE APP, THE WEB AND/OR THE SERVICE(S) ARE PROVIDED “AS IS” AND “AS AVAILABLE”. We do not make any promises or warranties about the App, the Web and/or the Service and in particular do not warrant or provide any other similar assurance that:
      1. Your use of the App, the Web and/or the Service will be uninterrupted, secure, or error-free or continually be made available;
      2. the App, the Web and/or the Service will be free from loss, corruption, attack, viruses or other malicious, destructive or corrupting code, agent, program, macro or data, interference, hacking, or other security intrusion, or will be accurate, transmitted in uncorrupted form, or transmitted within a reasonable period of time; or
      3. the App, the Web and/or the Service will meet Your requirements, including the accuracy, timeliness, adequacy. 
   2. We shall maintain and keep the App and/or the Web and/or the Service to run smooth and well, to the best of Our reasonable ability, to ensure such App, Web and Services able to support You in fulfilling Your purposes as stipulated in these Terms and Conditions. We may, in Our sole discretion and without liability to You, periodically suspend access to or use of the App and/or the Web and/or the Service, or any portion thereof, or otherwise take the App and/or the Web and/or the Services, or any portion thereof, out of operation, in order fix software bugs, install updates and do diagnosis and other maintenance of the App and/or the Web and/or the Services, or any portion thereof.
   3. To the best of Our knowledge, We have established an appropriate and reasonable technical and security measures to keep the App and/or the Web secure and virus free. However, as reasonably known, We are unable to guarantee further, the security of Our database nor can We guarantee that the information You provide will not be intercepted while being transmitted to Us.
   4.  The App and the Web may be subject to limitations, delays, and other problems inherent in the use of the internet and electronic communications including when the device used by You being faulty, not connected, out of range, switched off or not functioning. We are not responsible for any delays, delivery failures, damages or losses resulting from such problems.
   5.  In the event where the App and/or the Web deliver certain features and/or services provided by third party such as payment gateway services, You understand that such features and/or services are not controlled by Us and therefore You agree to protect, hold harmless and indemnify Us from any claims and/or demands whatsoever related to such services.


9. LIMITATION OF LIABILITIES
   1. UNLESS OTHERWISE EXPRESSLY PROHIBITED BY ANY APPLICABLE LAWS AND/OR REGULATIONS AND SUBJECT TO THE SPECIFIC REMEDIES SET OUT IN THESE TERMS AND CONDITIONS, IN NO EVENT SHALL WE BE LIABLE FOR ANY OF THE FOLLOWING TYPES OF DAMAGES, LOSSES OR EXPENSES: CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE, MORAL OR AGGRAVATED DAMAGES; DAMAGES FOR LOSS OF BUSINESS PROFITS OR REVENUES, FAILURE TO REALIZE ANY EXPECTED SAVINGS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, LOSS OF BUSINESS OPPORTUNITY; CORRUPTION OR LOSS OF DATA OR BREACHES OF DATA SECURITY, FAILURES TO TRANSMIT OR RECEIVE ANY DATA, PROBLEMS ASSOCIATED WITH ANY APPLICATIONS USED IN CONJUNCTION WITH THE SERVICES OR RESULTING FROM ANY ALTERATIONS OR ATTEMPTED ALTERATIONS TO THE APP, THE WEB AND/OR THE SERVICES, OR ANY PORTION THEREOF, BY ANYONE; LOSS OF THE USE OF THE APP, THE WEB AND/OR THE SERVICES OR ANY PORTION THEREOF OR ANY SERVICES, PRODUCTS, INFORMATION, DATA, SOFTWARE OR OTHER MATERIAL OBTAINED OR DOWNLOADED FROM THE APP OR THE WEB; DOWNTIME COSTS, COST OF SUBSTITUTE GOODS; COSTS OF COVER, FACILITIES, OR SERVICES; COST OF CAPITAL, OR OTHER SIMILAR PECUNIARY LOSSES, ARISING OUT OF OR RELATED TO THESE TERMS AND CONDITIONS OR THE APP, THE WEB AND/OR THE SERVICES DIRECTLY OR INDIRECTLY, INCLUDING THE USE, INABILITY TO USE, THE PERFORMANCE OR NON-PERFORMANCE OF THE APP, THE WEB AND/OR THE SERVICES, WHETHER OR NOT SUCH DAMAGES, LOSSES OR EXPENSES WERE FORESEEN OR UNFORESEEN, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. In no event shall We be liable to You, or any other party, for any losses suffered or incurred by You in relation to or arising from: Your use, access, download or installation of, or the inability to use, access, download or install, the App, the Web and/or the Service (including any financial charges or other liability incurred in connection therewith).
   2. Subject to Section 8 of these Terms and Conditions, We shall only be liable for the technology system of the App and/or the Web and not for any other things outside the technology system that may have impact on You or Your effort to perform Your obligations. You expressly waive and release Us from any and all liability, clams or damages arising from or in any way related to things outside the technology system. Provided however that Our liability to You with regards to the technology system shall only be applicable to any damages and/or losses directly caused by the technology system subject to Our warranties and disclaimers under Section 8 of these Terms and Conditions.
   3. You shall not raise a claim or complaints in regard to the quality of the Service obtained through the use of the App and/or the Web as it may be impacted by the device being used for the App and/or the Web.
   4. We are not liable for Your actions which violates or in contradictory with the terms and conditions as set out under these Terms and Conditions including the terms that regulated Your business with officials, representatives and member of the government or companies and other entities related to the government as mentioned in Section 5.c of these Terms and Conditions. You shall release and indemnify Us from any liabilities, claims, suits or damage arisen from Your such actions.
   5. In no event shall any officer, director, employee, agent, representative, supplier, or independent contractor of any of Us, have any liability arising from or related to these Terms and Conditions and the Privacy Policy. 


10. INDEMNIFICATION
    By using the App and/or the Web and/or the Services, You agree that You will defend, indemnify and hold Us, Our licensors, related companies, affiliates, and each of Our officers, directors, commissioners, employees, attorneys and partners harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) arising out of or in connection with: (a) Your violation or breach of any of the Terms and Conditions, Privacy Policy or any applicable laws or regulations, whether or not referenced herein (including without limitation to any other policy applied by Us and/or any further agreement entered into by You and Us); or (b) Your violation of any rights of any third party, whether the potential customer or other parties; or (c) Your use or misuse of the App and/or the Web and/or the Service; or (d) any dispute, or potential dispute, between You and customer, potential customer or other parties related whether directly or indirectly to the use of the App, the Web and/or Service and/or the disclosure of any personal information (including third parties’) by You. If You are a company or other legal entity, You agree that You are responsible for, and agree to be bound by, the activities of Your employees, agents and any other persons authorized or purporting to be authorized to access or use the App and/or the Web and/or the Services on Your behalf. This indemnification obligation will survive these Terms and Conditions and Your use of the App and/or Web and/or the Services.


11. LICENSE
    1. Subject to Your compliance with these Terms and Conditions, We grant You a limited, non-exclusive, non-transferable, non-assignable, non-sub-licensable, revocable license to download and install a copy of the App on a single mobile device that You own or control and to run this copy of the App solely for the purposes stipulated in these Terms and Conditions.
    2. You may not (i) copy, modify, adapt, translate, create derivative works from, distribute, license, sell, transfer, publicly display, publicly perform, reproduce, transmit, stream, broadcast, decompile, or disassemble any portion of or otherwise exploit the App, except as expressly permitted under these Terms and Conditions, (ii) license, sublicense, sell, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party the App and/or the software in any way; (iii) create internet “links” to the App or “frame” or “mirror” any software on any other server or wireless or internet-based device; (iv) reverse engineer or access Our software in order to (a) build a competitive product or service, (b) build a product using similar ideas, features, functions or graphics of the App, or (c) copy any ideas, features, functions or graphics of the App, (v) launch an automated program or script, including, but not limited to, web spiders, web crawlers, web robots, web ants, web indexers, bots, viruses or worms, or any program which may make multiple server requests per second, or unduly burdens or hinders the operation and/or performance of the App, (vi) use any robot, spider, site search/retrieval App, or other manual or automatic device or process to retrieve, index, “data mine”, or in any way reproduce or circumvent the navigational structure or presentation of the App or its contents; (vii) post, distribute or reproduce in any way any copyrighted material, trademarks, or other proprietary information without obtaining the prior consent of the owner of the proprietary rights, (viii) remove any copyright, trademark or other proprietary rights notices contained in the App. No licenses or rights are granted to You by implication or otherwise under any intellectual property rights owned or controlled by Us or Our licensors, except for the licenses and rights expressly granted in these Terms and Conditions. The App, the Web, and the Service are protected by the Law. There are severe penalties, both civil and criminal, for intellectual property infringement. You agree that nothing in these Terms and Conditions shall adversely affect any rights and recourse to any remedies, including to injunctive relief or such equivalent remedy, that We may have under any applicable laws and/or regulations relating to the protection of intellectual property or other proprietary rights.
    3. You will (i) not send spam or otherwise duplicative or unsolicited messages in violation of applicable Law; (ii) not send or store infringing, obscene, threatening, libelous, or otherwise unlawful or tortious material, including but not limited to materials harmful to children or violative of third party privacy rights; (iii) not send material containing software viruses, worms, trojan horses or other harmful computer code, files, scripts, agents or programs; (iv) not interfere with or disrupt the integrity or performance of the App or the data contained therein; (v) not attempt to gain unauthorized access to the App or its related systems or networks; (vi) not impersonate any person or entity or otherwise misrepresent Your affiliation with a person or entity; and (vii) refrain from engaging in any conduct that could possibly damage Our reputation or be considered disreputable.
    4. We will have the right to investigate and prosecute any violations of the above to the fullest extent it is permitted by the prevailing Laws. We may involve and cooperate with law enforcement authorities in prosecuting users who violate these Terms and Conditions and/or Privacy Policy. You acknowledge that We have no obligation to monitor Your access to or use of the App and/or Web, but We have the right to do so for the purpose of operating the App and/or Web, to ensure Your compliance with these Terms and Conditions, or to comply with applicable Law or the order or requirement of a court, administrative agency or other governmental body.


12. TERMINATION
    1. You are under no obligation to use the App and may simply choose to stop using it at any time by cancelling Your account and permanently deleting the App from Your device, thus disabling Your use of the Application.
    2. You may terminate Your account by informing Us of Your intention to cancel Your account. We will try to do Our best to complete the termination in 15 (fifteen) business days.
    3. In considerations of Your rights and obligations as stipulated in these Terms and Conditions, We reserve the right to immediately suspend, restrict or terminate these Terms and Conditions (which may involve Us suspending or terminating Your user account, deleting all files, programs, data, messages, content and other information associated with Your user account, ceasing to provide You with access to or allow You to the use of any or all of the App and/or the Web and/or the Service, and terminating all rights (including the licenses, Earnings) granted to You hereunder) promptly and without prior notice if: (i) We have reasonable grounds to suspect that You have breached or violated any provision of these Terms and Conditions, any addendum or additional terms that govern the use of the App and/or the Web and/or the Service, or the prevailing laws and regulations; (ii) if We receive a report from authorities that Your user account has been hacked and/or used in violation of certain laws and regulations; (iii) We receive an order from court or authorities to do so. Except as expressly provided herein, We shall not have any liability to You arising from or related to the suspension or termination of these Terms and Conditions, or any rights or licenses granted herein, in accordance with these Terms and Conditions. You hereby waive the provisions of Article 1266 of the Indonesian Civil Code to the extent that a court order or judgment shall not be required for the termination of these Terms and Conditions in accordance with its terms.


13. MISCELLANEOUS
    1. Our waiver or forbearance or failure to claim a breach of any provision of these Terms and Conditions and/or Privacy Policy or to exercise any right provided by these Terms and Condition, Privacy Policy or the applicable Laws, may not be deemed to constitute a waiver with respect to any subsequent breach of any provision hereof.
    2. These Terms and Conditions are drawn up in both English and Indonesian language, both of which versions will be binding on You and Us. In the event of any inconsistency between the Indonesian language version and the English version, the Indonesian language version will prevail.
    3. You may not transfer or assign Your rights under these Terms and Conditions, without Our prior written approval. We may assign Our rights under these Terms and Conditions to a third party at Our sole and absolute discretion.
    4. If any term under these Terms and Conditions is held to be invalid or unenforceable, in whole or in part, under any enactment or rule of law, the term or part of it will, to that extent, be deemed not to form part of these Terms and Conditions but the legality, validity or enforceability of the remainder of these Terms and Condition will not be affected.
    5. These Terms and Conditions are governed by and to be construed under the Law. Any and all disputes arising between Us and You shall be resolved amicably and only when from such amicable ways unable to find resolutions, such dispute should be brought to the Indonesia National Arbitration Board (BANI) in Jakarta.
    6. Should any dispute or potential dispute, arises between You and customer, potential customer or other parties related whether directly or indirectly to (i) the use of the App, the Web and/or Service and/or the disclosure of any personal information (including third parties’) by You hereunder, and/or (ii) these Terms of Services and/or Privacy Policy, You are not allowed to independently enter into any settlement or resolution over such dispute if such settlement or resolution imposes or may impose any obligation and/or liability to Us. This provision shall survive the termination of these Terms and Conditions.
    7. You acknowledge that these Terms and Conditions and/or the Privacy Policy shall constitute as a valid and binding agreement between You and Us and therefore will not challenge the validity thereof before any authority and/or in any jurisdiction, or attempt to do so.
    8. These Terms and Conditions may be modified, varied and changed from time to time without the need to give notification before to You. We may, but not obliged to, notify You through the App and/or email of the modifications, variations and/or changes to the Terms and Conditions. The continued use of the App and/or the Web by You after such modification, variation and changes constitute Your consent to and acceptance of the modifications, variations, and/or changes. 
    9. Relationship with Partnership Agreement with PT FUSE DIGITAL INDONESIA and PT PIALANG ASURANSI INDOTEKNO:
       As part of partner registration and verification process, You as partner, shall enter into a separate partnership agreement with PT Fuse Digital Indonesia and PT Pialang Asuransi Indotekno as Our Broker Partner (“Partnership Agreement”). Without prejudice to the terms and conditions as provided in the Partnership Agreement, these Terms and Conditions further govern Your use of the App, Web, and/or Services provided by Us, specifically in the context of Your activities and obligations as a PARTNER under that Partnership Agreement. These Terms and Conditions shall be read in conjunction with the terms of the Partnership Agreement and the Privacy Policy to understand the full scope of the agreement governing Your partnership activities involving the Fuse Platform (as defined in the Partnership Agreement). The Partnership Agreement shall form an integral and inseparable part of these Terms and Conditions and the Privacy Policy. 
    10. Any and all Service provided by Us through any and all of Our available channel, including without limitation to the App, the Web and/or FINA are fully supported and facilitated by PT Pialang Asuransi Indotekno as Our Broker Partner, an insurance brokerage company that is officially registered and has obtained a license from the Financial Services Authority (Otoritas Jasa Keuangan) as an insurance brokerage company. 


14. NOTICES
    Except as otherwise provided in these Terms and Conditions, all notices or other communications hereunder shall be deemed to have been duly given when made in writing and delivered in person or by courier or deposited in the mail, postage prepaid, registered mail or its equivalent, return receipt requested, and addressed to You at the address supplied to Us by You, or addressed to below (in the case of Us).
    
    E-mail: cs@fuse.co.id
    c/o PT Fuse Digital Indonesia
    The City Tower, Jl. M.H Thamrin No.81 Level 12 Unit 1-N, Dukuh Atas, Desa/Kelurahan Menteng, Kec. Menteng, Kota Adm. Jakarta Pusat, Provinsi DKI Jakarta
    
    In addition to the foregoing, We may, at Our option, give You any notice under these Terms and Conditions electronically. Electronic notice to You shall be deemed to have been duly given when transmitted through Your account in the App and/or Web and/or to an email address furnished by You to Us or in the manner We may prescribe from time to time.
    
    
    

Date of Last Revision: 03 September 2025