PRIVACY POLICY

 

We, PT FUSE DIGITAL INDONESIA (“Fuse”) and our related companies and its insurance brokerage partners (“We” or “Us” or “Our”), highly value and respect your personal information and privacy. This privacy policy (“Privacy Policy”) outlines which information We collect when you (“You” or “Your”) access and use the website (the “Web”), mobile application (the “App”), products and services provided by Us (which, together with Web and App, are referred to as the “Services”), and how We protect and use it, including any third party’s Personal Information submitted by You. The Privacy Policy also wishes to make sure that You are aware of the options available to You when You access and use Our Services.

 

You are required to read, comprehend and understand the Privacy Policy before using Our Services. Feel free to email Us to help@fuse.co.id if You have any questions.

 

By accessing or using Our Services, You agree to this Privacy Policy and to Our Terms and Conditions. If You do not agree to this Privacy Policy or Terms and Conditions, 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, and please do not access or otherwise use Our Services or any information contained herein.

 

By submitting or otherwise making available Personal Information (as defined below) relating to other individuals or parties, You represent that You are authorized to provide such information to Us and that You have obtained their explicit prior consent to Our Use in accordance with this Privacy Policy and all any and all prior consents as may be 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 this Privacy Policy.

 

1. PROTECTION OF CHILDREN’S PRIVACY

 

IF YOU ARE UNDER 18 YEARS OF AGE OR HAVE NEVER BEEN MARRIED, THEN PLEASE DO NOT USE OR ACCESS THE SERVICES AT ANY TIME OR IN ANY MANNER.

 

Protecting the privacy of young children is especially important. For that reason, We may not know if We collect or maintain Personal Information from persons under 18 years-of-age and/or have never been married, without the consent of their parent or legal guardian. We encourage parents and legal guardians to monitor their children’s internet usage and to help enforce this Privacy Policy by instructing their children never to provide Personal Information through Our Services without their permission. If We learn that Personal Information of persons under 18 years-of-age and/or have never been married has been collected through the Services without the consent of their parent or legal guardian, We will take the appropriate steps to remove such Personal Information.

 

If it comes to Our attention through reliable means that a registered user is a child under 18 years of age or have never been married, without the consent of their parent or legal guardian, We will cancel that user’s account and/or access to the Services. Accordingly, You undertake that You will not disclose any Personal Information from persons under 18 years-of-age and/or have never been married, without the consent of their parent or legal guardian.

 

2. INFORMATION THAT WE COLLECT

 

By downloading and using the Web and/or the App and by utilizing Our Services, You have given Us Your consent for Us to collect and use Your Personal Information.

 

It is important to remember that We only collect what We require and to use such Personal Information for the purposes stipulated in this Privacy Policy and the Terms and Conditions where You are bound as a party, as well as for the purpose of provision of the App and/or Web and/or Services. Your Personal Information We collect including as follows:

 

INFORMATION	REASON (including but not limited to)
Your name, address, and date of birth	We need this in order to keep information of You, Our partner for the needs of Your commission and performance, among others.
Your mobile phone number and email address	This is part of the account creation process. It is also the way that We will contact You with policy, service, claims, availability in Your region, and news-related communications. We may share Your phone number with Our service providers who need to coordinate with You.
Your Personal and Tax ID number	We need Your Personal and Tax ID number in order to verify Your identity and taxation purpose.
Your payment information	This is needed to process Your payment. Since We use a third-party payment processor, We have only limited information about Your payment transactions.
Social Media account	In the future, if not already now, We may need Your social media account subject that it is permitted by the access of such account. The purpose is to expand the partner community.
Contact/Address book	You may use Your contact list to ease the creation of a community or to invite others to Us.
App and device usage statistics	We may collect data from Your smartphone. We aggregate and anonymize this data to look for statistical patterns that can help Us give You, and all Our users, more precise rates and coverage, as well as to improve overall performance and experience.
A short video or photos	This helps Us better understand what happened. The video and/or photo(s) is/are always kept private.
Corporate Documents	For corporate partner registration purpose, We will require the relevant corporate documents such as Article of Association, Business Number, and Taxpayer Number.

 

Information as specified above whether about You or, when and as applicable, about or related to any other third person as disclosed by You, hereinafter will be called “Personal Information”. 

 

Your Personal Information will identify You as the user of the Web, the App and/or the Services. Personal Information can be given by You directly (for example when You register Yourself as the user of the App or through submission via the App) or automatically collected when You use the Web, the App and/or the Services.

 

3. LOCATION INFORMATION AND OTHER INFORMATION FROM DEVICES.

 

When You use the Services through the Web and/or the App on a device, We will collect and use Personal Information about You for the purposes stipulated in this Privacy Policy and Terms and Conditions. In addition, We may collect information about Your location in real time. We may use the location information collected from Your device to enhance Your use of Our Services by providing You with relevant content and contextual advertising. You can change the privacy settings of Your device at any time, in order to turn off the functionality to share location information through the App and/or the Web. Please note that turning off location sharing may affect certain features of Our Services. We identify Your location only to provide a more tailored experience for You.

 

4. USE OF COOKIE

 

Cookie is a small data file placed in Your browser on Your internet device. With Cookie, the feature of application and/or website that You access can save information and remember Your actions and preferences from time to time.

 

Most of internet browsers support Cookie; but You may set the browser You use to reject several types of certain Cookie or specific Cookie. Besides, You may delete the Cookie at any time.

 

We use Cookie for several purpose, for example to make sure about Your preference and to protect Your data.

 

5. THE USE AND DISCLOSURE OF PERSONAL INFORMATION

 

By downloading and using the App and/or the Web and by utilizing Our Services, You have given Us Your consent for Us to use and disclose Your Personal Information. We may employ or cooperate with other companies and persons as third parties to facilitate or provide support in developing the App and/or the Web and/or the Services to Us and/or on Our behalf as well as for the purpose of the provision of App and/or the Web and/or the Services to You, including but not limited to: (i) perform Services relating to Web and/or the App (including but not limited to maintenance, database processing, web analysis and feature perfecting services); (ii) assist Us in analyzing how the Web, the App and the Services are used as well as their development; (iii) to assist Our professional advisor or external auditor, including legal advisor, financial advisor, and consultants. These third parties have access over the Personal Information only to perform those tasks for Us and/ or on Our behalf and are contractually bound not to disclose or use the Personal Information for any other purpose.

 

We will disclose the Personal Information to the extent it is required by law or required to comply with the provisions of the laws and regulation, government institution or in case of a dispute, or any form of legal proceeding between You (or any other third parties as relevant) and Us, or relating to the Services, or in an emergency condition.

 

Personal Information may be transferred, stored, used and processed in a jurisdiction other than Indonesia where Our servers are located.

 

6. RETENTION, TRANSFERS, COMMUNICATION

 

1. Retention

 

We retain Personal Information as long as necessary for the fulfilment of Our identified legal and/or business purposes or as otherwise necessary to comply with applicable laws. When Personal Information is no longer necessary or relevant for such purposes, or upon any valid and lawful request from You or required by applicable laws, We will take steps to have it deleted, destroyed, erased, aggregated or made anonymous.

 

1. Marketing communications

 

We (and/or authorized third parties selected by Us) may communicate with You by a variety of means, such as using the telephone number(s) and/or email address(es) associated to Your user account or Your unique user identifier. We may communicate information, surveys, marketing materials, advertisements or customized content which has been personalized to try to make it more relevant to You as part of Your relationship with Us. For example, We may do so where You have not unsubscribed from receiving such communications and it is permitted by law, where You have explicitly agreed to receive such communications, where You use free services which rely upon advertising (including targeted advertising based on profile information), or through utilizing aggregated data or data that has been made anonymous. We may ask You from time to time if You would like to receive from Us or authorized third parties selected by Us, additional announcements, news, offers or event invitations regarding Us and the Services. You may also choose to provide Us with information in response to various promotional activities of Us. Typically, an unsubscribe mechanism is included with every Our marketing or commercial communication.

 

1. Service-related communications from Us

 

We may also send You certain service-related communications. For example, We may send a welcome email or message when You first register for Your user account to inform You about the Services and its terms, to notify You of important changes, to tell You how to manage Your credentials or account, to provide service infrastructure notifications or information about upgrades or updates, safety or security information, or for surveys of current or former users. Because such service-related communications are important to Your use of the Services, You may not opt-out of receiving these communications.

 

1. Information sharing

 

General. Except as outlined in this Privacy Policy, Personal Information will never be sold to or shared with other companies or organizations for commercial purposes or otherwise. We may transfer Personal Information within Us and to sub-contractors that help Us develop, maintain and/or provide Web, App and/orServices. Transfers to subsequent third parties are covered by the service agreements with Our sub-contractors. Such sub-contractors may include third-party record or payment processors who process Your credit card and other payment information for Us but are otherwise not permitted to store, retain or use such Personal Information. We may also share information with Our financial, insurance, legal, accounting or other advisors that provide professional services to Us.

 

Non-disclosure Agreements. We use contractual or other means to provide a comparable level of protection while the information is being processed by Our service providers. It is Our policy to enter into confidentiality obligations with any third party that obtains confidential information including Personal Information from Us. For example, except where We are required or permitted by law to disclose Personal Information, Our service providers to whom We provide Personal Information typically agree to hold the Personal Information in confidence and only use the Personal Information for the purposes for which it was provided or to comply with applicable laws.

 

Third Party Purchaser. In the event of the sale of, or potential sale of, all or a portion of Our assets, We may provide Personal Information to the third party purchaser or potential purchaser(s). You hereby consent to the use of Your Personal Information by Us for the purposes of any purchase, sale, lease, merger or amalgamation or any other acquisition, disposal or financing of Us or a portion of Us or of any of the business or assets of Us, or any potential thereof.

 

Advertisers. We may utilize third parties (e.g., advertising networks) to provide advertisements using non-personally identifiable attributes or anonymised data that is derived from profile data processed by Us, and provide such third parties with general statistics relating to the advertisements delivered.

 

7. ACCURACY OF YOUR PERSONAL INFORMATION

 

We take reasonable steps to ensure that Personal Information is sufficiently accurate, complete and up-to-date. Notwithstanding, We are not liable to make any independent verification and/or investigation regarding the accuracy, legality, or validity thereof. We also depend on You to update or correct Personal Information whenever necessary. You represent and warrant that all information provided by You is accurate and complete, and that none of it is misleading or out of date and can be relied on for any purposes. You will promptly update Us in the event of any change to the Personal Information provided or otherwise made available by You to Us. Failure to do so may delay or prevent the provision of Services to You.

 

8. INDEMNITY

 

You agree, represent and warrant that any content, data, information and/or Personal Information You transmit through Our Services or to Us is truthful, accurate, not misleading and offered in good faith, and that You have the right to transmit the same to Us. You shall not upload, post or otherwise make available on or through a Web or App any content protected by copyright, trademark or other proprietary right of any third party without the express written permission of the owner of such right(s) or the authority to do so. You shall be solely liable for any damages resulting from any infringement of copyright, trademark or other proprietary rights, or any other harm resulting from such a submission.

 

You agree to indemnify and hold harmless Us and Our related group companies, including its board members, directors, officers, employees, agents and contractors from and against any and all claims, damages, losses, costs (including without limitation reasonable attorneys’ fees) or other expenses that arise directly or indirectly out of or from (a) Your breach of any provision of this Privacy Policy; (b) Your activities in connection with the Services or use of the App and/or Web; or (c) unsolicited information You provide to Us through the Web and/or App and/or through or for the Services.

 

9. LIMITATION OF LIABILITY

 

We will not be liable for any damages of any kind arising out of or relating to the use of or the inability to use the Services, the App, Web or content or links, including but not limited to damages caused by or related to errors, omissions, interruptions, defects, delays in operation or transmission, computer viruses or line failures. We shall not have any liability or responsibility for any acts, omissions or conduct of any user or other third party.

 

We will also not be liable for any indirect, special, incidental, exemplary or consequential damages, even if We have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to You.

 

If any portion of this limitation of liability is found to be invalid or unenforceable for any reason, then, to the extent not prohibited by law, the aggregate liability of Us shall not exceed one million Rupiah.

 

10. SAFEGUARDING YOUR PERSONAL INFORMATION

 

We continue to review and implement physical, organizational and technological measures used to protect Personal Information against loss or theft, unauthorized access, alteration or disclosure appropriate to its level of sensitivity. If there is any personal data breach, We will investigate and resolve the issue(s) as soon as possible, and where necessary, or required by specific laws, notify You and/or the relevant regulator(s).

 

We seek Your cooperation to safeguard Personal Information. You can reduce risk of unauthorized access to Your Personal Information by using common sense security practices. For example, You are responsible for utilizing appropriate security measures to control access to Your device and computer system, which includes creating a strong password that cannot be easily guessed by others (e.g. by including punctuation marks, numbers, capital and lowercase letters, and choosing a password of an appropriate length and which does not include Your name or account name), using different passwords for different services, maintaining the confidentiality and security of Your password and/or OTP code, not sharing access to Your email or device, setting an adequate pass code to unlock Your device, keeping Your email and/or telephone number up-to-date, and using up-to-date antivirus software. Please note that We will never contact You to request Your disclosure of Your password or OTP code.

 

11. GENERAL, GOVERNING LAW AND JURISDICTION

 

This Privacy Policy 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 Privacy Policy. The continued use of the App and/or the Web and/or the Services by You after such modification, variation and changes constitute Your consent to and acceptance of the modifications, variations, and/or changes.

 

We reserve the right to discontinue or modify any aspect of the Services at any time. This Privacy Policy, together with the Terms and Conditions and any other legal notices published by Us on Web and/or in the App, shall constitute the entire agreement between us concerning the Services. If any provision of this Privacy Policy is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Privacy Policy, which shall remain in full force and effect. However, that in such event this Privacy Policy shall be interpreted so as to give effect, to the greatest extent consistent with, and permitted by, applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction.

 

Relationship with Partnership Agreement with PT FUSE DIGITAL INDONESIA and PT PIALANG ASURANSI INDOTEKNO: 

As part of partner registration and verification process (as stipulated under the Terms and Conditions), You as partner, shall enter into a separate partnership agreement with PT Fuse Digital Indonesia and PT Pialang Asuransi Indotekno as Our insurance brokerage partner (“Partnership Agreement”). Without prejudice to the terms and conditions as provided in the Partnership Agreement, this Privacy Policy governs the collection, processing, and use of Your Personal Information and data, and the Personal Information and data of customers referred by You, in the context of Your activities as a Partner utilizing the Fuse Platform under that Partnership Agreement. This Privacy Policy shall be read in conjunction with the terms of the Partnership Agreement and the Terms and Conditions to understand how Your Personal Information and data and Customer’s Personal Information and data are handled within the scope of Your partnership activities. The Partnership Agreement shall form an integral and inseparable part of these the Privacy Policy and Terms and Conditions.

 

This Privacy Policy shall be governed by the laws of the Indonesia.

 

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.

 

12. FREQUENTLY ASKED QUESTION

 

Does Fuse share my Personal Information with others?

We are cautious in disclosing Your Personal Information to other parties and We only disclose Personal Information for the purposes as mentioned in this Privacy Policy and Terms and Conditions where You are bound as a party. We may disclose Personal Information for the purpose of App development, database management, Service’s analysis or improvement.

 

How does Fuse protect my Personal Information?

We treat Your Personal Information with confidentiality standard as if those Our own, unless if such Personal Information required to be disclosed as stipulated in this Privacy Policy.

 

How does Fuse communicate with its Partners?

We primarily send message to You, Our partner through email and the App. Certain emails communication related to Your account and claims must be delivered and do not include an unsubscribe option. Please ensure that the email We have on record is accurate. You can manage app notifications through Your device settings.

 

Who should use Fuse Web and App?

Our products and services are intended for anyone 18 years of age and/or have ever been married; We do not market any products or services to person under 18 years of age and/or have never been married. If We become aware that information is or has been submitted by or collected from a person under 18 years of age and/or have never been married without the consent of their parent or legal guardian, We will delete this information.

 

Will Fuse ever change this Privacy Policy?

As Fuse evolves, We may need to update this Privacy Policy. No matter what We change, We will always maintain Our commitment to protecting Your privacy. We will post all revisions, along with their effective dates. We recommend that You check this page often to make sure You are familiar with the latest Privacy Policy. To the extent it is permitted by the prevailing rules and regulations, please note that Your continued use of the Web, the App and the Services after any change means that You agree with, and consent to be bound by, the new Privacy Policy.

 

Date of Last Revision: 17 July 2025