“User Information” shall mean any information provided by the User via the Application including but not limited to name, date of birth, identity proof, telephone number, email address, physical address, and other similar details.
Merchant partners may access their data via API. Any use of the API, including use of the API through a third-party product that accesses the Service, is bound by the terms of this agreement plus the following specific terms:
You expressly understand and agree that Kredivo shall not be liable for any damages or losses resulting from Your use of the API or third-party products that access data via the API.
Abuse or excessively frequent requests to the Service via the API may result in the temporary or permanent suspension of Your account's access to the API. Kredivo, in its sole discretion, will determine abuse or excessive usage of the API. Kredivo will make a reasonable attempt via email to warn the account owner prior to suspension.
Application Access and User Registration
You agree and understand that the Application and its contents are intended for people who are of the age of 18 years or above. You hereby represent that You are 18 years of age or above and competent to enter into a contract or that You are represented by a parent or Your legal guardian. You understand that this Application is intended for individual personal use only.
To the extent that You are required to provide information in order to use the Application, You understand and undertake that You will provide accurate information including User Information as part of the sign-up and application process.
To the extent that You have provided the User Information to use the Application, You represent that You have all rights required to provide the information that You have provided into the Application, including the User Information, and represent that it is true and accurate.
For enabling the Service, Kredivo may partner with one or more banks or financial institutions (“Financial Partner”). Users agree to abide by any terms and conditions as may be specified by such Financial Partner.
You shall be fully responsible for Your actions on the Application including those conducted under the username assigned to You.
You understand and agree that Kredivo may, in its sole discretion, terminate Your access to the Application without notice and You waive any right to claim access to the Application or any other claim that You may have. Any data of Your usage may be retained or deleted at Kredivo’s sole discretion.
The Application is currently designed to provide You either one or a combination of the following: a credit health checking or a credit wallet or the ability to make a purchase now and pay later.
In relation to the use and access of the Application along with its contents and features, You agree and undertake not to:
Re-sell the usage or services of the Application;
Upload, transmit or publish any information on behalf of a third party, including any User Information of any person other than You;
Impersonate another person;
Upload, transmit, email or publish any information or material which is harmful, threatening, abusive, libelous, obscene, derogatory (in any form), defamatory or libelous, discriminatory, racially or ethnically objectionable or contains pornography or encourages money laundering or gambling;
Contain contents which are racially or ethnically inappropriate or contains pornography or encourages money laundering or gambling;
Violate the privacy of any person;
Upload, transmit, email, or publish any information or material which is harmful to minors;
Upload, transmit, email, or publish any information or material which threatens the unity, integrity, defense, security, or sovereignty of the country in which You are resident or accessing the Application from, friendly relations with foreign countries, or public order or causes incitement to the commission of any cognizable offense or prevents investigation of any offense or is insulting any other nation;
Upload, transmit or publish any viruses or other malware, to corrupt, interrupt, limit, destroy or otherwise impact the Application, Kredivo’s computer systems, or the computer systems of other Users or third party systems;
Upload, transmit, or publish anything which You do not have the rights to or any material which infringes the intellectual property rights (in whatever form) of any third party;
Access the Application in any unauthorized manner, including by hacking or using log in credentials of any other User or using BOTS;
Use the Application for any unauthorized marketing purposes or for sending any unsolicited materials or advertisements;
Use the Application for any purpose that is prohibited under applicable laws.
You agree and understand that:
The contents of the Application including but not limited to the information, logos, designs, databases, arrangement of databases, user interfaces, response formats, software, audio, pictures, and icons, are the sole property of Kredivo or its licensors. All intellectual property in and to the Application and its contents and functionalities shall vest solely with Kredivo or its licensors.
To the extent required, You grant to Kredivo a non-exclusive, royalty-free, worldwide, transferrable, sub-licensable right to store, display, demonstrate, publicly perform, use, reproduce, format, and distribute any contents, posts, emails, uploads, materials, trademarks, trade names and any of Your intellectual property which You have provided to Kredivo or on the Application.
Any content uploaded by You may be displayed and reproduced by Kredivo in any manner it deems fit.
You have no right to make any copies of the whole or part of this Application or any of the content therein.
You have no right to remove, modify (including removing any copyright notices or proprietary markings) any part of the Application save for any User Information that belongs to You.
You have no right to use any search mechanisms other than that provided on the Application and You will not use any web-crawler or any data harvesting tools to harvest data in any form from the Application.
Kredivo provides no guarantee for the validity and accuracy of any information published on the Application. Further, You understand and agree that it is at Your own discretion and based on Your judgment that You use the Application.
Kredivo does not represent in any manner that:
The information, data, or contents of the Application are accurate
The Application will be available at all times and will operate error-free or that there will be uninterrupted access and service
The integrity of the information on the Application or information You upload will be maintained
The Application or any content is free from viruses and other malware.
You agree and understand that the contents and services on the Application are available on an “as is” basis.
You expressly release Kredivo and its directors, officers, and representatives from any cost, damage, liability, or other consequence of any use of the Application by You or the actions of the Users of the Application.
Subject to applicable laws, Kredivo hereby disclaims all warranties, whether express or implied, in relation to the Application, its contents, and functionalities, including but not limited to warranties of merchantability or fitness for a particular purpose. Where applicable laws do not permit the disclaimer of warranties to the extent detailed above, the said warranties are disclaimed to the maximum limit permitted by applicable laws.
Kredivo reserves the right to remove any content posted on the Application and assumes no liability that may arise to You or any third party for such conduct of Kredivo.
The Application may contain links to third-party applications. Kredivo shall not be responsible in any manner for the contents of the third-party applications and if You choose to use the link to view the third-party applications, You choose to do so at Your own risk. Kredivo does not endorse the contents nor in any manner represent the accuracy or correctness of the information on such third-party applications.
No fee shall be charged for the use of the Application per se, but one-time and processing fees may apply if You use the Application.
Limitation of Liability
Kredivo takes matters related to intellectual property rights and privacy seriously. Should You have any complaints regarding the Application, including but not limited to abuse and misuse of the Application, copyright infringement and the like, or any issues related to data privacy, please report the same to firstname.lastname@example.org.
Force Majeure: In no event shall Kredivo be liable for any acts beyond its control or for any acts of God.
Access: This Application is intended for viewing in the geographies of Indonesia, Singapore, and Thailand initially and later on in all the geographies of Southeast Asia. Kredivo does not make any claim that the Application and its contents may be lawfully viewed or accessed in the jurisdiction You are viewing it in. You are solely responsible for complying with laws applicable to You.
Disclaimer: NEITHER KREDIVO NOR ITS SITES OR SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX, FINANCIAL, OR INVESTMENT ADVICE. KREDIVO IS NEITHER A REGISTERED CAPITAL MARKET INTERMEDIARY NOR A FINANCIAL ADVISOR BUSINESS. UNLESS SPECIFIED OTHERWISE, ANY CONTENT KREDIVO PROVIDES TO YOU IS BASED SOLELY ON THE INFORMATION PROVIDED BY YOU, AND MAY NOT TAKE INTO ACCOUNT INFORMATION THAT MAY BE AVAILABLE IN THE CONTEXT OF A MORE DETAILED EXAMINATION OF YOUR PERSONAL FINANCIAL SITUATION. ACCORDINGLY, BEFORE MAKING ANY FINANCIAL DECISION OR IMPLEMENTING ANY FINANCIAL STRATEGY, YOU MUST OBTAIN ADDITIONAL INFORMATION AND CONTACT YOUR BANKER, ACCOUNTANT, OR OTHER FINANCIAL ADVISERS WHO ARE FULLY AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES.