Terms of Condition

Terms and Condition

The following terms and conditions govern the use and access of customers to the mobile application or Electronic Banking Services of PT Bank Jasa Jakarta, a bank licensed and supervised by the Financial Services Authority (OJK) and a participant in the deposit insurance program of the Deposit Insurance Corporation (LPS), headquartered in Jakarta (hereinafter referred to as the Bank). The application, referred to as Bank Saqu from Bank Jasa Jakarta or the Application, can be downloaded by customers from the official application distribution media (software) designated by the Bank and can be accessed directly by customers through their devices (gadgets).

The Bank provides digital banking services and other banking services to individuals who have a Digital Account with the Bank and/or use products and/or services provided by the Bank.

By accessing or using the Bank Saqu Application from Bank Jasa Jakarta, customers agree and commit to comply with the terms and conditions of the Bank Saqu Application from Bank Jasa Jakarta (hereinafter referred to as the Terms and Conditions) and the Privacy Policy of the Bank Saqu Application from Bank Jasa Jakarta stated on a separate page.

These Terms and Conditions also apply each time a customer conducts a transaction, uses products and/or services of the Bank through third parties who have signed cooperation agreements with the Bank and/or uses products and/or services of the Bank as one of the payment methods (Third Party Bank).

I. Definitions

BI-FAST is the national retail payment system infrastructure that provides real-time, secure, efficient, and 24/7 retail payment facilities.
Busposito is a fixed-term deposit product available in the Bank Saqu Application from Bank Jasa Jakarta, where the applicable interest rate is based on the number of participants in each Busposito.
Bank Saqu Contact Center is a service provided by the Bank as a means for interaction between the Bank and customers or prospective customers through various channels, including telephone, electronic mail (email), social media, and instant messaging, whether through a queuing system or a separate system for each channel.
Deposito Reguler is a deposit placed digitally through the Bank Saqu Application from Bank Jasa Jakarta, where withdrawals can only be made at specific times according to the agreement between the customer and the Bank.
Fingerprint is a method that customers can use on devices (gadgets) with biometric scanner features to access the Bank Saqu Application from Bank Jasa Jakarta.
Calendar Day is 7 (seven) days a week, from Monday to Sunday.
Working Day is any day other than Saturday and Sunday or national holidays determined by the Government of the Republic of Indonesia, with operating hours from 09:00 Western Indonesia Time (WIB) to 17:00 (WIB).
Instruction is any customer's command to the Bank related to transactions received through electronic and non-electronic media determined by the Bank.
Rounding Fund Amount is the value set by the Application used as a reference for rounding transactions. In every transaction through the Bank Saqu QRIS, customers can choose only one of several Rounding Fund Amount options available in the Application.
Electronic ID Card (e-KTP) is an ID card equipped with a chip that serves as the official identity of residents issued by the population and civil registration agency of the district/city or technical implementation unit of the population and civil registration agency.
Security Code is one of the security features provided by the Bank to customers to access and use the Bank Saqu Application from Bank Jasa Jakarta, as well as to conduct financial transactions. Security codes include PIN (Personal Identification Number) and/or Password.
The Bill Payment/Purchase Service is a transaction where funds are debited from the Digital Account for specific payments or purchases made by the Customer and available on the Application.
Electronic Banking Service is a service to obtain information and communicate according to the Bank's regulations, enabling customers to conduct transactions through electronic media determined by the Bank.
Limit is the maximum nominal transaction limit that customers can use within a specific period.
Electronic Media is the media used by customers to conduct transactions or use the Bank's Electronic Banking Service, including but not limited to mobile phones and/or other media to be determined later by the Bank.
Merchant is a third party that signs a cooperation agreement with the Bank and/or uses the Bank's products and/or services as one of the payment methods.
Customer is the owner and user of the products and/or services of the Bank Saqu Application from Bank Jasa Jakarta.
One Time Password (OTP) is a dynamic 6-digit password valid for one activity, sent via Short Message Service (SMS) to the customer's registered mobile number and/or email as authentication for opening a Digital Account in the Bank Saqu Application from Bank Jasa Jakarta or other customer activities on the Application.
Password is a combination of alphanumeric characters and special characters created by the customer when opening a Digital Account in the Bank Saqu Application from Bank Jasa Jakarta, used as a security code to access the Bank Saqu Application from Bank Jasa Jakarta.
Beneficial Owner is any person who:
19.1. Is entitled to and/or receives specific benefits related to the customer's Digital Account;
19.2. Is the actual owner of the funds;
19.3 Controls customer transactions;
19.4 Grants authority to conduct transactions.
Personal Identification Number (PIN) is the customer's personal identification number used in the Bank Saqu Application from Bank Jasa Jakarta. Customers can use the PIN to conduct financial transactions and update customer data on the Bank Saqu Application from Bank Jasa Jakarta.
A Payment Aggregator Company is a company that provides integrated payment services for merchants and buyers.
The Issuer is a third party registered in the Bank Saqu Application from Bank Jasa Jakarta, where Customers can conduct Bill Payment/Purchase Service transactions in the Application with that party using funds from their Digital Account.
Electronic Certificate is an electronic certificate containing an Electronic Signature and identity indicating the legal status of the parties in Electronic Transactions issued by the Electronic Certification Authority.
Electronic Certification Authority (e-CA) is a legal entity that serves as a trusted party, providing and auditing Electronic Certificates.
QR Code is an abbreviation for Quick Response Code, a type of two-dimensional matrix code with black and white square patterns that can be quickly and easily read by devices such as smartphones, tablet cameras, or QR Code scanners.
QRIS is an abbreviation for Quick Response Code Indonesian Standard, an electronic payment system developed by Bank Indonesia (BI) to facilitate non-cash transactions in Indonesia. QRIS aims to provide consistent standards for payments through QR Codes in various digital payment applications.
Digital Account is an individual account opened through the Bank Saqu Application from Bank Jasa Jakarta in the form of savings, deposits, and/or other forms that can be equated with it.
Saku is a Digital Account in the form of a savings product.
Saku Transaksi is an additional Saku that customers can use to manage expenses, receive funds from other banks or fellow customers, transfer funds to and from the Saku Utama and Saku Nabung, transfer funds to and from other Transaction Saku, and transfer funds to other banks or fellow customers.
Saku Utama is the active Saku after customers complete all stages of opening a Digital Account. The Saku Utama functions as a Saku that can receive funds from other banks or customers, transfer funds to and from Saku Nabung and Saku Transaksi, and transfer funds to other banks or fellow customers.
Saku Booster is the active Saku after customers complete all stages of opening a Digital Account, where the Bank can periodically fill the Saku Booster through programs subject to the Bank's Terms and Conditions and applicable laws and regulations. The Saku Booster functions as a Saku for collecting rewards after customers participate in various programs in the Application.
Saku Nabung is an additional Saku that customers can use to save, receive funds from other banks or the Bank, transfer funds to and from Saku Utama and Saku Transaksi, and transfer funds to and from other Saku Nabung.
Tabungmatic is a program to round the value of transactions made through QRIS to a predetermined value set by the Bank automatically to help customers easily collect funds. The rounded funds will go into the Saku Booster.
Transaction is an activity performed by customers through the Bank Saqu Application from Bank Jasa Jakarta, including but not limited to balance information, transaction history, fund transfers, and others provided by the Bank from time to time.
Financial Transaction is an activity performed by customers through the Bank Saqu Application from Bank Jasa Jakarta that causes a change in the customer's assets or finances, whether it increases or decreases, such as fund transfers, deposit transactions, and others provided by the Bank from time to time.
Non-Financial Transaction is an activity performed by customers through the Bank Saqu Application from Bank Jasa Jakarta in the pre-transaction and post-transaction stages, including changes to customer data, PIN changes, Password changes, Transaction Limit changes, biometric activation, and downloading Financial Statements (e-statements).
Fund Transfer is a series of activities initiated by the original sender's order to transfer a certain amount of funds to the recipient mentioned in the fund transfer order until the funds are received by the recipient. In the case of customer-initiated fund transfers from the Bank to other banks, the infrastructure that can be used is BI-FAST.
Monthly Quota is the monthly Tabungmatic quota provided by the Application.
Rounding Fund Amount is the value set by the Application used as a reference for rounding transactions. In every transaction through QRIS, customers can choose only one of several Rounding Fund Amount options available in the Application.
Virus is a program that is destructive and becomes active with human assistance (executed), cannot replicate itself, and spreads because it is done by humans, such as copying, usually through email attachments, games, pirated programs, and others.

II. General Provisions

A customer is an individual and an Indonesian citizen (WNI) who has an electronic ID card (e-KTP) in accordance with the applicable laws in the Republic of Indonesia.
The Digital Account opening can only be done through the application that can be downloaded via Google Play Store (Android) or Apple App Store (iOS). Thus, prospective customers must have a mobile phone that meets the minimum criteria required by the Bank and possess an active Indonesian mobile phone number specifically for one prospective customer to receive messages sent by the Bank via SMS or other communication media to be determined later by the Bank.
Each mobile phone number can only be used for one Digital Account opening.
The Bank reserves the right to amend and/or add Terms and Conditions, including fees and Limits related to products and/or services, from time to time with prior notification to the customer before the changes and/or additions become effective through Electronic Media or means available at the Bank and within the time specified according to the applicable regulations.
If the customer does not agree to the addition or change in point II.4 above, the customer has the right to stop using the Digital Account. If the customer continues to use the Digital Account after the addition or change takes effect, the customer is deemed to have agreed to the addition or change without objection.
Customers cannot conduct foreign currency fund transfer or receipt transactions through the Bank Saqu application from Bank Jasa Jakarta.
A customer can be categorized as a dormant customer (inactive Digital Account) if there are no transactions initiated by the customer on all of their Digital Accounts at the Bank, whether credit (deposit) or debit (withdrawal), for 12 consecutive calendar months from the date of the last transaction on all Digital Accounts owned regardless of the nominal amount in the customer's account.
Transactions initiated by the customer include fund transfers between wallets, fund transfers to other banks, bill payments, receiving funds from other banks, and auto-debit for loan payments, while credit or debit activities from interest income, administrative fees, tax payments on interest, and stamp duty charges will not be counted as transaction activities or account mutations as referred to in the dormant or inactive Digital Account.
While the Digital Account is dormant, the customer cannot conduct debit and credit transactions on the Digital Account, including cash withdrawals, book-entry transfers, transfers, and other debit transactions. When the customer's Digital Account is dormant, it becomes a dormant account.
The customer's status will not become a dormant account if there is still an active credit facility at the Bank.
As an effort to secure customer funds with a dormant Digital Account, the Bank will apply the following provisions while the Digital Account status is dormant:
10.1 Customers cannot conduct transactions.
10.2 All system-initiated mutations (mutations that occur without the involvement of the customer or their proxies or other parties) will continue, including but not limited to running interest, fees, or deposits and/or Busposito that have ended or roll-over.
10.3 Outstanding instructions/orders will be stopped.
Customers with a dormant account status will be charged a fee on the Main Wallet after no transactions for 12 months, in the amount determined by the Bank each month, and will continue to be charged until the customer's balance reaches Rp0 (zero Rupiah).
Customers can reactivate a dormant Digital Account by opening the Bank Saqu application from Bank Jasa Jakarta and updating their data.
In the event the customer subsequently makes changes to the consent given to the Bank related to providing information and/or customer data to partners and/or third parties cooperating with the Bank and/or parent companies and/or shareholders and/or affiliated parties and/or other parties working with the Bank for administration, promotional activities, or other commercial purposes and/or related to offering products and services of the Bank and/or products and services from partners or other parties working with the Bank, the customer can make changes as referred to above through the Bank Saqu application from Bank Jasa Jakarta. Customers can also refer to the Privacy Policy outlined separately in the Bank Saqu application from Bank Jasa Jakarta.
In the event of financial transaction issues causing incorrect debits and/or credits to the customer's Digital Account, the customer hereby grants approval and authorization to the Bank to correct the balance in the customer's Digital Account, including but not limited to debiting the Digital Account and/or other accounts in the Bank Saqu application from Bank Jasa Jakarta.
The customer hereby acknowledges and agrees:
15.1 The customer's Digital Account in the Bank Saqu application from Bank Jasa Jakarta is guaranteed by the Deposit Insurance Corporation (LPS) according to applicable regulations in LPS. LPS does not guarantee deposits with interest rates exceeding those set by LPS.
15.2 According to applicable regulations in LPS, the customer's Digital Account in the Bank Saqu application from Bank Jasa Jakarta guaranteed by LPS is limited to the principal deposit amount and interest with a maximum amount and maximum interest rate set from time to time by LPS.
15.3 For customer deposits exceeding the maximum guaranteed deposit amount by LPS and/or if the customer receives effective Digital Account interest from the Bank application exceeding the maximum deposit interest rate set by LPS from time to time, the customer's deposit is not included in the deposit guarantee program by LPS. If the customer's interest rate matches the guaranteed interest rate by LPS, but the deposit exceeds the maximum guaranteed deposit amount by LPS, LPS will only guarantee up to the maximum guaranteed deposit amount by LPS.
Customers must contact the relevant mobile operator for issues related to the SIM card (Subscriber Identity Module), mobile operator network, internet network on the phone, billing from the mobile operator, SMS costs, and other services from the mobile operator.
Customer data in the Bank Saqu application from Bank Jasa Jakarta will be stored and managed by the Bank according to applicable regulations and the retention period applicable at the Bank.
The Bank system has a cut-off time at 23.30 WIB each day. Any customer transactions received after the cut-off time will be processed using the next day's date.
Any changes to the cut-off time will be communicated to users from time to time through the Bank's website (https://banksaqu.co.id/id-ID/legal/terms-conditions) or other communication media.
To maintain and/or update the system to ensure and/or improve the quality of service in using the Bank Saqu application from Bank Jasa Jakarta, the Bank reserves the right to temporarily stop the service with prior notice to the customer, and the customer understands and accepts all consequences of the service interruption, including but not limited to the inability to conduct transactions on the Bank Saqu application from Bank Jasa Jakarta.
If the customer changes the device that has been installed and registered on the Bank Saqu application from Bank Jasa Jakarta, whether due to replacement or loss of the device, the customer needs to reinstall the Bank Saqu application from Bank Jasa Jakarta on the new device and re-verify to use the Bank Saqu application from Bank Jasa Jakarta again.
To obtain banking services through the Bank Saqu application from Bank Jasa Jakarta, the customer must meet the requirements and procedures set by the Bank from time

III. Opening a Digital Account

Prospective customers must meet several requirements to be able to open a Digital Account:
1.1 Prospective customers are individuals;
1.2 Indonesian citizens (WNI) aged at least 17 (seventeen) years;
1.3 Have an e-ID card with active status according to the applicable laws in the Republic of Indonesia;
1.4 Have a mobile phone (smartphone) and an active Indonesian phone number, as well as an active email address;
1.5 Not born in the United States or have US Resident status and are not a taxpayer of the United States or another country (non-FATCA/CRS).
The process that prospective customers go through when opening a Digital Account is as follows:
2.1 Prospective customers enter an Indonesian operator's mobile phone number and an active email address, as well as a promo code (if any);
2.2 Prospective customers hereby give consent to the Bank to receive, obtain, search, and request data, information, statements, and/or documents in any form and/or from any party needed by the Bank in connection with the identity and/or business activities of prospective customers for administrative purposes, provision of banking services, or other purposes related to the provision of banking services to prospective customers;
2.3 Prospective customers enter the OTP received via SMS sent by the Application system to the prospective customer's phone number to verify the customer's phone number;
2.4 Prospective customers create and confirm a Password. The Password requirements are:
2.4.1 At least 8 characters;
2.4.2 Use uppercase letters;
2.4.3 Use lowercase letters;
2.4.4 Use numbers;
2.4.5 Use one special character (e.g., !, @, #, %, &, *, and other special characters).
2.5 Prospective customers undergo identity verification;
2.5.1 Prospective customers are required to take a photo of the e-ID card, which is then scanned through Optical Character Recognition (OCR) technology by a Third Party Bank, containing data such as:
a. Full name according to the e-ID card;
b. Nationality;
c. National Identity Number (NIK);
d. Gender;
e. Marital status;
f. Place of birth;
g. Date of birth;
h. Address according to the e-ID card;
i. RT/RW;
j. Province;
k. City/district;
l. Sub-district;
m. Village.
2.5.2 Prospective customers must enter data such as:
a. Mother's full maiden name;
b. Postal code (automatically displayed/auto-generated).
2.6 Prospective customers fill in and/or adjust information on the e-ID card and other related information on the identity verification page;
2.7 Prospective customers must ensure that the data of full name, NIK, address, place and date of birth, nationality, gender, and marital status are correct and accurate;
2.8 Prospective customers take a self-photo (selfie) used for face authenticity verification with liveness detection and face recognition technology on the identity verification performed by a Third-Party Bank through the issuance of an Electronic Certificate;
2.9 Prospective customers undergo the process of identifying the risk profile of prospective customers in accordance with the implementation of Anti Money Laundering, Prevention of Terrorism Financing, and Prevention of Proliferation of Weapons of Mass Destruction (AML, CFT, and PPDW) on the personal information page by filling in data that includes:
2.9.1 Purpose of opening a Digital Account;
2.9.2 Source of funds;
2.9.3 Monthly income;
2.9.4 Estimated monthly income;
2.9.5 Estimated monthly expenses;
2.9.6 Occupation;
2.9.7 Position;
2.9.8 Industry; and
2.9.9 Company or institution name.
2.10 Prospective customers are given the freedom to read, understand, and agree to several provisions on the Bank's Terms and Conditions page, including:
2.10.1 Summary of Bank Products and Services in the General version;
2.10.2 FATCA and CRS Declaration Documents;
2.10.3 Bank Terms and Conditions.
2.10.4 Privacy Policy
If prospective customers provide consent, then prospective customers need to check the approval box on the Bank's Terms and Conditions page. If prospective customers do not give consent or do not check the approval box on the Bank's Terms and Conditions page, prospective customers cannot proceed with the Digital Account opening;
2.11 If the process of opening a Digital Account for prospective customers is approved by the Bank, prospective customers are given the freedom to give consent by checking the approval box in the 'Product and Service Promotion Program'. By checking this, customers hereby agree to receive offers for Bank products or services through personal communication channels, such as email, and/or other media.
2.12 All consents given by prospective customers as referred to in point III.2 are valid proof and binding on prospective customers and provide perfect evidence for the Bank and prospective customers, just like written evidence or as if giving consent by providing a wet signature on the Bank Saqu Application from Bank Jasa Jakarta.
2.13 If necessary, prospective customers hereby agree that prospective customers are obliged to provide additional information and/or documents requested by the Bank related to the profile of prospective customers in connection with the Digital Account opening needs of the Bank and other purposes related to the provision of banking services to prospective customers.
2.14 The Bank has the right to reject or cancel the application for the opening or creation of a customer's account and/or other banking services provided by the Bank, and the Bank has the right not to inform the reasons for rejection in cases, among others:
2.14.1 Prospective customers do not meet the requirements related to the identification and verification process of prospective customers stipulated by the Bank;
2.14.2 Prospective customers do not meet the criteria of Anti Money Laundering and Terrorism Financing Prevention (AML and CFT) procedures set by the Bank;
2.14.3 Prospective customers are included in the list of Suspected Terrorists and Terrorist Organizations and the List of Proliferation of Weapons of Mass Destruction;
2.14.4 Prospective customers provide data and/or information doubted for its accuracy by the Bank, and/or provide false, invalid, incomplete, and/or unwilling to provide requested data or information and/or unwilling to undergo verification by the Bank in accordance with applicable laws and regulations;
2.14.5 Prospective customers have transaction funds from known or reasonably suspected criminal activities;
2.14.6 Prospective customers are a shell bank or a commercial bank or a sharia commercial bank that allows its accounts to be used by a shell bank; and
2.14.7 Prospective customers are subject to screening sanctions based on the provisions applicable at the Bank.

IV. Saku Utama

The function of the Saku Utama is as a pocket that can:
1.1 Receive funds from other banks or from fellow customers.
1.2 Transfer funds to and from the Saku Nabung and Saku Transaksi.
1.3 Perform Fund Transfers to other banks or to fellow customers.
The interest rate on the Saku Utama is determined by the Bank. The Bank reserves the right to change the interest rate at any time by notifying customers through Electronic Media or means available at the Bank in accordance with applicable laws and regulations.
Any interest income will be subject to taxation in accordance with the prevailing tax regulations and will be charged to the customer. Taxes are levied simultaneously with the payment of interest.
To close the Saku Utama, customers must contact the Bank Saqu Contact Center.
If the Saku Utama is closed, customers can no longer enjoy the Bank Saqu Application services from Bank Jasa Jakarta.
Further provisions regarding the closure of the Saku Utama refer to section XVI regarding the Closure of Digital Accounts Initiated by Customers.

V. Saku Transaksi and Saku Nabung

The function of the Saku Transaksi is as an additional pocket that allows the customer to:
1.1 Use it to manage expenses.
1.2 Transfer funds to and from the Saku Utama and the Saku Nabung.
1.3 Transfer funds to and from other Saku Transaksis.
1.4 Perform Fund Transfers to other banks or to fellow customers.
The function of the Saku Nabung is as an additional pocket that allows the customer to:
2.1 Use it for savings.
2.2 Transfer funds to and from other Saku Nabungs.
2.3 Transfer funds to and from the Saku Utama and the Saku Transaksi.
The interest rate on the Saku Transaksi and Saku Nabung is determined by the Bank. The Bank reserves the right to change the prevailing interest rate at any time, and such changes will be communicated to customers by the Bank through Electronic Media or means available at the Bank, in accordance with applicable laws and regulations.
Any interest income will be subject to taxation in accordance with prevailing tax regulations and will be charged to the customer simultaneously with the payment of interest.
Customers can independently open and close Saku Transaksis and Saku Nabungs through the Bank Saqu Application from Bank Jasa Jakarta.
If there is a remaining balance in the Saku Transaksi and Saku Nabung at the time of closure, the funds will be credited to the Saku Utama. Customers hereby agree to allow the Bank to carry out such fund transfers.

VI. Saku Booster

The function of the Saku Booster is as a pocket for collecting rewards after the customer participates in various programs in the Bank Saqu Application from Bank Jasa Jakarta.
The interest rate on the Saku Booster is determined by the Bank. The Bank reserves the right to change the prevailing interest rate at any time, and such changes will be communicated to customers by the Bank through Electronic Media or means available at the Bank, in accordance with applicable laws and regulations.
Any interest income will be subject to taxation in accordance with prevailing tax regulations and will be charged to the customer simultaneously with the payment of interest.
By participating in various programs offered by the Bank, customers have the opportunity to receive additional funds credited to the Saku Booster. Customers agree that funds in the Saku Booster cannot be withdrawn until they reach a certain limit and/or time specified by the Bank.
Funds credited to the Saku Booster are subject to taxation in accordance with prevailing tax regulations.

VII. Tabungmatic

Tabungmatic is only valid for transactions conducted using the QRIS method.
According to the Bank's system, transaction payments and tips to merchants will be prioritized before rounding up funds.
The rounded-up funds through Tabungmatic will be deposited into the Booster Wallet. The benefit of storing funds in the Booster Wallet is that Customers will receive higher interest compared to other Wallets.
The rounded-up funds through Tabungmatic can only be done if the payment amount meets the minimum transaction value required to use Tabungmatic as determined by the Bank, which will be informed to the Customer through Electronic Media or other means provided by the Bank in accordance with applicable laws and regulations, and the Customer has sufficient funds to perform the rounding up. If funds are insufficient, the rounding up cannot be performed even if Tabungmatic is active.
Customers can view the history of rounded-up funds through Tabungmatic via the transaction history of the source Wallet and the Booster Wallet, receipts in the source Wallet and Booster Wallet, and financial statements (e-statements).
Tabungmatic is free of any charges.
In the event of indications of fraud, cheating, rule violations, or other illegal actions, the Bank reserves the right to terminate Tabungmatic, Transactions, and/or block the Digital Account of Customers suspected of committing fraud, cheating, rule violations, or illegal actions.
If deemed necessary, the Bank may amend the terms and conditions of Tabungmatic as stipulated in this section VII by providing notification through Electronic Media or other means provided by the Bank in accordance with applicable laws and regulations.
The terms and conditions related to Tabungmatic are made based on and in accordance with applicable laws and regulations.
By participating in Tabungmatic, Customers acknowledge, understand, and agree to all applicable terms and conditions of Tabungmatic.

VIII. Deposito Reguler

Placement of Deposito Reguler through the Bank Saqu Application from Bank Jasa Jakarta can only be done by Indonesian citizens who have an active Digital Account with the Bank.
The source of funds placed in Deposito Reguler can come from the Saku Utama, Transaction Pocket, and Savings Pocket owned by the customer (source pockets).
Customers understand and agree that the placement of Deposito Reguler in the Bank Saqu Application from Bank Jasa Jakarta will only be processed further if all information on the opening of Deposito Reguler, including but not limited to the filling of Deposito Reguler funds and the term of Deposito Reguler and instructions at the end of the term of Deposito Reguler, has been correctly completed by the customer and approved by the Bank.
The Bank has the right to approve or reject the placement of Deposito Reguler by providing information to the customer regarding acceptance or rejection as intended. This information will be conveyed in the Bank Saqu Application from Bank Jasa Jakarta.
When the Deposito Reguler matures, customers can choose instructions at the end of the term of Deposito Reguler:
5.1 Extend Deposito Reguler for the entire amount, including interest. Upon the Deposito Reguler's maturity date, it will be automatically extended for the same period as determined by the customer at the time of placing the Deposito Reguler. The interest on the Deposito Reguler will be added to the customer's initial funds in the Deposito Reguler on the Deposito Reguler's end date. The interest rate at the time of automatic extension will be in accordance with the prevailing interest rate at the Bank when the Deposito Reguler is automatically extended.
5.2 Extend Deposito Reguler for the initial funds only.
Upon the Deposito Reguler's maturity date, it will be automatically extended for the same period as determined by the customer at the time of placing the Deposito Reguler. The interest on the Deposito Reguler will be credited to the Pocket that is the source of funds for the initial placement of the Deposito Reguler on the Deposito Reguler's end date. The interest rate at the time of automatic extension will be in accordance with the interest rate applicable at the Bank when the Deposito Reguler is automatically extended.
5.3 Do Not Extend Deposito Reguler.
When the Deposito Reguler ends, the initial funds and interest will be credited to the Pocket that is the source of funds for the initial placement of the Deposito Reguler.
Customers are allowed to change instructions at the end of the term of Deposito Regulers no later than 1 (one) calendar day before the Deposito Reguler end date.
The interest rate on Deposito Regulers is calculated based on the amount of funds placed at the prevailing interest rate for the number of days since the date of placement of Deposito Regulers, but excluding the last day the Deposito Reguler ends (maturity date). Interest is only paid on the Deposito Reguler maturity date, unless otherwise determined by the Bank.
The interest rate on Deposito Regulers is determined by the Bank. The Bank has the right to change the prevailing interest rate at any time, and such changes will be communicated to customers by the Bank through Electronic Media or means available at the Bank, in accordance with applicable laws and regulations.
Any interest income will be subject to taxation in accordance with prevailing tax regulations and will be charged to the customer simultaneously with the payment of interest.
Customers can withdraw Deposito Regulers before the maturity date. However, customers are not entitled to receive the current month's interest on Deposito Regulers withdrawn before the Deposito Reguler maturity date.

IX. Busposito

Funds placed in Busposito can come from the Saku Utama, Transaction Pocket, and Savings Pocket owned by the customer (the source pockets).
Before Busposito begins, there is a waiting period and a maximum number of participants that need to be reached. Busposito will commence after the waiting period, as indicated in the Bank Jasa Jakarta Saqu Bank Application, is completed or the maximum number of participants specified by the Bank is achieved, whichever occurs first.
Busposito will start without waiting for the end of the waiting period if the maximum number of participants specified by the Bank has been reached.
The Busposito waiting period is the period during which Busposito is open for customers to join until the specified waiting period end date as indicated in the Application.
The date on which the maximum number of participants specified by the Bank has been reached becomes the Busposito start date, except if the maximum number is not reached until the end of the waiting period. Therefore, the end date of the waiting period becomes the Busposito start date.
Customers can place funds in a Busposito during the waiting period. The amount of funds that can be placed in Busposito must be equal to or greater than the minimum Busposito placement amount set by the Bank (Minimum Placement Amount). After the waiting period ends, customers can no longer add to their funds.
Busposito is available only to Bank customers.
Customers understand and agree that placing Busposito in the Bank Jasa Jakarta Saqu Bank Application will only be processed further if all information regarding Busposito placement, including but not limited to the amount of Busposito funds, has been correctly filled out by the customer and approved by the Bank.
The Bank has the right to approve or reject Busposito placement by providing information to the customer regarding acceptance or rejection, as intended. This information will be conveyed in the Bank Jasa Jakarta Saqu Bank Application.
Busposito offers will be available on the Bank Jasa Jakarta Saqu Bank Application at any time. Each Busposito will have a Busposito number for identification purposes.
The effective period of Busposito is as indicated in the Bank Jasa Jakarta Saqu Bank Application. The amount of interest to be paid in Busposito is calculated based on the amount of placed funds, the placement period, and the applicable interest rate.
The number of days in the placement period is calculated from the Busposito start date to 1 (one) calendar day before the Busposito end date. Interest is only paid on the Busposito end date unless otherwise determined by the Bank.
The interest rate on Busposito is determined by the Bank, and the Bank has the right to change the prevailing interest rate at any time, which will be communicated to customers through Electronic Media or means available at the Bank, in accordance with applicable laws and regulations.
Customers must ensure sufficient funds from the Pocket that is the source of funds for the initial Busposito placement. The amount of funds placed in Busposito will be kept in that Pocket until the Busposito start date, and the funds will continue to earn interest at the prevailing interest rate in that Pocket. Customers can only use 1 (one) Pocket as the source of funds for 1 (one) Busposito.
During the waiting period, and once the customer has joined Busposito, the initial placement funds can be withdrawn by the customer but not in their entirety. The Minimum Placement Amount cannot be withdrawn by the customer. The remaining Busposito funds after withdrawal must be equal to or greater than the Minimum Placement Amount.
After Busposito starts, customers can withdraw funds from Busposito up to 2 (two) times before the Busposito end date:
16.1 For the first withdrawal, Customer can withdraw part or all of the funds in the Busposito;
16.2 For the second withdrawal, if there are still remaining funds, Customer must withdraw the entire remaining balance in the Busposito;
16.3 Customer can withdraw funds from the Busposito before the Busposito matures by paying the withdrawal fee listed in the Application. Each time funds are withdrawn from the Busposito before it matures, a withdrawal fee will be charged. The withdrawal fee will be deducted directly from the Busposito funds withdrawn by the Customer. This means that the amount received by the Customer will be reduced by the amount of the withdrawal fee.
16.4 The funds withdrawn by Customer will be credited to the Wallet that was the source of funds at the initial placement.
Interest will not be given to the customer if:
17.1 The customer closes the Digital Account in the Bank Jasa Jakarta Saqu Bank Application before the Busposito end date;
On the Busposito end date, the placed amount along with interest will be credited to the Pocket that is the source of funds.
The Pocket that is the source of funds for the active Busposito product (has not yet reached the Busposito end date) cannot be closed by the customer. However, if, for various reasons, that Pocket is closed, the Bank has the right to transfer Busposito funds to the customer's Saku Utama.
Interest Bonus is an additional annual interest rate given to customers who enter the Busposito promo code when the customer registers the account in the Bank Jasa Jakarta Saqu Bank Application. Bonus interest is only given for the first Busposito placement. The applicable annual Bonus interest rate corresponds to the prevailing interest rate as indicated in the Bank Jasa Jakarta Saqu Bank Application (if applicable) and applies to the customer's first Busposito placement period. The Bonus interest rate per year may change according to prevailing market conditions, and any changes will be communicated to customers through Electronic Media or means available at the Bank, in accordance with applicable laws and regulations.
Customers will not receive the Bonus interest if:
21.1 The customer closes the Digital Account in the Bank Jasa Jakarta Saqu Bank Application before the Busposito end date;
Any interest income, including Bonus interest, will be subject to taxation according to prevailing tax regulations and will be charged to the customer simultaneously with the payment of interest. Tax will be imposed at the time of interest payment.

X. Warga Get Warga Promo

The Warga Get Warga Promo is a reward program (balance bonus or cashback) for: (a) Customers who invite their relatives or close friends; and (b) prospective Customers who are invited until they become new Customers, by opening a Digital Account in the Bank Saqu Application from Bank Jasa Jakarta using a promo code (referral).
There are several conditions for the inviting Customer, namely:
2.1 The inviting Customer has a registered Digital Account with the Bank;
2.2 The inviting Customer opens the Bank Saqu Application from Bank Jasa Jakarta. On the main page, the Customer clicks on Saku Booster, then clicks on the Citizen Get Citizen banner;
2.3 The inviting Customer uses a promo code (referral) to refer to the prospective Customer. The inviting Customer can share the promo code (referral) through the inviting Customer's owned social media (default) or directly share it with the prospective Customer;
2.4 The inviting Customer will receive a bonus balance with an amount according to the applicable Bank provisions for 1 (one) prospective Customer after the invited prospective Customer meets the terms and conditions of the Citizen Get Citizen promo and successfully creates a Digital Account in the Bank Saqu Application from Bank Jasa Jakarta;
2.5 The maximum bonus balance obtained by the inviting Customer is the amount according to the applicable Bank provisions;
2.6 The inviting Customer must ensure that the invited prospective Customer meets the terms and conditions of the Citizen Get Citizen promo and successfully creates a Digital Account to receive the bonus balance.
There are several conditions for the invited prospective Customer, namely:
3.1 The invited prospective Customer needs to download and register a Digital Account in the Bank Saqu Application from Bank Jasa Jakarta;
3.2 The invited prospective Customer must enter the promo code (referral) during the registration process in the Bank Saqu Application from Bank Jasa Jakarta;
3.3 The invited prospective Customer gives permission to the Bank to show the submitted name as part of the reference record to the invited prospective Customer for tracing purposes;
3.4 Only new prospective Customers can participate in this promotion and have a promo code (referral);
3.5 The invited prospective Customer is entitled to receive a bonus balance in the amount according to the applicable Bank provisions if:
3.5.1 Successfully creates a Digital Account in the Bank Saqu Application from Bank Jasa Jakarta;
3.5.2 On the first day of registration, the invited prospective Customer places funds (saves) in the Saku Utama in the amount according to the applicable Bank provisions; and
3.5.3 Holds the balance for 7 (seven) Calendar Days, starting from day 1 of becoming a Bank Saqu Customer.
3.6 The bonus balance will be credited to the Saku Booster of the invited prospective Customer within 3 (three) Calendar Days after clause IX.3.5 above is fully satisfied;
3.7 If the invited prospective Customer has used one promotion for new registration, then the invited prospective Customer cannot participate in a similar promotion;
3.8 The invited prospective Customer who has become a Customer can become an inviting Customer and receive a bonus balance in the amount according to the applicable Bank provisions by fulfilling the conditions in clause IX.2 above.
Gift tax is borne by the Bank.
The Warga Get Warga Promo is free of charge.
If deemed necessary, the Bank may change the terms and conditions of the Warga Get Warga Promo as stipulated in clause IX by providing notification through Electronic Media or means available at the Bank in accordance with applicable laws and regulations.
The decisions, terms, and conditions of the Warga Get Warga Promo in clause IX and all its changes set by the Bank are final and cannot be contested.
By participating in the Warga Get Warga Promo, Customers acknowledge, understand, and agree to all the terms and conditions of the Warga Get Warga Promo that apply.
The Bank has the right to cancel the prize if there is an indication of fraud or a violation of the terms and conditions of the Warga Get Warga Promo as stipulated in clause IX.
The Bank and the Customer agree to release and discharge each other from any claims, demands, lawsuits, losses, and/or costs arising in connection with the Warga Get Warga Promo that occur due to the errors and/or omissions of each party.
The terms and conditions of the Warga Get Warga Promo are made based on and in accordance with applicable laws and regulations, including OJK regulations.
Customers can contact the Bank Saqu Contact Center available for more information about this Warga Get Warga Promo.

XI. Fund Transfer

Fund Transfer transactions (sending and/or receiving) through the Bank Saqu Application from Bank Jasa Jakarta can only be done in Indonesian Rupiah.
Customers can perform Fund Transfers as follows:
2.1 Transfer funds from one Pocket to another owned by the same Customer;
2.2 Fund Transfer between accounts at the Bank (Digital Account to conventional account (non-digital account or an account opened at the Bank branch), as well as interbank transfers in reverse, utilizing the following options:
2.2.1 Account number - Customers can enter the account number of another customer (the fund receiver) at the Bank or another bank. If making a Fund Transfer to a fund receiver at another bank, the Customer must also enter the name of the receiving bank;
2.2.2 Favorites - Customers can choose a fund receiver at the Bank or another bank from a list of favorites previously registered by the Customer;
2.2.3 Proxy ID - Customers can enter the phone number or email of the fund receiver at the Bank or another bank registered in BI-FAST;
2.2.4 Phonebook - Customers can select the phone number of the fund receiver at the Bank or another bank from the phone book feature displayed in the Application.
For the implementation of Fund Transfers between Pockets or Fund Transfers between banks through the Bank Saqu Application from Bank Jasa Jakarta, Customers hereby authorize the Bank to:
3.1 Display the Customer's name and Digital Account number on the screen of the Bank Saqu Application from Bank Jasa Jakarta; and
3.2 Provide the name and Digital Account number data to other banks for display on the ATM screen and/or the screen of other banks' electronic banking or digital banking facilities.
The display of names and the provision of data as referred to in points 3.1 and 3.2 are done as a means of confirmation to the sending Customer to minimize the possibility of a transfer error by the sending Customer.
The instruction request for Fund Transfer is deemed accepted if validated by the Bank.
Customers are fully responsible for the authenticity, accuracy, validity, and completeness of the information entered in the Instruction in the Bank Saqu Application from Bank Jasa Jakarta.
The Bank is not responsible for incomplete information or errors in the instruction given by the Customer.
The Bank will credit back the transferred funds to the Customer's sending account if returned by the receiving bank for any reason.
Each type of Financial Transaction has a Fund Transfer or Transaction Limit that refers to the applicable Limit set by the Bank. Customers can change the Fund Transfer Limit in the Bank Saqu Application from Bank Jasa Jakarta as long as it is below the Fund Transfer Limit set by the Bank.
Fund Transfers will be automatically rejected by the system if, among other things, the account is inactive (dormant) or the Customer's Digital Account balance is insufficient during the Fund Transfer process.
The Bank has the right and is authorized by the Customer to debit the Customer's Digital Account without prior notice in the event of errors in credit, recording, or administration at the Bank or other parties.
The Bank has the right to provide the sending Customer's data to the receiving bank or relevant authorities, if requested by them, as regulated in applicable laws and regulations.
Customers hereby authorize the Bank to debit the Customer's Digital Account for the payment of all Customer's obligations related to Fund Transfer activities. This authorization is ongoing and cannot be withdrawn and will not end for any reason whatsoever, including but not limited to the reasons as referred to in Article 1813 of the Civil Code as long as the Customer still has obligations to the Bank.
The Bank is fully authorized and entitled to determine the method and means or media of fund transfer (Fund Transfer), either through other banks or correspondent banks or other media deemed suitable by the Bank. The Customer or applicant agrees that for transfers through other banks, correspondent banks, and/or other media or means deemed suitable by the Bank, the terms and conditions of the transfers set by such other banks or correspondent banks or other media or means shall apply.
Customers can make deposits at any time by transferring funds from other banks using the Bank Indonesia-Fast Payment (BI-FAST) method. For incoming money transfer transactions, the funds will be credited to the Pocket after the funds are effectively received by the Bank.

XII. QRIS

QRIS transactions refer to a type of payment that uses QRIS. This payment method does not include inter-account transfers and is only applicable to merchants using QRIS.
QRIS transactions enable quick and easy payment transactions.
No fees are charged for QRIS transactions.
QRIS transactions can only be conducted if the customer has sufficient funds for the transaction. If the funds are insufficient, the QRIS transaction will not be successful.
The application accepts all types of QRIS transactions issued by payment service providers throughout Indonesia.
The limitation on the amount of funds that can be transacted via QRIS per transaction follows the regulations set by Bank Indonesia, while the daily cumulative transaction limit for QRIS transactions follows the regulations set by the Bank. Information related to these limits can be found on the "My Account" page in the application. Both the maximum transaction limit and the daily cumulative transaction limit for QRIS transactions on the application can be changed by the Bank at any time in accordance with the Bank's policies, referring to applicable legal provisions.
Customers can make payments using QRIS in the application by scanning the QRIS code directly through the phone's camera or uploading the QRIS code from the phone's photo gallery.
The Bank will process the information obtained from scanning the QRIS code, and the customer will be asked to enter the payment amount details if not specified by the merchant. If the payment amount is already specified by the merchant, the customer must verify the accuracy of the amount and confirm the transaction.
In making payments using QRIS, customers hereby understand and agree to the following:
9.1 When customers make QRIS transactions, they must carefully verify the merchant's name and transaction amount. Customers are fully responsible for all consequences arising from QRIS transactions conducted by them, including losses due to the customer's negligence in verifying the accuracy of the merchant's name and transaction amount.
9.2 For each payment transaction, the Bank will check the validity of the scanned QRIS code to ensure compliance with the standards set by the Indonesian payment system industry. However, the Bank is not responsible for losses, errors, or incorrect payments related to the customer's Digital Account if the information provided by the merchant is inaccurate or incorrect.
9.3 In case of errors, customers are expected to contact the merchant to file a complaint or initiate the refund process.
Each QRIS transaction conducted by customers will generate a receipt. Customers can access this receipt through the transaction history menu available in the application under the customer's funding source.
Customers can use Tabungmatic in QRIS transactions. The terms related to the use of Tabungmatic refer to section VII.
Customers can view the history of QRIS transactions through the transaction history of the funding source pocket, receipts in the funding source pocket, and e-statements.
During QRIS transactions, technical disruptions or network availability issues may occur, which can impact the functionality of QRIS.
Customers hereby declare that they have understood and accepted the explanations provided by the Bank regarding QRIS. Customers understand the characteristics, risks, and benefits associated with the product, as well as the consequences of using QRIS. Customers also understand that the decision to use QRIS is entirely in their hands, and they are responsible for any consequences arising from the use of QRIS. In this regard, customers release the Bank from any claims or complaints that may arise from the use of QRIS.

XIII. Security Information

Security information such as Passwords, OTPs, biometric scanners (Fingerprint or face recognition), and/or PINs (6-digit numbers) will be required to access the Application and Digital Account (log in), device activation, information changes, and execute any Transactions deemed necessary by the Bank for authentication purposes. For each security information determined and set by the Customer, it is essential to use strong security measures and avoid easily guessable information, such as personal details like birthdates. The use of such information will be considered as negligence on the part of the Customer. Customers are fully responsible for the security and confidentiality of all uses of the Bank Saqu Application from Bank Jasa Jakarta installed on their mobile devices.
Security information will be treated as confidential under the Customer's responsibility, as this information is equivalent to a written instruction signed by the Customer and will be treated as explicit authorization by the Customer for the Bank to carry out Transactions through the Application. Customers must not provide all such security information to third parties.
The Bank pays close attention to the security and convenience of Customers when using the Bank Saqu Application from Bank Jasa Jakarta. Therefore, the Bank has security systems in place when Customers perform Transactions to ensure that Customer Transactions are secure, and Customer information and personal data are stored and used in accordance with the Privacy Policy, subject to applicable laws and regulations.
The Bank uses servers adequate to maintain the security of Customers' personal information.
In using the biometric scanner (Fingerprint or face recognition) feature in the Bank Saqu Application from Bank Jasa Jakarta, Customers must:
5.1 Have downloaded the Bank Saqu Application from Bank Jasa Jakarta on their device;
5.2 Have at least one registered Fingerprint or face recognition on their mobile device;
5.3 Be a valid Customer and user of the Bank Saqu Application from Bank Jasa Jakarta.
If Customers want to use the biometric scanner (Fingerprint or face recognition), they must activate this service during the first log-in after successfully creating a Digital Account or from the settings menu within the Bank Saqu Application from Bank Jasa Jakarta.
Once the Fingerprint or face recognition feature is activated on the device, Customers can access the Bank Saqu Application from Bank Jasa Jakarta and log in using the biometric scanner on their mobile devices.
The biometric scanner originates from the feature on the device used by Customers.
Authentication during log-in on the Customer's device is done using Fingerprint or face recognition, which is not a feature of the Bank Saqu Application from Bank Jasa Jakarta.
The Bank does not recommend Customers use the biometric scanner feature if this feature can be used by parties other than the phone owner.
The Bank is not responsible for any misuse by third parties whose Fingerprint or face recognition is registered on the Customer's phone.
The Bank is not responsible for losses incurred due to the unreliability of the biometric scanner feature owned by the Customer's phone or device. This includes but is not limited to:
12.1 Sensitivity of the biometric scanner feature in identifying Customer fingerprints or face recognition;
12.2 The ability of the Customer's phone or device to compare the match of biometric data stored in the Customer's phone or device previously against the authentication results using the biometric scanner.
Customers can disable the biometric scanner feature at any time through the settings menu available in the Bank Saqu Application from Bank Jasa Jakarta.
The Bank is not responsible for any losses experienced by Customers in connection with the use of the biometric scanner, whether intentional or unintentional, or using the Bank Saqu Application from Bank Jasa Jakarta, even if the Bank has informed the possibility of such losses, including the emergence of losses from:
14.1 Violations of the Bank's provisions regarding the use of the biometric scanner feature, Fingerprint or face recognition on the Bank Saqu Application from Bank Jasa Jakarta;
14.2 Unauthorized access processes and/or use of the phone or device;
14.3 Use in any form by third parties of information or data related to the Customer using the biometric scanner in the Bank Saqu Application from Bank Jasa Jakarta and/or obtained from the Customer's use when logging in through the biometric scanner on the Bank Saqu Application from Bank Jasa Jakarta;
14.4 Access to the Bank Saqu Application from Bank Jasa Jakarta with the biometric scanner by parties other than the Customer;
14.5 Any events beyond the Bank's control or due to abnormal use and/or termination during the use of the biometric scanner or Bank Saqu Application from Bank Jasa Jakarta.
Customers must ensure and agree that the equipment used to access the Bank Saqu Application from Bank Jasa Jakarta is free from electronic failures, mechanical failures, failed or corrupted data, Viruses, and/or harmful or unauthorized software by telecommunications service providers, or manufacturers or vendors of relevant equipment. This includes:
15.1 Ensuring that Customers do not delete intentional limitations applied by phone manufacturers (jailbreak), root, or modify phones, devices, and/or other equipment, or download unauthorized applications as this may make phones and/or devices more vulnerable to Viruses and harmful applications (malware);
15.2 Customers agree that the Bank is not responsible for electronic or mechanical failures, or corrupted data, Viruses, programming code errors in applications (bugs), and/or other harmful software of any kind that may arise from services provided by relevant internet service providers or information providers.
15.3 If the Password is lost or cannot be remembered, the Password can be reset in the Bank Saqu Application from Bank Jasa Jakarta.

XIV. Fees

Customers hereby agree to be charged fees according to the banking services used in the Bank Saqu Application from Bank Jasa Jakarta. The Bank is entitled and hereby authorized by the Customer to debit the Customer's Digital Account for the payment of fees related to banking services (Transaction fees, fees related to facilities desired by the Customer, Digital Account closure fees, and other fees).
Fee debiting is done in accordance with the regulations set by the Bank. Information about the Bank's fees and their details can be obtained by the Customer through Electronic Media or means available at the Bank in accordance with applicable laws and regulations.
By giving instructions for Fund Transfers, Customers agree to the fees imposed. These fees will be debited from the Customer's Digital Account.
If the Customer chooses to receive notification services, the Customer will bear the fees charged by the relevant service providers. Notification fees will be charged by service providers based on rates determined from time to time.
Information related to fees and other details can also be obtained on the Bank's website (https://www.banksaqu.co.id/id-ID/legal/riplay).

VI. Closure of Digital Account by the Customer

The Bank may close a Customer's Digital Account for various reasons related to compliance, security, risk, or violations of applicable terms and regulations. These reasons include but are not limited to:
1.1 Request from authorized financial regulators The Bank may close a Customer's Digital Account upon the request of authorized financial regulators, including but not limited to the Financial Services Authority (OJK) and Bank Indonesia.
1.2 Suspicious activities or fraud indications In the event the Bank identifies suspicious activities, fraud, cheating, money laundering, terrorist financing, and financing of proliferation of weapons of mass destruction, the Bank may close the Customer's Digital Account.
1.3 Violation of terms and regulations (law enforcement) If the Customer is found to violate the terms and regulations agreed upon with the Bank, including but not limited to the use of the Digital Account for illegal or unlawful purposes, the Bank may close the Customer's Digital Account.
1.4 Closure of Digital Account at the request of authorized parties Closure of a Customer's Digital Account at the request of authorized parties, including but not limited to the police, may occur in certain situations involving ongoing investigations or legal actions.
1.5 Bank's internal policies Decision to close a Customer's Digital Account based on the Bank's internal considerations.
1.6 Identification and security Closure of a Customer's Digital Account may occur if the Bank has doubts about the Customer's identity or there are security risks related to the Digital Account.
The Bank's Operational Team will carry out the closure of the Customer's Digital Account in accordance with the applicable Digital Account closure provisions of the Bank.
At the time of Digital Account closure, accrued interest that has not been credited will remain the property of the Bank.
The Bank will send a notification to the Customer regarding the closure of the Customer's Digital Account.
The Bank, at its own discretion, may cancel the closure of the Digital Account without notice, unless otherwise provided by applicable laws and regulations.

XVII. Closure of Digital Account due to Customer's Death

The Bank can only process the closure of the Customer's Digital Account after receiving a report of the Customer's death from the heirs in accordance with the inheritance determination based on applicable laws and regulations (Heirs) or the appointed party or legitimate substitute (Executor of the Will) in accordance with applicable laws and regulations.
Heirs or the Executor of the Will can report the Customer's death to the Bank by contacting the Bank Saqu Contact Center.
The Bank will request Heirs or the Executor of the Will to complete the inheritance documents required by the Bank in the form of printed copies (hardcopy) sent to the nearest Bank branch (Inheritance Documents).
The Bank hereby has the right, but not the obligation, to verify the completeness and validity of the submitted Inheritance Documents before proceeding with the closure process of the Customer's Digital Account due to the Customer's death. The Bank is not responsible for the accuracy, authenticity, validity, and/or completeness, as well as whether the Inheritance Documents have been translated correctly or interpreted accurately. Subject to a condition and release provided by Heirs or the Executor of the Will as mentioned above, the Bank may act on the instructions of Heirs or the Executor of the Will and make payments to Heirs or the Executor of the Will, which serve as valid and deserving proof of the Bank's fulfillment of its obligations to the Customer's Heirs or Executor of the Will.
Heirs and the Executor of the Will hereby release the Bank from any claims, demands, lawsuits, losses, and/or legal consequences arising from the closure of the Digital Account and payment of the remaining balance in the Customer's Digital Account to the Heirs or the Executor of the Will.
In case of disputes or conflicts, including conflicting instructions among the Heirs themselves or between Heirs and the Executor of the Will, Heirs and/or the Executor of the Will hereby agree that the Bank has the right to refrain from executing or delaying instructions or making payments to anyone until there is clarity or resolution between the conflicting or disputing parties based on official clarification received by the Bank from the conflicting or disputing parties, accompanied by other required documents acceptable to the Bank and/or in accordance with a court decision that has become legally binding.

XVIII. Temporary Blocking or Suspension of Customer's Digital Account

The Bank has the right to temporarily block or suspend the Digital Account based on, but not limited to:
1.1 The Bank receives a report in the form of information, orders, or requests from legally authorized agencies related to the Customer's Digital Account.
1.2 The Bank receives an official report from the authorized party or institution, or the relevant court, including, among other things, related to money laundering or the bankruptcy of the Customer.
1.3 The Bank's own considerations in the event of a violation or potential violation of applicable laws and regulations.
The Bank will notify the Customer of the temporary blocking or suspension of the Digital Account through Electronic Media or means available at the Bank in accordance with applicable laws and regulations. The Bank may provide reasons for the temporary blocking or suspension of the Digital Account, in accordance with applicable laws and regulations.
The Bank has the right to cancel the temporary blocking or suspension of the Digital Account if there are further orders or instructions from legally authorized agencies or based on the Bank's own considerations.

XIX. Customer Declaration

The customer hereby declares and warrants that every data and/or information and/or statement entered and listed in the Digital Account or other documents related to the Digital Account are true, valid, current, complete, and legal.
If there are changes to the data and/or information and/or statements provided to the Bank, the customer will make such changes within a period of no later than 30 (thirty) calendar days from the date of the change or within another period as notified by the Bank in the form of Electronic Media or other means available at the Bank in accordance with applicable laws and regulations.
The customer is fully responsible for the accuracy of the data and/or information and/or statements provided and releases the Bank from any claims, lawsuits, damages, and/or other legal actions in any form and from any party in connection with the provision of such data and/or information and/or statements.
The customer declares willingness to be visited and/or contacted by the Bank, from Monday to Saturday, from 08:00 to 18:00 WIB, through the customer's personal communication channels, including but not limited to telephone, email, or other communication media registered in the Bank's system, to convey information (services and/or products), verify the accuracy of the customer's data and/or documents.
The customer has read, understood, and agreed to all Terms and Conditions, including but not limited to the benefits, consequences, risks, costs, fines, penalties, and characteristics of the products.
The customer is a citizen of the Republic of Indonesia (WNI) and is only a taxpayer in the Republic of Indonesia and does not meet the criteria of FATCA & CRS, as follows:
6.1 Holds U.S. citizenship;
6.2 Holds a permanent resident card of the United States (green card); and/or
6.3 Has tax reporting obligations to the U.S. government and/or other countries.
The Bank Saqu application from Bank Jasa Jakarta is a digital application designed and available for customers to enjoy all banking products and services provided by the bank, as well as perform all Financial and Non-Financial Transactions through the Bank Saqu application from Bank Jasa Jakarta, except for cash transactions. The customer agrees that the customer will use the Bank Saqu application from Bank Jasa Jakarta only for the purposes mentioned above and in accordance with these Terms and Conditions. The customer will use the Bank Saqu application from Bank Jasa Jakarta and any information available in accordance with applicable laws and regulations.
The customer understands and agrees that providing access to, but not limited to, storage media, camera, GPS (global positioning system), gallery, contacts, and the customer's devices is to enhance the customer's convenience and security in using the Bank Saqu application from Bank Jasa Jakarta.
The customer hereby declares and agrees that the customer's signature specimen is the signature as stated on the customer's e-KTP (electronic ID card) that is recorded (captured) and uploaded by the customer on the Bank Saqu application from Bank Jasa Jakarta's system or platform.
The customer and/or the Beneficial Owner are individuals entitled to and/or receive specific benefits related to the customer's Digital Account that has been opened and understood that the customer will not open a Digital Account for the benefit of others, trade, pledge, rent and/or transfer the Digital Account to others, and/or use the Digital Account for illegal purposes.
The customer and/or the Beneficial Owner hereby understand and declare that the customer is fully responsible for the consequences arising from the use of the Digital Account by parties other than the customer and/or the Beneficial Owner, as well as in ways that violate the provisions of XVI.9 above.
The customer declares that all records, printouts, recordings, communication tools, or other evidence in any form that exist in the Bank during the verification process of Transactions carried out by the customer are valid and binding evidence for the customer, unless proven otherwise. Data related to Transactions carried out by the customer will be stored by the Bank in accordance with applicable regulations.
The customer understands and agrees that the Bank has the right to disclose or inform customer data and/or information, including but not limited to name, account number, and/or customer Transaction data conducted through the Bank Saqu application from Bank Jasa Jakarta to partners and/or parent companies and/or shareholders and/or affiliated parties and/or Third Parties of the Bank, including other parties collaborating with the Bank for administrative purposes, promotional activities, or for other commercial purposes and/or related to the Bank's product and service offerings and/or the products and services of those parties, as long as the Bank has obtained the customer's approval.
The customer understands and agrees that the Bank has the right to disclose or inform customer data and/or information, including but not limited to name, account number, and/or customer Transaction data conducted through the Bank Saqu application from Bank Jasa Jakarta to government agencies and/or authorized authorities and/or law enforcement agencies, including but not limited to the Indonesian National Police and the Financial Transaction Reports and Analysis Centre (PPATK), and the Financial Services Authority (OJK), if the data and/or information is requested by these parties, as regulated by applicable laws and regulations.
The customer has received and fully understood the Bank's explanation regarding the purposes, consequences, and all risks of providing and/or disseminating the customer's personal data to third parties beyond what is regulated in these Terms and Conditions.
The customer hereby understands and states that the Bank is not responsible for the customer's Digital Account not being utilized by the customer, and any consequences arising from the non-use of the Digital Account by the customer are the customer's full responsibility.
The customer hereby declares that the Bank is released from any claims or lawsuits or demands or compensation in any form arising from the failure of the system and/or communication tools caused by factors beyond the Bank's control.
The customer declares that the instructions given by the customer to the Bank to carry out Transactions through services that require or use authentication and/or PIN codes are recognized as valid instructions and have the same legal force as written orders signed manually by the customer.
The customer hereby declares to have known and fully understood all the risks arising from Transactions carried out at locations specified by the Bank, or other transactions related to electronic banking transactions, and is fully responsible for all Transactions that have been carried out, including but not limited to the misuse of the Digital Account and/or banking facilities or services for any reason whatsoever.
The Bank has the right to verify the accuracy of data, information, statements, and/or documents provided by the customer regarding the Digital Account and has the right to request additional data needed by the Bank. The customer agrees that the Bank has the right not to execute customer instructions (including Transactions and/or making changes to data) if the customer does not provide the data, information, statements, and/or supporting documents requested by the Bank.
The customer agrees that the Bank may cooperate with authorized government agencies and/or cooperate with certified Electronic System Providers and Electronic Certification Providers (PSrE) affiliated with the Ministry of Communication and Information Technology of the Republic of Indonesia.
The customer authorizes the Bank to forward e-KTP data, selfie photos, mobile phone numbers, and email addresses of the customer as registration data to the PSrE to comply with the provisions of laws and regulations, including Government Regulation No. 71 of 2019 concerning Electronic Systems and Transactions and Regulation of the Minister of Communication and Information Technology No. 11 of 2022 concerning the Governance of Electronic Certification, as well as other relevant regulations and their amendments from time to time.
The Bank will verify the customer's identity for the purpose of opening a Digital Account through PSrE, including PT Privy Identitas Digital (Privy) as a Third Party of the Bank, where Privy will issue an Electronic Certificate that is checked for conformity of demographic and biometric data with the data recorded in the government institution's system authorized to issue such identity. If the customer's identity is verified to be in accordance, then Privy as the PSrE will issue an Electronic Certificate in accordance with applicable laws and regulations.
The customer has read, understood, and agreed to be bound by the Terms and Conditions of the PSrE service found in the Privacy Policy in the Bank Saqu application from Bank Jasa Jakarta.
The prospective customer declares agreement to register as a user of Privy or other PSrEs affiliated with the Bank to issue an Electronic Certificate for the purpose of opening a Digital Account.

XX. Communication Channels

If the customer has given consent, marketing notifications to the customer will be provided through email, SMS, push notification, or Electronic Media or other means available at the Bank in accordance with applicable laws and regulations.
For banking service notifications, the Bank will send push notifications and/or emails to the customer.
The customer agrees that discontinuing some or all notifications according to the customer's preferences set through the Bank Saqu application from Bank Jasa Jakarta or phone settings will stop some or all notifications from occurring, so the customer will not receive information sent by the Bank Saqu application from Bank Jasa Jakarta.

XXI. Handling of Complaints

In the event of questions, complaints, or grievances, the customer can submit these in writing and/or orally through the Bank Saqu Contact Center as mentioned in point XVIII.6 below.
The maximum resolution period for complaints or grievances in point 1 above is:
2.1 for oral complaints, 5 (five) working days from the date the complaint is filed, and if the Bank requires supporting documents for the complaint, the Bank may ask the customer to submit the complaint in writing.
2.2 for written complaints, a maximum of 10 (ten) working days from the date the complaint is filed; in accordance with applicable laws and regulations.
In the case of filing a written complaint or grievance, the customer must attach the customer's identity, type and date of Financial Transactions, the issues raised with copies of transaction evidence, and other supporting evidence (if any or as requested by the bank).
The Bank will process verification, validation, and examination or investigation of customer complaints or grievances in accordance with the provisions of prevailing laws and regulations.
The Bank cannot follow up on complaints or grievances if:
5.1 the customer's written complaints or the customer's representative is not accompanied by the required supporting documents requested by the Bank within the specified period, namely 10 (ten) working days since the Bank notified the customer of the documents to be completed;
5.2 previous complaints or grievances have been resolved by the Bank in accordance with the relevant laws and regulations on consumer complaint services;
5.3 the complaint or grievance is not related to material losses and/or potential material losses, is reasonable, and directly as stated in the agreement and/or financial transaction documents;
5.4 the complaint or grievance is not related to Financial Transactions issued by the Bank in accordance with the relevant laws and regulations on consumer complaint services.
5.5. Complaints related to financial transactions conducted by customers can be contested within a maximum period of 14 (fourteen) calendar days from the date of the customer's financial transaction in question.
Bank Saqu Contact Center
If the customer has questions or anything to convey regarding these Terms and Conditions, the customer can contact the Bank Saqu Contact Center as listed below:
6.1 via email: dibantu@banksaqu.co.id; or
6.2 via telephone: (021) 30003388 and 1500388.

XXII. Financial Statements (E-Statement)

The E-statement can be viewed and downloaded by the customer through the Bank Saqu application from Bank Jasa Jakarta.
Customers can download the E-statement in the first week of the following month. The E-statement available in the Bank Saqu application from Bank Jasa Jakarta is a compilation of the customer's transactions for a one-month period.
Customers can identify the E-statement period by checking the title displayed in each E-statement.
Customers can view detailed transactions within the E-statement, including transaction details for each banking product in the Digital Account owned by the customer.
The customer's personal information (name and address) in the Digital Account will also be used in the E-statement. Customers must ensure that the personal information on the E-statement matches the information in the Digital Account.
The bank is not responsible for any discrepancies in the customer's personal information, either as a result of invalid personal information or other circumstances not caused by intentional errors or gross negligence on the part of the bank.

XXIII. FATCA/CRS Statement

Customer Declaration
The customer declares that they control and are fully responsible for any transactions conducted in this Digital Account. The customer is the owner of the account and the funds stored in the Digital Account, and is entitled to all benefits arising from the ownership of this Digital Account.

FATCA and CRS
The Foreign Account Tax Compliance Act (FATCA) is a tax regulation issued by the United States government that requires banks to collect information related to specific customer taxes, perform identification, and classify bank customers for FATCA regulation enforcement. The Common Reporting Standard (CRS) is an automatic information exchange standard for tax purposes, including explanations prepared by the Organisation for Economic Cooperation and Development (OECD) in collaboration with the Group of Twenty (G20) member countries and agreed upon among nations (Automatic Exchange of Information/AEOI).

The customer states that they are not a citizen of the United States or a member country of the Group of Twenty (G20), not born in the United States or a member country of the Group of Twenty (G20), not a holder of a United States permanent resident card or a member country of the Group of Twenty (G20), do not have a telephone number in the United States or a member country of the Group of Twenty (G20), and do not have a residential or mailing address in the United States or a member country of the Group of Twenty (G20). Therefore, in connection with the provisions of the Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS), the customer hereby declares that they are not a citizen and/or resident of the United States or a member country of the Group of Twenty (G20) for tax purposes.

Furthermore, the customer states that if their status changes in the future and/or there are changes to the data or information provided to PT Bank Jasa Jakarta, and these changes result in a change in the customer's tax status, the customer must promptly submit the changed data or information to PT Bank Jasa Jakarta for FATCA purposes within 30 (thirty) calendar days and provide a Statement and Self-Declaration updated for CRS purposes to PT Bank Jasa Jakarta within 90 (ninety) calendar days from the date of such change or within another period specified by PT Bank Jasa Jakarta to the customer. The customer is willing to provide, complete, and sign the documents required by FATCA regulations or regulations set by the Financial Services Authority (OJK) related to CRS, and agrees to and authorizes PT Bank Jasa Jakarta to use all personal data, details of the Digital Account, transaction information, and information collected and stored by PT Bank Jasa Jakarta about the customer and the customer's Digital Account for reporting to the Internal Revenue Service (IRS) as required and in accordance with FATCA regulations or for reporting for CRS implementation to the OJK and tax authorities of the G20 member countries as required and in accordance with the provisions set by the OJK. The customer declares and guarantees that they have provided the bank with all documents or other information that may be required by PT Bank Jasa Jakarta to comply with FATCA and related to changes in tax status and must provide all required documents or other information within 7 (seven) calendar days from the date of the request by PT Bank Jasa Jakarta in writing or otherwise.

The customer knows and agrees that PT Bank Jasa Jakarta is not responsible to the customer for any loss, cost, compensation, expenses, and liability that the customer may incur as a result of the bank's efforts to comply with laws, regulations, orders, or agreements with tax authorities, as well as any losses related to the provision, completion, and signing of documents required by FATCA regulations in force or required by OJK regulations for CRS purposes. Thus, the customer will not make any legal claims (including claims for compensation) against PT Bank Jasa Jakarta. The customer agrees to authorize PT Bank Jasa Jakarta regarding the use of all data, information, and details obtained by PT Bank Jasa Jakarta about the customer and the customer's Digital Account for reporting to the IRS or for reporting for CRS implementation to the OJK and tax authorities of the G20 member countries. The customer states, guarantees, agrees, and declares to PT Bank Jasa Jakarta that since the date of this Statement:

All information provided in this statement is true, complete, and accurate in all respects, and the customer is fully responsible for any consequences that may arise if there is an error in the information caused by the customer's negligence.

When any of the above information is found to be untrue and inaccurate and/or when PT Bank Jasa Jakarta does not receive relevant supporting documentation, PT Bank Jasa Jakarta has the absolute right and discretion not to process the opening of the Digital Account or products from PT Bank Jasa Jakarta.

THIS AGREEMENT HAS BEEN ADJUSTED ACCORDING TO LEGAL REGULATIONS, INCLUDING THE PROVISIONS OF THE FINANCIAL SERVICES AUTHORITY

XXIV. Statement and Authorization

The customer hereby declares and warrants that every piece of data, information, and signature provided in the opening of the Digital Account or other documents related to the Digital Account is true and valid.
The customer declares that:
2.1 The bank has the right to verify the accuracy of the data provided by the customer and may request additional data needed by the bank. The customer agrees that the bank has the right to refuse transactions and/or make data changes if the customer does not submit the supporting documents requested by the bank.
2.2 The bank will perform identity verification for the purpose of account opening through PT Privy Identitas Digital (Privy) as a bank partner, by checking the alignment of demographic and/or biometric data with the data recorded in the government system authorized to issue such identities. If the customer's personal data is verified to be accurate, Privy, as an Electronic Certification Provider certified by the Ministry of Telecommunications and Information, will issue an electronic certificate as proof that the customer's personal data has been verified and corresponds to the data recorded in the authorized institution's system.
2.3 The bank has provided sufficient explanations regarding the characteristics of the bank's products to be utilized, and the customer has acknowledged and understood all the consequences of using the bank's products, including benefits, risks, and associated costs.
The customer agrees to allow the bank to provide and/or distribute the customer's personal data to and/or representatives and/or parent companies and/or shareholders and/or affiliated companies and/or relevant regulators and/or third parties who have collaborated with the bank for administrative purposes and the provision of bank products/services.
The customer guarantees the accuracy of the personal data provided and agrees to the processing of this personal data for the purpose of issuing an electronic certificate and other banking services associated with the electronic certificate carried out by Privy as a bank partner.
The customer has read, understood, and agrees to be bound by the terms and conditions of the Electronic Certificate Provider services available at: Privacy Policy and Terms and Conditions of Privy.
Notwithstanding the above provisions, the customer hereby authorizes the bank to disclose information related to the customer, including but not limited to information about the amount of money or specific matters related to the customer's Digital Account, to the Controlling Shareholder/Last Controlling Shareholder, subsidiaries, and affiliates of the bank.
The customer hereby agrees to receive offers for bank products/services through personal communication channels, such as email and other media. If the customer does not agree, they can adjust these preferences through the Bank Saqu Application from Bank Jasa Jakarta.
The customer is obligated to immediately notify the bank in writing of any changes to the name, address, phone number, Tax ID (NPWP), and/or taxpayer identification number issued by the jurisdiction and tax domicile of the customer, signature, and any other deviations/differences from the data/information previously provided by the customer to the bank regarding the customer's account. Failure by the customer to notify the bank of such changes is entirely the customer's responsibility.
The customer declares that the instructions given to the bank to conduct electronic banking transactions through services that require the use of access codes and/or PIN codes are recognized as valid instructions and have the same legal force as written orders signed by the customer.
All powers given by the customer in these Terms and Conditions are given with substitution rights and as long as the customer's obligations to the bank are not fully fulfilled, these powers cannot be revoked or terminated for any reason, including but not limited to the reasons mentioned in Article 1813 of the Civil Code, and these powers are an integral part of these Terms and Conditions.
The customer has the right at any time to withdraw their consent. In the event of the customer's withdrawal of consent, depending on the nature of the customer's request, especially regarding the sharing of Personal Data with third parties deemed useful by the bank to support the bank's operational activities, the bank may not be in a position to continue providing its products and services to the customer. Withdrawal of consent may be considered as the termination of any contract or agreement by the customer, resulting in a breach and/or incurring an obligation.
The customer can submit a written request to exercise their rights to withdraw consent to the bank through the Bank Saqu Contact Center.

XXV. Emergency Situations

In any event, the Bank is not liable for any occurrences or reasons beyond its control, capability, or authority, including but not limited to natural disasters, war, riots, fires, malfunctioning electronic equipment or infrastructure systems, transmission disruptions, power outages, telecommunication disruptions, clearing system failures, widespread and impactful banking system disruptions, government or authorized agency actions or regulations, or other unforeseen circumstances.
The Bank shall not be held responsible for actions taken to comply with economic sanctions or government regulations, whether in the form of laws or regulations or requests or decisions from the government, regulators, or similar authorities, or agreements made between the Bank and government authorities or between two or more government authorities, both domestic and foreign. In such cases, the Bank, branch offices, subsidiaries, or other affiliates of the Bank shall not be liable.

XXVI. Applicable Law & Jurisdiction

The validity, interpretation, and implementation of these Terms and Conditions are governed by and subject to the laws of the Republic of Indonesia.
Transactions carried out by the Bank at the request of the Customer are subject to the laws of the Republic of Indonesia and the regulations applicable at the Bank.
In the event of a dispute between the Customer and the Bank regarding the interpretation and implementation of their respective rights and obligations based on these Terms and Conditions, or regarding matters not sufficiently regulated in these Terms and Conditions, the Customer and the Bank agree to settle it amicably.
Any dispute or difference of opinion that cannot be resolved amicably by the Customer and the Bank may be settled through the consumer and community service facilities at Bank Indonesia or OJK or through mediation conducted by Alternative Dispute Resolution Institutions listed by OJK.
If there arises an issue that cannot be resolved through amicable means or through consumer and community service facilities, and/or mediation as mentioned in section XXI.4 above related to these Terms and Conditions and all consequences thereof, the Customer and the Bank agree to settle it according to applicable legal provisions and choose a legal domicile at the Registry Office of the West Jakarta District Court, without prejudice to the Bank's right to file a lawsuit or legal claims against the Customer in any court anywhere in Indonesia in accordance with prevailing regulations.

XXVII. Limitation of Liability

The overall responsibility of the Bank towards the Customer or anyone, whether in contract, tort, negligence, or otherwise, arising in any way, whether in connection with the Terms and Conditions, access, and use of the Application along with its content and functions by the Customer, or for any reason related to the operation of the Application, is limited to the direct losses actually suffered by the Customer. In any event, the Bank is not responsible for loss of profit (anticipated or actual), business loss, reputation loss, data loss, loss of goodwill, any business interruption, or direct or indirect, special, incidental, consequential, punitive, tortious, or other losses, regardless of the cause, whether or not the possibility of such damage has been notified to it.

XXVIII. Indemnification

The Customer agrees to indemnify and hold harmless the Bank and its directors, shareholders, officers, employees, and agents from any claims, losses, damages, or costs arising from (i) the Customer's use of the Application and its content, (ii) the Customer's breach of these Terms and Conditions, and/or (iii) the Customer's actions or omissions in connection with the Application and its use, including but not limited to the misuse of the Password.

XXIX. Intellectual Property

The Customer agrees and understands that:

The content of the Application, including but not limited to information, logos, designs, databases, database arrangements, user interfaces, response formats, software, audio, images, and icons, is the property of the Bank or its licensors. All intellectual property within and on the Application, including its content and functions, is fully owned by the Bank or its licensors.
Apart from the limited right to access and use the Application in accordance with these Terms and Conditions on a non-exclusive and non-transferable basis, no other rights are granted to the Customer in the
Application or any content and functions.
To the extent necessary, the Customer grants the Bank a non-exclusive, royalty-free, worldwide, transferable, sublicensable right to store, display, demonstrate, publicly display, use, reproduce, create, and distribute the content, emails, uploads, materials, trademarks, trade names, and any intellectual property of the Customer that the Customer has provided to the Bank and/or on the Application.
Any content uploaded by the Customer may be displayed and reproduced by the Bank in any manner deemed appropriate by the Bank.

XXX. Miscellaneous

The Bank and all directors and commissioners (executives), shareholders, employees, or agents are not responsible and have no liability in any form for any losses, costs, or damages experienced by the Customer as a result of fraud, misuse, or forgery of the Customer's approval in cases where the Bank has performed the necessary authentication to verify that the approval in the instruction given to the Bank is from the Customer.
The Bank also has no responsibility and no liability in any form for any loss, cost, or damage experienced or arising from the Customer due to the failure or damage of transmission or communication or computer facilities provided by the Bank (unless such failure or damage is caused by the error or negligence of the employees and/or executives of the Bank), postal services, strikes, or similar industrial actions, or failures caused by other parties, firms, or any company to fulfill their obligations, government orders, laws, levies, taxes, embargoes, moratoriums, or trade restrictions that may affect the Digital Account or other actions, delays in acting in relation to the Digital Account.
Information regarding instructions for using the Application can be obtained by prospective Customers and Customers in the Application usage guide or other Electronic Media containing the Application usage instructions established by the Bank. Prospective Customers and Customers can access this guide on the Bank's website (https://banksaqu.co.id/id-ID/about).
These Terms and Conditions are subject to the law and have been adjusted to the prevailing regulations in the territory of the Republic of Indonesia, including the regulations of the OJK, Bank Indonesia, and LPS. In the event that there are provisions of regulations that require the Bank and/or the Customer to make adjustments or take certain actions related to Transactions, such provisions are deemed to be included in these Terms and Conditions and automatically apply to transactions that must be carried out by the Bank and/or the Customer.