Terms and Conditions

Terms and Conditions for International Fund Transfer Transactions

Welcome to the Easylink Platform (“Platform”), thank you for using and accessing the Easylink Services. Terms and conditions of use of the Platform listed on this page The Terms and Conditions ("T&C") govern the User's access to the Platform and the use of all features therein developed by PT Sahabat Kirim Digital (“Easylink”).

By using the service ("Service"), the User is deemed to have read, understood, and agreed to be bound by these Terms and Conditions, which govern the use of the Service and applies as one of the binding legal terms between Easylink as the owner of the Platform and the User. The User declares to be fully subject to the applicable Terms and Conditions without any objection.

The User (referring to individuals and corporations,) conducts transactions related to international fund transfers with PT Sahabat Kirim Digital (“Easylink”) after agreeing to the contents of these International Fund Transfer Transaction Terms and Conditions set forth by Easylink, and the Terms and Conditions constitute a binding contract between the User and Easylink.

PLEASE READ AND STUDY THESE TERMS AND CONDITIONS OF SERVICE CAREFULLY. USERS MUST UNDERSTAND, ACCEPT, AND AGREE TO ALL THE TERMS AND CONDITIONS OF THIS SERVICE BEFORE USING THE EASYLINK PLATFORM.

GENERAL TERMS

1. Introduction

a. In these Terms and Conditions, "User" refers to individuals, whether Indonesian citizens, foreigners, or legal entities who have registered on the Easylink Platform and paid for certain services that may be provided by the Easylink Platform.

b. In these Terms and Conditions, "Easylink Services" refers to all services, software, and Platforms provided by Easylink to provide payment channel facilities to the User.

c. By accessing and using the services of the Easylink Platform, the User knowingly and without coercion from any party declares to agree to be bound by and accept all the terms and conditions listed in these Terms and Conditions.

2. Legal Provisions

b. In these Terms and Conditions, "Easylink Services" refers to all services, software, and Platforms provided by Easylink to provide payment channel facilities to the User.

3. Purpose

The purpose of these Terms and Conditions is to establish rights and obligations between Easylink and Users who wish to use the Services provided by Easylink, and to establish the conditions of use of the Services.

4. User Registration and Verification

a. When registering, the User is required to complete personal and/or business information in accordance with the provisions on the Easylink Platform.

b. Users must ensure that all Personal Data submitted to Easylink is lawfully obtained, processed on lawful legal grounds, and disclosed to the relevant individual in accordance with applicable law and Easylink's Privacy Policy.

c. Easylink and/or other parties appointed by Easylink will verify the information provided by the User. In the verification process, the User grants Easylink full authority to conduct a background check on information about the User directly or through a third party.

d. The User will not make any claims against the final results of verification carried out by Easylink or third parties.

e. If the User successfully passes the verification process carried out by Easylink, the User will receive an account and password to make transactions on the Easylink Platform. The User is solely responsible for maintaining the confidentiality and security of the account and password.

f. In order to gain full access to the Easylink Services, Easylink requires the User to upgrade the account by providing additional information in accordance with the conditions set by Easylink.

5. Definition

In these Terms and Conditions, the following terms have the meanings as set forth below:

a. "Service" means a service provided by Easylink to send User funds both internationally and domestically.

b. "User" means a User who has been authorized by Easylink to use the Service in accordance with the procedures determined by Easylink.

c. "Correspondent" merupakan mitra Easylink dan/atau mitra bisnisnya yang berlokasi di luar negeri yang memproses transfer dana.

d. "Internet Fund Transfer" means an international fund transfer using the Easylink website.

e. "Login Password" is a code used to log in to the use of the Service via the Mobile Application or the Internet, which is created by changing the temporary login password received from Easylink.

f. "Transaction Password" is a code used when making transactions using the Easylink Service.

g. "Working Day" is Monday to Friday, except for national holidays in the Republic of Indonesia.

h. "Force Majeure"Force Majeure)” means an event beyond Easylink's reasonable control including but not limited to natural disasters, system disruptions, government policies, war, riots, telecommunications network disruptions, or third-party failures.

i. "Transaction Instructions" are orders given by the User through the Easylink system to transfer funds.

6. Use of the Service

a. In using the Service, the User must first complete the registration procedure in accordance with the terms of Easylink. The User will be deemed to have agreed to these Terms and Conditions.

b. In principle, the User may, in accordance with these Terms and Conditions, use the Service 24 (twenty-four) hours a day, every day throughout the year by downloading and using the Easylink Application.

c. Notwithstanding the foregoing provisions, Easylink may suspend and/or terminate the provision of either part or all of the Services for the purposes of system maintenance etc necessary for the better provision of the Services.

d. If Easylink temporarily discontinues the Services, Easylink will provide notice to the User in advance; however, provided that, if it is deemed that there is an urgent need by Easylink due to system failure etc., Easylink may suspend and/or terminate part or all of such system without prior notice.

7. Registration

a. Registration Procedure

i. When applying for the use of the Service, the User is required to complete the form provided by Easylink. The User is solely responsible for the correctness of the data provided in the form and releases Easylink from any future lawsuits resulting from data errors provided, whether intentional or not.

ii. Easylink will carry out the know-your-customer process (hereinafter referred to as “KYC”) in accordance with the provisions of the applicable legislation. Easylink may appoint a third party to carry out the KYC procedure.

iii. In the event that the User's account is used by another party, the User is obliged to attach a power of attorney to the party appointed to make the transaction. Easylink is not responsible for any transactions made by parties who do not have a power of attorney. Easylink is not responsible for any transactions carried out by unauthorized parties.

1) In the event that the User does not pass the KYC procedure, Easylink has the right to thwart the User's registration process which will cause the User to be unable to use the Service. Easylink's decision is made based on internal considerations and the provisions of applicable laws and regulations, while still paying attention to the User's rights in accordance with applicable law.

2) Users are not allowed to:

i. provide false information;

ii. Use the user's email with the intent to impersonate the person;

iii. Use another user's email without the authority or permission of the owner of that email; and

iv. Using or connecting financial instruments belonging to other parties other than the User into the Easylink Application.

3) Easylink has the right to request additional documents at any time, conduct enhanced due diligenceenhanced due diligenceand conduct continuous monitoring of the User in order to comply with the provisions of applicable laws and regulations.

Easylink has the right to suspend or terminate a User's account if inaccurate information is found. The decision to suspend and/or terminate an account is at the discretion of Easylink and is final and cannot be challenged.

b. Account Upgrade

The User will be required to upgrade the account by completing other additional information to be able to use the features of the Service to the fullest. If the User decides not to upgrade the account, then the User will not be able to enjoy the Service from Easylink to the fullest.

c. Data Changes

If there is a change in the User's data, the User is required to update the data on the dashboard provided in accordance with the provisions of Easylink.

Easylink will freeze the User's account during the KYC process period on the User's latest data.

8. Prohibited Activities and Anti-Money Laundering and Terrorism Financing Prevention Provisions

a. Easylink is an institution that implements the anti-money laundering and countering the financing of terrorism provisions ("AML-PPT"). In providing the Service, Easylink may take all actions justified by law to implement the provisions of AML-PPT. By agreeing to these Terms and Conditions, the User gives his/her consent to Easylink to do things related to the enforcement of AML-PPT.

b. The User hereby represents and warrants that by cooperating as set forth in these terms, the User will comply with all the provisions in:

- Law No. 8 of 2010 concerning the Prevention and Eradication of Money Laundering Crimes;
- Law No. 9 of 2013 concerning the Prevention and Eradication of Terrorism Financing Crimes; and
- Bank Indonesia Regulation No. 19/10/PBI/2017 concerning the Implementation of Anti-Money Laundering and Prevention of Terrorism Financing for Non-Bank Payment System Providers and Non-Bank Foreign Exchange Business Providers and all amendments thereto from time to time ("AML/CFT")..
- Bank Indonesia Regulation No. 10 of 2024 concerning the Implementation of Anti-Money Laundering, Counter-Terrorism Financing, and Prevention of Financing the Proliferation of Weapons of Mass Destruction for Parties Regulated and Supervised by Bank Indonesia.

c. If there is a suspicion that the User is in violation of the terms of AML/CFT, then Easylink reserves the right to immediately terminate the Easylink Service and the User will indemnify Easylink from claims related to AML/CFT violations.

d. The User hereby agrees that the User will not do any of the following when using or accessing the Service.

e. Attempt to access or search the Service or download content from the Service through the use of any machine, software, tool, agent, device or mechanism (including but not limited to robots, crawlers, data mining tools or the like) other than the software and/or agents provided by Easylink or generally available on web browsers.

f. Access, modify, interfere with or use non-public areas of the Services, our computer systems, or the technical delivery systems of our providers, including but not limited to uploading or spreading viruses, adware, spyware, worms, or other malicious code.

g. Collect and use information, such as other usernames, real names, email addresses on the Services and used to send unauthorized advertisements, junk mail, spam or other unwanted forms.

h. Use the Services for commercial purposes or for the benefit of third parties or in a manner contrary to the Terms and Conditions.

i. Violate any applicable law or regulation; or

j. Encourage or enable other individuals to do the above; or interfere with the convenience of other users in using the Services, including without limitation by:

- make unsolicited offers or advertisements to other users of the Services or
- attempt to collect personal information about other Users or third parties without their consent. Easylink reserves the right to investigate and bring to court violations of any of the above and/or engage and cooperate with law enforcement authorities in prosecuting Users who violate the Terms and Conditions.

k. Easylink reserves the right to refuse, delay, cancel transactions, freeze accounts, and report to the competent authorities if there are indications of suspicious activity or violations of the law.

9. Fund Transfer Limit Limit

In sending funds, Easylink will apply the maximum limit policy for foreign exchange remittances in accordance with applicable rules. Easylink also reserves the right to set daily, monthly, or per-transaction transaction limits and make changes at any time in accordance with internal policies and applicable regulatory regulations.

10. Changes to the Terms and Conditions

Easylink reserves the right to change the Terms and Conditions at any time. Please check the Terms and Conditions periodically to find out if there are any changes. In the event of changes to the Terms and Conditions that affect the User's rights and obligations, Easylink will endeavour to provide notification regarding such changes to the User.

Easylink may provide notice through pop-up messages or pop-up messages or banners within the Service, by sending an email to the address used by the User to register an Account, or through other similar mechanisms. Easylink reserves the right to change the Terms and Conditions at any time. Please check the Terms and Conditions periodically to find out if there are any changes. In the event of changes to the Terms and Conditions that affect the User's rights and obligations, Easylink will endeavour to provide notification regarding such changes to the User.

Easylink may provide notifications through pop-up messages or banners within the Service, by sending an email to the address that the User uses to register an Account, or through other similar mechanisms.

11. Ownership

12. Disclaimer

The User understands and agrees to the services that (including but not limited to the content or materials offered through the service) are made available to the User on an "as is" basis and on an "as available" basis. Without limiting the foregoing, Easylink expressly disclaims all warranties, whether express, implied or otherwise, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and warranties arising out of relating to or use of trades.

Easylink makes no warranty that the services (including but not limited to the content or materials offered through the service) will meet the needs of users or be available in uninterrupted or safe conditions from errors or harmful components.

The User is responsible for the risk for all damages that may occur as a result of the use of or access to the Service (including but not limited to the content or materials offered through the Service) and the User's transactions with other users of the Service.

To the extent possible and not to the exclusion of applicable law, Easylink is not liable for losses arising from incorrect input by the User, failure of third-party systems including correspondent banks, delays in the international banking system, or actions of third parties beyond Easylink's control.

13. Limitation of Liability

Easylink's liability is limited to the actual value of the damages caused directly by Easylink. Easylink shall not be liable to the user for any indirect, incidental, special, punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible damages, resulting from (I) the user's access to the use of or inability to access or use the services (including but not limited to the limitation of the content obtained from the services); (II) any actions or content of any third-party services; or (III) unauthorized access, use or alteration of transmissions or content.

Easylink's total liability under no circumstances shall exceed the value of the disputed transaction. This limitation of liability shall not apply in the event of intentional or gross negligence on the part of Easylink.

14. Legal Claims

In the event of a lawsuit against Easylink due to the interruption or misuse of the User's account, then the User shall indemnify Easylink, its suppliers, agents, directors, officers, employees, representatives, successors, and assigns from any claims, damages, liabilities, all costs, and expenses that may arise from such interruption or misuse, including but not limited to:

a. Use of the Easylink Platform by the User or anyone using the User's account.

b. Violation of the Terms and Conditions by the User or anyone using the User's account;

c. Infringement of the intellectual property rights of third parties;

d. Violation of privacy or publicity rights, defamation, or cause loss or damage to third parties;

e. Violation of any form of service license agreement for the Easylink Platform by the User or anyone using the User's account;

f. misinterpretation or breach of any representations or warranties made by the User listed in the Terms and Conditions, and;

g. Breach of an agreement or agreement to be executed by the User.

h. The User is solely responsible for any claims that may arise and hereby releases Easylink from third-party claims.

15. Dispute Resolution and Arbitration

The User and Easylink agree that any and all disputes arising in connection with the Terms and Conditions shall be resolved through arbitration. Arbitration uses a neutral arbitrator and not a judge or jury, allowing for the use of more limited discovery than in court.

In most cases, the arbitrator can award the same damages as a court. The agreement between Easylink and Customers for arbitration of disputes includes, but is not limited to, all claims arising from or relating to any aspect of the Terms and Conditions, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether the claim arises during or after the Terms and Conditions have terminated.

Any resolution between the User and Easylink shall be governed by the Indonesian National Arbitration Board (“BANI”) which is recognized as valid by the judicial institutions in Indonesia with reference to the rules applicable in BANI. Each arbitration hearing shall take place in Jakarta, and the decision by the arbitrator, including the decision on damages, arbitration fees, and legal fees of all parties and other costs, shall be final and binding.

16. Account Security

The User is solely responsible for the confidentiality of the account including the password and transaction code. Any transaction made through the User's account is considered valid as long as valid credentials are used.

The user is fully responsible for all activities in the account, including if it occurs as a result of providing account information to other parties, whether intentional or not, including due to phishing, social engineeringor other negligence(EXAMPLE CASE: MY ACCOUNT WAS HACKED)..

17. Transactions

a. Confirmed transaction instructions are final and cannot be cancelled unless otherwise specified by Easylink.

b. The User understands that the transaction involves a third party including the correspondent bank and the local authority, so Easylink is not responsible for delays, refusals, deductions of fees or other actions taken by such parties. (EXAMPLE CASE: MONEY STUCK IN LN)..

c. Easylink reserves the right to freeze accounts, suspend transactions, or withhold funds if required by laws and regulations or at the request of authorized authorities. (EXAMPLE CASE: REGULATOR TELLS TO FREEZE ACCOUNT).

d. In the event of a system error, Easylink reserves the right to make corrections, cancellations, or adjustments to the transaction. (EXAMPLE CASES: SYSTEM ERROR, DOUBLE TRANSFER)

e. The User agrees to indemnify and indemnify Easylink from any claims, demands, losses, or costs arising from the use of the Service by the User that violates the law or these Terms and Conditions. (CONTOH KASUS: USER MENGGUNAKAN UNTUK AKTIFITAS ILEGAL).

f. The User understands that the exchange rate may include margin and may differ from the market exchange rate, and that the difference is not a claimable loss. (EXAMPLE CASE: EXCHANGE RATE DIFFERENCE)

18. Fees and Exchange Rates

The exchange rate used by Easylink may include commercial margin and does not constitute a loss.

19. Force Majeure

Easylink shall not be liable to the User and the User in any form for failure or delay in carrying out its obligations under the provisions arising from events or circumstances beyond Easylink's reasonable control.

20. User's Personal Data

Regarding the rights and responsibilities for the collection, storage, and use of the User's personal data carried out within the scope of the Easylink Service, is governed by the Privacy Policy. The rights and responsibilities related to the collection, storage, use, and processing of the User's Personal Data within the scope of the Easylink Service will be further regulated by the Easylink Privacy Policy.

Easylink will store and process the User's Personal Data for as long as necessary to fulfill the processing purposes that have been set and communicated to the User, as well as for additional periods required by applicable laws, regulations, and/or regulatory requirements.

Once the purpose of the processing has been met, the applicable retention period has expired, or a request for erasure has been submitted by the Personal Data Subject, Easylink will delete and/or destroy the Personal Data in accordance with applicable laws and regulations, provided that there is no legal obligation requiring Easylink to retain such data.

21. Rights of Personal Data Subjects

The User and/or the relevant Personal Data Subject has the right to access, correct, update, withdraw consent, request the cessation of processing, and request the deletion or destruction of their Personal Data in accordance with applicable laws and regulations.

Such requests may be submitted through Easylink's official communication channels as specified in Easylink's Privacy Policy. Easylink will verify and process such requests in accordance with applicable laws and regulations, subject to mandatory data retention requirements imposed by the relevant regulatory authorities.

22. Applicable Law and Dispute Resolution

a. These Terms and Conditions are made in accordance with the laws of the Republic of Indonesia and therefore the parties mentioned in these Terms and Conditions are subject to the applicable laws of the Republic of Indonesia.

b. Every activity related to the use of the Easylink Platform; both the provider and the User, is legally protected through the Law of the Republic of Indonesia No. 11 of 2008 concerning Information and Technology which has been amended through the Law of the Republic of Indonesia No. 19 of 2016, and the Law of the Republic of Indonesia No. 19 of 2002 concerning Copyright.

c. If there is a difference of opinion and/or interpretation or dispute between Easylink and the User, then the parties agree to always seek a solution through discussion with good intentions to reach a consensus.

d. If Easylink and the User are unable to resolve the dispute through peaceful discussion as mentioned in the previous paragraph, then the parties agree to resolve the dispute through the Indonesian National Arbitration Board.

e. The Terms and Conditions of this service are made in Indonesian and English. If there is any discrepancy between the Indonesian version and the English version, the Indonesian version shall prevail.

23. Common Issues

a. The User accepts these Terms and Conditions as well as any additions, changes, or updates. The User understands and is aware that Easylink may amend the Terms and Conditions by first notifying the User at least 7 (seven) business days in advance.

b. Easylink may update the features or the Software Platform at any time by first notifying the User at least 7 (seven) business days in advance.

c. Any Services, rights and responsibilities between the User and Easylink shall specifically refer to the agreement between the User and Easylink.

24. Questions and Contact Information

This service is provided by PT Sahabat Kirim Digital, located at Scientia Business Park, Tower 2 Lantai 2, Tangerang, Banten. Users may contact Easylink if Users have any questions about these Terms and Conditions. Users may contact Easylink by sending correspondence to the address mentioned above or by sending an email to customer.support@easylink.id.