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PT Skorcard Teknologi Indonesia (hereinafter referred to as "Skorcard," "Company," "We") is a company that provides users ("Users," "You") with easy and secure access to credit card facilities, as well as the ability to manage transactions and credit card administration through the Skorcard Platform ("Services").
This Privacy Policy represents our commitment to ensuring the security of every data collection, processing, and disclosure while guaranteeing and supervising the processing of your personal data in relation to the provision of our Services.
This Privacy Policy aims to provide information about your rights when accessing and/or using the Skorcard Platform based on applicable laws and regulations, including Law No. 27 of 2022 concerning Personal Data Protection ("PDP Law"). Additionally, this Privacy Policy regulates the terms of data usage related to the provision of our Services, as specified in the Terms of Use.
Unless otherwise stated, all capitalized terms not defined in this Privacy Policy have the same meanings as set forth in the Terms of Use.
ROLE OF SKORCARD
We, Skorcard, a company based in South Jakarta, act as the controller of your personal data regarding the account creation process on the Skorcard Platform and as the processor of personal data related to the issuance and creation of credit cards by banking institutions in cooperation with Skorcard.COLLECTION OF PERSONAL DATA
What do we collect?
The personal data we obtain from you may include, but is not limited to, the following:PERSONAL DATA YOU PROVIDE TO US
To enable the Skorcard Platform to provide Services to Users, we may collect and process the following personal data during registration and your interactions with the Skorcard Platform:- Basic User Data: Includes but is not limited to name, place and date of birth, ID card address and/or domicile address, gender, marital status, religion, occupation (including company name, workplace address, and office phone number), salary amount, National Identity Number (NIK), Taxpayer Identification Number (NPWP), mother’s maiden name, spouse’s name, biometrics, ID card photo, and nationality.
- User Contact Information: Includes but is not limited to address, phone/mobile number, and email address.
- Contact List: Skorcard collects your contact list, including names and phone numbers, to allow you to provide emergency contact details. This permission is optional, and you may manually enter emergency contact details on the Skorcard Platform.
- Financial Data: Includes but is not limited to income data, financial goals, card information, credit history, and other financial details listed in credit reports.
- Transaction Data: Includes purchases or orders made, interests, preferences, feedback, and survey responses related to your use of the services, details on collections and/or deliveries, and the type of service received at the time.
- Payment Data: Includes payment or transfer details made by Users on the Skorcard Platform, such as payment usage details, recipient details (including their account information), payment methods used, payment amounts, billing details, and invoice details.
- Third-Party Information: We may collect personal data from third parties (including agents, vendors, partners, institutions, and government agencies that provide services to us, collect personal data on our behalf, or cooperate with us) to support our product and Service provision.
- Camera Access: Used for User identification and verification processes.
- Microphone Access: Used for User verification within our system.
- Gmail Access: We may require you to link your Gmail account to your Skorcard account. Skorcard’s access to Gmail APIs is authorized through Google’s access mechanism and complies with Google API Services User Data Policy, including Limited Use requirements, specifically for Service provision and monitoring for User benefit.
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Advertising ID Collection
We collect and use Advertising Identifiers (Ad IDs) such as the Google Advertising ID (GAID) on Android devices and the Apple Identifier for Advertisers (IDFA) on iOS devices. These identifiers are used for:
- Delivering personalized advertisements and marketing content.
- Measuring ad performance, effectiveness, and user engagement.
- Preventing fraudulent activities and ensuring security.
- Analyzing and improving our services through attribution tracking.
AUTOMATICALLY COLLECTED DATA WHEN USING OUR SERVICES
When you access the Skorcard Platform or use our Services, we may automatically collect the following information about you:- Your device’s Internet Protocol (IP) address, log information, error messages, computer or mobile device operating system, browser type, mobile protocol type, device characteristics, device brand, unique device identifier, and/or mobile equipment identifier;
- Your usage of the Skorcard Platform, such as pages viewed, features used, and location information;
- Cookies, pixel tags, and similar technologies that create and maintain unique identifiers.
