Terms and Conditions

Welcome to the digital platform to facilitate transactions or known as a partnership-based market-place called “apmikimmdopay” (Application) developed by the National Cooperative APMIKIMMDO Bersatu SUPPORT BY: PT. Rumah Usaha Indonesia (“we” or “Company”).
By accessing and/or using the application. You understand and agree to be subject to these terms and conditions. Please read these terms and conditions carefully and in their entirety.
1. Definitions
The terms used in these terms and conditions have the following meanings
1.1. Account means any account in the name of a Partner registered on the Application.
1.2. You or Partner means any person or business entity that accesses and uses and has registered on the Application.
1.3. Partner Deposit means an amount of down payment from the user to the Company, which is then used for purchases/payments/transactions contained or all products available on the “apmikimmdopay” application. Partner Deposit on the Application is a minimum of IDR 50,000
1.4. Privacy Policy means the agreement between the Company and the Partner regarding the privacy policy in connection with the Application.
1.5. The Parties mean the Company and the Partner collectively and the Party means each of the Company or Partner.
2. Provisions related to the “apmikimmdopay” Partner
2.1. By registering on the Application, the Partner agrees to become a partner of the Company in connection with purchases and payments provided through the “apmikimmdopay” Application
2.2. The Partner may also offer other third parties to register as Partners on the Application.
2.3. The legal relationship between the Company and the Partner is a partnership cooperation relationship as subject to the Indonesian Civil Code, and in any case does not constitute an employment relationship as referred to in the laws and regulations in the field of employment.
2.4. “apmikimmdopay” only serves transactions by MSME Partners and does not serve H2H or Server transactions.
2.5. Any transaction by a Partner that is detected by another Server or suspicious ID Account, the Partner ID will be blocked and the Balance will be Forfeited.
3. Features on the Application
The following are features on the Application that can be enjoyed by Partners
3.1. Top-up or addition of Partner Deposits;
3.2. Payment of shopping transactions or purchases of goods and/or services available on the Application, including but not limited to credit or internet data packages;
3.3 Payment of digital product purchase transactions through balance deposits from the Pulsa Center Application is a product provided by Pulsa Center, including but not limited to credit or internet data packages
3.4. Other features that are added by the Company from time to time in the Application.
3.5. The currency of the Partner Deposit is Indonesian Rupiah or Indonesian currency determined by Bank Indonesia.
3.6. The Partner Deposit on the Application is a minimum of IDR 50,000
3.7. Top-ups or additions to Partner Deposits can be made through the methods provided in the Application, including through transfers to bank accounts, virtual accounts, qriss specified in the Application, including through Automated Teller Machines (ATMs) or internet banking or SMS banking facilities at available banks, or retail outlets such as Alfamart and Indomaret
3.8. You guarantee that the source of funds for the addition (top-up) of Partner Deposits comes from sources that are in accordance with and do not violate applicable laws and regulations, including but not limited to laws and regulations regarding anti-money laundering and prevention of terrorism financing.
3.9. You hereby grant Us the power and authority to receive, control and hold Partner Deposits, and to disburse funds from Partner Deposits in accordance with the instructions We receive from You. The granting of power in this case is essential and in any case cannot be withdrawn, revoked or will not end in any case. You can view transaction records relating to your Partner Deposit as provided from time to time by the Company through the Application.
3.10. Partners acknowledge and agree to be charged certain fees in connection with the Application and/or features in the Application as determined from time to time by the Company and stated in the Application, including administrative fees related to top-ups or additions to Partner Deposits, payment for shopping transactions or purchases of goods, and/or payment of bills.
4. Terms of use of the Application
4.1. You access or use the Application after you have completed the registration process on the Application subject to the terms and conditions as determined by the Company from time to time, and have an Account.
4.2. You are fully responsible for all activities that occur on your Account.

4.3. In the event that it is required by applicable law, We have the right to from time to time ask you to fill in and/or provide certain information, data and/or other documents as required, including electronically, to Us.

4.4. At Our sole discretion, We have the right to from time to time conduct checks on You, including but not limited to requesting You to show proof of identity or other documents that We or based on applicable laws and regulations require (including laws and regulations regarding anti-money laundering and prevention of terrorism financing), and You understand and agree that We have the right to stop or deny access to or use of the Application in the event that You refuse to provide proof of identity or other documents.

4.5. You are required to delete all data and/or information from all electronic or mobile devices or Your mobile phone if You receive or obtain data and/or information that is not related to the Application or that is not intended for You.

4.6. Except as expressly permitted under these Terms and Conditions, you are prohibited from doing anything that is unlawful or without authority and/or inconsistent with the purpose of owning an Account and/or using the Application, including but not limited to:

4.6.1. committing a violation of the law or violation of other third party rights;

4.6.2. conducting activities or transactions that are contrary to or inconsistent with applicable laws and regulations, including those containing pornographic and/or ethnic, religious, racial, and inter-group (SARA) content and certain prohibited goods and/or services;

4.5.3. sending or storing content or material that is inappropriate or immoral, contains threats, or violates the law or the rights of other parties, including those that are not suitable for children or violate the protection of other parties’ personal data;

4.6.4. uploading, distributing, disseminating, or reproducing material protected by copyright, trademark, or other intellectual property rights in any form without first obtaining the owner’s consent;

4.6.5. remove any copyright, trademark or other intellectual property rights notices or markings on the Application;

4.6.6. access or attempt to gain unauthorized access to the Application, or any system or network or server associated with it;

4.6.7. in any way without rights or unlawfully change, add, reduce, transmit, damage, remove, move, transfer, and/or hide any electronic information and/or electronic documents belonging to the Company or the public without rights or unlawfully;

4.6.8. send material containing viruses, worms, trojan horses, codes, files, scripts, agents, or programs that damage, interfere with or are harmful to the Application, or any system or network or server associated with it;

4.6.9. inhibit, intervene, disrupt and/or damage the performance, integrity or performance of the Application, or any system or network or server associated with it or the data contained therein;

4.6.10. reverse engineer or perform reverse engineering or access the Company’s Application or software in order to (i) create an Application or similar product or service, (ii) copy the ideas, features, functions, graphics and/or designs of the Application, and/or (iii) create products or services using ideas, features, functions, graphics and/or designs similar to the Application;

4.6.11. copy, modify, adapt, translate, create derivative works from, distribute, disseminate, transmit, sell, resell, transfer, disassemble, compile, or provide a license or sublicense to any part of the Application;

4.6.12. create links to the Application or create a ‘frame’ or ‘mirror’ of any part of the Application to any server or wireless device or internet-based device;

4.6.13. launch programs or scripts, including but not limited to web spiders, web crawlers, web robots, web ants, web indexers, bots, viruses, worms, or programs that generate or may generate multiple requests to a server within seconds, or in an unauthorized manner impede or burden the performance of the Application;

4.6.14. hack or attempt to hack or modify the Application or any system or network or server related thereto owned or operated by the Company;

4.6.15. act as if you are another person or entity or make a false impression or statement regarding your affiliation or relationship with a person or entity; and/or

4.6.16. take any action or attempt that may cause loss to the Company, and/or damage the reputation or cause defamation or insult to the Company.

4.6.17. Procurement and all costs related to the use of electronic or mobile devices or mobile phones required by you to access or use the Account or Application are your own responsibility, including but not limited to, the purchase and payment of all fees charged by the telecommunications service provider for internet data packages.

4.6.18 For those who make a deposit of the Pulsa Center balance via EDC, from now on it is expected and mandatory to confirm to our Pulsa Center Admin via WhatsApp at the number: +62811388918. if there is no confirmation, the balance cannot be used (limit system) the confirmation is in the form of proof if the transfer has indeed been made (proof of settlement) and other data. If the proof of confirmation is invalid / not fulfilled, the balance still cannot be used (the account is subject to a limit). We implement this for the sake of security and convenience in making deposits to avoid irresponsible individuals

5. Transaction Cancellation
5.1. We recommend that you always check and ensure the details related to the transaction before completing (payment) the transaction.

5.2. We are not responsible for any consequences arising from your errors or negligence in carrying out the transaction.

5.3. You can contact the Company in the event of an error or negligence on your part in carrying out the transaction. We will assist you reasonably as necessary in connection with the consequences arising from your errors or negligence in carrying out the transaction, including (if possible) cancellation of the transaction and/or refund of the reduced Deposit value as a result of the transaction, but subject to the terms and mechanisms set by the Company from time to time at its own discretion.

5.4. The success of the cancellation of the transaction and/or refund of the Deposit value will be subject to existing conditions to support validation according to our procedures.

5.5. We are not responsible for the failure or delay or delay in the process of canceling the transaction and/or returning the Deposit value (refund) arising from actions or errors by you or third parties, including financial institution partners or banks.

6. Account Blocking
The Company has the right to block your Account or terminate your access to your Account in the event of one or more of the following

6.1. Official request from you

6.2. Report from you that your electronic or mobile device or cellphone has been lost, hacked, or stolen which causes or has the potential to cause a security breach to your Account or your Account can be accessed by a third party or hacking of your Account

6.3. Request from authorities, government agencies or the police, or based on a court order

6.4. Event of breach of promise

6.5. Abusive use or indication of suspicious transactions

6.6. Actions or transactions that are reasonable and appropriate to harm or can harm us or you

6.7. In the event that your Account has been blocked but you have strong evidence that the event that is the reason for the blocking did not occur, you can file a rebuttal or objection to the Company by submitting such evidence. The Company will immediately examine the objection or objection, and at its own discretion determine whether or not there is an event that is the reason for blocking and then determine to continue or continue and unblock

6.8. The account status is active for 365 days, if the account does not make a transaction for 365 days, the account is considered inactive and deleted from the Pulsa Center user data, if there is still a remaining Deposit but the account condition is already inactive, the remaining deposit will be deleted because the nature of the deposit is a Down Payment that has a validity period

6.9. You can withdraw the remaining Partner Deposit on your closed Account by contacting the Company. To withdraw the remaining Partner Deposit, the Partner is required to submit documents that are reasonably required and will be determined by the Company before the return of the remaining Deposit can be made

6.10 If QRIS top up via E-Money, then it is known that the account is making an E-Money transaction again, the account will be suspended/blocked (Cannot be Used)

7. General Provisions
7.1. In order to be able to use the Application, We can ask Partners to activate cookies while accessing or using the Application. In the event that the Partner refuses to enable cookies, access or use of the Application and/or certain functions or parts of the Application may be affected or stopped.

7.3. You agree to receive messages in any form from the Company in connection with the Application and/or features on the Application, including but not limited to short message service (SMS), messages via the Application, messages via other applications such as ‘WhatsApp’ or ‘Telegram’, push notifications, and/or electronic mail, and you promise to provide a response or response as reasonably requested by the Company.

7.4. You promise to use the Account and/or Application solely for the purposes in accordance with these Terms and Conditions, including accessing information related to the Application and using the Application, and will only use the access that you are permitted or entitled to use. You promise not to use the Account and/or Application for any purpose, activity, attempted attempt, or take any action, which is against the law and/or which may harm the Company.

7.5. We may take steps or take efforts that are possible according to applicable laws, including but not limited to, deactivating or blocking or closing or not providing access to the Account and/or Application, or certain features on the Application, conducting checks or investigations and collecting Partner activity data through the Application, submitting reports to the competent authorities, issuing warning letters, terminating these Terms and Conditions, filing claims or lawsuits, and/or taking any legal efforts or processes available based on applicable laws and regulations, in the event of indications of fraud, provision of incorrect or misleading information, data and/or documents, violations of these Terms and Conditions, the Privacy Policy, and/or applicable laws and regulations by the Partner. We may involve and/or cooperate with independent third parties and/or law enforcement officers in taking the actions as mentioned above.

7.6. We have the right to monitor access, activity, or use of the Account and/or Application by the Partner to ensure the Partner’s compliance with these Terms and Conditions, the Privacy Policy and/or applicable laws and regulations or court orders or authorized authorities.

8. Statements and Warranties
Partners declare and guarantee from time to time during access and use of the application by Partners the following:

8.1. Partners are legal subjects who are competent and authorized according to applicable laws to carry out legal acts, including to create an Account, use the Application and features in the Application, and/or bind themselves to these Terms and Conditions and/or the Privacy Policy

8.2. Funds used for transaction services including for top-ups or additional Partner Deposits do not originate from a criminal act or something prohibited under applicable laws and regulations

8.3. The opening and/or use of an Account is not intended or directed to commit a criminal act or something prohibited under applicable laws and regulations, including laws and regulations regarding anti-money laundering and prevention of terrorism financing, or to conduct transactions to deceive, obscure, or avoid reporting to the Financial Transaction Reports and Analysis Center (PPATK) based on applicable laws and regulations, provided that the Partner is fully responsible and releases the Company from all demands, claims, and/or losses in any form whatsoever arising from or in connection with criminal acts or things prohibited under applicable laws and regulations committed by the Partner

8.4. The Partner will not grant any rights, authority and/or power in any form and under any conditions to a third party to use the Account and/or access the Application for any reason and under any conditions, and will be fully responsible for the use of the Account and/or access to the Application by a third party regardless of any negligence by the Partner for the use by the third party

8.5. Any data and information submitted or submitted by the Partner to the Company in connection with the use of the Account and/or access to the Application is true, accurate and complete, still valid, and/or not misleading in any way

8.6. You have read and understood these Terms and Conditions and the Privacy Policy, and these Terms and Conditions and the Privacy Policy constitute a valid and binding legal obligation for you

8.7. In the event that the use of the Application is carried out by a legal subject who is still a minor or is under guardianship, then any activity or order arising from such use will be considered valid and the processing by the Company of any such activity or order will remain

9. Event of Default
An event of default occurs if one or more of the following events or matters occur

9.1. You You violate the provisions of these Terms and Conditions, the Privacy Policy and/or other terms and conditions set forth in the Application

9.2. Your use of the Account, Application, and/or other features or services on the Application that are contrary to or violate these Terms and Conditions, the Privacy Policy, other terms and conditions set forth in the Application and/or applicable laws and regulations

9.3. Your statements and/or warranties in connection with the Application, in part or in whole, are untrue, incomplete, and/or inconsistent with the actual facts or misleading

9.4. According to the Company’s discretion, there are things that are detrimental or can be detrimental to the Company, including but not limited to abusive and/or fraudulent actions and/or patterns or when the Company’s system indicates a suspicious financial transaction pattern

Upon the occurrence of a breach of contract, the Company has the right to

Terminate or block your access to the Account and/or Application, and/or unilaterally terminate these Terms and Conditions

Reject transactions that you make that arise from or in connection with a Default Event

Take other legal actions and/or efforts to maintain and implement the Company’s rights in accordance with these Terms and Conditions and applicable laws and regulations.

9.5. In the event that the Company carries out the above on the basis of a Default Event but you have strong evidence that no Default Event has occurred, you may file a rebuttal or objection to the Company by submitting such evidence. The Company will immediately examine the objection or rebuttal, and at its own discretion determine whether or not there is an Event of Default and/or continue the implementation of the above matters

9.6. The Parties hereby agree to waive the provisions of Article 1266 of the Civil Code to the extent that such provisions regulate the need for court approval or decisions to terminate these Terms and Conditions.

10. Company’s Responsibility
10.1. You are fully responsible for the truth, completeness and accuracy of the personal data and information provided in connection with the use of the Application. The Company is not responsible for any consequences arising from the inaccuracy, incompleteness and/or inconsistency of your personal data or information provided in connection with the use of the Application.

10.2. The Company makes no representation or warranty regarding the absence of disruption, interruption or defect in the Application or the accuracy and completeness of the data and information available on the Application. The Company’s Application is provided to you “as is”. You acknowledge and agree that the Company shall not be liable for any loss, including but not limited to, loss of data, damage to property, injury, or other damages of any kind arising from or in connection with the use or inability to use the Application, which does not arise from or is caused by the Company’s error and/or negligence.

10.3. You fully understand and comprehend the Company’s efforts to always take reasonable steps to maintain the security of the Application and to keep the Application free from viruses and/or interference, and in this case the Company cannot guarantee the security of the database or guarantee that the information you provide to the Company will not be intercepted when transmitted to the Company, unless there is an error and/or negligence of the Company.

10.4. We do not provide any representation or warranty, either express or implied, that: (a) the use of the Application will be free from any interference or interruption; (b) the Application will function properly when used with other hardware, software, systems or data; (c) errors in the Application will be corrected; and (d) the application or server that allows the Application to be available is free from viruses or harmful components.

10.5. You expressly release the Company, affiliates, employees, directors, commissioners, advisors, representatives and/or Partners of the Company from any lawsuits, demands, interests, responsibilities, losses, and costs (including legal fees) whatsoever arising from or in connection with the use of the Application and/or violations of third party rights arising from the Application or its unauthorized use arising not from or caused by the Company’s fault and/or negligence.

11. License and intellectual property rights
11.1. Provided that you always comply with each provision stated in these Terms and Conditions, We grant you a limited, non-exclusive, non-transferable, and non-sublicensable license to download and install a copy of the Application on an electronic or mobile device or mobile phone that you own or control and to use the copy of the Application only for your own non-commercial personal interests.

11.2. apmikimmdopay, including its name and logo and Our services are protected by copyright and intellectual property rights applicable under the laws of the Republic of Indonesia. We and the licensors (as applicable) are the owners of all rights and benefits to the name, logo, Application and all intellectual property rights in connection with it. Any attempt to violate the intellectual property rights set forth in these provisions gives Us the right to cause the termination of the Partner’s rights under these Terms and Conditions.

11.3. We do not grant you any rights or licenses, and your use of the Application shall not constitute any consent or grant of any rights or licenses to you by the Company, and any part of the Application shall remain the property of the Company, except as expressly stated in these Terms and Conditions.

12. Other provisions
12.1. These Terms and Conditions shall be effective from the time you access the Application and shall continue to be effective at all times whenever you access and/or use the Application. These Terms and Conditions (together with the Privacy Policy) shall be valid and enforced electronically in accordance with applicable laws and regulations and shall be binding on the Parties. If further required by law, applicable laws and/or government authority policies, the Parties agree to use the required electronic signature method and all costs arising therefrom shall be borne jointly by the Parties.

12.2. At the Company’s discretion, We reserve the right to change these Terms and Conditions at any time by notifying you. You may access any changes to these Terms and Conditions through the Application. You are deemed to agree and be subject to the changes to these Terms and Conditions by continuing to access and/or use the Application. You are free not to access or use the Application if you do not agree to the changes to the Terms and Conditions.

12.3. In the event that one or more provisions in these Terms and Conditions become invalid, illegal or unenforceable according to applicable law, then the invalidity, illegality or unenforceable condition of such provisions will not have any impact on the validity, validity and enforceability of other provisions in these Terms and Conditions.

12.4. You may not transfer some or all of your rights and/or obligations under the Terms and Conditions. The Company has the right to transfer some or all of its rights and/or obligations to another party, as will be notified to you through changes to the Terms and Conditions. The transfer does not eliminate the rights and obligations that already exist between the Parties concerned before the transfer date.

13. Applicable law and dispute resolution
13.1. These terms and conditions and their implementation are governed by and subject to the laws of the Republic of Indonesia.

13.2. The Parties agree to resolve any disputes in connection with these Terms and Conditions through mutual deliberation. If the dispute cannot be resolved through mutual deliberation within 30 (thirty) Calendar Days from the receipt of written notification by one Party from the other Party regarding the emergence of the dispute, then the dispute in question will be resolved through the South Jakarta District Court

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14. Contact us
Koperasi Naional APMIKIMMDO Bersatu

Jl. Malaka Selatan Blok K-16 No. 12-14 lt 2 Pondok Kelapa, Durensawit East Jakarta 13450

email : admin@koperasiknab.com

Customer Service

Whatsapp: 081215102991