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Syarat dan Ketentuan


PermataAPI Terms and Conditions

The following are the General Terms and Conditions for Host to Host Usage (hereinafter referred to as “GTC”), which applies in PT Bank Permata, Tbk., a banking company that has been registered and supervised by the Financial Services Authority domiciled in Jakarta (hereinafter referred to as “Bank” ):

Article 1

Definition

As long as it is not specified otherwise in the context of the sentence, the terms with the initial capital letters used in this GTC have the following meanings:

  1. "API Key" is one of the Authentication Devices provided by the Bank for the Customers to validate their authority when accessing Host to Host.
  2. “Service Fees” are fees other than Transaction Fees, which must be paid by the Customer to the Bank for using Host to Host to conduct banking activities as regulated in this GTC.
  3. “Transaction Fees” are fees that must be paid by the Customer to the Bank for making Transactions.
  4. "Technical Document" is a document containing technical provisions stipulated by the Bank to be developed and prepared by and in the Customer's system in order to be able to access and obtain Host to Host service.
  5. "Features" are types of Transactions that can be made by the Customer, and / or banking services provided by the Bank, as listed in the Attachment and as submitted by the Customer in the Form and approved by the Bank.
  6. "Forms" refer to forms related to the use of Host to Host which are made following the Bank standards, including, but not limited to, the application Form for using Host to Host.
  7. “Group ID” is a unique code for Customer's registration at the Bank which is used to identify a Host to Host user, where one Group ID may consist of one Customer or a combination of several Customers.
  8. “Business Day” is a day on which the Bank operates and conducts clearing in accordance with Bank Indonesia's regulations.
  9. "Instructions" refer to the instructions or orders given by the Customer to the Bank via Host to Host to process the Transactions.
  10.  "Public IP" is the IP address that will be used by the Customer to be able to access Host to Host.
  11. "Computer" is any form of device that can be used to process electronic, magnetic, optical, or system data that performs logic, arithmetic and storage functions, which the Customer can use to access Host to Host, namely servers, desktops, laptops, or other forms.
  12. "Attachments" refer to the attachments of this GTCt that becomes an integral and inseparable part of the GTC.
  13. "Bank Transaction Limit" is the minimum and maximum nominal value of Transaction which can be made by the Customer as determined by the Bank from time to time.
  14. “Customer Transaction Limit” is the minimum and maximum transaction nominal value set by the Customer, where the minimum limit must not be less than the minimum Bank Transaction Limit and the maximum limit must not exceed the maximum Bank Transaction Limit.
  15. "Customer" is an individual or business entity which submits an application to use Host to Host and / or make a Transaction, and the application has been approved by the Bank.
  16. "Customer Information File Number or CIF Number" is a unique number of Customer's registration at the Bank which is used as the identification of ownership for all accounts on behalf of the Customer at the Bank, both current accounts, savings, time deposits, and other accounts (if any).
  17. "Host to Host" is a banking service provided by the Bank for Customers named as Permata API that enables customers to conduct transactions electronically where there is a system connection between the Customer's system and the Bank's system.
  18. "Client Secret Key" is one of the Authentication Devices provided by the Bank to the Customer in the form of a secret code consisting of a combination of numbers, letters, symbols, other characters, or a combination in which is a key for Client ID to be able to use Host to Host.
  19. "Client Static Key" is one of the Authentication Devices provided by the Bank to the Customer, which functions to form an electronic signature in the process of exchanging data electronically.
  20. "Account" is a giro account or other account on behalf of the Customer at the Bank, which is registered by the Customer in the Form as the account that will be used to make Transactions.
  21. "Minimum Account Balance" is the minimum amount that must be available in the Account and cannot be withdrawn by the Customer as long as the Account is not closed as regulated by the Bank from time to time.
  22. "Authentication Device" is a security device contained in the Host To Host system which is used by the Customer as a security and verification code in accessing and using Host To Host which consists of Client ID, Client Secret Key, Client Static Key, and API Key, or the other form determined by the Bank.
  23. "Transaction" refers to a banking transaction that can be carried out by the Customer electronically by using Host to Host.
  24. “User ID” is an Authentication Device in the form of a unique name owned by the Customer to be used as Customer's identity in accessing Host to Host.
  25. "Time of Receiving Instructions" is a time limit for the Bank to be able to receive Customer Instructions on Host To Host.
  26. "Usage Time" is the time when the Customer can use Host to Host to make transactions.
  27. "Transaction time" refers to the time in which the transaction can be processed by the Bank.

Article 2

Host to Host Registration

  1. Host to Host can only be used by customers who have met the following requirements: 
    1. The Customer already has an Account at the Bank and all Customer required documents to open the Account have been completely received by the Bank.
    2. The Customer has filled in, signed, and submitted to the Bank the Form, GTC, and other documents determined by the Bank from time to time (if any).
    3. The Customer has registered the Customer's Public IP on the Form and the Bank has registered the Customer's connection to Host to Host by using the Public IP that has been registered by the Customer in the Form.
  2. When filling out the Form, the Customer is required to provide a group name for Host to Host registration purposes. Furthermore, the Bank will provide a Group ID to the group name specified by the Customer. The provisions in this paragraph also apply if in one Form consists of several names of Customers, both individuals and other forms of business, which merge into one Host To Host ID Group.
  3. Customers who are members of one Group ID will be able to access all information and Transactions of Customer's Account that are in that one Group ID. The Bank is not responsible for the misuse of information obtained or any Transaction made by the Customer as referred to in this paragraph.
  4. If all the requirements stipulated in paragraph 1 of this Article have been fulfilled, the Bank will process the Customer's application as described in the Form using and based on the data and information written in the Form and other documents received by the Bank from the Customer. Furthermore, the Bank will hand over to the Customer the Authentication Device needed by the Customer to use Host to Host and make transactions in accordance with the provisions in this GTC.
  5. Upon the registration of the Account into Host to Host, the CIF Number attached to the Account will also be automatically registered into Host to Host, so that all or part of the information regarding the Account will be accessible for the Customer through Host to Host.
  6. The Customer can register, change and close Host to Host as desired, and all consequences thereof are fully the responsibility of the Customer.
  7. Although all requirements to use Host to Host as described in this GTC have been fulfilled by the Customer, at the Bank's own discretion, the Bank has the right to: 
    1. Reject the Host to Host registration application submitted by the Customer.
    2. Reject a certain Account submitted by the Customer for making Transaction by notifying the reason for the rejection to the Customer, unless otherwise stipulated by the prevailing laws and regulations.

Article 3

Transaction

Transaction Instruction and Implementation

  1. The procedure of making a Transaction through Host to Host must be followed and implemented correctly by the Customer, the procedures are as follows: 
    1. Perform all security processes in conducting banking activities through Host to Host, in accordance with the provisions stipulated in the Technical Document, by using the Authentication Device sent by the Bank.
    2. All processes that occur while sending electronic data which is related to Transaction information are fully the Customer's responsibility.
  2. The nominal value of the Transaction made by the Customer must be within and not exceeding the Customer's Transaction Limit.
  3. Customers can make transactions at any time during the Usage Time by paying attention to the provisions regarding the Time of Receiving Instructions. Every Instruction received by the Bank will be processed within the Transaction Time.
  4. Usage Time, Time of Receiving Instruction, and Time of Transaction are determined by the Bank from time to time and will be informed to the Customer in accordance with the prevailing laws and regulations.
  5. The Customer is obliged to monitor the Transaction status which has been done through the Transaction status notification provided by the Bank. In the event of Transaction failure or duplication with the same reference number (double transaction) caused by the Customers who do not monitor the status of the Transaction, all risks and consequences that arise are entirely the burden and responsibility of the Customer.
  6. Each Instruction will only be processed by the Bank in compliance with and following the policies and procedures applicable to the Bank.
  7. The Customer cannot cancel a Transaction if the Instruction for the related Transaction has been received by the Bank.
  8. Instructions received by the Bank will be processed based on the verification and authentication process of the correct Authentication Device without verifying the identity and authority of the parties sending the Instruction, therefore each Instruction will bind the Customer.
  9. If there is an instruction which, based on the Bank's internal regulations and / or the provisions of applicable laws and regulations and / or according to the Bank's consideration, may result in the Bank being burdened with a responsibility and / or experiencing demands, complaints, losses, either directly or indirectly from any party, then the Bank has the right to refuse and not process the related Instruction and / or cancel the Transaction that has been processed as long as it is possible according to the systems and procedures applicable in the Bank, and for this incident the Bank will notify the Customer.
  10. All Instructions that the Customer sends to the Bank via Host to Host will be deemed to have the same authority as the instructions submitted to the Bank through a document signed by the Customer.

Transaction Currency
Transactions can be made by Customers in Rupiah.

Provision of Funds
In each Instruction or Transaction made by the Customer at Host To Host, the Account must provide a minimum amount of funds equal to the total amount of the Transaction plus Transaction Fees and Service Fees arising from the related Transactions. The Customer should still pay attention to the minimum account balance based on the provisions of the minimum account balance in each type of product or account applicable in the Bank. The Customer hereby acknowledges and understands that if the amount of funds in the Account is insufficient at the time of making a Transaction, the related Transaction cannot be processed by the Bank.

Article 4

Fees

  1. For using Host to Host to make Transaction, the Customer is required to pay Service and Transaction Fees to the Bank in the amount that has been determined for each Feature.
  2. Service fee consists of: 
    1. Inquiry feature usage fees (fund transfer recipient information feature);
    2. Other fees (if any).
  3. For certain Features, the Customer can choose to charge the Transaction Fee to the Transaction sender or Transaction recipient. The provisions for the Transaction Fee which is charged to the recipient prevail that the amount of the transaction to be received by the recipient is the amount of the Transaction after deducted by the Transaction fee. If a return on Transaction occurs, the amount that will be returned to the sender's account is as much as the amount that should be received by the Transaction recipient. The choice of Transaction Fees imposition by the Customer is the responsibility of the Customer.
  4. The amount of each Service and Transaction Fee will be determined by the Bank from time to time which will be published by the Bank in accordance with applicable laws and regulations through brochures and / or other appropriate methods.
  5. By using Host to Host, the Customer hereby authorizes the Bank to debit the Account for a number of Service and Transaction Fees which are the Customer's obligations.

Article 5

Safety

  1. In using Host To Host, the Customer is obliged to comply with the security standards determined by the Bank in the Technical Document such as authentication and authorization security standards, encryption in data transmission, security against potential risks of "man in the middle attack" and others that are regulated in the Technical Document.
  2. The Customer is obliged to maintain security and confidentiality and is responsible for the use of the Authentication Device. All risks, losses, and any legal consequences that arise in connection with the use of the Authentication Device are the full responsibility of the Customer.
  3. The provisions regarding Authentication Devices are as follows: 
    1. The Authentication Device is the property of the Bank and will be provided by the Bank to the Customer, by sending separately in 2 sets, namely: 
      • The first set consists of the Client ID, Client Secret Key, and Client Static Key.
      • The second set consists of the Group ID and API Key.
    2. For process security purposes, the Bank recommends that the Customer implement a dual control process of receiving Authentication Devices by differentiating the recipient's PIC for each set of Authentication Devices.
    3. Change, closure, or reset of the Authentication Device provided by the Bank, will be carried out by the Bank.
    4. If necessary, the Customer can replace one of the Authentication Devices by sending a replacement request letter to the Bank via facsimile and / or e-mail, by following the terms and conditions regarding sending letters or documents via facsimile and / or e-mail as stipulated in Article 8 in this GTC. Each request to replace one of the Authentication Devices will immediately change the Authentication Device at the same time.
    5. The Bank grants the right to use the Authentication Device to the Customer from the time the Customer is registered as a Host to Host user until the Customer stops using Host to Host. As long as the right to use the Authentication Device is granted to the Customer, all risks and consequences arising from the use and control of the Authentication Device will be borne and solely the responsibility of the Customer.

Article 6

Information and Proof

  1. The Bank provides information regarding Accounts, and other matters related to Customer's transactions and activities through Host to Host.
  2. Although the information regarding Accounts, other matters related to Transactions and Customer activities is provided by the Bank through Host to Host, Customers are still required to monitor the latest information regarding these matters at the Bank office where the Account, Transaction and Customer's activities are administered by the Bank or through other media determined by the Bank and accessible by the Customer. If there is a discrepancy between the information obtained by the Customer through Host to Host and the information at the Bank office, the Customer is obliged to immediately report it to the Bank and ask the Bank for clarification to ensure that the Customer can make Transactions based on the correct and accurate information.
  3. In accordance with the prevailing laws and regulations, the Bank has the right to disclose information regarding Transactions to government agencies and / or other authorized parties.
  4. Evidence of instructions and communications transmitted electronically in making a Transaction, including documents in the form of computer records or evidence of Bank transactions, tape or cartridges, computer printouts, copies or other forms of information storage in the Bank, and all the tools or documents are the only valid and perfect evidence for each Transaction made by the Customer, even though no written or signed document is issued by the Bank and / or the Customer, as stipulated in Law No. 11 of 2008 concerning Electronic Information and Transactions including its changes, updates and / or replacements.
  5. All data, information, statements and documents that have been submitted by the Customer will become the property of the Bank, and the Bank has the right to verify, assess, document, archive or use it for the benefit of the Bank in accordance with the provisions of the applicable laws and regulations, without the Bank being obliged to notify or ask for approval, provide guarantees or compensation for any reason to the Customer.

Article 7

Termination of Internet Communications

  1. To avoid Host to Host misuse by unauthorized parties, the Bank unilaterally and at its sole discretion has the right to: 
    1. Disconnect the internet communication if the Customer, within the period determined by the Bank, does not make any transactions or conduct any activities through Host to Host.
    2. Stop or suspend the Transaction process without prior notification to the Customer if Host to Host, Account, and other related matters, are indicated to be used by the Customer or any other party to commit crimes or illegal activities.
  2. In connection with the implementation of the actions as referred to in paragraph 1 of this Article, the Customer agrees that the Bank will not provide compensation and / or liability in any form to the Customer or any party for all claims, lawsuits and / or requests for compensation in any form submitted by any party, which matters are the full burden and responsibility of the Customer.

Article 8

Documents and Letters Delivery

If the delivery of a letter and / or data and / or documents and / or instructions by the Customer to the Bank can be done via facsimile or e-mail based on the provisions stipulated in the GTC and / or other provisions applicable to the Bank, then, the following terms applies and binds the Customer:

  1. The delivery of letters and / or data and / or documents and / or instructions from the Customer to the Bank will be made via a facsimile machine and / or e-mail address that have been specified and registered by the Customer as stated in the Form.
  2. If the Customers change their facsimile number and / or e-mail address, the change will be valid in no later than 7 (seven) Business Days after the Bank receives a written notification from the Customer regarding the change.
  3. Before what is written in the letter and / or data and / or documents and / or instructions is processed, received, or executed by the Bank, the Bank has the right but is not obliged to confirm beforehand to the Customer regarding the validity of the letter and / or data and / or documents and / or instructions. If the Bank does not receive confirmation of its validity, the Bank has the right to reject, postpone, not conduct the matters written in the letter and / or data and / or related documents and / or instructions.
  4. Instructions sent by facsimile or e-mail will be executed by the Bank at the Transaction time as referred to in the Instruction as long as the Instruction has been received by the Bank within the Time of Receiving Instruction as stipulated by the Bank, or on the following Business Day if the Instruction sent via facsimile or e-mail is received after the Time of Receiving the Instruction has passed.
  5. The Customer is obliged to comply with any Bank policies related to the provisions of the Transaction and the delivery of the original letters and / or data and / or documents and / or instructions, both which have been or will be determined in the future by the Bank (which the changes will be notified in advance by the Bank to the Customers, in accordance with the applied laws and regulations). In this regard, if the Bank requires the Customer to send the original letters and / or data and / or documents and / or instructions after what is written in them is processed, received, or executed by the Bank, the Customer is obliged to send the original letter and / or data and / or documents and / or instructions to the Bank at the time determined by the Bank. If there is a difference between letters and / or data and / or documents and / or instructions sent by facsimile or e-mail with original letters and / or data and / or documents and / or instructions, including but not limited to the total amount of the Transaction, then the Customer hereby agrees that what applies is letters and / or data and / or documents and / or instructions that have been sent by facsimile or e-mail.
  6. If the process, reception and implementation by the Bank of the matters mentioned in the letter and / or data and / or documents and / or instructions sent by facsimile and / or e-mail requires the Customer's authority, the Customer hereby authorizes to the Bank to conduct the matters, and all costs arising from these matters shall be borne entirely by the Customer.
  7. The Customer hereby declares and guarantees the Bank for the following matters: 
    1. The Customer is obliged to and shall ensure that the party sending the letters and / or data and / or documents and / or instructions for and on behalf of the Customer is the authorized party of the Customer.
    2. The Customer receives and validates any action taken by the Bank in order to carry out the matters described in letters and / or data and / or documents and / or instructions sent by facsimile or e-mail.
    3. The Customer is obliged to and shall always maintain the security of the system and / or media used to send letters and / or data and / or documents and / or instructions via facsimile or e-mail, from any misuse by unauthorized parties.
    4. The Customer is obliged to and shall always be aware of the possibility of authority abuse committed by the Customer or other parties.
    5. Customers, in the current and future times, are responsible for all legal consequences that arise and will not file any objections, demands, claims or rebuttals to the Bank.
  8. The Customer agrees that letters and / or data and / or documents and / or instructions in the form of a facsimile or e-mail received by the Bank are the only valid evidence for the implementation of Transaction or other things requested by the Customer as stated in the letter and / or data and / or documents, which can be used both inside and outside the court. If a dispute or problem related to this matter arises in the future, the Customer agrees to set aside the original letter and / or data and / or document and / or instruction.
  9. If there is a discrepancy between the proof of delivery of letters and / or data and / or documents and / or instructions of the Customer and proof of receipt of letters and / or data and / or documents and / or instructions of the Bank, the Customer agrees that the proof of receipt belongs to the Bank is the one which is valid.
  10. With a prior notification by the Bank to the Customer in accordance with the applicable laws and regulations, the Bank has the right to change, add, and / or cancel Bank policies regarding sending letters and / or data and / or documents and / or instructions via facsimile or e-mail, and the Customer is required to comply with all Bank policies related to this matter.
  11. If, in the future, there are regulations prohibiting, not justifying or not allowing the process, reception, or implementation of matters as stated on the letters and / or data and / or documents and / or instructions sent via facsimile or e-mail, the Bank has the right to immediately take necessary actions, including to refuse and / or not carry out the matters requested by the Customer even though all the requirements set by the Bank have been fulfiiled by the Customer.

Article 9

Consent and Authority

  1. The Customer hereby gives consent to the Bank to: (i) use the data and information related to the Customer obtained by the Bank, including but not limited to, all data and information contained in the Form, for the purpose of implementing customer requests and instructions, and for the marketing purposes of the Bank's products  or other parties cooperating with the Bank, and all other needs as long as it is possible and permitted by the prevailing laws and regulations; (ii) disclose the data and information to third parties, including but not limited to, authorized agencies by taking into account the provisions of the prevailing laws and regulations for the use and disclosure of data and information that requires approval from other parties.
  2. All authorities given by the Customer to the Bank contained in this GTC, Forms and documents related to the Transaction in any form are an inseparable part of the Transaction and other administrative actions in connection with the use of Host to Host, therefore, there is no need to create other form of writing for authorization process aside from this GTC, Form and documents related in the Transaction., These authorities will continue to be valid and will not be expired for any reason, including the causes listed in articles 1813, 1814 and 1816 of the Civil Code applicable in the Republic of Indonesia, as long as the Customer still has obligations, including payment obligations to the Bank or until there is a written notification regarding the revocation of authority from the Customer to the Bank. The Bank must receive notification regarding the revocation of authority no later than 30 (thirty) days before the revocation of authority becomes effective.

Article 10

Customer Responsibilities

  1. The Customer is obliged to ensure that any and all data and information along with respective supporting documents provided by the Customer through the Form as well as in the context of sending Instructions to the Bank are true, complete, accurate, not misleading and still valid.
  2. If there is a change in the data and information that has been sent to the Bank, the Customer is obliged to immediately notify the change in writing to the Bank.
  3. To avoid fraud, crime or abuse of authority conducted by parties designated by the Customer in using Host to Host or other unauthorized parties, the Customer is fully obliged, responsible and authorized to make arrangements, supervision and security for the flow or process of the Transaction or administrative actions that uses Host to Host, including but not limited to the following: 
    1. Have an internal procedure regarding the distribution of authority from parties appointed by the Customer to receive the Authentication Device from the Bank, make Transaction and administrative actions which is related with Host to Host, including separating the authority given to the parties appointed by the Customer to make Transaction in such a way, where the authority to make Transaction and the authority to approve Transaction are given to different persons. 
    2. Have an internal procedure to prevent the risk of Authentication Devices misuse.
    3. Establish and supervise the process of Transactions and administrative actions of Host to Host.
  4. The Customer is obliged to ensure that the parties that can give Instructions and carry out a series of Transaction processes for and on behalf of the Customer are persons or parties appointed and authorized to perform the activities by the Customer. The Bank does not carry out any verification for the Instruction received by the Bank, whether regarding the contents of the Instruction, the Transaction process flow, the authority or the identity of the people or parties involved in the making process, delivery or approval of the Instruction received by the Bank until the Transaction is successful. All risks and legal consequences that arise as a result of abuse of authority, errors in sending instructions and other related matters become the full responsibility of the Customer.
  5. Customer should keep the security of the computer used to access Host to Host, along with all systems or supporting instruments from the computer, by conducting the following ways but not limited to: 
    1. Regularly update the latest version of the anti virus program and scan the computer for viruses.
    2. Limit the access authority of the computer used to access Host to Host.
    3. Establish a system, procedure or mechanism for securing the computer used by the Customer.
  6. The customer agrees that all risks and legal consequences may arise because (i) the Customers do not fulfill their obligations as stipulated in this Article and other Articles in the GTC (including Attachments and other related documents), (ii) unauthorized use of the Authentication Device, (iii) misuse of Host to Host by parties appointed by the Customer to make Transactions through Host to Host (iv) errors or delays in the Transaction process made by the Customer, (v) the Bank submits the information regarding the Transaction to the government agencies and / or the authorities as referred to in Article 6 of this GTC (vi) error or negligence of Customers who do not implement the things described in Article 8 of this GTC (vii) use, inclusion and disclosure of data and information made by the Customer to the Bank as referred to in Article 9 of this GTC (viii) the Customer is failed to perform security standards specified in the GTC and Technical Documents, including but not limited to, any loss of profits, demands, lawsuits or claims experienced or addressed to the Bank and / or the Customer and / or any other party, becomes a full responsibility of the Customer, and the Bank will not provide compensation and / or liability in any form to the Customer or any party, and the Customer is willing to be subject to sanctions based on the applicable laws and regulations and / or the Bank's internal policies, including the closure of Host to Host by the Bank for all the consequences that arise as long as the risks and legal consequences are not caused by mistakes or negligence committed by the Bank.
  7. If, based on any lawsuit or claim, the Bank must pay or pay in advance an amount of money to any person or party, due to the Customer Transaction, then the Customer is obliged to pay or provide reimbursement to the Bank in the amount that has been paid by the Bank along with interest and penalties (if any) in the time determined by the Bank.

Article 11

Force Majeure

The Bank will not provide compensation and / or liability in any form to the Customer or any party for any claims or losses that may arise, in the event that the Bank is unable or late in conducting the Instruction either partially or completely due to incidents or causes beyond the power or ability of the Bank, including but not limited to, natural disasters, war, riot, malfunctioning equipment, systems or transmissions, power outages, telecommunications or internet network disruptions, government policies, and other events or causes beyond the power or ability of the Bank as long as the Bank has carried out all of its obligations in accordance with the applicable laws and regulations in connection with the Force Majeure.

Article 12

Transaction Delay and Host to Host Closure

Without taking out other provisions stipulated in a separate Article in this GTC, the Bank has the right to postpone or not carry out instructions or even close the Host to Host service (as applicable) if one or more of the following are fulfilled:

  1. The Customer submits a written application to the Bank to close the service of Host to Host using a Form from the Bank.
  2. Customer closes all registered accounts used to make Transactions.
  3. There are laws and regulations that prohibit the use of Host to Host  or similar services for making transactions.
  4. The customer uses an identity and / or provides or includes fake or false information.
  5. The Bank acknowledges or has an indication that the Host to Host or the Account is used by the Customer or any other party to commit fraud, crime or other illegal acts that violate or are not in accordance with the applicable laws and regulations. 
  6. For any reason, at the discretion and policy of the Bank, based on the results of the review carried out by the Bank on the use of Host to Host by the Customer, and the Customer hereby agrees to any action that will be taken by the Bank to carry out the Customer instruction, and therefore the Customer with this agrees that the Bank will not provide compensation and / or liability in any form to the Customer or any party in relation with the actions taken by the Bank.

Article 13

Other Provisions

Other Matters and Changes
The Bank has the right to make changes at any time to the contents of the GTC by giving a notification to the customer in accordance with the applicable laws and regulations. The customer hereby agrees that the change in the GTC will become an inseparable part of this GTC.

Choice of Law and Domicile
This GTC along with all the amendments or additions and or renewals are made, interpreted and implemented under the laws of the Republic of Indonesia. Any disputes arising under or following this GTC will be resolved as follows:

  1. If possible, any disputes will be resolved by deliberation.
  2. Any dispute or disagreement that cannot be resolved by deliberation by the Parties will be resolved through mediation in the banking sector.
  3. Any dispute or disagreement that cannot be resolved either by deliberation and / or mediation in the banking sector, will be resolved in one of the District Courts in Indonesia, thus without taking out the right of the Bank to file a lawsuit against the Customer through other Courts, within or outside Indonesia, and the Customer hereby declares to waive their right to file an exception regarding the relative authority to the Court selected by the Bank.

Address of Notification

  1. Any notification that needs to be sent by each party to the other regarding or in connection with the use of Host to Host must be made by written letter, via courier or electronic media including e-mail, facsimile, telex or short message system ("SMS ") Or telephone, namely: 
    1. If addressed to the Customer:
      In accordance with the data and information contained in the Form as well as the changes that have been submitted to the Bank and have been processed in accordance with the policies and procedures applicable in the Bank.
    2. If addressed to the Bank:
      In accordance with the data and information listed on the Bank's official media, including but not limited to the official PermataBank website.
  2.  Any notification and or communication addressed to as the above information is deemed to have been received or delivered: 
    1. If sent directly by courier or expedition on the date of receipt and / or;
    2. If sent by registered mail, 7 (seven) calendar days after the date of delivery, and / or;
    3. If sent by telex or facsimile, on the day of delivery (with the recipient's confirmation).
    4. If sent by e-mail, upon confirmation that the e-mail has been received.
    5. If sent via SMS, when there is no confirmation that it has failed to be sent.
  3. Any correspondence data changes from each party must be notified immediately in the form of writing to the other party.

Validity
The legality and validity of the provisions in the GTC will not be affected, even if one or more provisions in the GTC become invalid, unenforceable or invalid.

Transfer and Maintenance of Services
Bank has the right to:

  1. Transfer the Transaction process or use of Host to Host to a third party;
  2. Perform maintenance, repairs, and changes to Host to Host which may result in temporary unavailability or inaccessibility of Host to Host.
  3. Statements and Guarantees 
    All statements and guarantees submitted by the Customer in the Form and GTC are true, without force from any party and cannot be withdrawn or canceled and will not end for any reason without a written approval from the Bank. All risks arising from these statements and guarantees are the sole responsibility of the Customer, and the Customer agrees that the Bank will not provide compensation and / or liability in any form to the Customer and / or any party for all risks and consequences arising from the statements and guarantees by the Customer or its implementation conducted by the Bank.
  4. Applicable Language
    If the GTC and other documents related to Host to Host are issued or made by the Bank and / or signed by the Customer in Bahasa Indonesia and English, then if there is a difference in meaning or interpretation between the Indonesian and the English version of the GTC or other documents, what will apply is the Bahasa Indonesia version, including its composition, interpretation and implementation.
  5. Service and Complaint Settlement
    The Customer hereby acknowledges that the Bank has service procedures and complaint settlement in connection with the use of Host to Host which can be accessed by the Customer through the website www.permatabank.com and or other official media.

BY SIGNING THE GTC, THE CUSTOMER ACKNOWLEDGES AND UNDERSTANDS ALL CONTENTS OF THE GTC AND THE CUSTOMER AGREES AND IS BINDED TO THE GTC, APPENDIX, FORM, AND OTHER PROVISIONS SET BY THE BANK IN RELATION WITH THE IMPLEMENTATION OF TRANSACTIONS THROUGH HOST TO HOST WHICH WILL BE NOTIFIED BY THE BANK TO THE CUSTOMER, IN ACCORDANCE WITH THE APPLICABLE LAWS AND REGULATIONS

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