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PermataQR-Merchant

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General Terms and Conditions Permataqr Services of PT Bank Permata Tbk

This General Terms and Conditions for PermataQR Services of PT Bank Permata Tbk (hereinafter referred to as the "GT&C") is a terms & conditions governing cooperation in providing payment receipt services via the Quick Response (QR) system of PT Bank Permata Tbk., the Banking company which has been  registered with and supervised by the Financial Services Authority and is a participant in the Indonesia Deposit Insurance Corporation (LPS), domiciled in Jakarta (hereinafter referred to as the "Bank").

The Merchant by accepting  this GT&C states that it agrees to comply with and bind itself to this GT&C under the terms and conditions as described below:

Article 1

Definition

As long as it is not defined otherwise , , the terms mentioned below shall have the following meanings 

  1. Minutes of Handover (BAST) is a document which contains information on the status of the completion of the installation and/or integration of the PermataQR system to the the Merchant and the Merchant is ready to accept the Transaction.
  2. Chargeback is the claim made to the Merchant the Merchantfor any successful Transaction that has been delegated by the Bank to the Merchant.
  3. Collateral is the amount of funds which must be deposited by the Merchant to the Bank which is blocked by the Bank with the amount determined by the Bank as collateral for possible risks that may arise from the use of PermataQR by the Merchant.
  4. Merchant Blacklist is a list which contains negative information on the Merchant's reputation  issued by the authorized institution in accordance with the applicable laws and regulations.
  5. Transaction Cancellation Form is a form used by the the Merchant to submit a request to cancel a Transaction which has been processed by the Bank, in a format determined by the Bank.
  6. Calendar Day is the days according to the international calendar system.
  7. Working Day is the day on which the Bank operates and executes clearing in accordance with the Regulator's provisions.
  8. Merchant Discount Rate ("MDR") is a fee that must be paid by the Merchant to the Bank for every Transaction  the amount of which is accoordance with the percentage value stated in the MDF and the Bank has the right to change the amount or value of the MDR based on the Bank's policy and/or provisions and/or laws and regulations, which will first be notified to the Merchant in accordance with the applicable provisions and regulations.
  9. Merchant Data Form (MDF) is a form either in physical or digital form  that contains information about the Merchant and other information that is completed by the Merchant, which is required as an application, amendment and implementation of the use of PermataQR based on GT&C, which is a single entity and becomes an integral part of this GT&C.
  10. Merchant is an individual or entity who uses PermataQR services to receive Transactions.
  11. Parties are the Bank and the  Merchant who implementing the contents of this GT&C.
  12. Party is one of the parties or each party implementing the contents of this GT&C that is the  Merchant or the Bank.
  13. QR User is every party who has a Quick Response (QR) payment application on their device to make transactions at Merchant via PermataQR.
  14. Merchant Account is the the Merchant account opened in the bank under the name of the Merchant as specofied in the MDF which is used as the the Merchant escrow account, and other Merchant’s accounts maintainde in the Bank.
  15. QR User Account is a QR User account which is a source of debiting funds to make transaction including but not limited to bank account, electronic money, credit card, or other sources of funds determined by the regulator at a later date.
  16. Regulator is Bank Indonesia, the Financial Services Authority, or other authorized body/ agency in connection with the implementation of this GT&C.
  17. Transaction is a transaction performed by QR User to make payment via PermataQR on Merchant.
  18. Successful Transaction is a completed Transaction which has been marked with (i) the appearance of Notification both on the PermataQR Application and the User Application; (ii) Transaction funds have been debited in the User's account; (iii) Transaction funds have been credited in the Merchant's account; and (iv) recorded success on the registration of the Bank.
  19. QR Code is a standard code provided in PermataQR to the Merchant which is used to complete Transactions through scanning which contains information/data required needed to process the Transaction.
  20. PermataQR is a Bank owned service the Bankthat can  accept Transactions at Merchant via Quick Response (QR) system based on the QR Code Indonesia Standards (QRIS) as referring to the applicable laws and regulations.
  21. PermataQR application is an application issued by the Bank as a part of the PermataQR service, to be downloaded by Merchant and used to receive Notification, generate QR Codes, view periodic Transaction reports, and other features provided by the Bank in the Permata QR Application or to be developed by the Bank at a later date.
  22. Notification is notification which appears on the PermataQR Application and the User QR Application shortly after the Transaction has been carried out, which contains the status of the Transaction as well as evidence of the Transaction that has been done.
  23. Refund hereinafter referred to as "Refund" is refund of Transaction on Transactions canceled by the provisions as provided for in this GT&C.

Article 2

Types of PermataQR

  1. The types of PermataQR provided by the Bank to the the Merchant are as follows:
    1. PermataQR Sticker and QR Application.
      It is a PermataQR service which provides QR Codes in the form of stickers and QR Codes that generated in the QR Application.
    2. PermataQR API.
      It is a PermataQR service where the Bank system directly can be connected to the \Merchant system using the API (Application Programming Interface), so Merchant can use the PermataQR feature through the Merchant’s system.

Article 3

Submission Of Permataqr Services

  1. Untuk keperluan permohonan sebagai Merchant kepada Bank dalam penggunaan PermataQR maka Merchant wajib untuk memberikan:
    1. Data Merchant melalui MDF yang telah dilengkapi oleh Merchant;
    2. Dokumen-dokumen pendukung sesuai dengan yang dipersyaratkan dan diberitahu-kan Bank kepada Merchant.
  2. Merchant wajib melakukan pengkinian data apabila terjadi perubahan pada data dan atau dokumen sebagaimana dimaksud ayat 1 Pasal ini.
  3. Bank atas pertimbangan sendiri berhak untuk menerima atau menolak permohonan yang diajukan Merchant untuk menggunakan layanan PermataQR. Dalam hal Bank menolak permo-honan Merchant tersebut maka Bank akan memberitahukan secara tertulis kepada Merchant bahwa pengajuan Merchant tidak dapat disetujui.Merchant menyetujui atas keputusan Bank terkait dengan persetujuan atau penolakan permohonan Merchant maka seluruh dokumen yang telah diberikan Merchant sehubungan dengan permohonannya tersebut sepenuhnya menjadi milik Bank.
  4. Dalam hal Bank menyetujui permohonan penggunaan PermataQR yang diajukan Merchant maka Bank akan menyediakan PermataQR sesuai dengan kesepatan Para Pihak.
  5. Berdasarkan pertimbangan Bank maka Bank berhak untuk meminta kepada Merchant menyediakan sejumlah dana sebagai Collateral atas Transaksi yang dilakukan melalui PermataQR.

Article 4

Mechanism for Using PermataQR

The mechanism for using PermataQR is as follows:

  1. Transaction using PermataQR is by scanning the QR Code contained in the Merchant.
  2. For Transaction status, refer to the Bank'srecords..
  3. The Merchant must accept every Transaction from the QR User that using PermataQR.
  4. The transactions that can be accepted on PermataQR are transactions that are based on the Indonesian Standard Quick Response (QRIS) as stipulated in the applicabe laws and regulations.
  5. The Merchant must ensure the success of a Transaction through the notification received where the value of the Transaction amount must equal with the transaction that perform by the QR User.
  6. All Transactions processed through PermataQR must be in Rupiah currency.

Pasal 5

Pengembalian Dana (Refund)

  1. Refund can be made via Refund QR feature on PermataQR for selected Merchant that approved by the Bank. Refund submission via Refund QR feature maximum of 7 (seven) Calendar Days after the Transaction date. In the event the Refund submission exceeds this maximum time, the Refund submission can only be processed with Transaction Cancellation Form.
  2. The provisions for Refund submission by the Merchant as referred to in paragraph 1 of this Article are as follows:
    1. Refund can only be processed by the Bank if there is a sufficient of funds in the Merchant Account.
    2. Refund submission is not available for the exceed value of the Transaction.
    3. For Merchant who does not have the Refund QR feature and the Refund submission exceeds 7 (seven) Calendar Days after the Transaction date, Refund submission can be done through the Transaction Cancellation Form can be served by the Bank at a maximum of 30 (thirty) Calendar Days after the Transaction date. If the time period has passed, the Bank has the right not to process the said Refund application.

Article 6

Transaction Fund Transfer

The Bank will transfer the Transaction funds every Calendar Day based on the Transaction data available to the Bank by  deducting the value of the MDR which is the Bank's right.

Article 7

Cost

  1. The Bank may impose to charge fees to the Merchant as MDR cost that specified in the MDF, or other costs determined by the Bank at a later date which are notified to the Merchant in accordance with the applicable laws and regula-tions.
  2. Payment of such charge as referred to in paragraph 1 is made by direct deduction when transferring Transaction funds from the Bank to the Merchant.
  3. The Bank has the right at any time to change the amount of fees as referred to in paragraph 1 above based on the Bank's policy and/or legislation in force, which will be notified to the Merchant through the communication media deemed valid by the Bank in accordance with the rules and regulations laws that apply.

Article 8

Chargeback

  1. The Merchant is responsible for chargebacks, if the following happens including but not limited to:
    1. QR User does not receive goods/services until the agreed time between Merchant and QR User, or QR User does not receive goods/ services as conditions stated or agreed with the Merchant.
    2. QR user is debited more than 1 (one) time, and Merchant is credited more than 1 (one) time.
    3. The debit and credit value does not match the current value of the Transaction.
    4. Refund has not been received yet.
    5. QR User Account is debited, Merchant is not credited.
    6. The QR User Account is successfully debited but the QR User is asked to pay in cash.
  2. In the event of a chargeback, the Bank remains entitled and authorized to:
    1. Debit the Merchant Account or deduct the Merchant Bill payment to be paid by the Bank to the Merchant in the amount of a chargeback; or
    2. If the funds in the Merchant's account are insufficient to equal the Chargeback, the Bank will collect from the Merchant and the Merchant is required to pay the bill no later than 1 (one) Business Day after the bill is received by the Merchant.
  3. In the event of chargeback related to transactions at the Merchant that results in financial losses for the Bank, the Merchant shall be responsible as referred to in Article 21 GT&C.
  4. The Merchant grants power of attorney the Bank to debit the Merchant's account if there is a chargeback.

Article 9

Claim/Complaints of QR Users

  1. The Merchant shall to handle the complaints of the QR User in relation to the product/service/ other types of payments which is billed by the Merchant to the QR User which is the Merchant's responsibility.
  2. The Bank handle the Merchant’s complaints related to Transaction conducted by QR Users on PermataQR, within a period of no later than 20 (twenty) Business Days from the date the claim/ complaint is received by the Bank and if all documents and requirements specified by the Bank have been fulfilled.
  3. If necessary, the Bank reserve the right to request supporting documents in any form to the Merchant for the purposes of resolving complaints of QR User, and the Merchant agrees and is obliged to provide the supporting documents within 1 (one) Business Day since the first written request from the Bank. In the event that the Merchant fails to fulfill the request within the predetermined time period, the Bank has the right to directly debit the Merchant Account at the transaction value claimed by the QR User. In the event that funds in the Merchant Account are not available and/or insufficient, the Merchant must return all funds in cash to the Bank no later than 7 (seven) Business Days after the Bank submits the claim.

Article 10

Suspicious Transactions

  1. In the event of a suspicious Transaction according to the Bank which is conducted by PermataQR which is available on the Merchant, the Bank will investigate and has the right to stop/ deactivate the PermataQR service on the Merchant, and/or delay or not make payment to the Merchant or block the Merchant Account. until the investigation process is completed within the period specified by the Bank.
  2. The Merchant is responsible to prevent suspicious Transactions or other forms of fraud.
  3. If it is evidenced that the Transaction violates the GT&C and/or applicable laws and regulations, the Bank has the right to debit the Merchant Account to compensate the Bank and/or other party losses arising from the Transaction, and the Merchant must be responsible as regulated in Article 21 of this GT&C.

Article 11

Service Promotion

  1. The Merchant is obliged to install the Permata QR sign/logo provided by the Bank, in places which are easilyvisible so that the QR User knows that the Merchant accepts Transaction through PermataQR.
  2. The Bank has the right to inform PermataQR facilities and programs to QR User, including programs for Bank customer in the Merchant business location.
  3. The Merchant grants the rights and authority to the Bank to include the Merchant's name and logo in the instruction manual or any promotional means determined by the Bank.
  4. Costs arising from the promotion of PermataQR as provided for in this Article will be borne by each Party in this GT&C, and in particular for tax costs arising in connection with the installation of banners and banners at the Merchant's business location will be the Merchant's responsibility.

Article 12

Audit and Inspection

  1. Banks or other parties designted by the Bank, or other parties in accordance with applicable laws and regulations, have the right to inspect or audit of PermataQR services, including conducting inspections at the Merchant's premise at the time determined by the Bank. The inspection or audit shall comply with the Bank's policies and applicable laws and.
  2. The Merchant must cooperatibely to assist the Bank in carrying out an inspection or audit as described in paragraph 1 of this Article by providing data, documents and or information needed by the Bank in connection with the implementation of the GT&C.

Article 13

Acknowledgement and Warranries

  1. Each Party hereby acknowledges and warrants the other Parties in the GT&C as follows:
    1. Each Party is a legal subject who is subject to the laws of the Republic of Indonesia and the parties representing the Parties in this GT&C have the full right to sign and implement the GT&C. GT&C does not conflict with the Articles of Association of each Party (if any) and does not violate the applicable laws and regulations which must be obeyed by each Party in carrying out its business.
    2. Each Party has taken all necessary actions in accordance with the provisions of the Articles of Association of each Party (if any) including the authority to carry out the GT&C and the official who signed the GT&C has been authorized to do so for and on behalf of each party.
    3. Each Party shall be subject to and comply with all provisions contained in this GT&C along with its changes.
  2. The Merchant acknowledges and warrants that it will accept the Transaction properly and responsibly and does not act contrary to the laws, laws and regulations which apply in the territory of the Republic of Indonesia.
  3. The Merchant acknowledged and warrants that all data/information and documents submitted by the Merchant to the Bank in connection with the implementation of the contents of the GT&C are data/information and documents which are truthful, valid, reliable, transparent, complete and accurate. The Merchant represents that it is prepared to be prosecuted in criminal or civil court, including the provision of PermataQR services by the Bank if the Bank knows or obtains information from any party that the data/information and documents provided by the Merchant are found to be untrue/incompletely true/false.
  4. The Merchant hereby warrants to the Bank that the Merchant along with all of its employees and/ or other parties who cooperate with the Merchant will not abuse, change the function of PermataQR, and commit other frauds, including but not limited to crime/fraud/embezzlement.
  5. 5    The Parties represents that if there is an audit or inspection or request for information in the form of data or other documents from Bank Indonesia or the Financial Services Authority or other parties in accordance with the laws and regulations, the Parties agree to provide any information or document.

Article 14

Confidentiality

  1.  Any information and/or data provided by the Bank to the Merchant and/or Merchant’s employees and/or information and or data obtained by the Merchant and/or Merchant’s employees in the implementation of this GT&C, whether provided or submitted verbally, in writing, cataloged or submitted through electronic media or other forms of information and data including, without limitation, bank secrecy approved by banking regulations, during the conversation or during other work between the Parties ("Confidential Information") are confidential.
  2. The Merchant approves and agrees that at any time it will keep Confidential the Information obtained from the GT&C to anyone or will not use it for the benefit of the merchant or the interests of other parties, without first obtaining written approval from the relevant authorities of the Bank or other authorized party in accordance with the applicable law.
  3. In the case of PermataQR service use is terminated, the Parties who agree that the Merchant is obliged to keep documents and materials which constitute Confidential Information as regulated in this Article will remain in force.

Article 15

Event of Default and Prohibiton

  1. The Merchant will be considered to be in default if the Merchant neglects to implement its obligations and takes an action prohibited/ violates one or more provisions of this GT&C
  2. Without prejudice to the other provisions of the prohibitions relating to GT&C, the Merchant is prohibited from doing the following:
    1. Carrying out activities or businesses which are detrimental to the Bank, committing fraudulent acts for the use of PermataQR services, violating the applicable law, laws and regulations issued or regulated by the Regulator;
    2. Submitting and or transferring all or part of the rights and obligations arising under this GT&C without prior written approval from the Bank.
    3. Requesting additional fees for QR Users on Transactions received by the Merchant.
    4. The Merchant is prohibited from using the Intellectual Property Rights ("HAKI") of the Bank without written approval from the Bank.
    5. Determining the minimum transaction value for QR users who will make transac-tions through PermataQR at the Merchant;
    6. Closing the Merchant Account or other account (s) registered with the MDF as long as this GT&C is still approved.
  3. If the Merchant commits default and prohibition as referred to in the Article and GT&C, the Bank based on its consideration/policy has the right:
    1. To stop or support the provision of Permata QR services with the Merchant as referred to in this GT&C immediately; and/or
    2. To postpone or not pay the proceeds to the Merchant including the distribution of money and/or deduct or collect refund that have been agreed; and/or
    3. To block the Account and/or debit the Merchant Account and/or debit the collateral and/or Collateral funds and/or not transfer the Transaction funds to the Merchant for compensation payments. In the event that funds in the Merchant Account are not available and/or are insufficient, the Merchant is obliged to return all funds in cash to the Bank no later than 7 (seven) Business Days after the Bank submits the said claim; and/or
    4. To deactivate PermataQR and or withdraw PermataQR without notifying the Merchant in advance; and/or
    5. To request the Merchant to refund a sum of the value of the Transaction indicated as suspicious Transaction and or Transaction indicated to be carried out with elements of crime or embezzlement or fraud by the Merchant; and/or
    6. To collect all and any amount of money that must be paid by the Merchant based on the contents of this GT&C immediately and all at once; and/or
    7. To demand compensation for negligence (if any); and/or
    8. To debit the funds in the Account including funds in other accounts in the name of the Merchant in the Bank to pay all Merchant obligations arising under this GT&C including compensating for bank losses arising from negligence (if any); and/or
    9. To request the Merchant to pay a sum of money no later than 7 (seven) Business Days from the date of the payment request submitted by the Bank to the Merchant, if the funds in the Account have not been successfully blocked or debited or the funds are insufficient to pay all Merchant obligations arising based on this GT&C.
  4. Bank actions taken as referred to in paragraph 3 of this Article, will not eliminate the obligation of the Merchant to continue to fulfill all the requirements contained in the GT&C.

Article 16

Notice and Correspondence

  1. Correspondence or notification from the Bank to the Merchant in connection with the contents of the cooperation referred to in this GT&C will be submitted in writing via expedition, electronic mail (e-mail), telex or facsimile and will be addressed to the addresses referred to in the Form. However, specifically for transactions which according to the Bank are indicated as suspicious transactions, the Bank's notification to the Merchant can be delivered by the Bank directly or by telephone. Merchant is obliged to notify the Bank and update the data if there is a change in Merchant's address and contact number.
  2. Correspondence or notification submitted by the Merchant to the Bank in connection with the contents of the cooperation referred to in this GT&C will be submitted in writing through the media specified on the PermataQR Application or the website www.permatabank.com.

Article 17

Term and Termination of GT&C

  1. This GT&C shall be effective on the date as specified in BAST for a period of 2 (two) years and is automatically extended for the same period and so on as long as there is no confirmation of the termination of the GT&C from one of the parties.
  2. If the Merchant intend to terminate this GT&C, the notification must be given in writing to the Bank no later than 15 (fifteen) Business Days prior to the effective date of termination..
  3. The Bank, for any reason upon consideration by the Bank, has the right to terminate the provision of PermataQR services to the Merchant by deactivating and/or terminating the PermataQR system connection immediately without the obligation to notify the Merchant in advance.
  4. The termination of providing PermataQR services does not cancel or eliminate all the rights and obligations of each Party which have not been fulfilled, each Party will remain bound until the obligations are declared complete by the Parties.
  5. In the event of termination of the GT&C, the Parties agree to waive Article 1266 of the Indonesian Civil Code and accordingly, no court award is required for termination of this agreement
  6. Upon the GT&C termination, the Merchant remains responsible for the implementation of the Transaction which is carried out up to 90 (ninety) Calendar Days since the date of the last Transaction.

Article 18

Force Majeure

In the event that one of the Parties is late and/or fails to carry out its obligations in this GT&C due to Force Majeure, the Party affected by Force Majeure is obliged to notify in writing/verbally the other party in the GT&C no later than 3 (three) Business Days as of the occurrence the Force Majeure shall be resolved by deliberation leading to mutual consensus. If negligent to notify the other Party within the period, all losses, risks and consequences which may arise become the burden and responsibility of the Party affected by Force Majeure.

Article 19

Power of Attorney

  1. The Merchant in this GT&C grants power of attorney to the Bank for and on behalf of the Merchant and therefore the Bank is hereby authorized to do the following:
    1. Managing, credit/debit, and/or blocking Merchant Accounts, for the purpose of depositing Transaction funds, completing Transactions, payment of compensation, and others deemed good by the Bank in accordance with applicable laws and regula-tions.
    2. Performing other actions deemed good by the Bank in connection with the imple-mentation of PermataQR services and/or the actions set forth in this GT&C.
  2. In the event that there is an implementation of the provisions in the GT&C which requires special power of attorney from the Merchant, the power of attorney is deemed given by the Merchant to the Bank based on this GT&C.
  3. The powers of attorney granted or contained in the GT&C are irrevocable and constitute an integral part of the GT&C, which cannot be revoked, cannot be canceled and will not expire due to any cause or event as long as the Merchant still has the obligations to the Bank and the Parties hereby release the provisions of Article 1813, 1814 and 1816 of the Civil Code that applies in the Republic of Indonesia.

Article 20

Dispute Settlement and Choice Of Law

  1. Any disputes, conflicts or differences in opinion ("Disputes") arising between the Parties in connection with the implementation or based on the GT&C will be resolved or settled in the following manner:
    1. The Parties agree to settle each Disputes, to the extent possible, will be resolved or settled through deliberation or discussion leading to mutual consensus.
    2. If such Dispute cannot be settled through the apicable negotiations, thus such Dispute should be settled through the appointed mediation for the banking industry.
    3. Any Disputes which cannot be resolved either through deliberation or discussion leading to mutual consensus or through mediation in the banking sector will be settled through one of the Court of First Instance in the Republic of Indonesia in accordance with the location as determined by the Bank.
  2. This GT&C interpreted and enforced based on the provisions of laws of the Republic of Indonesia.
  3. Anything related to the GT&C along with all its consequences, the Parties have agreed to choose a general and permanent place of legal domicile at the Clerk’s Office of Court of First Instance in the Municipality/Regency as determined by the Bank.
     

Article 21

Compensation

  1. If the Merchant is neglect, is in error, and/or in violation of all Merchant obligations and provisions stipulated in this GT&C, and causes material and immaterial losses to the Bank, the Merchant himself, or other parties, then all risks and losses shall be at the expense and responsibility of the Merchant. Therefore, the Merchant shall be responsible and obliged to fully pay compensation for all risks and losses incurred and the Merchant is obliged to pay any losses and all claims that arise and the Merchant agrees that these are not the burden and responsibility of the Bank and that the Bank will not provide compensation for any claim, lawsuit, claim, claim for damages that may arise and be submitted by the Customer/QR User and/or any other party. The bank has the right to claim compensation for all losses incurred.
  2. If the Merchant does not have good faith in taking responsibility and making compensation payments as referred to in paragraph 1 of this Article, the Bank has the right to debit the Merchant Account as regulated in this GT&C or in other ways to resolve the compensation problem.

Article 22

Other Provisions

  1. The Bank has the right and authority to at any time amends the terms and conditions of this GT&C and shall be notified by the Bank to the Merchant via media that is deemed to be valid in accordance with the applicable laws and regulations, and such amends shall constitute an integral and inseparable part of this GT&C. In case of Merchant having objection with such amendment, Merchant may terminate the use of the PermataQR service by first fulfilling all of his/her/its obligations that are not yet fulfilled to the Bank under the GT&C.
  2. All taxes and duties arising in connection with the implementation of PermataQR service shall be the responsibility and are the burden of each Party in accordance with applicable tax regulations.
  3. If there are provisions that have not been regulated or changed in this GT&C, the Parties may agree to regulate it through an addendum to this GT&C, or other written document form agreed by the Parties which constitutes an integral and inseparable part of this GT&C.
  4. If a provision in the GT&C is declared as invalid and/or contradictory and/or unenforceable legally, either in part or in full, by a provision of the applicable/prevailing laws and regulations or by an authorized government agency, such contradictory or unenforceable will not affect the validity and enforceability of the other applicable provisions and do not conflict with the law, and the Parties have agreed to replace the provisions that become invalid, unlawful or unenforceable with new provisions that reflect the purpose and objective of this GT&C as far as possible.
  5. In the event that the Parties can no longer implement the GT&C, the successors or assignees of their legal rights shall be bound to all the terms and conditions as stated in the GT&C.
  6. This GT&C was made and entered into in English and in Indonesian language. The two language versions will apply equally. In the event that there is a difference in understanding in this SKU, the Indonesian version shall prevail.
  7. If there are complaints from the Customers with regard to the Bank Permata products/services, the Customer can submit such complaints via Permata-Tel with the telephone number 1500111 or through other media as determined by the Bank which can be read on the website: www.permatabank.com, by preparing the required documents related to complaints submitted.

THIS GT&C HAS BEEN IN COMPLIANCE WITH THE APPLICABLE LAWS, INCLUDING WITH REGULATION OF THE INDONESIAN FINANCIAL SERVICES AUTHORITY 

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