Privacy Policy

The terms used in these Terms and Conditions have the following meanings:

1. “Account” means any account in the name of the User registered on the App.

2. “You” or “User” means any person who accesses and uses, and has registered on, the App.

3. “The Parties” means GPAY and the User collectively, and “Party” means each of GPAY or the User.

4. “Terms and Conditions” means the agreement between GPAY and the User regarding the terms and conditions in connection with the use of the App.

1. We collect the Information Obtained (including Personal Data) so that the App can be used in accordance with its intent and purpose, to support the efficiency of the App and to improve the quality of services within the App.

2. The Information Obtained includes Personal Data and other information you provide directly or that is collected automatically through your use of the App, when you contact or email Us or communicate with Us via social media, and when you participate in Our events or promotions through Our parent company, subsidiaries, affiliates, as well as business partners and other third parties.

3. The Information Obtained that you provide directly to Us includes Personal Data you provide during the Account registration process, including but not limited to name, address, phone number, email address, date of birth, and other information determined by GPAY from time to time.

4. The Information Obtained that is collected automatically when you use the App includes your internet protocol address, login information, geolocation, operating system and browser version of the electronic device you use to access the App, data traffic, site records, and other communication data.

5. We may track and collect a User’s geolocation information in real-time. We may ask the User to activate the Global Positioning System (“GPS”) on the User’s electronic device so that We can give you a better experience in accessing or using the App. The User may deactivate the GPS on the User’s electronic device, provided that access to or use of the App may be affected or interrupted.

1. We may use the Information Obtained (including Personal Data) for the following purposes as well as other purposes permitted by applicable law and/or regulations:

a. to identify and register you as a User;

b. to create, administer, verify, deactivate and/or manage the User’s Account;

c. to provide services on the App, including but not limited to carrying out electronic transactions, payments, or certain verifications required in connection with such electronic transactions or payments;

d. to provide notifications or information related to the use of the App, including any updates or changes to the App;

e. to enable the User to use interaction or communication features, including services to answer questions and/or complaints, with GPAY through the App;

f. to ensure that the contents, content, and all information on the App are displayed in the most effective way for the User and the electronic device the User uses;

g. to monitor and/or analyze the use or management of the App to support the efficiency and effectiveness of the App and its other functions, including the App usage patterns and the various services available within it;

h. to repair, improve the quality of, and/or develop services on the App, including the security of GPAY’s electronic systems;

i. to carry out business processes and functions or other business activities by Us and/or Our affiliates conducted reasonably and properly;

j. to provide assistance in connection with efforts to resolve operational and technical problems on the App;

k. to prevent, detect and/or investigate any prohibited, unlawful, illegal activity or any form of fraud, including suspicious transactions, fraud, money laundering, and/or terrorism financing;

l. to generate analytical information and data for testing, research, analysis, product development, commercial partnerships and cooperation;

m. to facilitate certain transactions or activities of GPAY and/or GPAY’s affiliates;

n. internal and external audits of GPAY;

o. to enable GPAY to comply with all obligations under applicable laws and regulations.

2. The Information Obtained (including Personal Data) will only be stored for as long as necessary to fulfill the purpose of its collection, or for as long as such storage is required or permitted by applicable laws and regulations. We will cease storing the Information Obtained as soon as it is deemed that the purpose of collecting and storing such Information Obtained is no longer required for a reasonable or legally mandated purpose.

1. We do not sell your Information Obtained (including Personal Data) to other third parties. The provision or disclosure of the Information Obtained (including Personal Data) is only carried out in connection with the following matters:

a. To improve the performance and quality of the App and develop App features, including to carry out maintenance and management of GPAY’s systems, devices, and networks, GPAY may provide or disclose the Information Obtained (including Personal Data) reasonably required to GPAY’s affiliates, GPAY’s investors or prospective investors, and/or third parties.

b. The provision of relevant Information Obtained (including Personal Data) to consultants, auditors, service providers, or professional advisors.

c. GPAY may provide or disclose the Information Obtained (including Personal Data) to partners or other third parties that assist Us in delivering services on the App and processing all forms of user activity within the App, including processing transactions, payment verification, issue resolution, and others.

d. GPAY may provide or disclose the Information Obtained (including Personal Data) to partners or other third parties, including other applications or sites integrated with the App where We have collaborated in connection with promotions, contests, or other dedicated services.

e. Required by a court order or ruling, an order or decision from an authorized institution, to comply with applicable laws and regulations, or in the event of legal proceedings, taking further preventive action in connection with unauthorized activity, or alleged criminal acts or legal violations.

2. We will make reasonable efforts to delete Personal Data that need not be associated with you before providing or disclosing the Information Obtained (including Personal Data).

3. We may remove certain parts of Personal Data that can identify the User so that it becomes anonymous data, and disclose such anonymous data to third parties. We may also combine Personal Data with other information in such a way that the information is no longer associated with the User, and then provide or disclose such combined information to third parties.

1. The confidentiality of Personal Data is very important to Us. We endeavor and will always take steps reasonably necessary to protect the security of the Information Obtained (including Personal Data). However, We cannot fully guarantee that Our systems are entirely impenetrable to viruses, malware, disruption, hacking, legal violations, or unauthorized access by third parties.

2. You are prohibited from providing or disclosing your identity (ID) and/or your password to any other party and must always maintain the security of the electronic device you use.

You have the right to access and/or change the Personal Data stored at GPAY by submitting an access request to GPAY in accordance with applicable procedures, namely through the email address: hello@gaja.id. GPAY will respond to such requests on every Business Day from 08.00-17.00 WIB.

1. This Privacy Policy is a unity and an inseparable part of the Terms and Conditions.

2. Unless expressly stated otherwise or the context dictates otherwise in this Privacy Policy, the terms defined in the Terms and Conditions shall, when used in this Privacy Policy, have the same meaning as defined in the Terms and Conditions.

3. This Privacy Policy may be amended and updated at any time and without prior notice to you. We recommend that you carefully read and check this Privacy Policy page from time to time to be aware of any changes. By continuing to access and use the App, you are deemed to agree to the changes in the Privacy Policy.

4. The provisions regarding ‘Miscellaneous Provisions’, ‘Governing Law and Dispute Resolution’ and ‘Contact Us’ in the Terms and Conditions apply (or are deemed to be regulated) in this Privacy Policy by reference to those provisions.