Your Partner, Your Friend
General Info
Corporate Governance

Terms and Condition


1. Introduction

The present Terms of Use (hereinafter - “Terms”) govern your use of our website Radana Integrated Service System (hereinafter - “Website”) which is administrated by PT Radana Bhaskara Finance Tbk (hereinafter - “Company”).

The cCompany is a financing company registered with the Financial Services Authority (“OJK”) engaged in conventional and sharia financing services including investment financing, working capital financing, multi-purpose financing, other financing business activities based on OJK approval, operating leases, buying and selling financing, and service financing. Website is a medium for prospective customers to obtain information or submit financing application to the Company. You hereby represent that you provide the Company with all true and correct information that we need to consider and assess your credibility and ability to fulfill the terms and repayment of the financing facility.

This Terms, along with any additional terms and conditions that are referenced herein or that are presented elsewhere on the Website in relation to a specific service or feature and Privacy Policy, set forth the terms and conditions that apply to your use of the Website.

If you disagree with this Terms or any part of this Terms as well as with Privacy Policy, you must not use our Website. By using the Website, you agree to follow the present Terms and Privacy Policy.

You must be at least 21 years of age or legally capable to use the Website. By using Company’s Website, consequently, agreeing to this Terms, you warrant and represent that you are at least 21 years age or legally capable.

2. Website Contents

The Website contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, photographs, trademarks, logos, video, images, graphics, music and sound, software, and the Website as a whole (hereinafter - “Content”). Content is an intellectual property duly copyrighted by the Company or by its partners. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the Content, in whole or in part. You may download copyrighted material for your personal use only for noncommercial purposes. No other use of Content is permitted. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express permission of the Company. In the event of any permitted copying, redistribution or publication of copyrighted material, no changes in or deletion of author attribution, trademark legend, or copyright notice shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material.

Except for this limited license, nothing in this Terms transfers to you any right, title or interest in any Content. The downloading or export of software or technical data from these Website to any jurisdiction is strictly prohibited. The Company reserves the rights to change, suspend, restrict or discontinue any aspect of the Website at any time, including any Website feature, service or Content.

3. Services

The company provides services of:

  1. Providing a platform to inform prospective debtors who intend to obtain financing facilities from the Company;
  2. Take action in a sequence in the form of selecting, analyzing, and approving financing applications submitted by prospective debtors. The Company has the right to display, change, delete, remove or add any content contained on the Website, as well as all the Services provided by the Company.

4. Use of The Website

  1. The information contained in the Website is presented in a realistic manner for general information purposes. The Company strives to always provide and display up-to-date and accurate information, but the Company does not guarantee that any information is timely or relevant to your needs.
  2. It is expected that you do not assume or assume that this Website can be used as financial advice, or recommendations for the products and services displayed. The information on this Website is provided to assist you in choosing a product or service that suits your needs. You are solely responsible for decisions regarding the selection of products and services, or in entering into contracts relating to a product or service.
  3. The services the Company provides are not coercive, and do not require you to take any decision. There is no situation or circumstance that can make the Company liable for the possible losses you may incur due to your own decision making regarding the action on the product information that the Company conveys on the Website.
  4. You promise to make only lawful use of the Website. You promise not to post, upload or transmit any unlawful, threatening, defamatory, libelous, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense or give rise to civil liability, or otherwise violate any law.
  5. Only you can use your account and you promise not to authorize other people to use your account. You may not assign or transfer your account to another party. You must maintain the security and confidentiality of your account password and any identification we provide to you. In the event of disclosure of your password, in any way, resulting in any unauthorized or unlawful use of your account or identity, orders received from such unauthorized or unlawful use will still be considered valid orders, unless you notify us prior to the unauthorized or unlawful instruction.
  6. The proposed financing facility application will go through an examination procedure by the Company. The Company does not guarantee that your application for financing facilities will be granted. The Company reserves the right to determine the amount of financing that will be granted from the submitted application. The Company's decision to provide financing facility is based on Company assessment on the financing risk, and the Company has no obligation to provide an explanation regarding the rejection or adjustment of the financing amount.

5. Web Site Errors

The Company attempt to provide the most recent, accurate, and reliable information on Website. However, there may be occasions when information featured on our Website may contain typographical errors, incomplete data, inaccuracies and/or any unintentional errors. We reserves the right to correct errors and to update the information at any time.

6. User Comments and Submissions

The Company welcome your comments regarding our Website, our products and our services. However, any information you transmit to the Website is not, and will not be treated as private, confidential or proprietary. We may make unrestricted use of any information you transmit to us through the Website. This may include personal information about you and your use of the Website. Please review our Privacy and Security Policy for more information.

7. Disclaimer

The Company cannot guarantee that your use of the Website, the operation of the Website, or any services offered on the Website will be uninterrupted or error free, that defects will be corrected, or that the Website are free of viruses or other harmful elements. As a user of the Website, your access is undertaken at your own risk. We shall not be liable for damages of any kind related to your use of or inability to use the Website, even if they knew or should have known of the potential for such damages.

If you are dissatisfied with the Website, any Contents, or any of the terms, we would like to hear from you. However, your only legal remedy is to stop using the Website.

8. Changes to Terms

Please read this Terms of Use regularly, as they may change at any time. We will post a notice on our Website to notify you of any significant changes to our Privacy and Security Policy and indicate at the top of the policy when it was most recently updated. We encourage you to periodically review our current Privacy and Security Policy. The continued use of the Website after receipt of this notice will constitute your consent to and acceptance of the amendments.

9. Limitations of Liability

In no event will the Company or its suppliers be liable for any indirect, incidental, special, consequential or punitive damages of any kind, including but not limited to damages for loss of profits and the cost of procurement of substitute goods and services (collectively, indirect damages) arising out of or in connection with the Website, Company’s services, Privacy and Security policy, or this Terms (however arising, including negligence), even if the Company had been advised of the possibility of such damages, without limiting the foregoing, the Company will not be liable for indirect damages arising out of or in connection with: THE USE OF OR THE INABILITY TO USE THE WEBSITE, OR MESSAGES RECEIVED THROUGH THE WEBSITE; OR TRANSACTION MADE THROUGH THE WEBSITE; OR LOSS OF, UNAUTHORIZED ACCESS TO, OR ALTERATION OF USERS TRANSMISSIONS OR DATA.

10. Indemnification

You agree to indemnify, defend, and hold the Company, its affiliates, its associated companies, its related bodies corporate, its officers, its directors, its shareholders, its employees, its consultants and its agents, harmless from all claims, demand, liability, damages, and costs (including, but not limited to, legal fees on a full indemnity basis) arising from or in connection with

  1. your use of the Website;
  2. your failure to comply with this Terms of Use;
  3. your violation of any applicable law;
  4. any action taken by the Company pursuant to any instructions, notice or requests given by you; and
  5. the enforcement of the Company’s rights against you under the Terms of Use.

11. Miscellaneous

1. The Company display these Website and the Content solely to market and promote products and services in the jurisdiction of the Republic of Indonesia. This Terms shall be construed according to the current legislation of Republic of Indonesia.

2. If any provision of these Terms, or any portion thereof, is found to be unenforceable, it shall be enforced to the maximum extent permissible so as to affect the intent of the Terms, and the rest of the Terms shall remain in full force and effect. These Terms are the entire agreement between you and the Company.

3. This provision does not constitute a financing agreement between you and the Company. The terms and conditions of the financing agreement will be agreed upon after the application is approved.

11. Termination

Your failure to comply with this Terms automatically revokes your authorization to use the Website and terminates all rights granted to you under the Terms. Your obligations to the Company shall continue upon termination of your rights under the Terms, including restrictions regarding the Content, disclaimers and liability limitations under the Terms. If your rights are terminated, you must promptly destroy all Content obtained from this Website, as well as all copies of Content.

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