PT Cipta Hemat Sukses highly values the privacy of personal data belonging to users of our services and is committed to protecting their personal data in accordance with applicable laws and regulations, particularly those concerning personal data protection. This privacy policy explains how we collect, use, store, and protect your personal information. It applies to the application, all websites, and related service sites of 'KOMOPAY,' regardless of how our service users access or use them.

The moment after a user of our services accepts and agrees to this Privacy policy by registering, accessing, or using our products, services, content, features, technology or functions offered on the application, all websites,  and related service sites (collectively, “KOMOPAY” ).

This privacy policy aims to help our service users understand the information we collect, why we collect it, how we manage, and delete that information. We use the term 'personal information' to describe information that can be associated with a particular individual and used to identify that individual. This Privacy Policy does not apply to information that is anonymized so that it cannot identify specific users.

1. “Personal Data” is information belonging to the User, which identifies related information about the User concerned;
2. “Us” refers to PT.Cipta Hemat Sukses  and their authorized representatives and/or proxies;
3. “You” refers to PT Service Users. Create Economical Success;
4. “Terms and Conditions” constitute the terms and conditions of use of the Service;
5. “Services” has the meaning set out in the Terms and Conditions.
6. “Partner” is a third party who collaborates with us in providing services to clients. Such as: Notaries, Lawyers, Law firms, IPR Consultants, office service providers and other parties involved in our Services;
7. “Content” means anything on Our Services, including but not limited to plans, designs, text, graphic images, photos, images, images, videos, software, music, sound and other files, Our contact information, any other information, along with selection and arrangement;

In connection with your use of our services, here is how we collect information:

1. You or another party who has valid consent from you to provide Personal Data information in order to access our Service "KOMOPAY". The Personal Data information referred to is as follows:

• Device Information:

Once you use the KOMOPAY Service, we collect information sent to us via your computer, mobile phone or other access device. Information sent to us includes, but is not limited to computer IP addresses, device IDs or identifiers, device type, location, Camera, SMS service, mobile network information, traffic to and from the site, referral URLs, advertising data, and log data standard website and other information.

• Account Information: 

If you create an account and/or use KOMOPAY Services, we can access and collect several types of information as follows:

• • Contact information, such as full name, gender, nationality, religion, marital status, home address, telephone number, email and other similar information;
  • Financial information, such as account numbers with bank account information (to the extent that you provide to us);
  • Detailed personal information, such as your date of birth or identification number;
  • Information from other sources. We may also obtain information about you from third parties such as identity verification services and/or you may choose to give us access to certain personal information stored by third parties, such as social media sites (Google and Facebook). The information we receive varies by site controlled by your privacy settings as well as your authorization on that site. By associating an account managed by a third party with a KOMOPAY account, you authorize us to have access to such information, you agree that we can collect, store and use such information in accordance with this Privacy Policy.

• Authentication and Fraud Detection.

To prevent fraudulent activities, we may collect information about your transactions, activities and interactions with KOMOPAY Services. We may also evaluate your computer, mobile phone or other access device to identify malicious software or activity.

• Additional information

We may also collect information from you through your contact with us, including our customer service and/or responses to surveys.

1. 1. Use "cookies” when your browser accesses and you log in to use Our Services. If the status is activated (enabled), cookies will store a small amount of data on your computer about your activities in using our Services.
   2. Cipta Hemat Sukses will not trade Personal Data Information that we have obtained from the sources mentioned above through activities in the context of using our Services.
   3. In managing Personal Data, we comply with and comply with the provisions of the laws and regulations in force in Indonesia, including but not limited to Law Number 11 of 2008 concerning Information and Electronic Transactions with all its amendments and implementing regulations and/or Law Number 27 of 2022 concerning Personal Data Protection  and other related laws and regulations.
   4. You hereby agree that your failure to provide true and accurate Personal Data will make you responsible for any losses that arise, including losses for us and other third parties. In addition, for such negligence, we have the right to close access to our services.

In connection with the collection of personal data information that we have carried out, you hereby consent to us processing and using personal data information to:

1. Carry out our obligations under any existing agreements between us and you;
2. Providing services and support to you through the KOMOPAY system;
3. Process and process transactions and send notifications regarding your transactions or network activity;
4. Verify your identity, including but not limited to during the account creation and password reset process;
5. Resolving disputes and overcoming problems in the system and during transactions via KOMOPAY;
6. Detect, prevent unlawful or illegal acts or other activities, violations of our privacy policy and/or User Agreement;
7. Adjustments in the system to provide a comfortable user experience as well as to measure the performance of the KOMOPAY Services and improve their content and layout where necessary;
8. Provide marketing notifications, advertising, and/or service updates and/or provide promotional offers based on your communication preferences;
9. Disclose information if necessary and/or required by legal provisions. We will ask for your consent in writing before using information for purposes other than those set out in this Privacy Policy. We may ask for your permission when it is possible for us to share your personal information with third parties.

Any Personal Data Information that we obtain in accordance with the provisions of this Privacy Policy will be protected with our best efforts through proven security devices. However, we do not guarantee the confidentiality of the information that you submit, in circumstances where there are other parties who take and use the Personal Data from us unlawfully. We will do our best to prevent access to Personal Data by unauthorized parties.

1. Information is the main asset in the operational process at PT Cipta Hemat Sukses. Therefore, the confidentiality, integrity, and availability of information will be managed in such a way that information security can be maintained.
2. The implementation of the Information Security Management System (ISMS) at PT Cipta Hemat Sukses refers to the ISMS ISO/IEC 27001:2022 standard.
3. If there are threats and vulnerabilities that have the potential to disrupt information security, all interested parties must report to the Head of ISMS PT Cipta Hemat Sukses or a designated officer.
4. Violations of this policy and other related policies will be subject to sanctions and disciplinary action in accordance with applicable regulations.
5. Any technical policies and procedures will be created and implemented separately with reference to the principles set out in PT Cipta Hemat Sukses's General ISMS Policy.
6. PT Cipta Hemat Sukses will identify and manage risks related to information security based on threats and vulnerabilities that exist in each process and asset.
7. PT Cipta Hemat Sukses is always committed to implementing ISMS in its operations.
8. PT Cipta Hemat Sukses will communicate regarding ISMS to all employees and other related parties through existing communication media so that it is easy to understand and follow.
9. PT Cipta Hemat Sukses continues to improve awareness, knowledge, and skills related to information security for internal employees and related external parties.
10. PT Cipta Hemat Sukses will continue to improve the suitability, adequacy, and effectiveness of the Information Security Management System (ISMS) Implementation.

We will not sell, transact and market your personal data information to third parties or other parties without your consent. In this case, you have the right to ask us not to use your personal data for marketing purposes. We will notify and ask for your consent before we use your Personal Data Information for that purpose or if we intend to disclose your Personal Data Information to any third party for that purpose. You can exercise your right to object to such processing by ticking the relevant form that we use to collect your data. Even after you have given your consent for Personal Data Information to be used for marketing purposes, you have the right to withdraw your consent by confirming it in writing to us.

PT Cipta Hemat Sukses is committed to implementing it Information Security Management System(ISMS) with international standards with the aim of providing protection for confidential information so that its confidentiality is guaranteed. In its implementation PT.Cipta Savings Success is committed to making it happen Confidentiality Integrity,and Availabilityinformation through implementation based on ISO/IEC 27001:2022, complying with all provisions and regulations relating to information security that apply in the territory of the Republic of Indonesia and carrying out continuous improvements to the implementation of ISO/IEC 27001:20122.

This Privacy Policy may be changed and/or updated in the future without prior notice. We urge you to read carefully and check this Privacy Policy page from time to time for any changes that may occur. By continuing to access and use the KOMOPAY Website and Services, users are deemed to agree to the changes in this Privacy Policy.

If you have questions and/or complaints regarding this Privacy Policy, you can contact us via email: halo@ciptasukses.id or WhatsApp:  0895-2967-3821.