Terms and Conditions

This page is the latest version which was updated on 23 October 2025.

WELCOME! Thank you for using and accessing Kyrim Services through the Kyrim Platform/Website.

This page is a provision for all individuals or individuals, and/or other forms of legal subjects (hereinafter referred to as "You" or "Users") who access, register to become users, and use the services provided by PT Kiriman Dana Pandai ("We" or "Company") and/or other platforms that We publish or through other official platforms from Partners through which you can access some or all parts of Our Services, and for any party who submits requests or provides information to Us, Our affiliates, or to Partners related to any or all of Our Services. You hereby declare and acknowledge that you have read, studied, understood, and agreed to all the provisions set out in these Terms and Conditions of Use of Kyrim Services (hereinafter referred to as "Terms and Conditions of Kyrim Services" or "Terms and Conditions").

These Terms and Conditions constitute a valid agreement between you or the User and Us. The invalidity of any other terms and conditions shall not render these Terms and Conditions invalid, void, and/or unenforceable. The User understands and agrees that in providing Kyrim Services (as defined below), We may collaborate with other third parties, including but not limited to payment service providers and other financial services licensed by the competent authorities. The User hereby acknowledges that in certain services, We may act as an intermediary and are not responsible for any service failures caused by such third parties.

By using the Services as referred to in these Kyrim Terms and Conditions, you are deemed to have understood and agreed to be bound by and comply with all provisions of these Kyrim Terms and Conditions. If you do not agree to any, part, or all of these Kyrim Terms and Conditions, you are not permitted to access, register, and/or use our Kyrim Services/Platform/Website.

DEFINITIONS

1. “Account” means a record or collection of information related to you stored on the Platform (as defined below), which you can use to access and/or use the Kyrim Services and to record, monitor, and/or view all transactions and/or activities that you carry out through or using the Platform and distinguish you from other Users.
2. “You or User” means an individual or persons, business entity, and/or legal entity registered on the Platform and acting as a user and sender of Funds by providing a Fund Transfer Order to Kyrim via the Platform.
3. “Kyrim Platform Fee” means the fee charged to the User for using the Kyrim Platform.
4. “Funds” means money used to carry out a Fund Transfer Transaction and handed over to Us, to then be forwarded to the Recipient after the Fund Transfer Order is approved and executed by Us.
5. “Feature” means including a special function or capability created, developed, and/or managed by Kyrim, and can be used, enjoyed, and/or utilized by the User through the Kyrim Platform.
6. “Business Day” means a day on the Gregorian calendar, other than Saturday, Sunday, official national holidays, and other days designated by the Indonesian government as holidays, where banks in Indonesia operate commercially.
7. “Applicable Law” means any national law, local province, municipality or other law, agency regulations, decisions, constitutions, decisions, rules, binding government policies, and statutes in the Republic of Indonesia.
8. “Kyrim Services” or “Services” means including Fund Transfer Services by Kyrim accessible through the Platform, or other services that may be changed and/or added from time to time.
9. “Fund Transfer” is a series of activities starting from the creation of a Fund Transfer Order by the User via the Kyrim Service until the Funds are received by the Recipient.
10. “Recipient” means the individual, business entity or legal entity named in the Fund Transfer Order to receive the Funds.
11. “Fund Transfer Order” means the final instructions given by the User to Kyrim to transfer a certain amount of Funds from the User to an account at a banking or non-banking institution belonging to the Recipient listed in the Fund Transfer Order.
12. “Platform” means the software and/or portal site that can be accessed by you or Users that We develop to: (i) provide Kyrim Services to Users; (ii) Users find services provided by other third parties who collaborate with Kyrim; and/or (ii) other functions needed to support the Service ecosystem.
13. “Website” means a page or site belonging to us that can be accessed by you or users via the internet using a web browser at the address www.kyrim.co.id.

ACCOUNT CREATION

In order to access and use the Kyrim Services, you must register and create and account on the Kyrim Platform.

Account creation procedure:

1. Go to the website https://kyrim.co.id/;
2. Select the "Try It Free" menu;
3. Enter your or your User's data/information, at least:
   1. Full Name;
   2. Telephone/Mobile Number;
   3. Email Address;
   4. Company/Business Name;
   5. Company Website (if any);
   6. Account Password;
4. Verify your account by entering the OTP code sent to your registered email address no later than 5 (five) minutes after receiving the OTP code;
5. Enter your PIN code used for transactions on the Kyrim Platform;
6. Create a security question and complete the answer to ensure the security of your account during account recovery;
7. If your account is successfully verified, your account is now active. You can access the Kyrim Platform using the email and password you have created/registered.

By creating an Account, you represent that you are of sufficient legal age to perform legal acts and/or are legally responsible for your actions, or are deemed legally competent under Indonesian law and the laws of any applicable jurisdiction. If you are acting as an employee, agent, or authorized representative for and on behalf of another individual, organization, business entity, legal entity, or other agency, you hereby represent and warrant that you are authorized to represent that individual, and these Terms and Conditions will be binding on the person you represent. If you are found to be legally incompetent, including but not limited to being a minor, under guardianship, or not an authorized representative, you are not permitted to use the Kyrim Services available on the Platform/Website without the assistance and consent of your guardian. You and/or the person you represent are hereby fully responsible for all actions you take using the Kyrim Services.

You are responsible for maintaining the confidentiality of your password and Account, and agree to notify us if your password is lost, stolen, disclosed to an unauthorized third party, or falls into unauthorized hands.

If your account has already been registered on the Platform, you cannot register another account using the same company data as your registered account, unless we give you permission to do so.

We may, at any time, without prior approval, delete or reject the creation and registration of an account by you or any other user if, based on our judgment or policy, the information or data you provide is inconsistent, or if it is proven that your account represents someone other than yourself, or does not represent the business/company registered on the account. You must agree to provide and update accurate, current, and complete information about your account.

When creating an Account, you are not permitted to:

1. provide false information to Us or create an Account for another person, company, business entity, or agency without the valid consent of that person, company, business entity, or agency;
2. use a business name or email address or mobile phone number belonging to another person, company, business entity, or agency with the intent to impersonate;
3. use a business name or email address or mobile phone number that is subject to the rights of another person without proper authorization; or
4. use or link financial instruments belonging to or in the name of a party other than you or your company to the Kyrim application.

We reserve the right to suspend or terminate your Account if you are found to have violated any or all of the provisions of these Kyrim Terms and Conditions.

Anda bertanggung jawab untuk kegiatan yang terjadi dalam Akun Anda. Jika Anda memiliki alasan untuk percaya bahwa Akun Anda tidak lagi aman, maka Anda harus segera memberitahukan Kami melalui layanan pengaduan dan penangan keluhan pengguna dengan email support@kyrim.co.id.

ACCOUNT AND VERIFICATION TERMS

In order to access and use the Kyrim Fund Transfer Service, you are required to first verify your Account in order to implement the principle of knowing your customer (“Know Your Customer” or “KYC”) by providing your personal data and/or company data (“Customer Due Diligence” or “CDD”) completely and honestly as stipulated in applicable laws and regulations or other legal provisions, including but not limited to:

You or the User are also required to provide identity documents for the purposes of verification and identification of the above information, in the form of but not limited to:

If you are unwilling to provide additional information, we reserve the right to reject your account registration if you do not meet the required data requirements.

Verification of your personal and/or company data, as referred to in these provisions, is carried out by directly verifying the data and information administered by relevant government agencies, such as, but not limited to, the Directorate General of Population and Civil Registration, Ministry of Home Affairs of the Republic of Indonesia, or through a third party collaborating with us ("Partner"), namely PT Verihubs Inteligensia Nusantara ("Verihubs"). If your personal data is verified as accurate, you may continue using the Kyrim Service and transact using your account on the Platform.

If there are any changes to any information or data related to you, you must immediately update such information in your account. You warrant that all information and data recorded in our system is the most up-to-date.
We may at any time request personal and company information, as well as other documents required in the event of an inspection, investigation, or request from regulators or other law enforcement agencies, and in the event of changes to these Terms and Conditions. If you are unwilling to provide the additional information requested, We reserve the right to limit your use of the Platform and its Features, including rejecting your Account registration without prior notification and approval from you.

In using your Account, you are prohibited from taking any actions, including within or through the Platform:

1. that could damage or impair Our reputation;
2. taking any actions that could directly or indirectly disrupt or damage the Platform's operating system;
3. transferring and/or selling your registered Account to another party without Our consent.

You are responsible for the security and confidentiality of your Account, including your email address, password, and any verification codes generated and sent by Our system or a third-party system We designate.

You hereby acknowledge that We are not responsible for any losses or problems arising from misuse of your Account resulting from your negligence or error. If there are indications of misuse of your Account, We can only assist you by investigating, suspending, or terminating access to your Account after you notify Us of the matter through our user complaint and handling service or other communication channels We provide from time to time.

To maintain the security and smoothness of transactions using Kyrim Services, you can have different User Account roles according to your needs when accessing your Account through the Platform. Here are some Account roles you can define on the Platform:

 

TRANSACTION AND FINANCING TERMS

1. We strongly recommend that you always check the details of your Fund Transfer Order before making a Fund Transfer Transaction on the Platform. Fund Transfer Transactions that you have initiated and have been processed by the Kyrim Service cannot be canceled.
2. Access to the Service, or certain features of the Service, may require you to pay fees to Kyrim and, as may be applicable, to other Service Providers.
3. Your Fund Transfer Order will be processed by the Kyrim Service if you have made a payment or deposited funds, according to the payment method and procedures you have selected and as required by the Platform.
4. You are required to make payments according to the amount stated on the Platform, including the unique payment code. The unique payment code is a number (usually 3 digits) added to the total amount of your Fund Transfer Transaction for the purpose of automatic identification and verification of the transaction by the Kyrim Service system. The unique payment code also helps prevent misuse of funds and ensures that the funds paid are used only for the relevant Fund Transfer Transaction.
5. The funds you have deposited with us will only be used to carry out the Fund Transfer Transaction based on your Fund Transfer Order.
6. You understand that the Fund Transfer Transaction will be assisted by Partners, including banks, payment service providers, or other financial services institutions (as relevant). Therefore, you hereby release Us from responsibility for any errors or delays in processing Fund Transfer Transactions if such errors are not caused by anything other than Us.
7. We reserve the right to withhold or refuse to execute a transfer based on a Fund Transfer Order if:
   1. You do not make the payment as referred to in point 4.4 of these provisions within the specified time and conditions;
   2. The amount of funds you pay is insufficient or does not match the payment amount specified in provision 4. Terms of Transaction and Use of the Kyrim Service.
   3. Based on the results of Our investigation, there is a suspicion that the transfer contains elements of fraud or a criminal act or other violation of the law;
8. You understand that in accordance with Applicable Law, there are certain transactions that We are required to report to the relevant government agencies.
9. If the Fund Transfer Transaction is successful, We will issue a notification and proof of the successful Transaction on the platform through your Account.
10. If the funds you have paid to us are incorrect and your Fund Transfer Order is not processed by the Kyrim Service system, you may request a refund of the amount you have paid.
11. The deadline for your refund request is 60 (sixty) days from the date we receive your payment.
12. We will process your refund within 24 business hours of the date the request is approved. For each refund request, you will be charged a service fee as specified on the Platform. The service fee as referred to in these provisions will be directly deducted from the total funds refunded to you.

REPRESENTATIONS AND WARRANTIES

You unconditionally and irrevocably represent and warrant that:

1. If you register or download the Platform on behalf of a legal entity, civil partnership, or other entity other than yourself, you hereby represent and warrant that you have the legal capacity, right, and authority to act for and on behalf of such legal entity, civil partnership, or other entity, including but not limited to binding such legal entity, civil partnership, or other entity to comply with all of these Terms and Conditions. You also warrant that the Kyrim Services, Platform, and Account will be used for your own benefit or for the benefit of the legal entity, business entity, civil partnership, or other party you legally represent.
2. You are legally competent (not under any legal disability), are not under any coercion or threat (not impaired will), and have the power and authority to agree to, comply with, bind yourself to, and carry out all duties and responsibilities stipulated in these Terms and Conditions.
3. The funds used are not obtained illegally or in connection with any criminal act, including but not limited to money laundering, corruption, and other crimes under Applicable Law, and you have the right or authority to issue a Fund Transfer Order. You are fully responsible for the accuracy of any information you provide to Us and are liable for civil and criminal liability if any statement is inconsistent with the actual situation.
4. You hereby release Us from all liability and are obligated to compensate for all losses We incur due to the use of the Platform for unlawful acts, including but not limited to money laundering, terrorism financing, corruption, and other crimes under Applicable Law. All Data, whether you have submitted or included, or that you will submit or include in the future or from time to time, is true, complete, accurate, current, and not misleading, and does not violate the rights (including but not limited to intellectual property rights) or interests of any party. Your submission of Data to Us or through the Platform does not conflict with Applicable Law and does not violate any deed, agreement, contract, agreement, or other document to which you are a party or to which you or your assets are bound.
5. By using Kyrim Services through the Platform, you understand that all communications and instructions from you received by Us will be treated as valid evidence, and thus, you agree to indemnify and hold Us harmless from all losses, responsibilities, claims and expenses (including litigation costs) that may arise in connection with the execution of your instructions.
6. If you access and use the Kyrim Services through a third-party platform/service, you may be asked to agree to the terms and conditions associated with the services/platforms provided by such third parties before or at the time you access and use the Kyrim Services through such third-party services/platforms
7. If you access and use the Kyrim Services through such third-party services/platforms, we may be required to disclose and transmit data and information related to your use of the Kyrim Services, including, but not limited to, payment transaction data and status, and/or other relevant data related to your use of the Kyrim Services, to such third parties for the purpose of providing the Kyrim Services through such third-party services/platforms.
8. You hereby understand and acknowledge that by accessing and using the Kyrim Services through such third-party services/platforms, you have given us your consent to disclose and transmit the data and information as referred to in point 5.7 above to such third parties for the purpose of providing the Kyrim Services through such third-party services/platforms.
9. Please exercise caution when using services/platforms from third parties other than ours. Please ensure that the Payment Services you use are provided by a third party who is our official partner. In the event of any errors, mistakes, violations, or other unlawful acts arising from the negligence of such third party, we are released from any responsibility or claims of any kind from anyone.

YOUR PERSONAL AND COMPANY DATA

We will always protect your personal data and company data by referring to these Terms and Conditions and Applicable Laws. Further provisions regarding the security of your personal data and company data can be accessed through Our Privacy Policy which is an integral part of these Terms and Conditions.

UNAUTHORIZED ACTIVITIES

Our Services may only be used and accessed for lawful purposes. You agree that you will not do any of the following while using or accessing the Services: (i) attempt to access or search for the Services or download content from the Services through the use of any engine, software, tool, agent, device or mechanism (including without limitation, robots, crawlers, data mining tools or the like) other than the software and/or agents provided by us or generally available third party web browsers; (ii) access, tamper with, interfere with or use non-public areas of the Services, our computer systems, or the technical delivery systems of our providers, including without limitation by uploading or distributing viruses, adware, spyware, worms or other malicious code; (iii) collect and use information, such as other users’ names, real names, email addresses, or other information available on the Services to send unauthorized advertising, junk mail, spam or other unsolicited material; (iv) use the Services for any commercial purpose or for the benefit of any third party or in a manner not permitted by the Terms; (v) violate any applicable law or regulation; or (vi) encourage or enable any other individual to do any of the foregoing; or (vii) interfere with any other user's enjoyment of the Services, including without limitation by (a) making unsolicited offers or advertisements to other users of the Services or (b) attempting to collect personal information about other users or third parties without their consent. We reserve the right to investigate and prosecute violations of any of the foregoing and/or involve and cooperate with law enforcement authorities in prosecuting users who violate the Terms.

ACCESS RIGHTS RESTRICTIONS. ACCOUNT SUSPENSIONS, AND ACCOUNT CLOSURES

1. These Terms and Conditions will be valid for an indefinite period until terminated for reasons specified in the Terms and Conditions.
2. We, with our own authority, may temporarily restrict access rights and suspend your Account, which will result in you being unable to access your Account temporarily or permanently without prior notice for the following reasons (“Reasons for Suspension”):
   1. Violation of the Terms and Conditions committed from your Account;
   2. Violation of Applicable Law committed from your Account;
   3. Suspected Fund Transfer Transactions that contain elements of fraud or other criminal acts;
   4. Other reasons that have the potential to harm us either directly or indirectly; or
   5. No activity on the account for more than 9 months.
3. After We have restricted access rights and/or suspended the Account, We will notify you as soon as possible via e-mail along with the reason for the restricted access rights and/or suspended Account. Based on the results of the investigation that We have conducted, We will decide to restore Your Account to its original state after the completion of the Reason for Suspension, or to permanently terminate Your access and You understand that all losses suffered by You during the suspension of the Account are Your full responsibility.
4. We also have the right to close your account for a certain period of time or permanently based on considerations or decisions that we deem appropriate, for the following reasons ("Reasons for Closure"):
   1. Official request from you through the official complaint channel on the Kyrim application and/or website, by fulfilling the terms and conditions provided by Us;
   2. In the event that the User dies, or the company, business entity, legal entity or civil partnership that the User represents is declared or requested to be bankrupt or liquidated or is in a state of bankruptcy or liquidation;
   3. There are indications of fraudulent transactions/indications of money laundering/funding of terrorist activities that you have carried out (either based on the results of our investigation and/or based on investigations by the police and/or third parties)
   4. Termination of Kyrim's operational activities for any reason
5. In terms of:
   1. If a user dies, the family/heir who wishes to apply for account closure must attach the following complete documents via the Assistance route:
      1. Photocopy of User's Death Certificate;
      2. Photocopy of User's ID card;
      3. Photocopy of User's family card;
      4. Photocopy of the ID card of the family/heir who is applying for closure;
      5. Photocopy of Family Card of the family/heir applying for closure; and
      6. Photocopy of the certificate of heirs as acknowledged by the sub-district/district office;
   2. If the company, business entity, legal entity or civil partnership that the User represents is declared bankrupt, then We have the right to act in accordance with the request or order submitted by the authorized body in accordance with applicable laws and regulations, and have the right to submit a request for documents regarding the User's status and other related matters that We deem necessary.
   3. In connection with the conditions as stipulated in Articles 8.6.1 and 8.6.2 above, We will only close your Account after We have declared all the required documents above to be complete and adequate.
   4. The User hereby declares that We will be released from all bills, demands, lawsuits, cases and actions in any form in connection with the closure of the Account, including those filed by heirs, executors, administrators or any third party.
   5. In the event of access rights restrictions, suspension and/or Account closure as referred to in Article 8.2 - 8.5 of these Terms and Conditions, you cannot use the Kyrim Service and Fund Transfer Orders that have been previously given to Us will not be executed as long as your Account is still in the period of access rights restrictions and/or suspension.
   6. Suspension and/or closure of your Account temporarily or permanently does not restrict Us from claiming compensation, reporting to authorities, and/or taking other actions that We deem necessary to protect Kyrim's interests.
   7. In connection with the closure of your Account, you and we agree to set aside the provisions of Article 1266 of the Civil Code, insofar as it requires a court decision to close the Account and/or terminate these Terms and Conditions.

INDEMNIFICATION

You agree to indemnify and hold Kyrim and its officers, directors, employees, consultants, advisors, affiliates, subsidiaries and agents harmless from any and all claims, costs, damages, liabilities and expenses (including without limitation attorneys’ fees) made against us in connection with or arising out of (i) your access to or use of the Services, (ii) your violation of the Terms or any applicable law or regulation, (iii) your violation of any third party rights, including without limitation any intellectual property right or right of publicity, confidentiality, property or privacy; or (iv) any dispute or matter between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (and without limiting your indemnification obligations with respect thereto), and you agree to cooperate with our defense of such claims.

LIMITATION OF LIABILITY

1. We always strive to keep Our Platform safe, comfortable, and functioning properly. However, We cannot deny the possibility that Our Platform may be inaccessible, under maintenance, or experiencing problems that We will fix as soon as possible. Your use of the Platform, Features, Kyrim Services, and the content therein is at your own risk. We provide this Platform to you on an "as is" and "as available" basis.
2. We disclaim any warranty that the application and its features will operate without interruption or that the application and its features will be free from minor defects or errors that do not materially affect such performance, or that any features contained in the application are designed to meet all of your requirements.
3. Any damage that occurs to your computer network, mobile phone, application or other device due to the use of the Platform is your sole responsibility, to the extent permitted by Applicable Law.
4. To the extent permitted by Applicable Law, We hereby assume no responsibility and you agree not to file a claim against Us for any consequences, losses and/or damages that occur due to but are not limited to:
   1. (i) Loss of use; (ii) loss of profits; (iii) loss of revenue; (iv) loss of data; (iv) loss of anticipated profits, in each case whether direct or indirect;
   2. Indirect, immaterial, incidental, special or consequential losses, arising out of or in connection with the use or inability to use the Kyrim Platform, Features, Services, including, without limitation, any losses resulting therefrom, whether or not Kyrim has been advised of the possibility of such losses;
   3. Your error in providing a Fund Transfer Order, including but not limited to errors in Recipient data, errors in the amount of funds, and duplicate Fund Transfer Orders due to your error entering our system, resulting in duplicate Fund Transfer Transactions;
   4. Your negligence in maintaining the security and confidentiality of your Account password, Transaction password, OTP and/or other security system codes that function to authenticate an action taken by you;
   5. The underlying transaction for the transfer of funds between the User and the Recipient;
   6. Failure to implement a Fund Transfer Transaction based on a Fund Transfer Order due to the difference in the nominal amount transferred to Kyrim to be forwarded to the Recipient or the User's negligence in paying the total Funds and Kyrim Platform Fees to the account We specify;
   7. Failure to implement a Fund Transfer Transaction based on a Fund Transfer Order because if implemented it would violate an Applicable Legal Provision;
   8. The existence of an order from an authorized government agency or based on an Applicable Legal provision, requires Kyrim to stop processing the related Fund Transfer Transaction;
   9. Account Blocking based on an order from an authorized government agency or required to be carried out by Kyrim based on an Applicable Legal provision;
   10. Inaccuracy or incorrect information submitted by the User;
   11. Negligence or errors made by you while accessing and/or using the Platform and/or Features;
   12. Use of the Platform and/or Features that is not in accordance with these Terms and Conditions or other derivative provisions;
   13. Disruptions, bugs, inaccuracies and defects in the Platform as long as We have made reasonable efforts necessary to repair the Platform;
   14. Damage to your computer network, mobile phone or electronic device due to the use of the Platform and/or Features;
   15. Your negligence in maintaining the security of your Account including if there is misuse of your Account by another party who has access to your Account;
   16. Viruses or other harmful things obtained by accessing Kyrim; and
   17. Hacking by a third party to your Account;
   18. Events or causes beyond Our control or ability, including but not limited to natural disasters, war, riots, hardware conditions, failure of electronic infrastructure or transmission systems, power outages, telecommunications disruptions, failure of the clearing system or other things determined by Bank Indonesia or other authorized institutions
5. We will take reasonable steps to help resolve the issues you face in the event of a transaction error through the Platform that arises due to your negligence.
6. In the event of a direct loss that you suffer when using Our Platform that can and has been proven by either you or us that the loss was caused by our error or negligence, then our obligation to you is limited to the amount of the transaction that has been paid. The amount that we will be responsible for the actual (material) loss is only limited to the amount of the transaction fee that has been paid (which is recorded in our system) or a maximum of IDR 10,000,000 (ten million Rupiah).
7. You hereby agree to release Us from any claims for damages and protect Us (including Our affiliates, directors, commissioners, shareholders, employees and/or legal representatives) from any claims or demands, including reasonable legal fees, made by third parties arising from Your violation of these Terms and Conditions, including improper use, utilization and use of Our Data, Accounts, Services and/or Platforms and/or due to Your violation of Applicable Laws or the rights of third parties.

DISPUTE RESOLUTION

1. All disputes arising between you and us in connection with the implementation of these Terms and Conditions shall be resolved through deliberation and consensus, within a period of 30 (thirty) days from the time the dispute is notified to us.
2. Before contacting us directly to negotiate a resolution of the problem or dispute, you are required to keep confidential all information related to the Dispute or the resolution process and are therefore prohibited from in any way distributing, announcing, notifying, making writings to any party regarding the Dispute or the resolution process, including but not limited to, through mass media (online, print, television or other media) that may corner Kyrim. If you violate these provisions, you hereby acknowledge and agree that all or part of your rights to use the Kyrim Services, Platform, and/or Account may be terminated or deactivated by us at any time, either temporarily or permanently.
3. If no agreement is reached through deliberation and consensus, then a civil lawsuit can only be filed at the Indonesian National Arbitration Board (BANI), located at Wahana Graha Lt. 2, Jl. Mampang Prapatan No. 2, Jakarta 12760 or as amended from time to time. The process will be carried out in Jakarta and conducted using the Indonesian language with an arbitration panel consisting of 3 (three) arbitrators appointed based on BANI procedures and applicable laws and regulations. The arbitration decision is final and binding.
4. During the dispute in the settlement process, you are obliged to continue to carry out the obligations that you must fulfill according to these Terms and Conditions.

RISK OF USE

In using the Platform, you understand that there is a possibility and risk of fraud in the name of Kyrim. Therefore, we remind you to always be careful in receiving information and to keep your account safe from all criminal acts by:

1. Do not make transfers to accounts in the name of Kyrim, based on Fund Transfer Orders that you did not previously order via the Platform.
2. Knowing that We never ask you for secret codes, passwords, or OTP codes. Therefore, you must always be careful and not respond to any form of command or request sent via e-mail or website or fake site other than the Platform, which duplicates and/or uses the name of Kyrim which is intended for fraudulent attempts by requesting secret codes, passwords, or OTP codes.
3. Only contact Our Contact as stated in these Terms and Conditions to convey your message, and do not respond to anyone who uses the name of Kyrim except as stated in these Terms and Conditions.
4. Immediately contact and report the incident to Our Contact, in the event of loss of access to the Account and the device you are using.

INTELECTUAL PROPERTY

1. The Platform, Features, names, trade names, logos, nuances, appearance, text, images, videos, content, programming codes, services and other materials provided by Us (“Materials”) are protected by intellectual property rights under Applicable Laws. All rights, title and interest in the Materials are owned entirely by Us and We grant You a limited, non-exclusive, non-saleable and non-transferable license which may be revoked or withdrawn at Our sole discretion. You hereby understand that You shall have no right, title or interest in the Materials except as otherwise provided by these Terms and Conditions.
2. You are prohibited from copying, modifying, printing, adapting, translating, creating derivative works from, distributing, licensing, selling, transferring, duplicating, creating derivative works from the Materials, broadcasting via online or offline media, dismantling, or exploiting any part of Our Platform.
3. If We find any indication/alleged violation of these Terms and Conditions, especially regarding intellectual property rights, We have the right to conduct further investigations, terminate your access to the Platform and its Features, and take other legal action to follow up on the indication/alleged violation.

PROHIBITION

1. You may only access the Platform and use the Features for your personal and business interests without violating any laws or rights of anyone. When accessing the Platform and/or using the Features, you are prohibited from:
   1. Intentionally and without rights or unlawfully intercepting or tapping the transmission of electronic information and/or electronic documents or electronic information and/or electronic documents belonging to other Users, Recipients, or Us;
   2. Intentionally and without rights or unlawfully in any way changing, adding, reducing, transmitting, damaging, removing, moving or hiding any electronic information and/or electronic documents listed on the Platform, whether private or public;
   3. Intentionally and without rights or unlawfully taking actions that result in disrupted access to the Platform;
   4. Intentionally and without rights or unlawfully sublicensing, producing, selling, holding for use by other parties, distributing, providing or acknowledging ownership of the Platform, Features, Materials, or other intellectual property rights belonging to Us;
   5. Intentionally and without rights or unlawfully manipulating, changing, removing, damaging part or all of the Platform;
   6. Utilizing the Platform and/or Features to conduct transactions that contain elements of fraud or violate the rights of third parties and violate the provisions of Applicable Law
   7. Using programs or doing something that can access, search for or obtain information that is not your right from the Platform;
   8. Disrupting the continuity of or damaging servers or networks connected to the Platform or ignoring standard procedures, rules or Applicable Laws regarding Internet connections;
   9. Attempting to access parts of the Platform that you do not have the right to access;
   10. Committing plagiarism of the Material contained on the Platform;
   11. Conducting or attempting to reverse engineer, decompile, disassemble programming code or algorithms or structures contained in the Platform; or
   12. Conducting, ordering, participating, providing assistance or providing opportunities to carry out activities that violate Applicable Law, violate these Terms and Conditions, violate the rights of third parties, or act in bad faith while accessing the Platform.
2. We have the right to sue in civil court or carry out criminal legal proceedings for all prohibited acts as referred to in this Article or these Terms and Conditions as a whole.

GENERAL

1. These Terms and Conditions are governed by the laws of the Republic of Indonesia, without regard to conflict of laws rules or principles. We operate the Services from our offices in Indonesia and, as applicable, other countries, and we make no representation that the Services are appropriate or available for use in other locations. You may not assign or transfer your obligations or rights under these Terms, in whole or in part, by operation of law or otherwise, without our prior written consent. Our failure to enforce any right or provision of the Terms will not be deemed a waiver of those rights. If any provision of the Terms is held to be invalid or unenforceable by law, the remaining provisions of the Terms will remain in effect. These Terms constitute the entire agreement between you and us relating to the Services and supersede and replace any prior agreements between you and us relating to the Services. Complaints and/or claims regarding your transactions may be submitted no later than 30 (thirty) days from the date you make the transaction.
2. We always strive to provide the best service for Users in accessing the Kyrim Platform so that We have the right to make changes to these Terms and Conditions in order to adjust to business developments and Applicable Legal provisions. Changes to these Terms and Conditions from time to time will be uploaded to the Kyrim Platform without any obligation of prior notification, therefore We urge Users to read changes to these Terms and Conditions carefully and check this page from time to time to find out about any changes made by Us. To avoid doubt, under any circumstances Users understand and agree that the most recent version of the Terms and Conditions will be downloaded by Kyrim on the Kyrim Platform and the latest version will apply. Therefore, Users agree not to file any claims in any form in connection with differences with other versions. By continuing to access and/or use the Kyrim Platform Services, Users declare that they have read, understood and agree to be bound by the changes to these Terms and Conditions.
3. If any provision or part of these Terms and Conditions is deemed invalid, unenforceable or becomes invalid, then such provision or part shall be deemed deleted from these Terms and Conditions and the remaining provisions of these Terms and Conditions shall remain in full force and effect.
4. These Terms and Conditions may be translated into a foreign language other than Indonesian. In the event of any difference in interpretation between the Indonesian version and the foreign language version, the Indonesian version shall apply and Users are advised to refer to the Indonesian version.

OUR CONTACT

1. In the event that you experience any problems or have any questions, requests, or complaints regarding your Kyrim Account and/or Services while using the Platform, you may contact us via email support@kyrim.co.id.
2. To respond to your questions or complaints, we will first verify your data. We have the right to refuse to process your questions or complaints if the data you provide does not match the data listed in our system.
3. We will do our best to help you resolve any problems you experience. In order for us to improve our services, we may record or record any correspondence between you and us.