Terms and Conditions
Effective date: Monday, May 13, 2024
Tanggal efektif: 17 April 2025
Terms and Conditions of Consumers Labamu
These Labamu Consumer Terms and Conditions ("Terms and Conditions") apply to you as a user of the Services provided by PT Labamu Sejahtera Indonesia ("Labamu", "We", " Us", or "Our"). By using Our Services (defined below), you are deemed to have agreed to these Terms and Conditions.
1. Introduction
Labamu is a company incorporated under and subject to the laws of the Republic of Indonesia, which provides financial recording and digital business management services to its users in Indonesia through its website - Labamu www.labamu.co.id (the "Site") and Labamu mobile application (the "App"). The Site and the App, together with the information, features, and Services contained therein, are collectively referred to as the "Services". We provide the Services to you, in accordance with these Terms and Conditions.
Any reference to Labamu in these Terms and Conditions, where relevant, includes Our affiliates (companies under our control and common ownership) and some or all of Our employees and agents, including Our directors and commissioners
The Site, App and Services are provided to you subject to these Terms and Conditions. Use of the terms "you" or "User" means any person who uses or accesses the Services, Apps or the Site, either manually or through automated systems, including but not limited to anyone viewing the Services and Materials (defined below)
These Terms and Conditions may be amended by Us from time to time in the manner stated in these Terms and Conditions, or in any other manner determined by Labamu, as long as such changes do not conflict with the provisions of the laws and regulations to which We are subject. Please note that you are expected to check this page from time to time to ensure you receive the most current version of the Terms and Conditions.
We expect you to read these Terms and Conditions carefully as you are deemed to agree to any changes to the Terms and Conditions during your use of Our Services. If you do not agree to any and/or all of these Terms and Conditions, please discontinue using the Service immediately.
When you use certain Services, you may be subject to additional guidelines or rules applicable to certain Services including, but not limited to, new features or uses (e.g. videos and related products), such additional guidelines or rules will be notified to you through the Site or App.
We may provide translations of these Terms and Conditions into different languages. You understand and agree that even if these Terms and Conditions have been translated into different languages, in the event of any inconsistency between the Indonesian version and any other language translation, the Indonesian version shall prevail.
2. Service
Services are provided on computerized systems that utilize a combination of software and hardware. This system may perform a variety of functions, including recording sales records and other Services available on the Application or Site. Unless expressly stated otherwise, any new features or Services that add, improve, or expand the Services in the future, will be considered part of the Services and are subject to these Terms and Conditions.
We reserve the right at any time to disable, and/or change the functionality of the Service, under any circumstances.
We are not responsible or liable to you, the User or any third party for any loss or damage arising from the use of the Service. Such loss or damage includes, but is not limited to, special, direct, indirect or consequential damages. We are also not responsible or liable for any loss or damage caused by your negligence, mistakes, or other actions while using Our Services.
The Services are provided on an "as is" and "as available" basis, We make no warranties, promises, representations, or guarantees to: (a) the Services are of satisfactory quality or fit for a particular purpose or produce a particular result; (b) the security, reliability, performance, timeliness, and availability of the Services; or (iii) the truthfulness or accuracy or completeness of the content provided on or through the Site or Application. All other warranties, representations or guarantees by Us, whether express or implied, regarding the Platform are expressly excluded to the fullest extent permitted by law.
We do not guarantee the accuracy, completeness, usefulness, or availability of any information or materials transmitted or available through the Service. Such information or materials include data, text, LSS, graphics, audio and video clips, advertisements, and other materials (collectively, "Materials" or "Content"), in addition, We are not responsible or liable for the decisions You make in reliance on such Materials or Content.
Information, images and other information contained or published in the App or Site may also contain inaccuracies or typographical errors. We may make changes or improvements, and/or update the information contained in the Application or Site from time to time. We are under no obligation to update the Services that have become obsolete or inaccurate.
You understand and agree that the use and performance of your activities in connection with the Site, Application, and Services is at the User's own discretion and risk and that you are solely responsible for any damage/loss of electronic information that may result from the performance of such activities.
You specifically acknowledge that We will not be liable for any defamation, infringement, or unlawful act of any third party in connection with Us and this Service. Any risk of loss or damage from such things is solely the responsibility of the User.
You agree to release, defend, and hold harmless We, Our affiliated companies and their directors, commissioners, officers, employees, and agents from and against any and all claims, liabilities, losses, and expenses (including legal fees, damages, and reasonable settlement amounts) arising out of or related to or that may arise out of (i) your use of and/or access to the Services; (ii) breach any provision of these Terms and Conditions and the Privacy Policy; (iii) infringement of Third Party rights (as defined below), including but not limited to intellectual property rights, movable or immovable property, privacy rights; and/or (iv) any claim in connection with the User Material that causes harm to a Third Party. In this case We may also participate in a joint defense with legal counsel of Our choice.
3. Relationship with Third Parties
Other services mentioned in these Terms and Conditions are goods and/or services, other than Labamu Services that can be purchased through the Site or Application, provided by third parties who are Our partners or parties who cooperate with Our partners ("Third Parties").
Through the Services, You may connect to other websites that are not under Our administration. The inclusion of a link ("Hyperlink") does not necessarily constitute a recommendation or endorsement of the views expressed in the Hyperlink. Such hyperlinks are provided for informational purposes only to users.
We are not responsible or liable for the correctness of the information, images and information provided, the delivery of goods or services, including the Third Party's compliance with the applicable laws and regulations in the Republic of Indonesia either in terms of offering or selling goods and services or other transactions by Third Parties who are Our partners or parties who cooperate with Our partners.
Any information provided by a Third Party on the Application or Site regarding any other company, individual, or entity, and/or their products or services, does not imply endorsement or endorsement of the quality or suitability of such individual, company, or entity, or such products or services. Responsibility for the Materials and Content disseminated by Third Parties rests solely with the Third Party.
We have no ownership of the Materials or Content distributed by Third Parties and are not involved in the transaction, payment, delivery or after-sales process between you and the Third Party. An agreement for the delivery of goods or services that occurs through the Service or as a result of an offer submitted by a Third Party is a direct agreement between the Third Party and you.
You acknowledge and agree that We will not be responsible for Your interactions with Third Parties, including, but not limited to, payment, delivery of goods and services, and other terms, conditions, warranties, or representations related to Your interactions with Third Parties.
You also acknowledge and agree that We will not be liable for any loss or damage arising from your relationship with a Third Party. In the event of a dispute between users and Third Parties, You understand and agree that We will not be involved in such disputes, and You hereby release Us, including but not limited to our officers, employees, shareholders, directors, commissioners and affiliates, Our officers, and agents from all claims and losses of any kind related to Our Services.
We are not responsible for all warranties and conditions, including the implied warranties, quality, or suitability of information provided by Third Parties. Under no circumstances shall We be liable for any loss, whether special, direct, indirect, or consequential, or any loss or damage resulting from the use, data, or profits, whether in an act of tort, negligence, or other tortious action, arising out of or related to the use or performance of the information and/or images provided by the Third Party. We are also not responsible for the direct or indirect consequences of Third Parties' decisions to make or not make offers to you.
4. Bank Nobu
Bank is PT Bank Nationalnobu Tbk which has a network and Service Offices which include Head Office, Branch Office, Sub-Branch Office and operates in the jurisdiction of the Republic of Indonesia, unless otherwise specified.
Savings are deposits whose withdrawal transactions can only be made according to certain conditions that have been agreed, but cannot be withdrawn by check, bilyet giro and/or other instruments.
PT Bank National Nobu ("Bank Nobu") is the party that cooperates with Labamu in providing QRIS (Static and/or Dynamic) Services and Labaku Accounts so that for the User of this Service will be charged a fee regulated in accordance with the Bank's regulations. The following terms will apply to Bank Nobu Services:
· Labamu's User Account has been verified for its identity or KYC (Know Your Customer) on the Application.
· For existing users on the Labamu Application, in connection with the additional Labaku services provided by Bank Nobu, KYC and all checks related to the Bank Mandate may be required to be done again on the Labamu Application User
· Those of you who have subscribed to Labamu Premium and Pro accounts will not be charged an application fee (platform fee)
· Please note that banking service fees based on bank terms will still apply
· Non-premium (basic) Labamu account users will be charged an application fee (platform fee) of 2% and a banking service fee according to the Bank's regulations.
For the avoidance of doubt, the terms of use and services of Bank Nobu are applicable in accordance with the terms of Service of Bank Nobu and Labamu is not responsible for any losses suffered in such use subject to the terms and conditions, and changes based on the policies and decisions of Bank Nobu.
Premium & Pro Labamu Account Bundling Service with Bank Nobu is:
Users are entitled to get the bundling of Labaku and QRIS Accounts if:
the user is willing to provide additional information and/or data used as the basis for QRIS registration and Labaku Account Opening;
QRIS bundling mechanism and Labaku Account:
Users who have met the predetermined requirements will be registered for QRIS and Labaku Accounts as long as the User continues to subscribe to the Premium and Pro Labamu Account Services.
The Terms and Conditions of Labamu only include registration through the application and complete complete and correct data for Users
Your Labamu account users will be given access to the bank's webview as an Account Opening Step
Page Intervace Partner Application
Approval Request
OTP Verification
Photo E-KTP
OCR and E-KTP Data Verification
Face Verification
Filling in Personal Data Information
NPWP Verification (Optional)
Source of Wealth Verification (Optional) - Video Call with Agent (Optional)
Create a PIN
Account Information and Virtual Debit Card Number
Other Bank-mandated functionality
In connection with the terms and conditions related to the Labaku Account, the User may refer to the terms and conditions of Bank Nobu available at https://www.nobubank.com
Terms of Service of QRIS & Labaku Account:
By agreeing to the registration of QRIS and Labaku Account, the User is deemed to have accepted and agreed to the Terms and Conditions of Labamu and Bank Nobu which are or will be valid from time to time.
Labamu will not be responsible for any administrative fees and other fees determined by the Bank.
Labamu's decision on all matters related to the QRIS Bundling feature and the Labaku Account with Bank Nobu is final and binding on all Users. No correspondence or appeals will be served by Labamu. In the event of any inconsistency between these Terms and Conditions and any marketing or promotional Materials, these terms and conditions shall prevail.
For the avoidance of doubt, the terms of use and bundling services of QRIS and Labaku Account as described above are subject to change based on the Bank's policies and decisions.
5. BPJS Terms of Service
BPJS Employment ("BPJS TK") is a partner or Third Party that collaborates with Labamu as the organizer of the social security program, and provides programs in the form of Work Accident Insurance ("JKK") and Death Insurance ("JKM").
The conditions for using BPJS TK services are as follows:
You and/or Labamu Users are required to prepay for a premium subscription that will be notified to you at the time of application;
You and/or your Labamu Users are required to pay on time against your Labamu premium subscription, including when the subscription period expires and is extended by the User;
Labamu gives 7 (seven) calendar days to the User after the premium subscription expires to be able to immediately renew the premium subscription on the Labamu application. If the deadline passes and You and/or the User do not extend the premium subscription period, then Labamu is not responsible for any form of BPJS TK facilities that have been obtained by You and/or the User of the Labamu application;
You and/or the User can claim the benefits of the BPJS TK Program for BPU Participants directly to BPJS TK without going through Labamu; by accessing the BPJS website: https://www.bpjsketenagakerjaan.go.id/
Labamu and BPJS Premium Account Bundling Service
As of October 1, this Bundling Service will be discontinued and Users who have purchased "Premium Membership from Labamu" on September 30, 2024 will still be entitled to get a happy BPJSK TK bundling membership during their membership period with the following conditions:
The user has subscribed and renewed the premium account of the Labamu Service before September 30, 2024;
users are willing to provide additional information that is used as the basis for BPJS Employment membership registration; and
Users who are not in the BPJS grace period work when registering for BPJS membership using the Labamu Service.
Users who are currently subscribed to a premium account and the subscribed service will end after September 30, 2024 will receive BPJS subscription services until the subscription period ends. Premium subscription service payments made after September 30, 2024, will not be eligible for BPJS Labamu bundle membership.
BPJS Employment bundling mechanism:
Users who have met the predetermined requirements will be registered as BPJS Employment participants. In this case, Labamu will continue to make BPJS Employment membership payments as long as the User continues to subscribe to the Labamu Premium Account Service.
If the User does not pay the premium account subscription fee, the User's BPJS membership in the field of employment will enter a grace period. The User will be able to continue BPJS Ketenagakerjaan membership when the grace period has ended, even though the User has activated the Labamu Premium account service during the BPJS Ketenagakerjaan membership grace period.
Labamu will not pay for the User's membership if it is still within the grace period before September 30, 2024 or later. The User can pay directly to BPJS (without going through Labamu) regarding BPJS Employment membership in the event that the User wants to submit a claim within the BPJS membership grace period or renew BPJS membership, even though the User has subscribed to the Labamu premium account.
The Terms and Conditions of Labamu only include registration and payment of BPJS Employment membership for Premium Account Users. In connection with the terms and conditions related to details related to BPJS Employment membership, the User can refer to the terms and conditions of BPJS Employment available at https://www.bpjsketenagakerjaan.go.id/
Terms of Service for BPJS Employment Membership:
By agreeing to the registration of BPJS Ketenagakerjaan, the User is deemed to have accepted and agreed to the Terms and Conditions of Labamu and BPJS Ketenagakerjaan which are or will be valid from time to time.
Labamu will not be responsible for Decisions or related to lack of insurance coverage arising from failure to renew your Labamu Premium account membership, such as missed deadlines to pay BPJS Ketenagakerjaan monthly contributions due to not subscribing to your Labamu Premium Account.
Labamu's decision on all matters related to the Labamu Insurance Bundling feature with BPJS Employment is final and binding on all Users. No correspondence or appeals will be served by Labamu. In the event of any inconsistency between these Terms and Conditions and any marketing or promotional Materials, these terms and conditions shall prevail.
For the avoidance of doubt, the terms of use and services of BPJS Ketenagakerjaan as described above are subject to change based on BPJS TK policies and decisions.
BPJS Employment ("BPJS TK") is a partner or Third Party that collaborates with Labamu as the organizer of the social security program, and provides programs in the form of Work Accident Insurance ("JKK") and Death Insurance ("JKM").
6. Labamu Staf
PT Tunas Digital Indonesia is a Limited Liability Company established under and subject to the laws of the Republic of Indonesia. PT Tunas Digital Indonesia provides one of the services, namely Qinerja. PT Tunas Digital Indonesia in this case its product is Qinerja is a partner or Third Party that collaborates with Labamu which provides various HR, employee and business operational needs.
Identity Verification
In the process of entering the Labamu Staff Service, you will be asked to verify your identity accessed through the Labamu account owner's data.
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When using the Labamu Staff Service, you agree to abide by the Terms & Conditions regarding the Qinerja Service. The terms & conditions regarding Qinerja Services may be amended and/or updated from time to time without prior notice. We recommend that you read carefully and check these Terms & Conditions page from time to time through this web https://qinerja-landingpage.azurewebsites.net/info?tab=terms-conditions. By continuing to access and use Our services, users are deemed to agree to the changes in the Terms & Conditions.
7. Registration
When accessing the Labamu Service, as part of the registration and account creation process, you may be required to register and create an account on the Site or App. You will also be asked to create a password and provide us with certain information related to the registration process. You should be responsible for maintaining the confidentiality of your password and all activity of your account, including access to your account.
If You choose to register or provide personal information or other data to Us, then You acknowledge and agree that:
You are responsible for all information you upload including but not limited to your Personal Data (as defined below).
You will retain the rights to such information for as long as it is available on the Services, Application or Site. You have the permission, right and consent to use such information and authorize Us to use the information in the Service, Application or Site for Our promotional purposes or for other purposes as long as it does not conflict with the applicable laws and regulations in Indonesia, these Terms and Conditions, and the Privacy Policy that You have agreed. You own the right to any information. However, by incorporating information into the Service, you grant a perpetual, worldwide, non-exclusive, royalty-free and sublicensable, transferable right to use, reproduce, distribute, create derivative works from, post and display information in connection with the Service and Our business, including but not limited to promotional purposes and re-distribute part or all of the Service and the information contained therein, unless you withdraw your consent to such use of your information. These rights are necessary by Us to be able to provide the Services and post Your information. Further, by uploading information to the Service, You agree and hereby grant to Us all necessary rights to prohibit or permit the collection, installation, copying, duplication, reproduction or exploitation of information in the Service by Third Parties for any purpose as long as it does not conflict with the applicable laws and regulations in Indonesia, these Terms and Conditions, or the Privacy Policy. You also hereby grant to each user of the Services and the Site a non-exclusive right to access your information through the Services, Application or Site. This right will remain valid and terminate immediately when You or We delete or withdraw information from the Application/Site.
You authorize Labamu, Third Party service providers, and Labamu's designated partners to use your personal data and the information you provide or we collect in the following framework:
i. Create user behavior and/or attribute profiles;
ii. if possible, improve Labamu's features and services that will assist Users in taking action on features and services that currently exist or will be available
We may impose restrictions on some or all of your activities or charge a fee for the Services in accordance with these Terms and Conditions.
We reserve the right to remove any content, Materials, or other parts of the Service, whether in part or in whole, posted by you on the Service or the Application/Site without prior notice to you as a user. This includes but is not limited to if the Materials contain content or parts that are sensitive, offensive, can incite hatred, defamation, contain Materials that trigger ethnic, religious, racial, inter-group divisions, pornography, gambling, or are contrary to ethical norms and laws applicable in the Republic of Indonesia and are not in accordance with the rules applicable to the Service.
You provide true, accurate, current, and complete information about yourself and/or your company as requested in the registration process for Our Services.
You will continue to maintain and promptly update your and/or your company's information to keep it true, accurate, current, and complete. If you provide us with information that is untrue, inaccurate, not current or incomplete, and if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we reserve the right to unilaterally suspend and/or terminate your account and refuse to grant you access to your current or future use of the Labamu-Seeking Service.
As part of the registration and account creation process, you may be asked to share certain information with us. By using the Services, you also consent to the sharing of certain information relevant to the registration process for this information. You are also expected to use the correct email address, telephone number of the telecommunications service provider in Indonesia, as well as a billing address domiciled in Indonesia.
We reserve the right to process Personal Data in accordance with the policies set out in the Privacy Policy. By using the Service, the user consents to such processing and warrants that all data provided is correct. Any personal or other information that you provide to us or we collect about you is subject to Labamu's Privacy Policy and these Terms and Conditions.
8. Identity Verification
You understand and acknowledge that in order to access some of the Labamu Services, you will be required to carry out an identity verification process. In terms of the identity verification process, you authorize Labamu to forward personal data such as Identity Card (KTP), Family Card (KK), email address (email), web, mobile phone number (HP), biometric data, passport, photo, business entity data, and other additional information to the Electronic Certification Operator as stated in Government Regulation Number 71 of 2019 concerning Electronic Operator Systems and Transactions, Regulation of the Minister of Communication and Information Technology No. 11 of 2022 concerning the Governance of Electronic Certification, and Law No. 27 of 2022 concerning Personal Data Protection and further processed by VIDA as Mitra Labamu for the purpose of issuing and managing Electronic Certificates.
VIDA as an Electronic Certification Provider, which has obtained permission from the Ministry of Communication and Informatics, will issue an electronic certificate as a sign that your privacy data has been verified and its validity can be proven to the appropriate authorities. Labamu together with VIDA in this case acting as data controllers have the right to approve and reject in accordance with the provisions of laws and regulations. If incomplete, inaccurate, invalid, and/or inconsistent data is found in accordance with the provisions of applicable laws and regulations, Labamu has the right to restore the User's status that was originally verified to unverified.
The Subscriber Agreement Policy, the PSrE Privacy Policy, and the VIDA Certification Practice Statement can be accessed through Hatpas://repo. vida.id.
9. Access
Our purpose and intention is to ensure your continued access to the Services. We will make every effort to ensure the continuity and availability of the Site and Application, together with all Materials, Content and features.
In certain circumstances, we reserve the right to suspend or terminate part or all of the Services with notice to You in accordance with Our sole discretion to the extent that it does not conflict with applicable law. We will not be liable to you for the unavailability of the Service, the Materials, the Content and its features at any time and in any period during this period of suspension or termination, especially caused by Force Majeure (as defined below), the errors and/or omissions of our Service Users.
In certain circumstances, we will refund the balance to the User upon closure and/or deletion after deducting fees (including but not limited to admin fees, outstanding fees, taxes, and other fees if any) unless in Our judgment it is necessary to withhold all or part of the balance, (for example, because there is a reasonable belief that such part is related to or caused by fraud, misuse of your Labamu Account, indications of other violations of law, or violations of these Terms and Conditions).
In order to improve services to users, We have the right to periodically and at any time update and/or change the appearance, Services, and/or content of the Services. Without prior notice, We also reserve the right to withdraw and/or change the Services provided. We may also restrict user access to certain parts of the Application/Site and/or the entire Service.
If necessary, we may suspend access to the Service or temporarily close the Service indefinitely.
We are not responsible and will not be liable for Services that are temporarily unavailable in connection with technical issues beyond our control such as Force Majeure or as a result of User error and/or negligence of our Services.
10. User
You represent, acknowledge and agree that We do not have any ownership rights to the offers posted by the User, nor are We involved in the transaction, payment, delivery, and after-sales process between the seller and the buyer. Engagement for the delivery of goods or services that occur through the Service or as a result of visits and successful offers submitted by users is freely made between the seller and the buyer. Therefore, any form of interaction between the Seller and the Buyer is the responsibility between the Seller and the Buyer.
The User acknowledges and agrees that We cannot be responsible for events caused by Your negligence, including but not limited to the loss, falsification, misuse of Your Personal Data.
We are also not responsible for any loss and/or damage due to malfunction and/or interruption of Our Services due to force majeure, including but not limited to natural disasters, fires, strikes, wars, riots, insurrections, other military actions, actions of authorities, actions of Third Parties that result in Us being unable to provide Services, and decisions or changes in decisions of relevant agencies, including governments, which affect the performance of the Service ("Force Majeure").
The User agrees to use the Site and the Services only for lawful purposes and in accordance with these Terms and Conditions. Any attempt to manipulate our Services or our policies may result in the deletion of your account. In addition to removal, you may be subject to a variety of other actions, to the extent permitted by applicable laws and regulations.
We may report to the authorities based on the evidence we obtain of all acts of fraud, money laundering, and/or unlawful acts committed through the Labamu Application/Site.
Because your use of the Services requires an Internet connection, you may be required to pay fees associated with Internet access when using the Services, Apps, or Sites. The User is responsible for performing all necessary arrangements to access the Service.
You represent, guarantee, and be responsible that any Material that you submit to the Application/Site is accurate and valid information and does not violate the provisions of applicable laws and regulations.
11. Proposals
You do not accept or consider creative stamps, ideas or suggestions other than those specifically requested by us, for the avoidance of misunderstanding, if your ideas are similar to those we have developed, please do not send creative materials to us using the email service or we will consider it not confidential information and is in the public domain
You are responsible for the content you submit, including emails or published materials such as photographs, illustrations, audio clips, and videos, and any consequences arising from the sharing of such content. You, or a third-party owner, retain any patent, trademark, or copyright rights in the content you share through the Services. You are responsible for protecting these rights and obtaining the necessary permits or consents.
12. Adding Other Accounts
You have the right to add another account or your employee and/or employee account within the Labamu Application/Site. Every activity performed by your employee account is your responsibility.
13. Premium Account Users
We provide paid premium services for those of you who wish to use the services, features, and additional benefits of the Services. Use of premium services will be subject to subscription fees as stated in the Application/Site. Users can choose a premium account subscription plan according to the User's preferences.
14. User Behavior
You expressly understand, and agree that:
The services provided are provided "as is", "with all faults", and "as available" without warranty of any kind. We expressly disclaim any warranties regarding the security, reliability and performance of activities carried out by users on the Service.
Labamu is not responsible or liable for the content of discussions, chats, publications, transmissions, bulletin boards, and the like on the Service, or for any errors, defamation, swearing, slander, negligence, lies, immoral acts, pornography, profanity, threats and/or harm posed by other Users. However, this does not limit Our right to remove it from Our Services or take any other action against it at Our discretion.
You must not publish or transmit any Material that, or could reasonably be considered to be, abusive, offensive, unlawful, threatening, defamatory, defamatory, decent, decent, shameful, inflammatory, hateful, prejudiced or racially or religiously, pornographic, or sexually suggestive, indecent, illegal, threatening, harassing, intimidating any person or entity that could, or encourage conduct that would constitute a criminal offense, giving rise to civil liability, or violating the law.
Labamu will cooperate with law enforcement or judicial authorities who request or direct us to disclose the identity of anyone who publishes or transmits such information or Materials.
You have ensured that any information you upload has: (i) obtained the necessary approvals and/or permissions, (ii) the prerequisite approvals and/or licenses are still valid and (iii) the advertised products and/or services are not products and/or services that are prohibited from being traded in general under the provisions of laws and regulations.
Transactions processed on Labamu must be legally valid and related to the business in which your account is registered and not under any circumstances created for activities and matters strictly prohibited under these terms and conditions, including any Services you use to avoid transaction fees either by us or other related entities. In particular, you may not alter/modify/vary/split/alter a valid transaction for any reason.
Labamu reserves the right at its sole discretion to assess the validity of transactions processed on our platform and charge appropriate fees that will be applied as if you had not altered/modified/varied/split/altered any transactions. Any unauthorized transaction may lead to the permanent closure of your account. These rules also apply to any transactions included in the unlimited transaction feature under our various subscription Services that you may have used or may have allocated to you.
In addition, you are prohibited from using Labamu to engage in activities that violate or deviate from the terms and conditions of our partners or Third-Party Service providers when using our Services or their Services on our platform.
15. List of Prohibited Services and Goods
When using the Services, you are prohibited from:
perform, assist and/or carry out activities that are unlawful, statute, rule or regulation;
imitate or be affiliated with Labamu without the express written permission of Us including but not limited to the use of Labamu's intellectual property rights;
knowingly and without the right to broadcast, perform, distribute, transmit, and/or create writing, sounds, images, maps, designs, photographs, electronic data interchange (EDI), email, telegram, telex, telecopy or the like, letters, signs, numbers, Access Codes, symbols, or perforations that have been processed that have meaning or can be understood by persons capable of understanding them ("Electronic Information") and/or Electronic Information created, transmitted, transmitted, received, or stored in analog, digital, electromagnetic, optical, or similar form, which may be seen, displayed, and/or heard through a Computer or Electronic System, including but not limited to writing, sounds, images, maps, designs, photographs or the like, letters, signs, numbers, Access Codes, symbols or perforations that have meaning or meaning or can be understood by persons capable of understanding them ("Electronic Documents"), which have content that violates public decency;
knowingly and without the right to distribute, transmit, and/or make accessible electronic information and/or electronic documents that have gambling content;
deliberately attacking the honor or good name of another person by accusing something, with the intention of making it public;
knowingly and without rights distribute and/or transmit one or sets of electronic data, including but not limited to with the intent to unlawfully harm oneself or others, coerce a person with the threat of violence to:
giving goods, which belong in part or in whole to that person or to another person; or
give debts, make debt acknowledgments, or write off receivables;
knowingly and without rights distribute and/or transmit the Information and/or electronic documents, with the intention of unlawfully benefiting oneself or others, by threat of defamation or by threat of disclosure of confidential information, compel a person to:
giving goods that belong to that person in part or in whole or to another person; or
give debts, make debt acknowledgments, or write off receivables;
intentionally distributing and/or transmitting electronic information and/or electronic documents that contain false notices or misleading information that results in material losses to Us and/or Our Users, and/or Third Parties;
intentionally and without rights distribute and/or transmit electronic information and/or electronic documents that incite, invite, or influence others so as to cause hatred or hostility against certain individuals and/or groups of people based on race, nationality, ethnicity, color, religion, belief, gender, mental disability, or physical disability;
deliberately disseminating Electronic Information and/or Electronic Documents that he knows contain false notices that cause riots in the community;
intentionally and without the right to send Electronic Information and/or Electronic Documents directly to Us and/or Our Users, and/or Third Parties that contain threats of violence and/or intimidation;
intentionally and without the right to take actions that result in material losses to Us and/or Our Users, and/or Third Parties;
intentionally and without rights or unlawfully accessing, infringing, breaking through, exceeding, or breaking into the security system of electronic systems used by Us in any way;
intentionally and without rights or unlawfully intercepting or intercepting electronic information and/or electronic documents in Our Application or Site;
intentionally and without rights or unlawfully intercepting the transmission of electronic information and/or electronic documents that are not public in nature from, to, and in Our Services, whether that does not cause any changes or that causes changes, deletions, and/or termination of electronic information and/or electronic documents that are being transmitted;
intentionally and without rights or unlawfully in any way alter, add, reduce, transmit, damage, eliminate, move, hide an electronic information and/or electronic document belonging to Us and/or Our Users, and/or a Third Party which results in the disclosure of an electronic information and/or confidential electronic document so that it can be accessed by the public with improper data integrity;
intentionally and without rights or unlawfully in any way transfer or transfer electronic information and/or electronic documents to the electronic system of another unauthorized person;
intentionally and without rights or against the law to take any action that results in the disruption of the electronic system and/or causes Our electronic system to not function as it should;
intentionally and without rights or manipulating, creating, unlawfully altering electronic information and/or electronic documents with the aim of making electronic information and/or electronic documents considered authentic data;
unlawfully obtain or collect data about an identified or identifiable natural person separately or combined with other information either directly or indirectly through an electronic or non-electronic system ("Personal Data") that does not belong to him or herself with the intention of benefiting herself or others that may cause harm to Us and/or Our Users, and/or Third Parties;
unlawfully disclose Personal Data that does not belong to them;
create false Personal Data or falsify Personal Data with the intention of benefiting yourself or others that may result in losses to others;
sell the User's account or accept or offer to receive compensation, financial or other form to influence the account name or the Materials entered into the account;
artificially increase the number of social media, artificially promote the Material, or other manipulation including by:
use bots, scripts, or other automated processes;
giving or receiving any form of compensation; or
other ways;
copy, reproduce, redistribute, record, transfer, perform, frame using "deep links", "mirrors", "scraping", "crawling", "bots", "spiders", "ripping" either manually or with any device, program, script, algorithm, or other automated methodology, or any similar or equivalent manual process or using any part of the Services or Materials to train learning AI machines or models or ingest our Services or Materials into machine learning or AI models, to reverse engineer, decompile, disassemble, modify, adapt, sell, rent, exploit, translate, sublicense, rent, privately label, provide a security interest in accessing, obtaining, copying, monitoring, or creating derivative works of any part of our Services, Sites, Apps, or Materials or monetization other than as is expressly permitted under the Terms or in any way reproduces or circumvents the navigational structure or presentation of these sites to obtain or attempt to obtain any Materials, documents or information through any means not intentionally made available through our Services, Sites, Applications or Materials, for any reason or purpose, including linking or publicly displaying, broadcasting, or making available to the public, or other uses that are contrary to laws and regulations in Indonesia;
engage in the transmission of unsolicited mass mail or any form of spam , junk email, chain mail, or similar or unauthorized commercial or sales activities, such as advertising, promotions, contests, sweepstakes, gambling, betting, or pyramid schemes;
does or intends to promote illegal conduct of any kind, including infringement of your own intellectual property rights, privacy rights, publicity rights, or proprietary rights of Labamu, our partners, or Third Party Service providers, or will violate any agreement you enter into in partying;
process or permit processing of transactions that:
support pyramid or ponzi schemes, matrix schemes, other "get rich quick" schemes or certain tiered marketing programs;
related to the purchase of annuities or raffles with prizes not authorized by the minister in charge of social affairs;
Allows ordering goods by paying part of the price in advance, then paying off the remaining payment periodically until the goods can be picked up (lay-away);
banking activities carried out outside the jurisdiction of the country in which the bank operates (Offshore banking);
Aim to take out a new loan or replace an old loan with a new loan that has more favorable interest or terms, using a credit card as collateral or a source of payment;
Selling goods before the stock of real goods is available;
by payment processors to collect payments on behalf of merchants;
related to the sale of traveler's cheques or money orders;
engage in currency exchange services, cheque cashing, money transfer, loan sharks, remittances or Islamic loans or unregulated businesses or online lending services;
involves certain credit repairs, debt settlement services, credit transactions or insurance activities;
related to finance that does not have a related license in accordance with its field of business;
in relation to the Services that are considered exploitative or predatory or are considered to have a negative impact on Labamu's reputation; or
involves offering or accepting payments for the purpose of bribery or corruption;
involves the sale of products or services identified by government agencies as having a high probability of fraud or related to treason against Indonesia;
provide links to the Site, App, or Materials from any website or site page that gives rise to claims about the healing power or health enhancement of any substance, whether such substance is manufactured, marketed, sold, or distributed by Labamu.
purchase illegal or unlawful goods or services, including criminal activities related to money laundering or terrorist financing activities related to terrorists either directly or through other parties in a manner contrary to the laws and regulations of Indonesia;
contrary to the Labamu Terms and Conditions of Use or any other terms or policies applicable to your use of our Services.
16. List of prohibited foods, drinks, cosmetics:
You and/or the User are prohibited from processing or permitting transactions that involve:
narcotics, steroids, controlled substances or other products that pose a risk to consumer safety;
drug supplies, in particular equipment, tools, or materials used in the preparation, consumption, or administration of drugs or prohibited substances;
drugs and other substances whose circulation is prohibited or restricted according to the provisions of the applicable law in Indonesia;
hard drugs, anesthetics, slimming drugs, and other types of drugs and ingredients that do not have an official distribution permit from the Food and Drug Supervisory Agency (BPOM);
cosmetics that contain harmful ingredients or other substances that do not have an official distribution permit from BPOM;
Permitted food/beverages must meet the following:
permission from BPOM and/or in the process of obtaining a BPOM permit which can be proven by proof of registration;
clear and correct expiration date;
all food/beverages are well packaged and covered;
perishable food; or
liquor or alcoholic beverages.
17. List of Prohibited Items:
You and/or the User are prohibited from engaging in any activity, uploading any User Materials, or registering or using a username or selling products, which constitutes or includes the following.
goods or services that are sexually oriented or sexual or immoral, including prostitution, or adult drugs that do not have a distribution permit from BPOM or whose circulation is restricted by applicable legal provisions;
goods or services that infringe copyright and trademarks such as names, videos, descriptions, photographs.
goods or services that violate are considered obscene or contain words and images that are rude, dirty or swearing or are considered harassing or insulting to ethnicities, religions, races, and inter-groups or spreading ideologies whose principles are contrary to the Pancasila Ideology;
counterfeit, imitation, pirated goods;
Prohibited Packaging Clothing in accordance with the provisions of Laws and Regulations;
weapons, such as firearms, air rifles, and all forms of weapons, ammunition, certain firearm parts or accessories, or certain weapons or knives regulated by law in Indonesia;
foreign exchange, seals, seals that are prohibited from being traded through electronic media, unless there is a permit in accordance with the provisions of the applicable laws and regulations in Indonesia;
gambling equipment and online gambling;
substances or objects that are reported to have supernatural powers and give them supernatural powers;
medical devices that must have a distribution permit from the relevant Supervisory Agency;
goods that are contrary to the regulations applicable in Indonesia;
state certificates or documents;
Pesticides;
stolen goods including digital and virtual goods;
imported second-hand goods;
trafficking in persons, including human body parts or corpses;
all types of animals and plants prohibited by law in Indonesia;
Custodial goods, refers to goods or property that are placed under the care, possession, or custody of a particular entity or individual. These items are entrusted to a person responsible for their proper storage, maintenance and handling, including items held in a custodial capacity by a Third Party on behalf of another person, such as in a custodial account or custodial service for financial assets;
goods proceeds of crime;
goods containing tobacco and nicotine such as electronic cigarettes and electronic vapors;
items that may explode or ignite on their own;
export and import of goods that are contrary to the applicable laws in Indonesia.
goods that encourage, promote, facilitate or instruct others to engage in illegal activities;
items that alter, remove, infringe or infringe any copyright, trademark, other intellectual property right, right of publicity or privacy or other proprietary rights under the laws of any jurisdiction;
Items that promote hate, violence, race, or other forms of intolerance that are discriminatory or financially exploitative of crime.
18. Possession
You and/or the User understand and agree that the Service and any necessary software used in connection with the Service ("Software") contain intellectual property rights and/or confidential information, Materials and other Materials protected by applicable intellectual property rights and other laws (including, but not limited to, copyrights, trademarks, marks of the Service, and patents). You and/or the User acknowledge that you and/or the User do not acquire any ownership rights to any intellectual property through the use of the Service. Except as expressly permitted by us, you and/or Users may not modify, rent, lend, sell, distribute, create derivative works based on, or otherwise use the Software, Services, or any Materials contained therein, in whole or in part. In addition, you and/or Users may not copy, duplicate, republish, upload, publish, transmit, or distribute Materials from the Service in any way without our prior written consent.
Labamu, accompanying logos, product displays, and all other intellectual property used in the Services are owned by Labamu or its related affiliates.
19. Advertisement
By becoming a user of the Service, you can choose whether you want to receive information related to the Service, its use, and other matters related to the use of your account, and this information will be sent to us in good faith through notifications either in the form of email or application notifications or other forms. If you choose not to receive information, you can let us know by contacting our customer service.
20. Dispute Resolution
All disputes, controversies or claims arising out of or in connection with the Services, the Site, the Application and the agreements under these Terms and Conditions, including questions of the existence, validity, termination or legal relationship formed thereby, shall be finally resolved by arbitration in accordance with the arbitration rules of the Indonesian National Arbitration Board, currently located at Wahana Graha 1st & 2nd Floor, Jalan Mampang Prapatan No. 2, RT.4/RW.1, Duren Tiga, Pancoran, South Jakarta City, Special Capital Region of Jakarta 12760 ("BANI"), with the arbitration rules of BANI at the time of commencement of such arbitration, the rules of which are deemed to be incorporated by reference into this clause ("Arbitration"). The arbitration shall be conducted with one (1) arbitrator. The place of Arbitration is Jakarta, Indonesian, and the language used is Indonesian.
Entire Agreement, Governing Law, No Waiver, Severability
These Terms and Conditions, the Privacy Policy and your relationship with Us are subject to, governed by and subject to the laws of the Republic of Indonesia, and you agree to be bound by the jurisdiction of the laws of the Republic of Indonesia.
Some of the provisions contained in these Terms and Conditions may be superseded by other terms or notices published elsewhere in the Service. The User is subject to these Terms and Conditions which is a Service agreement between the User and Labamu. In addition, the User is also subject to all amendments or changes to these Terms and Conditions, unless the User expressly expresses his/her disagreement to such changes.
The User is also subject to the terms and conditions of the third-party Services used by the User as a partner of Labamu. Our failure to exercise or enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. If any of these terms are found to be invalid or unenforceable, the parties still agree that the other provisions of these Terms remain in full force and effect.
Unless otherwise provided in any law or regulation, any claim or action arising out of or relating to the use of the Service or these Terms and Conditions may only be brought within a maximum of 1 (one) year after such occurrence
22. Termination
We reserve the right at your discretion to suspend or terminate this Agreement if you and/or the (registered) User in our judgment do the following:
· Doing things that violate the provisions of applicable regulations and laws;
· Publishing images and/or Content that infringes copyright
The Parties hereby agree to waive the provisions of Article 1266 of the Indonesian Civil Code, to the extent that termination of this Agreement requires a court decision.
23. Correspondence
If you have any questions or comments about these terms, or if you would like to report a violation of these terms, please contact us at +6281615399990 or cs@labamu.co.id
24. Disclaimer on Warranty
We reserve the right to change the policy and Terms & Conditions at any time, for any reason. We will notify you and/or the User of any changes to these terms marked with the "effective date" sentence at the top of this page. If you and/or the User have any questions or comments about the privacy policy and these Terms & Conditions, please contact us at cs@labamu.co.id and we expect you to write "Privacy Policy" in the subject of the email.
You acknowledge and agree that any comments and suggestions you give to us, are not obligated for us to do so.
