Term & Conditions


Welcome to the Bandingin.com website.

Bandingin.com is a service which provides information concerning the insurance products offered by Third Parties within the territory of Republic of Indonesia.

The terms and conditions stipulated below shall set forth and legally bind the users of Bandingin.com website in accessing and utilizing the services provided by PT. SPARK INTEGRATED SOLUTIONS through the use of Bandingin.com website.

By accessing and utilizing the services provided in Bandingin.com website, the User shall be deemed to have read, understood, and agreed to all of the contents within these Terms and Conditions. The Terms and Conditions is a form of legally binding agreement between the User of Bandingin.com and PT. SPARK INTEGRATED SOLUTIONS.

The Terms and Consitions can be amended or renewed at any time without any prior notification. The User is advised to always check back and read the Terms and Conditions carefully from time to time to be aware of any changes. By continuing to access and utilize the provided services within Bandingin.com website, then the User shall be deemed to have agreed to the changes within the Terms and Conditions.

IN THE EVENT THAT THE USER OBJECTS AND/OR DISAGREES OF ANY, PARTS OF, OR THE ENTIRETY OF THE TERMS AND CONDITIONS, THE USER CAN NO LONGER CONTINUE TO USE THE SERVICES PROVIDED IN BANDINGIN.COM WEBSITE.


1. Definition

(1)   “Account” means an unique identity (excluding Personal Data) created by the User to access and utilize the Services provided within Bandingin.com website as stipulated within the Terms and Conditions, which We use to record and classify the activities of the User in the Bandingin.com website.

(2)  “Personal Data” means any and all information or data provided by the User and can be used to directly and/or indirectly identify all individuals (in the form of natural persons) consisting of but not limited to username, emails, passwords, full names, phone numbers and other contact details, addresses, identity numbers, identity documents (family cards, marriage certificates, etc.), tax identification numbers, account numbers, photos, user location, and other information, which is submitted by the User in accessing and utilizing the Bandingin.com website.

(3)   “We”, “Us”, “Our” or “Bandingin.com” means PT. SPARK INTEGRATED SOLUTIONS, including but not limited to the successors or assigns of PT. SPARK INTEGRATED SOLUTIONS, who has the right and authority to manage and operate the Bandingin.com website and the Services provided within.

(4)   “Privacy Policy” means the Privacy Policy applicable in Bandingin.com website.

(5)   “Content” means any and/or all contents displayed in the Bandingin.com website, in its entirety or any of its parts, including but not limited to its design, text, graphic design, photos, images, brands, videos, softwares, music, sounds and other files, tarriffs, fees, quotations, historical data, charts, statistics, articles, contact details of Bandingin.com website, other information, as well as its selection and arrangement.

(6)  “Services” means all parts and the entirety of the services and information displayed through Bandingin.com website, including but not limited to the provided information, features, supporting data, and other contents provided in Bandingin.com website.

(7)   “User” means every person accessing and/or utilizing the Services provided by Us through the Bandingin.com website, whether those who has created an Account or those who has not.

(8)   “Third Parties” means any and all third parties beyond the User, Us, and the legally authorized parties which We have appointed to manage Bandingin.com, whether in the form of natural persons, business entities, legal entities, or other types of entities.

(9)   “Terms and Conditions” is the agreement between the User and Bandingin.com which contains the provisions which stipulates the rights, obligations, as well as the liability of the User and Us, as well as the terms of use of the Services within Bandingin.com website.


2. User Age Requirement

To be able to gain access, register, as well as utilize the Bandingin.com website, the User shall be at minimum 18 (eighteen) years old or more, and shall be deemed as a capable and able party to bind intself in a valid and legally binding agreement pursuant to the applicable laws and regulations in the Republic of Indonesia, including but not limited to the Terms and Conditions.


3. Services

(1)   The User acknowledges and agrees that We provide information concerning insurance products provided by the Third Party through the Bandingin.com website. The Services available in the Bandingin.com website allows the User to search, look up, read, analyize, compare, and assess with the sole discretion of the User concerning such information.

(2)   The Services available in Bandingin.com website is currently provided for the search and compare activity for insurance products provided by the Third Party which has partnered with Us to display the product and information concerning the product in the Bandingin.com website.

(3)  The User acknowledges and agrees that We can at any time expand the scope of Services provided through the Bandingin.com website without prior notification to the User.

(4)   In providing the Services within Bandingin.com website, We hereby state the following matters:

a.     We will attempt to always provide and display the most updated and accurate information, however We cannot provide full representation that all information displayed in Bandingin.com website is displayed in an appropriate and timely manner, is relevant to the User needs, and/or is updated timely pursuant to the User devices;

b.    We do not and will not provide any advice and/or recommendation to the User with the exception of what has been stated in Bandingin.com website including in the provision of Services through Bandingin.com website, whether in the Terms and Conditions or the Privacy Policy;

c.     We do not provide any form of advice concerning investment, including but not limited to investment reccomendation in relation to the choices available in Bandingin.com website and is facilitated by Bandingin.com website to the User;

d.  We do not conduct any action, activity, and/or provision of any advice or consultation which results in Us and/or Bandingin.com website be deemed as investment consultant, investment manager, insurance agent, nor insurance broker as stipulated in the applicable laws and regulations in the Republic of Indonesia;

e.     The Content, information, and materials displayed in Bandingin.com website is only purposed to provide informaiton to the User in the form “AS IS” and cannot be deemed as an offer, application, invitation, advice, consultation, nor recommendation to apply for insurance product, conduct investment activity, or any other financial services;

f.     We will attempt to maintain that the numbers, prices, fees and values displayed and published in Bandingin.com website is as accurate as possible with the actual numbers, prices, fees and values, however Bandingin.com website cannot provide any representation that the prices and fees displayed in Bandingin.com website reflect the immediate changes in numbers, prices, fees and values (if any);

g.     We, the Bandingin.com website, every Director, Commissioners, employees, representatives, partners, affiliates, our agents cannot be held liable of any interference or trouble which occurs or is deemed to have occured, which were caused by the lack of preparation or publication of the materials or information displayed in Bandingin.com website;

h.     All information and data collected through Bandingin.com website, including but not limited to Personal Data, shall be collected by Us pursuant to the provisions of Law Number 11 of 2008 concerning Electronic Information and Transaction as well as its subordinate regulations;

i.       We reserve the full right to change, modify, delete, or discontinue parts or the entirety of Bandingin.com website, the Services, and/or the Contents at any time.


(5)  The User acknowledges and agrees that the User shall be fully liable of each and every decision made by the User concerning the selection of product or the signing of any agreement related to any product displayed in the Bandingin.com website, including but not limited to User application to obtain a product from the Third Party, which application is made through Bandingin.com website.

(6)  The User agrees to fully indemnify Us from any liability of possible losses and/or loss of opportunities suffered by the User caused by such decision making (including the absence of decision making).

(7)   The Services provided in Bandingin.com website is never coercive or binding, nor does it require the User to follow all the information provided.


4. User Representation and Warranties

The User hereby represents and warrants that in accessing and utilizing Bandingin.com website:

(1)   The User has read and agreed to the applicable Terms and Conditions and Privacy Policy in Bandingin.com website;

(2)   The User has full legal right, capacity, and authority to access, register, and utilize Bandingin.com website and the Services;

(3)   The User has good intention and will only access, register, and utilize Bandingin.com website and the Services for a legitimate purpose pursuant to the applicable laws and regulations in Republic of Indonesia;

(4)   The User is not in breach of its obligations by accessing and utilizing the Bandingin.com website, including but not limited to the obligations of the User which results from the agreement between the User and other Third Parties;

(5)   The User will not display, upload, publish nor share any materials, information, or data through Bandingin.com website and the Services which will violate or infringe the rights of any other third parties, including to copyrights, trademarks, and other intellectual property rights, as well as contains slander, defamation, or other matters which violates the applicable laws and regulations;

(6)   All data and information submitted and delivered by the User to Us through Bandingin.com website, whether electronically or manually, including but not limited to the User Personal Data, is accurate, complete, and is not misleading;

(7)   All User representations and warranties above is made truthfully, without hiding any material facts and matters, therefore the User shall be held fully liable of the truth of the above stated matters, and shall be held responsible for civil or criminal liability, if such representations and warranties do not fit the truth.


5. User Obligations

(1)   In accessing and utilizing Bandingin.com website and the Services, the User has the obligation to:

a.     Utilize the Bandingin.com website and the Services for legitimate purposes and causes pursuant to the applicable laws and regulations in Republic of Indonesia;

b.     Not utilize the information and data received by the User concerning Bandingin.com website for purposes other than what is stipulated in this Terms and Conditions;

c.    Not access without authorization, hacking, obstructing, harassing, disabling, overburdening or disrupting the performance or performance of Bandingin.com website or the Services, including but not limited to denial of services, spoofing, hacking, reverse engineering interference, reprogramming, data manipulation, crawling/scraping, automation in transactions, or the utilization of any framing technique to enclose any content or other proprietary information;

d.     Not upload or load any material and data containing viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or other malicious or similar computer code, files or programs designed to interrupt, affect, damage or limiting the functionality of software or hardware, or telecommunications equipment;

e.   Not use automatic scripts, performing the practice of scraping against the Bandingin.com website for the purpose of obtaining approval or other information from Bandingin.com website, the Services and the Content for any purpose;

f.   Not upload, load, or ensure unsolicited or unauthorized submissions of advertisements, requests, promotional materials, junk mail, spam, chain letters, pyramid schemes, into Bandingin.com website and/or the Services;

g.     Not upload, load, or otherwise enter any content into the Bandingin.com website or in communications with other parties, which in Our judgment are harmful, threatening, defamatory, unlawful, abusive, inciting, harassing, vulgar, obscene, contains fraudulent content, invades privacy or rights of publicity, hatred or racial or ethnic discrimination or which may be rejected under any laws and regulations, including Prohibited Content under the Circular Letter of the Minister of Communication and Informatics of the Republic of Indonesia, infringes intellectual property rights, or which may harm other User or Bandingin.com website;

h.    Not upload any information from third parties to Bandingin.com website, including but not limited to third party Personal Data such as address, phone number, email address, identity card number, account number and credit card number;

i.      Not pretend to have an identity that is not an identity of the actual User or claiming to have an identity that is inconsistent with the condition and identity of the actual User;

j.       Not create a fake identity to register, access, and utilize Bandingin.com website;

k.     Use internet connection and safe and reliable devices to maintain the security and smooth performance of Bandingin.com website;

l.       Maintain the security of User Accounts, including unique passwords and other unique information identical to User Accounts, and are solely responsible for the use of User Accounts by parties other than Users for any purpose;

m.    Ensure that Users leave the Account within Bandingin.com website at the end of each session;

n.     Immediately report to Us in the event that User knows and/or obtains the User's password and/or User Account has been used by other parties without the knowledge or permission of the User;

o.     Not intimidate, harass or endanger Us, any other Users, or any other third party, or endeavor to intimidate, harassment and other actions that may harm such parties.

(2)   We reserve the full rights to take any action that is deemed necessary to the User at any time, in the case wherein We deem that Users have failed to comply with one and/or more of the Users obligations referred to in these Terms and Conditions as well as the applicable laws and regulations, including but not limited to the temporary suspension of User Account, or the permanent revocation and/or blocking of User Account.

(3)   The measures referred to above shall not waive and/or render void Our right to at any time collect compensation, indemnification and liability from the User, as well as to pursue legal remedy against the User under applicable laws and regulations.

(4)   The User acknowledges and agrees to waive its right to submit any claim, indemnification, and/or compensation for any loss or damages, material or immaterial, to Us, resulting from any failure to access Bandingin.com website or any access method and the use of Bandingin.com website that are beyond Our control, including but not limited to loss of expected savings, loss of business or business opportunity, loss of income or profits, or any loss or damage which Users shall experience as a result of the utilization of Bandingin.com website.


6. Product Application

(1)   The User can apply to the Third Party through the Services and Bandingin.com website to obtain the insurance products displayed.

(2) The User acknowledges and agrees that such application is made pursuant to the User sole assessment and discretion, and the User hereby waive its right to submit any claim, indemnification, and/or compensation for any loss or damages, material or immaterial to Us resulting from such application through Bandingin.com website, and/or through the action, deletion, or the fault of the Third Parties who provide such products.

(3)   By submitting the application and obtaining the Product, the User acknowledges and agrees that the User shall enter into an agreement with the Third Party as the provider of products, with its own terms and conditions. The User is fully responsible to ensure that the User agrees to such terms and conditions prior to entering the agreement to obtain such products or services. We cannot be held responsible nor liable of any loss or damages which may be suffered by the User due to the applicable terms and conditions in each agreement between the User and the Third Party, including related to the actions, negligence, or the faults of the Third Party.

(4)   By applying to obtain the products of the Third Party, the User agrees to authorize Us to send the User data to the Third Party who provides the selected product, as well as authorize the Third Party to verify all information provided by any reasonable method and references.

(5)   The User will be requested to fill in and provide personal data and information for the purpose of to request for direct callback from the Third Party as the provider of the insurance products which have been selected by the User (callback request). By agreeing to conduct callbak request, the User hereby agrees and authorizes Us to submit such data and information to the Third Party provider of insurance products.

(6)  The User agrees that the Third Party provider of insurance products can further use the personal data and information provided by the User to directly contact the User and conduct marketing, promotion, offering, and/or other offer and sale activities related to the insurance products to the User.

(7)   The User agrees that the Third Party provider of insurance products act as the controller of submittedp personal data and information, therefore if the User intend to learn further the User must read the privacy policy of the Third Party or contact directly the Third Party for additional information.

7. Our Relationship with User

(1)   The User acknowledges and agrees that Our liability is limited as the party who provides the Services.

(2)  We shall not be held liable for any resulting damages, whether material or immaterial, direct or indirect, consequential or incindental, due to the agreement made between the User and Third Parties, including but not limited to those related to the insurance products provided by the Third Parties.

(3)   No provisions in these Terms and Conditions shall make or be deemed to constitute a partnership and/or agent relationship, or the employer relationship between User and Us.


8. Intellectual Property Rights

(1)   The User acknowledges and agrees that all copyrights, trademarks, patents, and all other intellectual property rights contained or associated with Bandingin.com, Services and Content sites are Ours and shall remain in Our sole ownership during the use of Bandingin.com website by User.

(2)   The User acknowledges and agrees that all graphic images, logos, designs, page headers, icons, writings and names of the Services displayed on the Bandingin.com website are Our property and expressly protected by Us or any third party designated by Us.

(3)   The User acknowledges and agrees that the grant of access, registration, use of Bandingin.com website, including downloading the Content of Bandingin.com website to the User shall not be construed as granting, assigning or transferring the right or license to the User to use the right to property intellectuals published or associated with the Bandingin.com website in any way. Any right or license to use any intellectual property rights held by Us and/or Bandingin.com website shall be preceded by Our written consent.

(4)   The usage of the name of Bandingin.com and/or intellectual property rights owned by Us in any form, including but not limited to advertising, publicity or hyperlinks shall be preceded by Our written consent.

(5)   We grant the User a limited license to access and utilize the Bandingin.com website and to download or print copies of any portion of the Bandingin.com website Content solely for the personal use of User in connection with Bandingin.com or the Services, provided that the User maintains all copyright or other complete proprietary notices. Our status (and that of any identified contributors) as content writers on the Bandingin.com website must always be acknowledged. However, the User are not obligated to change paper or digital copies of any material that the User have printed or downloaded in any way, and the User are not required to use any sequential illustrations, photos, videos or audio or graphic images separately from any accompanying text.

(6)   We can terminate this License at any time without any obligation to notify the User of the reason. Unauthorized use of Our intellectual property rights and/or the rights associated with Bandingin.com website may also violate applicable laws including but not limited to the laws and reguations concerning copyright and trademarks, and may result in lawsuits filed against the User.

(7)   If the User uses the Bandingin.com website and any intellectual property rights contained therein by violating these Terms and Conditions, the right of the User to use the Bandingin.com website and the intellectual property rights contained therein shall be terminated immediately and the User shall, by Our policy, return or destroy any copy of material that the User has created.


9. Website and Content

(1)   The User is prohibited to delete, alter or cover any copyright notices, trademarks, service marks or other Intellectual Property Rights and the User may not copy, reproduce, modify, adapt, display, license or exploit Our Content without Our written consent.

(2)   The User acknowledges and agrees that Content displayed on the Bandingin.com website may contain Third Party Intellectual Property Rights granting us the right to use, publish, alter or disseminate the Intellectual Property Rights. The use of Intellectual Property Rights in the Bandingin.com website may not be considered as a recommendation, advertisement or sponsorship of Ours to any Third Party or its products.

(3)   Unless otherwise specified, the software to provide the Service hereunder and the Site and Intellectual Property Rights in the Content are owned by Us, affiliates, associations, licensors, suppliers or providers of Our Content. The User hereby waives its right to claim, in any way for any loss or damage caused by material or immaterial damage resulting from any Third Party Intellectual Property Rights displayed in the Bandingin.com website and/or violation of such Intellectual Property Rights.

(4)  The User acknowledges that the Bandingin.com website may be interrupted by unscheduled maintenance, upgrades, emergency repairs, or as a result of telecommunication network failures and/or equipment and so forth that are beyond Our control. Consequently, the User waives its right to submit any claim, indemnification, and/or compensation for any loss or damages, material or immaterial, to Us, due to any adverse enjoyment in the use of Bandingin.com or Content site as a result of any change, suspension, termination from Bandingin.com website or Content loss.

(5)  The User acknowledges and agrees that the Bandingin.com website content may be derived from the cooperation between Us and Third Parties. The User is obliged to confirm the Content, and hereby waives its right to submit any claim, indemnification, and/or compensation for any loss or damages, material or immaterial, to Us, as a result of any change of Content, non-comformity of Content, nor the reliability of Content writers.

(6)   The User acknowledges and agrees that the Content contained in Bandingin.com website may expire at any time and We have no responsibility to update such Content.

(7)   The User acknowledges and agrees that We do not warrant that Bandingin.com website, together with any Content contained therein, is free from any errors and omissions.


10. Content Upload by User

(1)   If there is a feature in Bandingin.com site that allows User to upload Content into Bandingin.com website, the User shall ensure that the Content uploaded is subject to the provisions of the Terms and Conditions and applicable laws and regulations. The User warrants that if such Content is not in accordance with the conditions required then User is responsible to Us and shall indemnify Us for such nonconformities.

(2)   The Content that the User uploads into Bandingin.com website shall be regarded as non-confidential and does not belong to anyone. The User owns the property rights of such content, but the User hereby grants Us and/or Bandingin.com limited authority to use, store and copy the content and to distribute it to other parties.

(3)   Without prejudice to such User rights, We may ask the User for consent to provide comments to display on Bandingin.com website.

(4)   We reserve the right to remove uploads or content that the User uploads on the Bandingin.com website, if in Our view, such  upload or the content does not comply with these Terms and Conditions and the applicable laws and regulations.

(5)   We may provide a place through blogs, messages, chat rooms, bulletin boards or other similar forums, where the User may publish or share the User comments.

(6)  The User hereby understands and agrees that We do not participate and are not involved in creation and publication of the User comments. We do not undertake any approval or endorsement of comments of the User, and the User hereby accepts and agrees that We are not in control of the quality, accuracy, duration, security, correctness, accuracy or validity of any User comments, so We encourage the User to use the forum wisely.


11. Prohibtion of Website Abuse

(1)   The User is prohibited to misuse Bandingin.com Website, the Service or any Content contained therein because of any cause.

(2)   In accessing and/or using Bandingin.com website, the User is prohibited:

a.   conduct or support criminal acts, transmit or distribute viruses including Trojan horses, worms, logic bombs or transmit any other malicious material to the Bandingin.com website, harmful technology, in breach of credentials or in any way offensive or abusive;

b.     entering into any aspect of the Bandingin.com website Services without permission;

c.     damage the data;

d.     causing interference to other Users;

e.     infringes on the rights of others;

f.     send unsolicited advertising or promotional material;

g.   attempt to influence the performance or functionality of any device facility or access to the entire Services of Bandingin.com website.

(3)   The User acknowledges and agrees that any violation of this provision constitutes a crime under Law Number 11 of 2008 concerning the Electronic Information and Transaction and its subordinate regulations, and the violation by the User shall be followed by reporting of such violations by Us to the law enforcement authorities.


12. Links to Third Party Platforms

(1)  Bandingin.com webite may connect to other platforms at any time. Such connection is beyond Our control and responsibility. We do not guarantee the content or availability of any related platforms that are not operated by Us. Links to the Bandingin.com website, is available only for the convenience of the User, and We do not indicate trust or approval of the related platform. For that reason, the User should always refer to the terms and conditions that exist on the associated platform before the User use the platform.

(2)   The User is not unauthorized (the User is also not authorized to assist others) to link from the Bandingin.com site to any platform without written consent, which We may grant or decline in accordance with our policies. The User not permitted to create a Hot Link to content or images without Our prior written permission.

(3)   The User hereby waives its right to submit any claim, indemnification, and/or compensation for any loss or damages, material or immaterial, to Us, caused by any service or content of any connected third party applications or sites with Bandingin.com website through links, including but not limited to the damage suffered by the User which may be caused by the searching of such links by the User, whether from spyware, malware, worms, errors or damage to material contained in the application or sites operated by Third Party.


13. Limitation of Liability and Indemnification

(1)  In providing Bandingin.com website and its Services, We endeavor and commit to remain in full compliance with applicable laws and regulations, including but not limited to Law Number 11 Year 2008 regarding Information and Electronic Transactions and its subordinate regulations and Law Number 8 Year 1999 regarding Consumer Protection.

(2)   We shall not be liable for any loss arising from the failure of the User to comply or the negligence of the User to implement the applicable provisions against it in the Terms and Conditions, as well as applicable laws and regulations.

(3)   Without prejudice to any other provisions of the Terms and Conditions and Privacy Policy, We shall not be liable for any loss arising in connection with:

a.     Unavailability of access to and from Bandingin.com website or the Services for any reason and cause;

b.     Changes, modifications, deletions, additions, termination of the Bandingin.com website and its Services, Terms and Conditions, Privacy Policy and other applicable terms;

c.     Failure to perform system, network, server, connection of Bandingin.com website resulting in unavailability of the Services, whether intentionally, or unintentionally, or the consequences of any third party acts outside of our control;

d.  Inaccuracies, imperfections, appropriateness, inaccuracies, errors, inconsistencies and omissions from Bandingin.com website and the Services;

e.     Loss of profit, opportunity or data arising from the use of Bandingin.com website and the Services by the User;

f.      Adverse Effects that the User are experiencing as a result of accessing the Bandingin.com website and its services;

g.    Any violation of the waiver of the Terms and Conditions and Privacy Policy required by applicable laws and regulations, orders of the competent authorities or court rulings.

(4)   The User agrees to indemnify and hold harmless against all claims, liabilities (including statutory obligations and liabilities to third parties), expenses, expenses, fines, fees (including but not limited to legal costs on an full indemnification), damages, decisions and / or damages incurred or incurred by Us, including any profits or opportunities (potential or actual) that may be derived therefrom or lost, caused by or arising out of:

a.     User Violations against Terms and Conditions and Privacy Policy and the applicable laws and regulations;

b.     User Offenses against the representations and warranties as mentioned above;

c.     Third Party Actions using User accounts that cause harm to Us and/or other parties;

d.     Omissions of Users causing Third Party harm.


14. Governing Laws

(1)  The Terms and Conditions and all matters relating to User access to the Bandingin.com website and the Services are governed by and construed in accordance with the laws of the Republic of Indonesia, regardless of the conflict of law rules.

(2)   The User agrees that any legal action or dispute that may arise from, relate to, or in any way relate to Bandingin.com website and/or the Services shall be resolved non-exclusively within the jurisdiction of the courts of the Republic of Indonesia.


15. Updates and Amendments

The Terms and Conditions may be updated or amended at any time without prior notice. The User is advised to always read and check the Terms and Conditions carefully from time to time to find out any changes. By continuing to access and use the Bandingin.com website and the Services, the User is deemed to have agreed to any changes in the Terms and Conditions.


16. Contact Us

(1)   To contact Us, please send an email to contactus@bandingin.com

(2)   The User may also read the Content We have prepared to answer around general questions regarding Bandingin.com website and the Services provided.