Terms and Conditions

These General Terms and Conditions of Mobile Banking Services "Permata ME" (with all amendments there to here in after referred to as " T&C of Permata ME") are an agreement which regulates the terms and conditions including the rights and obligations related to the usage of the mobile banking services by PT Bank Permata Tbk., a banking company licensed and supervised by Financial Services Authority and  member of Indonesian Deposit Insurance Corporation (IDIC) having domicile in Jakarta, as a provider of electronic banking and other banking services (here in after referred to as "Bank") to customer  who act as themselves as the users of Mobile Banking services from the Bank (“Customer”).

• To the extent not interpreted otherwise, the following words and definitions initial with capital letters shall have the definitions as follows:
  •  “Business Day(s)” is the day on which the Bank operates to performs clearing activities as stipulated by regulator.
  • "Instruction" is an order given by the Customer through Permata ME to the Bank to process and complete the Transaction.
  • “Transaction” means banking activities carried out by Customer via Permata ME, including but not limited, check of balance and account transfer, fund transfer, bill payment, purchase and other transactions provided by the Bank from time to time.
  • “Security Code” is the User ID, Password, Response Passcode, Transaction PIN/mobile-PIN and other verification codes issued by the Bank to enable Customer have access to Account and make the Transaction via Permata ME.
  • “Permata ME” is the internet-based electronic banking services provided by the Bank for use by Customer to access to banking products and make Transactions. The features include the services for bill payment, fund transfer, purchase, application the banking product and/or services, including the other services to be further stipulated by Bank.
  • “User ID” is the identity created by the Customer during Permata ME registration in accordance with Bank’s rules and be used for one of Security Codes to access Permata ME.
  • “Password” is an alphanumeric combination created by the Customer when creating the User ID which is used for one of Security Codes to access Permata ME.
  • ”Account” is all current accounts or saving accounts or other accounts that belongs to the Customer on The Bank that can be accessed via Permata ME.
  • “Response Code” means a one-time special code in the form of a row of numbers sent by the Bank to the Customer via Token to confirm the Instruction. This security code is dynamical in the form of one-time password (OTP).
  • “Token” means Transaction security features to receive a Response Code that can be delivered via SMS Token (short messaging to Customer’s mobile number registered with the Bank).
  • "Transaction PIN" or “Mobile PIN” is a secret numeric code entered by the Customer during Transaction, which belongs to the Customer and is highly confidential. Transaction PIN/Mobile PIN is created and registered through Permata ME and can be changed at any time by the Customer.
  • ”Scheduled Transaction” is an instruction for the Transaction issued by the Customer to be executed in the future in accordance with the  Transaction execution schedule made via Permata ME.
  • ”Recurring Transaction” is an instruction for the Transaction issued by Customer to be executed repeatedly in a given period via Permata ME.
  • “WhatsApp” means instruction for the Transaction issued by Customer to be executed repeatedly within the set time period outside of Permata ME.
  • "WhatsApp" means a smartphone messenger application that allows its users to receive and send messages through the cellular telephone number that has been registered with the application.
  • "WhatsApp Gift" is one of Permata ME feature for customer to give transfer transaction instruction by filling in the recipient’s phone number that registered in the WhatsApp application.
  • “Debit Card” is a card issued by the Bank as an ATM card and a debit card which is used to make transactions via ATM and shopping via merchants according to the network logo on the debit card. 
  • "Credit Card" is a payment instrument in the form of a card which is used to perform payment obligations from economic activities, including shopping transactions and/or Cash Fund withdrawals, which are fulfilled by cardholder with cash advance and/or other transactions determined and approved by the Bank. 
  • "Credit Limit" is the maximum credit limit determined and approved by the Bank, including its changes from time to time. 
  • "Cash Fund" is a cash disbursement from the Credit Card limit. The payment is able to be paid with installments according to the period/tenor agreed by the cardholder. 
  • “Transactional Account or Electronic Billing (e-Statement)” is a report of debit and credit activities which is available via e-Statement menu on Permata ME, up to a 12 (twelve) months period, with a minimum average balance in accordance with applicable regulations.
  • "SimplePay" means the facilities given by the Bank to Credit Card Customer to modify the retail transaction in a specified amount into installments with interest rate and tenure chosen by Customer and Customer shall be charged with administration fee for the application of this facility.
  • "QR" is one of Permata ME features to scan and/or show a QR Code to do any Transactions, including but not limited to domestic and overseas payment.
  • "QR Code" is a standard code that is contained or generated on the system/terminal/device and can be scanned through the QR feature so the payment transaction can be processed.
  • QRIS (Quick Response Code Indonesian Standard) is a QR Code standard set by Bank Indonesia and shall be issued from any Payment Service Providers (PSP) to facilitate payment transactions in Indonesia.
  • “QRIS Merchant” is an individual or business entity/legal entity who sell goods or services, who has a saving account or an account at one of the QRIS provider (including Bank) which has been licensed by Bank Indonesia. 
  • “Cross Border QR Transaction” is a payment transaction using a QR Code which has been standardized by the Central Bank in each country on merchants in countries that has been determined by Bank Indonesia.
  • “Switching” is an electronic system to connect data processing system for interbank transactions.
  • “BI-FAST” is a national retail payment system infrastructure which facilitates payment that is real-time, secure, efficient and available for 24/7.
  • "SPT Supporting Document" is a document that contains a summary of the total debts, assets and income owned by the Customer at the Bank in a certain reporting period.
  • Personal Communication Facilities are means of personal communication, namely telephone, cell phone, electronic mail, short message service, voicemail, video calls and instant messaging applications.
• Other terms starting with initial capital letter which are not defined in this T&C Permata ME shall refer to the definitions contained in the General Terms and Conditions of Account Opening (“T&C of Account Opening”), General Terms and Conditions of Credit Card (“T&C of Credit Card”), and other documents issued by and legally binding upon Bank.

• Permata ME services shall be provided to Customer who meets the following qualifications:
  • Customer shall have Account and/or valid Credit Card in accordance with the applicable regulation;
  • Customer shall download Permata ME application provided by the Bank,
  • Customer shall register the application of Permata ME services;
  • Customer shall have a valid e-mail;
  • Customer shall have active mobile number which is registered with the Bank’s system.
• To enable application of Permata ME services, Customer shall have its smartphone connected to the internet.

• Security Code is highly confidential and authorized application thereof rests on the Customer and, therefore, Customer shall be fully responsible for maintaining confidentiality of the Security Code. Bank shall not be responsible for any disclosure of Security Code by the Customer to a third party, intentionally or unintentionally, therefore, the Bank will not provide indemnity and/or being liable in any form to the Customer or any party of any claim or lawsuit by third party in relation with disclosure of Security Code to the third party.
• Customer shall maintain confidentiality of the Security Code through the following:
  • Not to disclose / inform the Security Code to any third party, including the Bank’s internal person.
  • Not recording and storing information of Security Code onto paper or other media that may be possibly known to the third party.
  • Confirming security when inputing the Security Code into Permata ME, especially for application in the public area.
  • Periodically change the Password and Transaction PIN/Mobile PIN.
  • Not to use the same PIN nor Password repeatedly.
  • Use different Transaction PIN/Mobile PIN or Password from other e-Channels owned by the Bank or by any party.
  • Accessing Permata ME via smartphone or other similar electronic devices owned by the Customer or under Customer’s control.
• In the event that Customer find out or suspicious that the Security Code has been disclosed to unauthorized person, Customer shall take precautions by changing the Password and Transaction PIN/Mobile PIN and notify the Bank immediately so that Bank can take the necessary actions.
• Bank may, at its sole discretion, accept or reject any Instruction that is considered come from Customer whether or not through authentication and verification of the Security Code, without obligation by the Bank to verify identity of the Instruction issuer. If the Bank reject the Instruction, Bank shall notify the Customer in writing by notifying the reason of the rejection unless otherwise stipulated in the applicable laws. If it is deemed necessary to make direct confirmation, Bank may contact the Customer directly in mechanism as specified by the Bank.
• Application of Security Code has the same legal effect as written instruction signed by Customer, Customer hereby confirms that application of Security Code in any Instruction also serves as the granting by Customer of authority to Bank to execute any Transaction, including without limitations, account debiting either for the purposes of execution of the Transaction as instructed or for the payment of all possible charges as stipulated in this T&C of Permata ME.
• For any reason, Bank may at anytime void and/or deactivate Security Code by giving the notification to Customer in accordance with the applicable laws.

• For the usage of Permata ME services, the Bank reserves the right to impose charge to the Customer for every Transaction and non-Transaction fees (including notification or other banking service fee) performed by Customer, and Bank may, at its own reasonable consideration and not violationg the applicable laws, amend such fee upon giving notice to Customer through communication means to be determined by Bank in accordance with the applicable laws.
• Customer shall pay to the Bank all charges arising out of the application of Permata ME, including without limitations, Transaction fees, non-Transaction fees, and taxes to be borne by Customer in accordance with the applicable laws.
• All charges incurred shall be debited directly by Bank from the Account and Customer hereby authorizes Bank to debit the Account for the payment of charges relevant to Transaction and application of Permata ME. Customer’s authority granted to Bank shall be irrevocable, not be voided and/or not terminate for reasons set forth in Article 1813 of the Civil Code in force in the Republic of Indonesia (“KUHPer”) (which basically regulates the termination of the power of attorney by (i) withdrawing the power of attorney, (ii) notification of termination of power by the attorney, (iii) demise, amnesty or bankruptcy, both the principal and the attorney) or for any reason whatsoever.
• Other agreement entered into between Bank and Customer for charges relevant to the application of Permata ME shall survive and constitute an integral part of this T&C of Permata ME binding upon Customer.
• Access or service fees being part of telecommunication operator service package, including SMS, internet or other charges shall be at Customer’s sole expense and beyond the responsibility of the Bank.
• Fee and limit for any Transaction on Permata ME shall be according to the fee and limit of each Debit Card held by Customer. Bank may amend the fee and limit for each Transaction on Permata ME upon giving prior notice to Customer in accordance with the applicable laws.
• Fee and limit for any Transaction using a Credit Card on Permata ME shall be according to the fee and Credit Limit approved by the Bank on the Customer’s Credit Card. Bank may amend the fee and Credit Limit for each Transaction on Permata ME upon giving prior notice to Customer in accordance with the applicable laws.

• In every Transaction, Customer shall comply with the procedures for the issuance of Instruction and ensure the accuracy and completeness of the Instruction (including ensure that all data required for Transaction has been filled in completely and correctly).
• In conducting Transactions, the Customer is required to enter the Transaction PIN/Mobile PIN as an authentication method for the Bank.
• Transaction PIN/Mobile PIN shall be used by the Customer and the Customer is responsible for using the Transaction PIN/Mobile PIN.
• In the event that the Customer does not make any financial Transaction in 3 (three) months, the Transaction PIN/Mobile PIN will be deactivated automatically or cannot be used. The Transaction PIN/Mobile PIN shall be re-registered if the Customer want to do Transactions again.
• For Scheduled Transaction or Recurring Transaction, Customer may cancel the Transaction by authorizing the cancellation no later than 1 (one) calendar day before the effective date of Transaction.
• For Scheduled Transaction, Recurring Transaction, or Auto Debet, shall be processed at the beginning of the day at the time as stipulated on Bank procedures. For Recurring Transaction, if the closing date of Transaction falls on the same date as the specified periodic effective date, then Transaction shall be processed on the same day.
• For fund transfer Transaction to other bank account domestically via LLG and RTGS, if Transaction time exceeds deadline as set forth in the LLG and RTGS or effective date of Transaction falls on Bank’s holiday, Transaction shall be accepted and processed on the next Bank’s Business Day. For fund transfer Transaction to other bank account domestically that have online facility via Switching network in cooperation with Bank and through BI-FAST with the destination of fund transfer to BI-FAST participant bank account, Transaction shall be accepted and processed even on holiday.
• For transfer Transaction to mobile phone number and WhatsApp Gift, Customer shall ensure the sufficiency of fund until Transaction has been processed and fund  received by beneficiary. If the Transaction is not settled until the specified deadline on Permata ME, the Instruction cannot be executed.
• For transfer Transaction to mobile phone number, the information of fund transfer to the recipient will be sent via SMS. For WhatsApp Gift Transaction, the information of fund transfer to the recipient will be sent via WhatsApp.
• Bank may reject, not to process and cancel the Instruction received to the extent it is possible in accordance with the Bank’s system and procedures by notifying the reason for the rejection, not processing, and cancellation unless otherwise stipulated by the applicable laws, when any or more of the following conditions follows:
  • The fund in the Account is not sufficient or below minimum balance as stipulated by the Bank, or;
  • There is a suspicion of actual or potential deceit or fraud, or, according to Bank, breach of Bank regulation and/or applicable laws, or;
  • At Bank’s reasonable consideration and not violating the applicable laws, an Instruction may cause the Bank to assume liability and/or subject to claim, complaint, losses, directly or indirectly, extended by a third party, or;
  • An Instruction is issued by the competent authority to be complied with and performed by the Bank.
• Without prior notification, Bank may, at its reasonable discretion and not violating the applicable laws, cancel or suspend Instruction received at anytime accompanied by the reason of the cancellation or postponement unless otherwise stipulated in the applicable laws, without any obligation to give any compensation or penalty or damages.
• Application of any Transaction type or feature available in the Permata ME shall be subject to terms and conditions of such type or feature, together with amendments thereto as Bank notifies to Customer via communication means provided by Bank in accordance with the applicable laws.

• The Customer is able to apply a Credit Card (including additional Credit Card or other Credit Cards) according to the Credit Card product availability on Permata ME. Each application by the Customer shall be processed according to the terms and conditions of the Credit Card application at the Bank. 
• The Customer is able to create or change the Security Code, namely the PIN (Personal Identification Number) of the Customer's Credit Card via Permata ME. 
• The Customer is able to block lost Credit Card via Permata ME. In the event the Customer submits this request, the Customer hereby authorizes the Bank to block the Credit Card which is chosen by the Customer. The Bank will automatically issue a replacement Credit Card and send it to the registered address in the Bank's system.
• The Customer is able to perform payment of the Credit Card via Permata ME. The types of payment are as follows: 
  • Payment according to the total bill for the month, 
  • Payment with a minimum amount, or 
  • Payment with other amount. 
• The Customer is able to register bill payment of the Customer's or any party's to any partner who cooperate with the Bank, including but not limited to paying TV/internet, PAM, PLN and telephone bills according to the available services on Permata ME. 
• The Customer is able to activate the Credit Card approved by the Bank via Permata ME. 
• The Customer is able to apply for Cash Fund facility via Permata ME. The limit of Cash Fund submitted by the Customer is a maximum of 50% (fifty percent) of the availability of Credit Limit. Each application shall be processed according to the terms and conditions applied by the Bank. 
• The Customer is able to apply increase of temporary Credit Limit of the Credit Card via Permata ME. Each request shall be processed according to the terms and conditions applied by the Bank. In this regard, the Bank has the right to determine the amount of the limit and the period for increasing the temporary limit (maximum of 30 Calendar Days).
• The Customer is able to download Electronic Billing (e-Statement) of the Credit Card via Permata ME. Electronic Billing (e-Statement) that can be downloaded is for the last 12 (twelve) months.
• The Customer may obtain the SimplePay facility from Credit Card Transaction on Permata ME. The Credit Card Transactions allowed to be converted to the SimplePay facility are as follows:
  • The Transactions performed after the Customer has an Account/has been registered to Permata ME.
  • The Transactions that have been recorded by Bank system and have been billed by the merchant to the Bank through the system.

• The Customer acknowledges that QR shall be used at merchant who has been registered as QRIS Merchant, therefore may process the Transaction with QR Code as standardized by Bank Indonesia. The QR feature carries out Transaction activities, such as but not limited to, payment Transaction and/or other Transactions provided by the Bank from time to time in accordance with Bank Indonesia regulations.
• The Customer acknowledges that QR shall be used overseas at merchant who has been registered using QR Code as standardized by Central Bank in each country, therefore may process Cross Border QR Transactions. Cross Border QR Transaction is limited to payment activities.
• All Transactions performed via QR features can only be processed by using the Bank account in Rupiah (IDR).
• The Customer acknowledges and agrees that all data or information displayed by QR when scanning the QR Code, is not issued by the Bank, therefore the Customer is obliged to ensure the data or information displayed is appropriate before the Transaction is settled, therefore the Bank shall not provide compensation in any form from any error/failure/incompatibility of the data or information.

• SPT Supporting Document is able to be downloaded by the Customer via Permata ME according to the reporting period needed. For reporting period in the current year, it can be downloaded in the year after. 
• The scope of products that will be included in the Customer's SPT Supporting Document are: 
  • Saving Account; 
  • Current Account; 
  • Deposit; 
  • Bonds (corporate and government); 
  • Mutual funds; and 
  • Loans (KTA, KPR, and Credit Card) 

As recorded in the Bank’s system. 

• SPT Supporting Document is issued by the Bank only as Customer reference in order to fulfill the obligation to fill and report Customer's annual SPT and is not a tax withholding slip, proof of tax payment, proof of tax reporting or other taxation documents as stipulated in the applicable laws. 
• SPT Supporting Document is not recommended to be used as the sole reference for the Customer in reporting the total debts, assets and income owned by the Customer on the Bank.
   

Subject to this T&C of Permata ME and not violating the applicable laws, the Customer hereby agrees and responsible for the following:

• Permata ME registration that carried out by Customer.
• All losses, damages, claims, demands or lawsuits from any party against Customer that may arise in relation with Customer’s Instruction via Permata ME.
• In the event of occurrences as set forth in point ii above, Customer shall cause the Bank to be fully indemnified against any claim, losses, charges or expenses extended by any third party against the Bank at anytime and from time to time, directly or indirectly, in relation with the execution of Instruction, including without limitations, lawyer fee incurred by Bank.
• Whereas any Instruction issued by Customer does not violate the applicable laws, and Customer shall be responsible for all risks and losses arising out in relation with changes in the Transaction and/or negligence, mistakes, fraud, misunderstanding or ambiguity of the Instruction issued by Customer to the Bank via Permata ME.
• Whereas Customer shall not manipulate, copy data and/or take other unlawful action resulting in the change of Permata ME data and/or mobile phone details in the provider card (SIM Card) registered in the Permata ME for unlawful purposes.
• Customer shall immediately report to Bank in the event of:
  • Customer not using mobile phone number registered in the Permata ME anymore
  • Customer being aware of an indication of multiplication of mobile phone number or SIM Card
  • Application and/or modification of Permata ME by unauthorized person.
• To protect smartphone device and confidentiality of the Security Code from theft or misuse by any parties.

• The Customer hereby gives approval to the Bank to: (i) use Personal Communication Facilities, data, information, personal information related to the Customer obtained by the Bank from the Customer for the purposes of providing and using Permata ME services and all other purposes as long as it is possible and permitted by the prevailing laws and regulations; (ii) use Personal Communication Facilities obtained by the Bank from Customer for the purposes of marketing the Bank's products or other parties who cooperate with the Bank; (iii) disclose data, information, Customer’s personal information to third parties who cooperate with the Bank in connection with the Bank's products and services, including but not limited to the competent authorities by taking into account of the provisions of the applicable laws and regulations. For data use that requires the approval of other parties, the Customer hereby declares that the Customer has obtained written approval from any third party for the use of such data, information and information, and therefore the Bank shall hereby not provide compensation and/or liability in the form of anything to the Customer and any party for all risks, demands, lawsuits and/or compensation that may arise in the future in connection with the use of data, information and information that has obtained written approval by the Bank as long as the use of the data is carried out in accordance with the provisions of laws and regulations. The Customer hereby states that the Customer understands the purpose and consequences of the Customer's agreement regarding the use of data, information and information as described in this paragraph.
• If (i) the Customer objects to give approval or the Customer intends to revoke the approval for using Customer's Personal Communication Facilities for the purposes of marketing Bank products or other parties working with the Bank and/or (ii) the Customer objects to giving approval or the Customer intends to revoke approval for the Bank to disclose data, information , personal information related to the Customer to third parties for the purposes of marketing Bank products or other parties who work with the Bank, the Customer can visit the nearest Bank branch office or contact the Bank via Permata Tel or other media determined by the Bank in the future.
• Objections to the approval or revocation of approval that have been submitted by the Customer to the Bank either through the Bank's branch office or through Permata Tel or other media determined by the Bank in the future as referred in this article shall be effective as from being recorded in the Bank's system.

• Customer agrees that Instruction executed via Permata ME is valid and supported by the following documents:
  • Transaction transfer at the Account in respect of Transaction with the Bank, and/or;
  • Electronic papers and documents administered by Bank in respect of the application of Permata ME.
• Unless otherwise proven in accordance by the applicable laws, Customer agrees not to dispute against the validity, accuracy or authenticity of evidences of Transaction and communication transmitted electronically between Customer and Bank, including computer records or Bank transaction evidences, tape/cartridge, recording, computer printout, copy or other storage media, or data displayed by Bank or all tools or documents being valid Transaction evidences.
• By performing Transaction, Customer acknowledges that all communication and Transaction notified to Bank shall be treated as valid evidences even there is no written documents or even in absence of documents signed by Customer and/or Bank.

• Customer accepts and authorizes any action taken by Bank for the purposes of successful Instruction and, therefore, Bank shall not provide compensation and/or liability in any form to the Customer or any party for all claims and/or compensation claims arising out in relation with the execution of Transaction based on Customer’s incorrect Instruction, including:
  • Rejection and/or suspension and/or cancelation of Transaction by Bank under this T&C of Permata ME by notifying the reason of the rejection and/or suspension and/or cancelation unless otherwise stipulated in the applicable laws.
  • Damages or losses of the Customer caused by system and/or devices from the internet browser provider or by Internet Service Provider ("ISP") or agents thereof.
  • All disturbances by computer viruses or trojans, worms or other malwares beyond the Bank’s control that is accessed by the Customer and have an impact on Permata ME, Customer Transaction, or Customer’s data itself.
  • Unauthorized application of ISP by the Customer.
  • Misuse of the Security Code caused by the Customer or any third party beyond the Bank’s control.
  • Failure, negligence, incompleteness, ambiguity or inaccuracy of Instruction notified by Customer.
  • Customer’s failure of instruction, procedures and manuals for the application of Permata ME.
  • Direct or indirect losses or other consequences resulting from Customer’s or other party’s failure or mistakes in relation with the application of Permata ME.
• Bank shall not give representation and warranty that partial or whole of the Permata ME services are suitable or ready for use in other areas outside the Indonesian territory and that access to Permata ME is permitted in such areas. Therefore, Customer shall be fully responsible for and comply with the local laws for its decision to use the Permata ME in other location.

Bank shall not be responsible for any losses and damages and claims sustained by Customer or other party arising out of:

• Transaction performed by Customer in contrary to this T&C of Permata ME and/or applicable laws and/or Bank’s policy,
• Divulgence and misuse of Customer’s Security Code to and by third party, including but not limited to the misuse of the Transaction PIN/Mobile PIN.
• Incomplete or erroneous Instruction and Transaction caused by Customer’s failure and/or negligence and resulting in Customer’s losses.

• Customer hereby agrees that the following events constitute a Force Majeure sustained by Bank are failure of equipment, viruses, power outage or failure, riots, flood, or other natural disasters, explosion, chemical reactions, accident, disease, strike, government regulation, and other occurrences beyond Bank’s reasonable control.
• In the event of Bank’s failure or delayed to execute the Instruction, partially or wholly, due to Force Majeure as referred above, Bank is exempted from any responsibility to Customer for all risks, liabilities and claims extended by Customer or the third party that may arise in relation with delay in the execution or failure of the Instruction due to Force Majeure, to the extent the Bank complies with its obligations in accordance with the applicable laws.

• Bank shall be entitled at any time to make changes to the contents of the T&C of Permata ME by giving notice to the Customer within not later than 30 (thirty) Business Days before the change in question takes effect or other period as permitted by the prevailing laws and regulations (" Notification Period "). In the event that the Customer fails to agree to changes to the contents of the T&C of Permata ME proposed by the Bank, the Customer can submit an objection and has the right to terminate the use of Permata ME during the Notification Period by first fulfilling all payment obligations that are still owed to the Bank under the T&C of Permata ME (if any). If the Customer files no objection to the changes to the contents of the T&C of Permata ME submitted by the Bank during the Notification Period, the Bank shall be entitled to assume that the Customer agrees to these changes and the Customer shall be bound by all changes made by the Bank.
• Any amendment to the terms and conditions of this T&C of Permata ME shall be binding upon Customer and constitute an integral part of the General Terms and Conditions of Account Opening with the Bank.

This T&C of Permata ME is made in Bahasa Indonesia and English version. In the event of discrepancy in the interpretation, inconsistency or contradiction of T&C of Permata ME between Bahasa Indonesia and English version, the Bahasa Indonesia version shall prevail.

• This T&C of Permata ME is governed by and interpreted in accordance with the laws of the Republic of Indonesia.
• Any conflicts, disputes or dissenting opinion ("Disputes") that arise between Bank dan Customer in connection with the implementation or under T&C of Permata ME shall be resolved in the following manner:
  • Bank and Customer agree that any Dispute, as far as possible, shall be resolved by means of deliberation to reach a consensus.
  • Any Disputes that cannot be amicably resolved to reach a consensus by the Bank and the Customer, the Disputes shall be resolved through the Alternative Settlement Institution for the Financial Services Sector.
  • Any Disputes that cannot be resolved either by deliberation to reach a consensus and or through Alternative Settlement Institutions for the Financial Services Sector, shall be resolved through one of the District Courts in the Republic of Indonesia as determined by the Bank.

• Customer’s User ID, Password and Transaction PIN/Mobile PIN shall be subject to blockage if the following occur:
  • Customer input the wrong Password, User ID and Transaction PIN/mobile-PIN for 3 (three) consecutive times when using Permata ME.
  • By Customer’s request.
  • Bank indicated the likeliness of divulgence of Customer’s User ID, and/or Password, and/or PIN Transaction/mobile-PIN to other person.
• In the event of blockage, Customer shall:
  • Have the Permata ME re-registered; or
  • Reset Password by calling Permata Tel or nearest Bank branch
• Permata ME services shall be terminated or ceased if any or more of the following conditions are met:
  • Customer applies for termination of Permata ME with the nearest Bank branch or Permata Tel.
  • Customer ceases all Accounts and/or services at the Bank.
  • Bank discovers unlawful use of Account by Customer.
  • Bank performs an obligation for cessation of the Permata ME services as required by the applicable laws.
  • Bank undergoes interruption and, thus, ceases the Permata ME services upon giving notice to Customer through communication means as specified by Bank.
• Bank ceases or suspends the Permata ME services unilaterally without giving prior notice to Customer in the event of the following:
  • Technical:
    • Technical failure of network;
    • Network being upgraded, modified and/or maintained.
  • Non Technical: there is an indication of network being used for crime or illegal activities.
  • Government regulation and/or laws prohibiting the execution and/or application of Permata ME services via mobile banking and/or the like and/or similar activities.

• The Customer will always comply with the provisions set by the Bank including the Anti-Bribery policy in force at the Bank and promise and commit not to give gifts, commissions, rebates or other forms/actions that can be categorized as bribery to the Bank, Bank employees and/or other third parties related to the Bank and/or Bank employees in connection with the implementation of the contents herein. 
• Bank can terminate, discontinue, or postpone T&C of Permata ME at any time with or without any reasons if there are indications of bribery committed by or on behalf of or for the benefit of the Customer.
• If the Bank may (i) restrict, reduce, modify, cancel, and/or cease whole or part of the Permata ME services and (ii) add, reduce, revoke or modify current or available Transaction via Permata ME, the Bank shall provide prior notice to the Customer by referring to the applicable laws,
• Upon acceptance of this T&C of Permata ME by Customer, the Customer hereby declares that the Customer has been given sufficient time to understand, agree and be bound by the terms and conditions of this T&C of Permata ME and other provisions stipulated by Bank pertaining to the execution of Transaction, which shall be notified in advance by the Bank to Customer in accordance with the applicable laws, together with any amendment, supplement or implementing regulations thereof.
• If the Customer takes actions outside the terms of the T&C of Permata ME, all demands and/or lawsuits and/or claims submitted by other parties in connection with the Customer’s actions, shall fully be the responsibility of the Customer, and hereby the Customer releases the Bank from all consequences caused by the negligence of Customer.
• For any complaints from the Customer related the products/services of Bank, the Customer should contact Permata Tel on 1500111 or 021-29850611 or other media as stipulated by Bank that can be found in the website www.permatabank.com, by preparing all required documents related with the respected complaints.