The
following Terms and Conditions of Use (“Terms”) shall apply for all users and readers of https://jejakasuransi.blogspot.com/,
whether via website, mobile site, application or any other platform or device (“Site”) and any
present or future information, data, articles, tools or features contained in
the Site, whether in form of, among others, artwork, audio files, computer
code, graphics, images, logos, music, photographs, programs, software, buttons,
widgets, applications, sounds, text, trademarks, user interfaces, videos or
visual interfaces that, from time to time, are made available or may be
accessed through the Site (“Content”).
These Terms may be changed, amended,
supplemented or otherwise modified from time to time without prior notice to
you. It is your responsibility to check these Terms periodically for any such
changes, amendments, supplements or modifications.
1. Acceptance of these Terms
By visiting the Site, or viewing, accessing or
otherwise using any Content, you represent that you have read and fully
understand the contents and consequences of these Terms, and you irrevocably
agree and accept to be bound by these Terms. If you do not want to be bound by
these Terms, your only option is not to visit, view or otherwise use the Site
or any Content. You understand, agree and acknowledge that these Terms
constitute a legally binding agreement between you and JejakAsuransi and that
your use of the Site or any Content shall indicate your conclusive acceptance
of these Terms.
You shall be fully responsible for all access
to the Site (including any access by another person) using your internet
connection.
You represent and warrant that you are
permitted by all applicable laws and regulations to visit the Site, or view,
access or otherwise use any Content, and have the legal capacity and necessary
authorizations to enter into these Terms.
2. Provision of the Content
You agree and acknowledge that JejakAsuransi
is entitled to modify, improve or discontinue any of the Content at its sole
discretion and without prior notice to you even if it may result in temporary
interruptions or you being prevented from accessing any information contained
in it.
3. Intellectual Property Rights
The JejakAsuransi name and logo, are
trademarks of JejakAsuransi, and may not be copied, imitated or used, in whole
or in part, without the prior written permission of JejakAsuransi.
You acknowledge and agree that the Site and
the Content, including any features or tools made available in the Site, may
contain proprietary and confidential information including copyrights, trademarks,
service marks and patents protected by applicable intellectual property laws
and international intellectual property treaties. JejakAsuransi authorizes you
to view and make a single copy of reasonable portions of the Content for
offline, personal, non-commercial use, provided that such copy is properly
attributed to JejakAsuransi. No Content may be sold, reproduced, modified,
published distributed or otherwise exploited whether in hard copy, electronic
or any other form (including any derivative works in any form) or make any
Content available by any means, for commercial or public purposes without our
written permission. Any third-party trademarks, service marks and logos are the
property of their respective owners. Any further rights not specifically granted
herein are reserved.
Unless expressly stipulated otherwise, the
intellectual property right relating to any data and information collected,
extracted, compiled, synthesized, processed, analyzed or generated by JejakAsuransi
or the use of any services, features or tools available on the Site, are owned
by JejakAsuransi, and may not be sold, reproduced, modified, published
distributed or otherwise exploited whether in hard copy, electronic or any
other form (including any derivative works in any form) or make such data or
information available by any means, for commercial or public purposes without JejakAsuransi’s
prior consent in writing.
Unless expressly stipulated otherwise, nothing
in these Terms shall operate, or be construed, to assign or otherwise transfer
the intellectual property rights of JejakAsuransi or any third party to you.
4. Content of the Site
When you post, submit, transmit, upload or
otherwise make available any comment, content, information or data (“User Content”) to JejakAsuransi
or the Site, you simultaneously grant JejakAsuransi an irrevocable, worldwide,
royalty free license to use, publish, display, modify, translate, distribute
and syndicate the User Content worldwide. You confirm and warrant that you have
the required authority to grant the above license to JejakAsuransi.
By posting, submitting, transmitting,
uploading, storing or otherwise making available any User Content in the Site
or through the Site, you represent and warrant that you have all rights, titles
and interests to such User Content including any necessary authorization and
consent from any third party, and such User Content is not obtained by you in
any manner that against any laws, regulations, policies, agreements or
relationship to which you are subject, including by breaching any secrecy or
other similar confidentiality obligations.
If you subscribe to the Subscribed Services as
an agent, you represent and warrant that any information relating to your
clients does not belong to the financial institution(s) that you are associated
or affiliated with.
You agree that you shall be fully responsible
for any User Content, and indemnify and hold JejakAsuransi, its officers,
directors, commissioners, shareholders, predecessors, successors in interest,
employees, agents, subsidiaries and affiliates, harmless from any demands,
loss, liability, claims or expenses (including attorneys’ fees), made against JejakAsuransi
by any third party due to or arising out of or in connection with any User
Content submitted or uploaded by you.
You acknowledge that we may or may not
pre-screen or review any User Content or any content, information or data
submitted, transmitted, uploaded or otherwise made available by other user of
the Site, including all the Content provided by advertisers or any other third
party (“Other User Content”), but
that we shall have the right (but not the obligation) at our sole discretion to
pre-screen, refuse, or remove any User Content or Other User Content. If you
find any Other User Content offensive or in violation of your rights, please
contact us by sending an email to armedia2321@gmail.com.
You agree that it is your responsibility to
evaluate, and you shall bear all risks associated with, your use of any Other
User Content, including any reliance on the accuracy, completeness, or
usefulness of such Other User Content.
When posting, submitting, transmitting,
uploading, storing or otherwise making available any User Content, you shall
not:
a. use any
inappropriate or offensive language. Inappropriate or offensive language
includes, but is not limited to, anything sexually charged, abusive,
defamatory, vulgar, obscene, profane, and hateful or that contains racially,
ethnically or otherwise objectionable material of any kind;
b. harass or
personally attack others, including but not limited to unlawful, harmful,
threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful
and racially, ethnically or otherwise objectionable are not permitted or
anything else that could potentially lead to a conflict against an individual,
group, or an institution that has the potential to also cause an unfair
competition;
c.
encourage illegal conduct, violate the rights of others or otherwise violate
any applicable local, state, national or international law;
d. write in all
caps or bold, as it gives the impression that you are shouting and is
unpleasant for any other user or reader to read.
e. use any
content that is copyrighted or trademarked or protected with other applicable
intellectual property rights, unless you are the owner of that material or have
the appropriate license or authorization;
f.
copy and paste the full content of news stories, instead of linking out to a
news story, or quoting short passages with a reference; and
g. embed
any images of a sexual or offensive nature. If you are uncertain if an image is
acceptable or not, post only a link to the image with a warning that it goes to
a page that some may find it offensive. Any links to offensive or pornographic
materials will be removed immediately at our sole discretion.
5. Not a Financial Advice
Any advice or tips given in “Comment Page” and
the “Forum Page” of the Site are from other users, unless otherwise indicated.
The Site and any Content, Subscribed Services and other services made available
through the Site, including articles, information, advice, tools and features
that we provide, should be of general information to you in managing your
finances and cannot substitute a professional advice. It is not intended to
constitute an advice from a certified financial planner or other financial
professional or advisor unless JejakAsuransi submits an opinion by a certified
financial planner or other financial professional or advisor. Unless otherwise
indicated, we do not recommend buying, subscribing to or opening any particular
stocks, insurance products, term deposits, mutual funds or other financial
instruments or products based on advice from other users — nor do we support
recommending any stocks, mutual funds or other financial instruments or
products yourself. Any direct or indirect communication between you and JejakAsuransi
do not form professional-client relationship. We strongly encourage you to seek
an advice from a certified financial planner or other financial professional or
advisor should you have any query related to your financial status.
6. External Content and Advertisement
The Site may include hyperlinks to third-party
content, features, tools, advertisement or websites. You acknowledge that we
have no control over the nature, content and availability of those third-party
content, features, tools, advertisement or websites. JejakAsuransi does not
undertake to verify the truth, accuracy, reasonability, reliability, and
completeness of any content of hyperlinks to third party websites,
advertisement content or proficiency level. The inclusion of any hyperlinks and
third-party content, features, tools or advertisement does not necessarily
imply a recommendation or endorse the views expressed within them. You irrevocably
acknowledge and agree that JejakAsuransi shall not be responsible for any
advertising, products or resource available from such resources or websites.
Any questions, concerns or complaints relating to the content, features, tools,
advertisements, services or products available from such resources or website
should be directed to the relevant third party.
7. Transaction with Advertiser, Other User or Third
Party
You agree and acknowledge that we are not a
party to any transaction or agreement between you and any advertiser, third
party or other user of the Site. You acknowledge and agree that JejakAsuransi
does not responsible for any losses, damages or claims that may arise from such
agreement or transaction nor control over the quality, integrity, reliability,
accuracy, or performance ability of the parties contracting with you through
the Site.
8. Comment Page and Forum Page
Each of the “Comment Page” and the “Forum
Page” of the Site is intended to be a safe and friendly forum to discuss
personal finance topics and any other related topics with other people. You
hereby agree to abide by these Terms and respect other members of the community
at all times. We reserve the rights to ban you or other users who do not abide
by these rules from JejakAsuransi website. We may, at any time at our sole
discretion, remove any offensive comments that fail to abide by the spirit of
our community. If you would like to discuss why we’ve moved or removed your
comment, you are welcome to send an email to armedia2321@gmail.com.
9. Prohibited Use
You agree not to use, or attempt to use, the
Site or any Content for any purpose that is unlawful or prohibited by these
Terms or any applicable law, including but not limited to:
a. impersonating any
person or entity, falsely stating or otherwise misrepresenting your affiliation
with a person or entity;
b. removing any copyright,
trademark or other proprietary rights notice from the Site or any Content;
c. gaining
unauthorized access to any portion or feature of the Site or any Content,
including deleting or modifying any Content or taking any action that
negatively affects or causes inconvenience to other users;
d. interfering with or
disrupting the operation of the Site or servers or networks connected to the
Site, including posting, submitting, transmitting, uploading or otherwise
making available any material that contains software viruses, worms or any
other computer code, files or programs designed to interrupt, destroy or limit
the functionality of any computer software or hardware or telecommunications
equipment;
e. creating a mirror
of the Site or part of the Site, or systematically downloading and storing any
Content; and
f. compiling or
storing personal data about other users of the Site in connection with the
prohibited conduct and activities set out in these Terms.
10. Privacy Notice
In our Privacy Policy, we explain how we treat
your personal data and protect your privacy when you visit, access, view or use
the Site. Please read our Privacy Policy carefully. To view our Privacy Policy.
By visiting the Site, or viewing, accessing or
otherwise using any Content, you represent that you have read and fully
understand the contents and consequences of our Privacy Policy, and you
irrevocably agree and accept to be bound by the terms and conditions of our
Privacy Policy.
11. Notification
We may send receipts, invoices, notifications,
newsletters, promotions, alerts and other information through your mail.
12. Social Share Features
JejakAsuransi provides social sharing features
that enable you to share the Content of the Site. You understand that the
Content that you share through social sharing features is subject to the terms
and policies of those social sharing services.
13. Disclaimer of Warranties and Limitation of Liability
You understand and agree that the Site and any
Content are provided “as is” and “as available” and your use of the Site or any
Content is entirely at your own risk. JejakAsuransi does not make any express
or implied warranties, endorsements or representations whatsoever as to the
operation of the Site or any Content. This shall include, but not be limited
to, implied warranties of merchantability and suitability for a particular
purpose and non-infringement, and warranties that access to or use of the Site
or any Content will be uninterrupted or error-free or that defects in the Site
or any Content will be corrected.
You understand and agree that the Content is
for general informational purposes only. Nothing in this Site is to be
considered as rendering of financial advice or any other advice for any
specific matter. We make no representations or warranties of any kind, express
or implied, about the completeness, accuracy, reliability, suitability or
availability with respect to the Site or any Content for any purpose. Any
reliance you place on such information is therefore strictly at your own risk.
You accept and agree that we shall in no event
be liable to you for any losses or damages, including, but not be limited to
damages for loss of profits, business interruption, business reputation or
goodwill, loss of programs or information or other intangible loss arising out
of the accessing or reliance on information contained on the Site, the use of
or the inability to use the service, or information, or any permanent or
temporary cessation of such service or access to information, or the deletion
or corruption of any content or information, or the failure to store any
content or information. The above limitation shall apply whether or not JejakAsuransi
has been advised of or should have been aware of the possibility of such
damages. In jurisdictions where the exclusion or limitation of liability for
consequential or incidental damages is not allowed, the liability of JejakAsuransi
is limited to the greatest extent permitted by law.
14. Violation of These Terms
If we determine that you have violated these
Terms or other agreements or terms and conditions relating to your use of the
Site or any Content, you agree that we may, at our sole discretion and without
prior notice, terminate your access to the Site and/or block your future access
to the Site. We reserve all rights we may have to bring any legal action
against you for such violation.
15. Indemnification
You agree to indemnify and hold JejakAsuransi,
its officers, directors, commissioners, shareholders, predecessors, successors
in interest, employees, agents, subsidiaries and affiliates, harmless from any
demands, loss, liability, claims or expenses (including attorneys’ fees), made
against JejakAsuransi by any third party due to or arising out of or in
connection with (i) your use of the Site or any Content
16. Termination of Agreement
(a)
The Terms of this agreement will continue to apply in perpetuity until such
time the Site is suspended or terminated.
(b)
Notwithstanding the foregoing, Clauses 3-7, 10, 13-15 dan 16(b) shall survive
the termination of these Terms.
17. Changes to the Terms
JejakAsuransi reserves the right to change,
amend or otherwise modify these Terms from time to time at our sole discretion
and without any notice. Any changes, amendments or modifications to these Terms
become effective on the date they are posted, and your continued use of the Site
or the Content after such changes, amendments or modifications to the Terms
shall be deemed as and constitute your irrevocable acceptance and agreement to
such changes, amendments or modifications.
18. Entire Agreement
You understand and agree that these Terms
constitute the entire agreement between you and JejakAsuransi. Additional terms
and conditions may apply to purchases of goods or services and to specific
portion of the Site or specific Content, including contests, promotions or
other similar features, all of which terms are made a part of these Terms by
this reference. If there is a conflict between these Terms and the terms posted
for or applicable to a specific portion of the Site or Content, the latter
terms shall prevail with respect to your use of that portion of the Site or the
specific Content.
You may be subject to additional terms and
conditions when you use, purchase or access other services, affiliate services
or third-party content or material.
19. Severability
If any provision of these Terms or the
application thereof to any situation or circumstance shall be invalid or
unenforceable, the remainder of these Terms shall not be affected, and each
remaining provisions shall be valid and enforceable to the fullest
extent.
20. Language
These Terms are made in English language.
21. Governing Law and Jurisdiction
These Terms shall be governed by and construed
in accordance with the laws of the Republic of Indonesia. You expressly
understand and agree to submit to the non-exclusive jurisdiction of the
District Courts of Central Jakarta to resolve any legal matter arising from
these Terms or related to your use of the Site or the Content. Your submission
to such jurisdiction shall not (and shall not be construed so as to) limit JejakAsuransi’s
right to commence any legal action or proceeding arising out of or in
connection with these Terms or related to your use of the Site or the Content
before or with any other district courts or other courts in Indonesia, either
simultaneously or separately, as permitted by applicable law and as JejakAsuransi
shall determine at its own discretion.
Last Edit : October 20, 2019
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