Privacy Policy

1. Introduction

Merdeka Finansial ("we", "us", or "our") provides predictive analytics and portfolio protection tools designed for remote investors and location-independent professionals. We are committed to protecting the privacy of visitors and users of our website and related services (collectively, the "Services"). By accessing or using the Services, you agree to the terms described in this Privacy Policy.

2. Information We Collect

We may collect the following categories of information when you interact with our Services:

• Contact information you voluntarily provide, such as your name, email address, and phone number, for example when submitting a form to access our insights.
• Account and usage data, including preferences, settings, and interactions with dashboards or features within the Services.
• Technical data, such as IP address, browser type, device information, and pages visited, typically collected automatically through standard web logging and analytics tools.
• Communications you send to us, including support inquiries and feedback.

3. How We Use Information

We use the information we collect to:

• Provide, operate, and maintain the Services, including delivering predictive insights and account features.
• Respond to inquiries, support requests, and communications you initiate.
• Improve, personalize, and develop new features based on aggregated usage patterns.
• Send administrative or informational messages related to your use of the Services.
• Detect, prevent, and address technical issues, fraud, or misuse of the Services.
• Comply with applicable legal obligations.

4. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to recognize your browser, remember preferences, and understand how visitors interact with our pages. You can typically adjust your browser settings to refuse cookies or alert you when cookies are being sent, though some features of the Services may not function properly without them.

5. How We Share Information

We do not sell personal information. We may share information in the following circumstances:

• With service providers who perform functions on our behalf, such as hosting, analytics, or communication tools, subject to appropriate confidentiality obligations.
• To comply with applicable laws, regulations, legal processes, or governmental requests.
• To protect the rights, property, or safety of Merdeka Finansial, our users, or others.
• In connection with a merger, acquisition, financing, or sale of assets, subject to standard confidentiality arrangements.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we take reasonable steps to delete or anonymize it.

7. Data Security

We implement reasonable technical and organizational measures designed to protect information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Your Rights and Choices

Depending on your location, you may have rights regarding your personal information, which can include the ability to access, correct, delete, or restrict the use of your data, or to object to certain processing activities. To exercise any applicable rights, please contact us using the details provided on our website. We will respond to verified requests in accordance with applicable law.

9. Third-Party Links

Our website may contain links to third-party websites or services that are not operated by us. This Privacy Policy does not apply to those third parties, and we encourage you to review their respective privacy policies before providing any information.

10. Children's Privacy

Our Services are not directed to individuals under the age of majority in their jurisdiction, and we do not knowingly collect personal information from children. If we become aware that we have inadvertently collected such information, we will take steps to delete it.

11. International Data Transfers

As we operate across Indonesia and Southeast Asia, information we collect may be transferred to, stored, and processed in locations other than where you reside. Where required, we will take reasonable steps to ensure that such transfers comply with applicable data protection requirements.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We encourage you to review this page periodically. Continued use of the Services after any changes constitutes acceptance of the revised policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please reach out through the contact information provided on our website.

This Privacy Policy is a general template provided for informational purposes and does not constitute legal advice. Merdeka Finansial recommends consulting a qualified professional to ensure this policy accurately reflects your data practices and complies with applicable laws in your jurisdiction.