Privacy Policy

I. Commitment and Legal Basis

PT FION TEKNOLOGI INDONESIA ("Service Provider") is fully committed to protecting the confidentiality and security of your Personal Data as a User of Remittance or Fund Transfer Services.

This policy is prepared in accordance with the laws and regulations of the Republic of Indonesia, including but not limited to Law No. 27 of 2022 concerning Personal Data Protection (PDP Law) and regulations related to fund transfers issued by Bank Indonesia.

II. Personal Data We Collect

The Service Provider collects relevant and necessary Personal Data for the purpose of carrying out fund transfers and fulfilling regulatory compliance. This includes:

• Identity Data: Full name, National Identification Number (NIK/KTP), date of birth, nationality, and copies of identification documents (KTP/Passport/Driver’s License).
• Contact Data: Address, phone number, and email address (of both Sender and Recipient).
• Transaction Data: Information about transferred funds, purpose of transfer, source of funds, and recipient’s bank/financial institution details.
• Verification Data: Information collected for Know Your Customer (KYC) and Customer Due Diligence (CDD) procedures in accordance with Anti-Money Laundering and Counter-Terrorism Financing (APU-PPT) regulations.

III. Purpose of Data Collection and Use

We use your Personal Data exclusively for the following purposes:

• To process, verify, and execute your fund transfer instructions securely and accurately.
• To fulfill the Service Provider’s legal obligations as a Fund Transfer Operator, including:
  • Conducting identity verification (KYC/CDD).
  • Reporting transactions of certain values or suspicious transactions to authorities (Bank Indonesia and PPATK).
  • Complying with orders from law enforcement or supervisory authorities.
• To prevent, detect, and investigate criminal activities such as money laundering, terrorism financing, and fraud.
• To provide information regarding transaction status, terms and conditions, service updates, or responses to your inquiries.

IV. Disclosure (Transfer) of Personal Data

We may disclose your Personal Data to supervisory and law enforcement authorities (such as Bank Indonesia, PPATK, and the Police) when required by law or in compliance with APU-PPT obligations.

We may also share necessary data with banks, financial institutions, or payment partners (correspondent agents) involved in completing fund transfer processes, whether domestically or internationally.

If data disclosure involves cross-border data transfers, the Service Provider will ensure that the destination country maintains a level of data protection equal to or higher than Indonesia’s PDP Law, or we will implement contractual safeguards to ensure adequate data protection.

V. Data Security and Retention

We implement reasonable and appropriate physical, technical, and organizational security measures to protect your Personal Data from unauthorized access, disclosure, alteration, or destruction.

Personal Data will be retained for as long as necessary to fulfill the purposes stated in this Policy or for the duration required by Indonesian laws and regulations (for example, data retention obligations for APU-PPT compliance).

VI. Rights of Service Users

As the owner of Personal Data, you have rights guaranteed under the PDP Law, including:

• The right to obtain information regarding your Personal Data processed by the Service Provider.
• The right to request correction or updates to your Personal Data if inaccuracies are found.
• The right to withdraw your consent for Personal Data processing. However, such withdrawal does not apply to data that must be retained or processed under legal obligations (related to APU-PPT and Bank Indonesia compliance).

We reserve the right to refuse your request for correction, in whole or in part, of information or Personal Data that we process if permitted or required under applicable laws and regulations.

VII. Closing

By choosing to use the remittance (money transfer) services of PT FION Teknologi Indonesia and agreeing to this Privacy Policy, you acknowledge that you have fully read and understood this Privacy Policy and agree to all its terms and conditions.

Specifically, you agree and give consent to us, PT FION Teknologi Indonesia, to process your information, data, and Personal Data in accordance with the purposes and provisions set out in this Privacy Policy, for the secure and compliant execution of remittance services.

If you have questions regarding this Privacy Policy, or wish to submit complaints or requests related to your rights as a Service User, please contact us via:

Customer Service Center:
Complaint Email: support@fion.co.id
Head Office: Grand Slipi Tower, 42nd Floor, Units G-H, Jl. Letjen S. Parman Kav. 22-24, Palmerah, West Jakarta, DKI Jakarta, 11480
Website: fion.co.id

Our customer service team is available Monday–Friday, 09:00–17:00 WIB.