Disclaimer:

1. Lending through a Financial Technology Peer-to-Peer Lending Platform is a civil agreement and decision between the lender and the borrower. Therefore, all risks associated with the loan are fully borne by both parties.
2. Credit Risk or Default Payment is borne by Lenders. There is no institution nor government authority is responsible for such risks.
3. The Platform with user consent (Lender and / or Borrower) has access, obtain, archive, manage and / or use the User's personal data ('Data Utilization') on or inside objects, electronic devices (including smartphones or phones cellular, hardware, software, electronic documents, apps software or electronic systems own and controlled by User, with the purpose of notification, limitations and mechanisms of the use of such Data to the User concerned before obtaining such consent.)
4. Lenders who does not have knowledge or experience in Peer to Peer Lending is advised not use this services.
5. Borrower must consider loan interest rate and other fees according its capacity in serving the loan.
6. Any fraudulent activity are recorded digitally and can be known to the public through social media.
7. It is required for users to carefully read and fully comprehend the information above before deciding to become a lender or a borrower.
8. The Government in this case are the Financial Services Authority (OJK), shall not be responsible for any breach or non-compliance by the User, either the Lender or the Borrower (either due to User deliberate or negligence) to the provisions of the laws and regulations or agreements between the Operator and the Lender and / or Borrower.
9. Every transaction and peer to peer lending activity or execution of lending agreements between or involving the Operator, Lender and / or Borrower shall be made through escrow accounts and virtual accounts as required under the Regulation of the Financial Services Authority Number 10/POJK.05/2022 about The Information Technology Lending and Borrowing Service and any breach or non-compliance with such provision constitute evidence of a violation of law by the Operator so that the Operator shall bear the indemnity suffered by each User as a direct result of the violation of the above law without prejudice to the User suffered losses according to the Civil Code.
10. PT Mediator Komunitas Indonesia is a legal entity established under the Law of the Republic of Indonesia. Standing as a company that has been regulated by and under the supervision of the Financial Services Authority (OJK) in Indonesia, the company provides intermediary services between parties that provide loans and parties that need loans, including funding from individuals, organizations and legal entities to certain individuals or legal entities. The company does not provide any form of advice or funding recommendations regarding the loans in this website.
11. The contents and materials available on the CROWDO website are intended to be of informative nature only and they are not considered to be an offer, a request, an invitation, a suggestion, or a recommendation to lend in securities, capital market products, or other financial services. The service provided by the company are limited to administrative services.
12. Funds placed in a CROWDO account are not and will not be considered as a deposit held by the company as stipulated in the Legislation concerning Banking in Indonesia. The company or any Director, Employee, Employee, Representative, Affiliate, or Agent does not have any responsibility related to any problems that occur or are considered to occur due to the completeness or correctness of the material listed on the Company’s website.