Terms of Service 

These Terms of Service ("Terms") govern your use of the CREDIT SOLUTIONS INDONESIA website (the "Site") and the debt collection services we offer ("Services"). By using the Site or our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Site or our Services. 

We are committed to clear and accessible communication. We have written these Terms of Service in plain language to ensure you understand your rights and responsibilities when using our Services. 
 

Commitment to Fair Practices 

• We are committed to collecting debts in a fair, ethical, and respectful manner that complies with all applicable laws and regulations. 
   

• Focus on Respectful Communication:  
  We will avoid harassing phone calls, unreasonable collection attempts, or threats of legal action unless absolutely necessary and as a last resort. Our communications will be professional and respectful of your situation. 
   

• Transparency in Debt Validation:  
  We will promptly provide you with verification of the debt upon request. This verification will include the original creditor, the amount of the debt, and the basis for the claim. 
   

• Consumer Rights Acknowledgement:  
  We recognize and respect your rights as a consumer. We will not engage in deceptive or misleading practices, and we will clearly explain your rights regarding communication, dispute resolution, and accessing your information. 
   

• Continuous Improvement:  
  We are committed to ongoing improvements in our practices to ensure we remain a leader in ethical debt collection. 
   

Use of Services 

• We provide debt collection services to consumers on behalf of our lender/creditor partners.  
   

• To use our Services, you may be required to provide certain information about yourself and the debt you owe.  
   

• You represent and warrant that all information you provide is true, accurate, and complete.  
   

• We may refuse to provide Services to you at our sole discretion. 
   

• User Interface: We strive to provide a user-friendly and intuitive website and online tools to manage your debt collection case. We are committed to ongoing improvements to simplify the digital journey for our customers. 
   

Information Collection and Use 

• We collect information from you directly and from our lender/creditor partners. 
   

• The information we collect may include:  

  • Contact information (name, address, phone number, email address)  

  • Financial information (account number, original balance, current balance, delinquency status)   

  • Personal identifying information (limited to what's necessary for collection)  

  • Credit information (credit score, payment history, if applicable)  
     

• We will only use your information for legitimate debt collection purposes, such as:  

  • Verifying your identity and contact information  

  • Communicating with you about your debt and payment options  

  •  Investigating disputes  

  • Reporting to credit bureaus (if necessary)  

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• We will strive to minimize the amount of information we collect and retain.  
   

• Payment Processing: We may utilize secure third-party payment gateways to process your debt payments. These payment gateways will collect your payment information (such as credit card number or bank account information) in a secure manner. We do not store your full payment information on our servers. 
   

•  Secure Online Access: We offer secure online access to your debt collection case details. This allows you to view account information, make payments, and communicate with us conveniently at your own pace. 

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Multi-Channel Communication: 

• We may communicate with you through various digital channels, such as email, text message, and voice message, to collect your debt.  
   

• We will communicate with you in a professional and respectful manner.  
   

• We will limit the frequency of our communications with you to a reasonable level and in accordance with applicable laws and regulations.  
   

• You can opt-out of receiving non-essential communications from us by following the instructions included in each communication. 
   

• We may communicate with you through various digital channels, such as email, text message, voice message, and secure online portals, to collect your debt and provide customer service. 
   

• We will clearly identify ourselves in all communications. 
   

• You can choose your preferred communication channels and opt-out of non-essential communications by following the instructions included in each communication or by contacting us directly. 
   

• We understand that debt collection can be a stressful experience. We will communicate with you in a respectful and professional manner, avoiding harassing tactics or unreasonable communication frequency. 
   

• We are committed to working collaboratively with you to find a resolution that considers your financial situation. 

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Consumer Rights

• You have the right to access and correct any inaccuracies in your personal information.  
   

• You have the right to request deletion of your information, subject to certain exceptions.  
   

• We will clearly explain your rights regarding your information in our Privacy Policy. 
   

• We provide clear and easy-to-understand explanations of your rights regarding your information and debt collection process through our website and online tools. 
   

• We offer multiple channels for you to exercise your rights, including a dedicated online portal, email, and phone support. ​

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Dispute Resolution

• We understand that mistakes can happen. If you believe there is an error with your debt, we encourage you to file a dispute with us promptly. We are committed to investigating all disputes fairly and resolving them in a timely manner 
   

• Multiple Channels for Dispute Filing: 

  You can file a dispute with us by following one of these methods: 
   

  • Online Dispute Form: We will offer a convenient online dispute form that allows you to submit your dispute details and any supporting documentation electronically. 

  • Email: You can submit your dispute by email to cs@credit-csi.com.  Please include your name, account number, and a clear description of the error you believe has occurred. 

  • Phone: You can contact our Dispute Resolution Department at +62 21 2986 7638 to discuss your concerns. 

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• Information Required for Dispute Resolution: 

  To expedite the dispute resolution process, please include the following information in your dispute: 

  • Your full name and contact information 

  • Your account number 

  • A clear description of the error you believe has occurred 

  • Any supporting documentation (copies of statements, receipts, etc.) 

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• Timeframe for Investigation and Resolution: 

  We will investigate your dispute thoroughly within a reasonable time (not to exceed 30 business days of receipt). We will contact you to discuss the investigation findings and proposed resolution within 60 business days of completing the investigation. 
   

• External Dispute Resolution Options: 

  In addition to our internal dispute resolution process, you also have the right to file a complaint with a third-party dispute resolution organization or regulatory agency. We will provide you with contact information for relevant organizations upon request. 

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Data Security 

• We take the security of your personal information seriously and are committed to protecting it from unauthorized access, disclosure, alteration, or destruction. 
   

• We implement industry-standard security measures to safeguard your information. These measures may include: 

  • Encryption: We utilize encryption technologies to protect your data both in transit and at rest. 

  • Access Controls: We restrict access to your information to authorized personnel only. 

  • Regular Security Reviews: We conduct regular security reviews to identify and address any potential vulnerabilities in our systems. 

  • Data Minimization:  

    We strive to collect and retain only the minimum amount of information necessary to effectively manage your debt collection case. 

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Disclaimer

• We do not guarantee the success of our debt collection services.  
   

• You are responsible for complying with all applicable laws and regulations regarding your debt. 

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Termination​

• We may terminate your access to the Site or Services at any time, with or without cause.  

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Governing Law

• These Terms shall be governed by and construed in accordance with the laws of  Indonesia. 
   

• Third-Party Payment Services: We are not responsible for the security or privacy practices of any third-party payment gateway services you choose to utilize. We encourage you to review the privacy policies and terms of service of any third-party payment gateway before using their services. 

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Change to Terms of Service

• We may update these Terms from time to time. We will post the updated Terms on the Site.  
   

• We are committed to empowering consumers and improving financial well-being. In the future, we plan to offer resources and tools to help you manage your finances effectively. These resources may include: 
   

  • Financial Literacy Resources:  

    Educational materials and tools to help you understand debt management, budgeting, and credit building. 
     

  • Credit Counseling Services:  

    Information on accessing credit counseling services that can provide personalized guidance and support. 
     

• Transparency Regarding Development:  

  We are currently developing these resources and will make them available on our website as soon as they are ready. 

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Contact Us 

• We are here to help! If you have any questions or concerns about our Terms of Service or debt collection process, please do not hesitate to contact us at cs@credit-csi.com. We are committed to providing prompt and helpful responses.