PT Jamkrida Bali Mandara (Perseroda)

Privacy & Policy

Home » Suretyship Online Privacy & Policy
Jamkrida Bali Suretyship Online (JSO)

Privacy & Policy

This privacy policy is a policy issued by Jamkrida Bali Suretyship Online (as defined hereinafter) which regulates the Jamkrida Bali Suretyship method Online collects, processes, uses and discloses User data and information (as defined hereinafter) in the Application (as defined hereafter). Jamkrida Bali Suretyship Online is committed to protecting User privacy. Jamkrida Bali Suretyship Online is responsible for upholding the principles of data management with full integrity, which Jamkrida Bali Suretyship Online always makes the security of User data the main priority of Jamkrida Bali Suretyship Online . For this reason, the security of User data (as well as other data that Users entrust to Jamkrida Bali Suretyship Online) is the most important thing for Jamkrida Bali Suretyship Online.

Suretyship Online's policies and procedures regarding the collection, use and disclosure of your information when you use Jamkrida Bali Suretyship Online Services and tells you about your privacy rights and how the law protects you.

We use your Personal data to provide and improve the Services. We require you to read the entire contents of the Agreement and if you have any questions regarding the Agreement, you can contact us via By using the Jamkrida Bali Suretyship Online Service, you agree to the collection and use of information in accordance with this Privacy Policy.

This Privacy Policy applies to the Application (as defined hereinafter). Access to the Services available through the Application depends on the User's agreement to this Privacy Policy which should be read together with the Terms and Conditions. The User's agreement to this Privacy Policy, together with the Terms and Conditions, forms an agreement between Jamkrida Bali Suretyship Online and the User regarding the User's use of the Application.


1. Interpretation and Definition

  1. Interpretation

    Words whose initial letter is capitalized have meanings determined under the following conditions. The following definitions have the same meaning regardless of whether they are singular or plural.

  2. Definition

    For the purposes of this Privacy Policy:

    (1) “Account” means a unique account created to enable you to access our Services or parts of our Services.

    (2) “Affiliate” means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interests, or other securities entitled to vote for election of directors or other managing authorities.

    (3) “Agreement” means this Privacy Policy, Terms and Conditions, and any other rules or policies available on the Application, including all terms and conditions, as well as any additional or modified policies relating to the Application or any services currently available or that may be offered by Jamkrida Bali Suretyship Online in the future. This agreement is made in accordance with the provisions of Law no. 11 of 2008 concerning Information and Electronic Transactions as amended by Law no. 19 of 2016 concerning Amendments to Law Number 11 of 2008 concerning Information and Electronic Transactions, and all implementing regulations and amendments thereto. This agreement is electronic proof of record generated by a computer system and does not require a physical or digital signature.

    (4) “Applicable Law” means any legislation, law, statute book, law (including common law and justice), regulations, rules, ordinances, orders, decrees, rulings, rulings, judgments or decisions of any government agency.

    (5) Jamkrida Bali Suretyship Online software program which is available on the website as well as which is available on mobile devices Apps Store and Play Store which has been officially developed by PT Jamkrida Bali Mandara ( Perseroda ) on the Android and iOS platforms to support the Service ecosystem.

    (6) "Content" means any and/or all information created and/or compiled and/or developed and/or managed by Users, including but not limited to text or writing, images, quotes or quotations, photos, illustrations, animations, videos , sound or music recordings, titles, descriptions and/or any data in any form provided and/or uploaded by Users into the Application, including any links connecting thereto. To avoid doubt, Content also includes any and/or all information, data, actual news, writings, images, quotes, photos, illustrations, animations, videos, sound recordings, obtained by Users from third parties, where Users have the authority to use and distribute such content.

    (7) “Company” (referred to as “the Company”, “We” or “Our” in this Agreement) refers to PT Jamkrida Bali Mandara ( Perseroda ), JL Surapati No. 8 Denpasar - Bali 80232.

    (8) “Cookies” are small files placed on your computer, mobile device or any other device by a website, which contain details of your browsing history on that website among its many uses.

    (9) “Geo- location ” means a system of identifying the real-world geographic location of an object, such as a radar source, cell phone or computer terminal connected to the internet used to access the Application.

    (10) “Country” refers to: Indonesia

    (11) “Device” means any device that can access the Jamkrida Bali Suretyship Online Service such as a computer, mobile phone or digital tablet.

    (12) “Personal Data” is any information relating to an identified or identifiable individual that is collected through the Application, such as name, address, date of birth and employment, telephone number, e-mail address, permissions and/or the like , and other information that may identify you as an Application User.

    (13) “Services” means various products and/or services offered through the Jamkrida Bali Suretyship Online Application or the Jamkrida Bali Suretyship Online Website or both.

    (14) "Terms and Conditions" means the terms of use or standard use procedures or other provisions in connection with the Application developed by Jamkrida Bali Suretyship Online.

    (15) “Service Provider” means any natural person or legal entity that processes data on behalf of the Company. This refers to third party companies or individuals employed by the Company to facilitate the Services, to provide the Jamkrida Bali Suretyship Online Services on behalf of the Company, to perform services related to the Jamkrida Bali Suretyship Online Services or to assist the Company in analyzing how the Jamkrida Bali Suretyship Online Services are used.

    (16) “Usage Data” refers to data collected automatically, whether generated by use of the Jamkrida Bali Suretyship Online Service or from the Service infrastructure itself (for example, the duration of page visits).

    (17) “ Website ” refers to Jamkrida Bali Suretyship Online, accessible from

    (18) "You" or "User" is an individual or party registered as a customer of the Jamkrida Bali Suretyship Online Application for accessing or using the Service, or the company or other legal entity on whose behalf the individual accesses or uses the Service, as applicable.

2. Collection and Use of Personal Data

  1. Personal data

    Jamkrida Bali Suretyship Online collects certain Personal Information from Users so that the Application can carry out its functions either for use of the Service or other functions needed to support the Service ecosystem. Personally identifiable information may include, but is not limited to:

    (1) First name and last name;

    (2) Personal identity;

    (3) Phone number;

    (4) Address, State, Province, ZIP Code/Postal Code, City;

    (5) Or collected automatically when Users use the Application, in accordance with the Terms and Conditions.

    Users can provide Personal Information or collect it automatically when Users use the Application, in accordance with the Terms and Conditions.

  2. Usage Data

    Usage Data is collected automatically when using the Services.

    Usage Data may include information such as the User's Device Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that the User visits, the time and date of the User's visit, the time spent on those pages, unique device identifiers and other diagnostic data .

    When you access the Services with or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device's unique ID, your mobile device's IP address, your mobile phone number, system operation, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

    We may also collect information that your browser sends whenever you visit our Services or when you access the Services with or through a mobile device.

  3. Information Collected While Using the Application

    (1) When using Our Application, to provide Our Application features, We may collect, with Your prior permission:

    (2) Information about your location

    (3) Information from your Device's phonebook (contact list)

    (4) Images and other information from your Device's camera and photo library

    (5) Jamkrida Bali Suretyship Online uses aggregate Personal Information to analyze Application usage patterns. You hereby agree that your data will be used by Jamkrida Bali Suretyship Online's internal data processing system to ensure the best functionality in the Application is provided for you.

    (6) Jamkrida Bali Suretyship Online strongly recommends that you retain all Content and Personal Information that you enter into the Service. Jamkrida Bali Suretyship Online complies with the best policies and procedures to prevent data loss, including daily system routines for data back-up , but does not provide any guarantee that there will never be any loss of Content and Personal Information. Jamkrida Bali Suretyship Online expressly excludes responsibility for any loss of such Content and Personal Information due to any cause whatsoever .

    (7) Any Content that you enter into the Application can be used by Jamkrida Bali Suretyship Online, including but not limited to:

    a. Process your data, including but not limited to financial reports, tax filings, sales or purchase invoices, business reports, and others;

    b. Deliver letters and goods you purchased from Jamkrida Bali Suretyship Online;

    c. Inform you of Application development, sales and maintenance offers or any disruptions you may encounter;

    d. Carry out payment processes;

    e. Find out information about your visit, such as the time of the visit and what you did during the visit; And

    f. Any other purposes stated in the Terms and Conditions.

    (8) Jamkrida Bali Suretyship Online may also collect and use your non-personally identifiable data, to:

    a. Optimize Apps, marketing campaigns, product offerings and more;

    b. Assist in strategy development, data collection and business analysis;

    c. Helping Jamkrida Bali Suretyship Online to find out how you use the Application;

    d. See the effectiveness of the Application;

    e. Find and resolve problems in the Application;

    f. Developing products and features on applications; And

    g. Improve your experience with respect to the Application.

    (9) Jamkrida Bali Suretyship Online may disclose Content and Personal Information about you to any Affiliate. Any information relating to you that we provide to Affiliate will be treated by Affiliate in accordance with the terms of this Privacy Policy.

     We use this information to provide features of Our Services, to improve and customize Our Services. Such information may be uploaded to the Company's servers and/or the Service Provider's servers or may simply be stored on your device.

    You can enable or disable access to this information at any time, through your Device settings.

  4. Technology Tracking and Cookies

    We use Cookies and similar tracking technologies to track activity on Our Services and store certain information. The tracking technologies used are beacons , tags , and scripts to collect and track information and to improve and analyze Our Services. The technology we use may include:

    (1) Cookies or Browser Cookies . Cookies are small files placed on your Device. You can instruct your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if you do not accept Cookies , you may not be able to use some parts of our Services. Unless you have adjusted your browser setting so that it refuses Cookies , our Services may use Cookies .

    (2) Web Beacon. Certain parts of our Services and our emails may contain small electronic files known as web beacons (also referred to as clear gifs , tags pixels , and gifs single pixel ) that allows the Company, for example, to count users who have visited the page or opened an email and for other related website statistics (e.g. recording the popularity of certain sections and verifying the integrity of systems and servers).

    Cookies can be either “ Persistent ” or “Session” Cookies . Cookies Persistent cookies remain on your personal computer or mobile device when you go offline , whereas Session Cookies are deleted as soon as you close your web browser. Learn more about cookies in the Free Privacy Policy website article.

3. Use of Personal Data

The Company may use Personal Data for the following purposes:

  1. To provide and maintain our Services, including monitoring use of our Services.

  2. To manage your Account: to manage your registration as a user of the Services. The Personal Data you provide may provide you with access to various functions of the Service that are available to you as a registered user.

  3. For contract performance: development, compliance and execution of purchase contracts for products, goods or services that you have purchased or other contracts with Us through the Services.

  4. To contact you: To contact you via email, telephone call, SMS or other equivalent forms of electronic communication, such as mobile application push notifications regarding updates or informative communications regarding contracted functions, products or services, including security updates, if necessary or reasonable for its application.

  5. To provide you with news, special offers and general information about other goods, services and events we offer that are similar to those you have purchased or inquired about unless you choose not to receive such information.

  6. To manage your requests: To attend to and manage your requests to Us.

  7. For business transfers: We may use your information to evaluate or undertake a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, either as a going concern or as part of bankruptcy, liquidation, or similar proceedings , where the Personal Data We store about users of our Services is among the transferred assets.

  8. For other purposes : We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve the Services, products, services, marketing and your experience.

  9. We may share your personal information in the following situations:

  10. With Service Providers: We may share your personal information with Service Providers to monitor and analyze your use of our Services, to contact you.

  11. For business transfers: We may share or transfer your personal information in connection with, or during negotiations of, a merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.

  12. With Affiliates: We may share your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and other subsidiaries, joint venture partners, or other companies that We control or are under common control with Us.

  13. With business partners: We may share your information with our business partners to offer you certain products, services or promotions.

  14. With other users: when you share personal information or interact in public areas with other users, that information may be viewed by all users and may be publicly distributed outside. If you interact with other users or register through a Third Party Social Media Service, your contacts on the Third Party Social Media Service may see your name, profile, picture and description of your activity. Likewise, other users will be able to see descriptions of your activity, communicate with you, and view your profile.

  15. With your consent : We may disclose your personal information for any other purpose with your consent.

4. Storage of Personal Data

The Company will retain your Personal Data only as long as necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable law), resolve disputes, and enforce our legal agreements and policies.

 The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for shorter periods of time, unless this data is used to strengthen security or to improve the functionality of Our Services, or We are legally required to retain this data for longer periods.

 5. Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operational offices and other places where the parties involved in the processing are located. This means that this information may be transferred to and stored on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than the laws of your jurisdiction.

6. Delete Personal Data

You have the right to delete or ask us to help delete the personal data we have collected about you. Our Services may provide you with the ability to delete certain information about you from within the Services.

You can update, change, or delete your information at any time by logging into your Account, if you have one, and visiting the account settings section that allows you to manage your personal information. You can also contact us to request access, correct or delete any personal information you have provided to us.

However, please note that we may need to retain certain information when we have a legal obligation or legal basis to do so.

7. Disclosure of Personal Data

  1. Transaction business

    If the Company is involved in a merger, acquisition, or sale of assets, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

  2. Enforcement law

    Under certain circumstances, the Company may be required to disclose your Personal Data if required to do so by law or in response to lawful requests from public authorities (e.g. courts or government agencies).

  3. Condition law other

    The Company may disclose your Personal Data in the good faith belief that such action is necessary to:

    (1) Comply with legal obligations

    (2) Protect and defend the Company's rights or property

    (3) Prevent or investigate possible errors in connection with the Services

    (4) Protecting the personal safety of Service Users or the public

    (5) Protects from legal liability

 8. Protection and Confidentiality Information

The security of your Personal Data is important to Us, but please remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. Although We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

  1. Jamkrida Bali Suretyship Online implements various security measures to maintain the security of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All sensitive/credential information provided is transmitted via Secure technology Socket Layer (SSL) and then encrypted into our payment gateway provider's database to be accessed only by those authorized with special access rights to such systems, and required to maintain the confidentiality of such information. Once a transaction occurs, your related Personal Information (credit card, social security number, financials, etc. ) is never stored Online. We cannot, however, ensure or warrant the absolute security of any information you transmit to us or guarantee that your information on the Service may not be accessed, disclosed, altered, or destroyed by breaches of our physical, technical, or managerial security.

  2. Except as otherwise regulated in this Privacy Policy, Jamkrida Bali Suretyship Online will maintain the confidentiality of Personal Information. Jamkrida Bali Suretyship Online will not share it with third parties, except Jamkrida Bali Suretyship Online believes in good faith that disclosure of your Personal Information or any other information that Jamkrida Bali Suretyship Online collects about you is necessary for Permitted Use or to:

    (1) Comply with court decisions or other legal processes;

    (2) Protect the rights, property or safety of Jamkrida Bali Suretyship Online;

    (3) Enforcing the Agreement, including Terms and Conditions;

    (4) Respond to claims that posts or other content violates the rights of third parties; or

    (5) Permitted Uses under this Privacy Policy.

    Your consent to this Privacy Policy followed by your submission of such information represents your agreement to such transfer.

    The Company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or country unless there are adequate controls in place including security. Your data and other personal information.

9. Children's Privacy

Our Services are not directed to anyone under 13 years of age. We do not knowingly collect personally identifiable information from anyone under 13 years of age. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please Contact us. If We become aware that We have collected Personal Data from anyone under 13 years of age without verification of parental consent, We take steps to delete such information from Our servers.

If We need to rely on consent as a legal basis for processing your information and your country requires parental consent, We may require your parental consent before We collect and use that information.

10. Data Retention

  1. Content and Personal Information is retained by Jamkrida Bali Suretyship Online only as long as We need it to provide the Services or as long as such retention is required or ordered by Applicable Law. This also applies to anyone with whom We have shared Content and Personal Information and provided Services on Our behalf.

  2. When we no longer need to use Content and Personal Information as it can be reasonably assumed that the purpose for which the Content and Personal Information was collected no longer requires retention and retention is no longer necessary for legal or business purposes, We will stop storing the Content and Personal Information or depersonalize it so that the data -the data cannot be associated with you as an individual.


11. Data Security

  1. Jamkrida Bali Suretyship Online takes precautions to increase the security of Content and Personal Information by using the latest technology and complying with Applicable Laws to meet the expectations of relevant parties, and to ensure continuous quality improvement. We have physical, electronic, and managerial procedures to help safeguard, prevent unauthorized access, maintain data security, and use your information correctly. However, neither people nor security systems are free from errors, including encryption systems. Additionally, people can commit intentional crimes, make mistakes or fail to follow policies. Therefore, although We use reasonable efforts to protect Your Content and Personal Information, We cannot guarantee its absolute security. If Applicable Laws impose an undeniable obligation to protect your Content and Personal Information, you agree that willful misconduct will be the standard by which we measure our compliance with such obligation.

  2. If Jamkrida Bali Suretyship Online becomes aware that Content and Personal Information has been disclosed in a manner that is inconsistent with this Privacy Policy, Jamkrida Bali Suretyship Online will make reasonable efforts to notify you of the nature and limitations of such disclosure (to the extent We are aware of such information) as soon as possible and as permitted by law.

12. Changes and Updates to Information

Your right to request updates or corrections to the Content and Personal Information we collect depends on your relationship with Us and Applicable Law. Users have the right to contact us to :

  1. Update or correct your personally identifiable information,

  2. Change your preferences regarding communications and other information you receive from us, or

  3. Delete personally identifiable information stored about you in our systems, by canceling your account.

Such updates, corrections, changes and deletions will have no effect on other information that We store, or information that We have provided to third parties in accordance with this Privacy Policy prior to such updates, corrections, changes or deletions. To protect your privacy and security, We may take reasonable steps (such as requesting a unique password) to verify your identity before granting you profile access or making corrections. You are responsible for maintaining the confidentiality of your unique password and account information at all times. You must be aware that it is technologically impossible to delete every record of information that you provide to Lami from our system. The need to perform backups of Our systems to protect information from accidental loss means that copies of Your information may exist in an indelible form that will be difficult or impossible for Us to locate. Immediately upon receipt of your request, all Personal Information stored in databases that We actively use, and other easily searchable media will be updated, corrected, changed, or deleted, as appropriate, as quickly and as far as is reasonably and technically practicable. If you are an end user and wish to update, delete or receive any information we have about you, you may do so by contacting the institution of which you are a customer.

13. Limitation of Liability

  1. The limitations of liability in the Terms and Conditions also apply to this Privacy Policy.

  2. You acknowledge and agree that We will not be responsible for any Third Party Services, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or other aspects. Jamkrida Bali Suretyship Online does not assume and will not have any liability or responsibility to you or any other person or entity for any Third Party Services.

  3. Third Party Services and links thereto are provided solely as a convenience to you and you access and use them entirely at your own risk and subject to such third party's terms and conditions.

  4. In the event that you integrate Third Party Services, your information, including but not limited to banking information and credentials, information and credentials for e- wallets , e- commerce information and credentials or other data will not be collected and stored by Jamkrida Bali Suretyship Online. All of your information and credentials are only used when initially logging in to the Application and will not be stored by Jamkrida Bali Suretyship Online as a data processor. However, you may voluntarily choose to store such information and credentials on the Application.

  5. There are no warranties of any kind , implied, express or statutory, including but not limited to warranties of non-falsification of third party rights, title, merchantability , fitness for a particular purpose and freedom from computer viruses, provided in connection with content available through the Application or its links to other internet resources as may be available to you through the Application.

  6. References in the Application to any particular commercial product, process or service , or use of any trade, firm or corporation name are for public information and convenience, and do not constitute an endorsemen, recommendation or support by Jamkrida Bali Suretyship Online.


14. Link to Other Websites

This Privacy Policy applies only to the Services. The Service may contain links to other websites that are not operated or controlled by Jamkrida Bali Suretyship Online. Jamkrida Bali Suretyship Online is not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by Jamkrida Bali Suretyship Online . Please remember that when you use a link to go from the Application to another website, this Privacy Policy no longer applies. Your browsing and interaction on other websites, including those that have links in the Application, is subject to that website's own rules and policies. These third parties may use their own cookies or other methods to collect information about you.


15. Acknowledgment and Consent

  1. By agreeing to this Privacy Policy, you acknowledge that you have read and understand this Privacy Policy and that you accept all of its provisions. Specifically, you agree and consent to our actions in collecting, using, sharing, disclosing, storing, transferring or otherwise processing Personal Information in accordance with this Privacy Policy.

  2. In situations where you provide us with Personal Information relating to another individual (such as Personal Information relating to a partner, family member, friend or other party), you represent and warrant that you have obtained the consent of that individual, and hereby agree on behalf of the individual regarding the collection, use, disclosure and processing of his/her Personal Information by Us.

  3. You may withdraw your consent to any use or disclosure of your Personal Information at any time by providing reasonable notice in writing using the contact details set out below. Depending on the circumstances and nature of the consent you withdraw, you may no longer be able to use the Application or Services. A withdrawal of consent by you may result in the termination of your account or the contractual relationship between you and us, where all rights and obligations that have arisen remain intact. Upon receipt of your notice to withdraw consent to any collection, use or disclosure of your Personal Information, We will inform you of the possible consequences associated with such withdrawal so that you can decide whether you intend to withdraw consent.


16. Changes to Privacy Policy

We may update Our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will notify you via email and/or a prominent notice on Our Services, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy .

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when posted on this page.


17. Contact us

If you have any questions about this Privacy Policy, you can contact us:

Via email :

By visiting this page on our website :

Via telephone number : 0361-224087

By letter : JL Surapati No 8 Denpasar - Bali 80232

PT Jamkrida Bali Mandara (P)

Merupakan Perusahaan Penjaminan terbesar di daerah Bali.

Hubungi Kami

  • Jl. Surapati No.8, Dangin Puri, Kec. Denpasar Tim., Kota Denpasar, Bali 80232
  • (0361)-224087, 221798

Terdaftar & diawasi

Official Website © 2023 PT Jamkrida Bali Mandara (Perseroda) | All rights reserved.