Privacy Policy Pinjam Bahagia

Privacy Policy Pinjam Bahagia

By using the Pinjam Bahagia service, you are relying on how we treat your information. We understand that this responsibility is important, and we work hard to protect your information and give you control.

This Privacy Policy is designed to help you understand what information we collect, why we collect it, and how you can update, manage, export and delete your own information.

Effective Date: December 10, 2022

We are committed to providing convenient, secure and efficient financial services to customers in Indonesia to meet their financial needs. Pinjam Bahagia services include:

There are several ways you can use the Pinjam Bahagia service to control your privacy. Such as changing your privacy settings on the Pinjam Bahagia mobile software.

This policy sets out the basis on which we process any personal data that we collect from you or that you provide to us.

Please read the following carefully to understand our views and practices regarding your personal data and how we will process it. By downloading the app, you confirm that you have read, understood and accepted the terms of this policy.

You also consent to the collection, use, storage, processing and disclosure of your personal information in the manner set out in this Policy.

I.Collection Information Pinjam Bahagia

We want you to know what kind of information we collect when you use the Pinjam Bahagia service.

We collect information to provide better services to all users, analysis of your credit risk, security risks of the usage environment, and fraud detection - we will infer the necessary basic content (such as your location) and others based on the information collected For complex content (such as personal information and operating characteristics of the device you send us). What information is collected by Pinjam Bahagia and how it is used depends on how you use the Pinjam Bahagia Service and how you manage your privacy controls.

If you are not logged into your Pinjam Bahagia account, we use a unique identifier associated with the browser, app, or device you are using (device manufacturers may also program a unique identifier into the device, sometimes called a Universal Unique ID or UUID, such as a phone's IMEI number) to store the information collected. This allows us to maintain your preferences between browsing sessions and perform other actions such as maintaining your preferred language or determining whether to show you more relevant search results or advertisements based on your activity.

If you log into your account, we also collect information stored under your Pinjam Bahagia account name (which we treat as personal information).

Content you create or provide to us

By filling out forms on the App or the App's website (collectively, our Sites); By communicating with us (for example, via email or chat); By registering to use the App's website, downloading or signing up to the App, subscribing to any services to us (such as applying for a loan), searching for apps or services, sharing data through the app's social media features, participating in promotions or surveys, and reporting on the app, our services, our app site, or one of our service sites. This information may include your name, address, email address and phone number, your device phone number, SIM card details, age, username, password, SMS records, contacts, list of installed apps and other registration information, financial and credit information (including your mobile money account details, bank account details and bank verification code where applicable), personal description and photos.

Information we collect when you use the Pinjam Bahagia service

Your app, browser and device information

We collect information about the applications, browsers and devices you use to access the Pinjam Bahagia service to provide useful features such as automatic product updates, dimming the screen when the battery is low; and security risks and fraud detection, such as when you log in from an unused device, further verification is required.

The information we collect includes unique identifiers, browser type and settings, device type and settings, operating system, mobile network information (including carrier name and phone number), and app version number. We also collect information about your application, browser, and device interactions with the Pinjam Bahagia service, including IP address, crash reports, system activity, and the date, time, and referrer URL of related requests.

When the Pinjam Bahagia service on your device communicates with our servers (https://www. (for example, when you install an app from the Play Store or App Store),we track your source of installation to provide personalized marketing services),we collect this information.If you install the Pinjam Bahagia application, your device periodically communicates with the Pinjam Bahagia server to provide information about your device and your connection to the Pinjam Bahagia service.This information includes your device type and operator name, crash reports, apps you have installed, and other information about how you use your Android device (depending on your device settings).

What you do with Cash

We will collect the information you submit in the Pinjam Bahagia service and use this information for credit risk analysis. The information we collect may include:

In your Pinjam Bahagia account, you can find and manage the submitted information stored under your account name.

Our Location Information

We can determine your location (with varying degrees of accuracy):

What type of location data we collect and how long we keep it depends in part on your device and account settings. For example, you can use your Android device's Settings app to enable or disable device location.

The core function of Pinjam Bahagia is to provide financial services to users. During your activity with our client, we use general location information (confirmed by your previous activity records) as one of the bases for account security detection.

In addition, we may conduct marketing activities that target users in specific areas. For example, offering discounts to customers during certain festivals in certain regions.

Based on the IP address you use to connect to the Internet
An IP address (also known as an "Internet address") is assigned to your device by your Internet service provider and is required to use the Internet.IP addresses are used to connect your device to the websites and services you use and are roughly based on geographic location.This means that every website you use, includinghttps://www., may obtain some information about the general area you are in.
Based on your previous activities
When you use our Services, we may infer that you are interested in a place even if your device does not tell us your exact location. For example, if you submit your residence in Cairo, we will assume it as your main activity area.
Fits your device
Many devices, such as phones or computers, can deduce the exact location. You can allow Pinjam Bahagia and other apps to provide you with useful features based on your device's location. On your Android device, if you choose to enable your device's location services, this gives Pinjam Bahagia access to your current location or retrieve your phone. You can also choose which apps have access to your device's location with simple controls that can be used to enable or disable permissions for individual apps. On Android, the Location icon appears at the top of the screen when an app requests to use the phone's GPS-based location.
Google Location Services (GLS)
Google, the web location provider on most Android devices, offers a service called Google Location Service (GLS), called Google Location Precision on Android 9 and higher.

Bank information or operator wallet information

In the process of applying for funds, you need to fill in and submit your bank information or carrier wallet information.

In order to complete the process of transferring funds to you, we need to obtain your name, bank card number and bank name to complete the bank account binding; or the account information of the carrier wallet you are using.

In addition, we may also conduct a risk assessment of your application for funds based on the bank account and wallet information you provide, and provide funds based on your bank account information as soon as your application is approved.

As part of your application for funding, we will provide you with forms to complete and submit yourself.

Facial Biometrics

We will obtain an image of your face by calling up the device's camera, and assess biological activity based on the image obtained.

According to Indonesian Financial Services, there are policy requirements for Know Your Customer (KYC). We need to assess whether the operation is for you based on the facial information we obtain.

And we will use the facial information obtained to compare the consistency with the identification photo you provided, and assess your account risk based on the identification results.

When you need to perform biometric identification, we will ask for your consent to obtain a camera to obtain biological activity information and a photo of your face.

Contact List

During your funding process, we will retrieve and upload your contact list to our servers (https://www.

The information obtained includes:

Your contact information will be used in your funding application risk and credit assessment. For example, whether there is someone listed on the money laundering crimes list in the contacts.

After getting your authorization, we will automatically get your contact list through the Pinjam Bahagia app and send it to our server (https://www. for analysis.

Get the List of Installed Apps on Your Device (App List)

During the process of your application for funds, we will obtain and upload a list of your device's installed apps (App List) to our servers (https://www.

Obtaining a list of installed apps on your device will serve as a risk and credit assessment for your funding application. For example, is there a trojan horse app in your app list.

We will collect a list of Trojan horse apps through public information. And detect whether the software belongs to your device, if the software appears, we will stop your application activity and provide a prompt. To avoid loss of your account funds.

We may check the app installation list each time you register, to ensure the security of account funds for each app.

Once we get your authorization, we will automatically get and report the app installation list to our server (https://www.

Get your Message List (SMS)

During your application process, we will collect a list of messages and send them to our servers (https://www. This is used as a condition for credit analysis.

We need your SMS permission to collect relevant financial text messages from your inbox, understand your cash flow, provide you with appropriate credit analysis, and assist us in risk assessment and credit scoring.

This data is only used to assess loan eligibility and prevent fraud, and no information is shared with third parties.

After obtaining your authorization, Pinjam Bahagia will automatically obtain a list of SMS stored on your device during the application process. The information obtained will be sent to our server in encrypted form.

Information Received from Other Sources (Third Party Information)

Due to the nature of the services we provide, we need to work with a number of third parties, including credit reference agencies and mobile network providers, from whom we may receive information about you.

Tracking and Cookies

We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the App, App Site or Service Site. This helps us provide you with a good experience when you use the App or browse any of our Services and allows us to improve our App and Services.

II.Why Pinjam Bahagia Collects Data

We use data to create a more secure and personalized service. We use the information we collect from all Pinjam Bahagia services to:

Personal Credit Analysis

We use the personal information you provide, device information we collect and information obtained by third parties to conduct a thorough analysis of your personal financial information.

Providing Cash Marketing Services

We use your information to provide Pinjam Bahagia services such as your location and date of birth information to provide certain offers and discounts.

Maintaining and Improving Cash Services

Pinjam Bahagia functions properly, for example to track outages or solve problems that you report to us. In addition, we will also use your information to improve the Pinjam Bahagia service, for example, to analyze the adaptability of our devices through device crash and freeze information.

Promotion Evaluation Effect

We will use data to analyze your installation source channels to analyze the influence of our promotions. We do this using various tools such as Google Analytics, AppsFlyer, etc.

Communicate With You

We use the information we collect, such as your email address, to interact directly with you. For example, we may send you a notification if we detect suspicious activity, such as an attempt to log into your Cash account from a different location than usual. Alternatively, we may notify you of upcoming changes or improvements to the Pinjam Bahagia service. In addition, when you contact Pinjam Bahagia, we keep a record of your request to resolve any issues you may have.

Protecting Cash Users

We use information to help improve the security and reliability of the Pinjam Bahagia service. This includes detecting, preventing and responding to fraud, abuse, security risks and technical issues that could harm Pinjam Bahagia and our users.

To use your information for the purposes described above, we process information using different technologies. For example: use automated systems to analyze your content to provide personalized and tailored marketing, other features tailored to your use of Pinjam Bahagia services, etc.; to analyze your content to detect abuse, such as spam, malware and illegal content; use algorithms to recognize patterns in data, such as Pinjam Bahagia does to detect your facial biometric activity.

When using your information for purposes not covered in this Privacy Policy, we will seek your prior consent.

Manage, review and update your information

After logging into your account, you can access the services you use at any time to view and update information.

Deletion and removal of your information

To delete your information, you can:

Finally, you may also request removal of content from certain Pinjam Bahagia services in accordance with applicable laws and our policies.

When Pinjam Bahagia shares your information

We will not share your personal information with companies, organizations and individuals other than Pinjam Bahagia, with the following exceptions:

For external credit inquiries

We will check your credit information with the credit reference agencies and mobile network providers we work with and have them process this information for us in accordance with our instructions, privacy policy and other appropriate confidentiality and security measures.

Fatau legal reason

We will share your personal information with parties other than Pinjam Bahagia if we have good reason to believe that accessing, using, storing or disclosing your personal information is necessary to:

If Pinjam Bahagia is involved in a merger, acquisition or sale, we will continue to ensure the confidentiality of personal information and will notify affected users before personal information is transferred or subject to a different privacy policy.

III.Secure your information

We have security features embedded in our Services to protect your information

All Pinjam Bahagia products have strong security features to keep your information protected. We receive information during the maintenance of the Pinjam Bahagia service that helps us detect and automatically block security threats. If we detect a risk that we think you should be aware of, we will notify you and guide you through the steps to keep you better protected.

We work hard to protect you and Pinjam Bahagia from unauthorized access, alteration, disclosure, or destruction of information in our possession by others. To this end, we have taken many measures, including:

Access to personal information is restricted to Pinjam Bahagia employees, contractors and agents who need it to process it. Anyone with this authority must comply with the strict confidentiality obligations stipulated in the contract, and if they break the rules, they may be penalized or dismissed.

IV.Comply and cooperate with regulators

We will periodically review this Privacy Policy to ensure that we are processing your information in a manner consistent with this Policy.

Data Transmission

Upon receipt of a formal written complaint, we will contact the complaining party. We will cooperate with the appropriate supervisory authorities, including local data protection authorities, to resolve complaints regarding the transfer of your data that cannot be resolved directly between us and you.

V.About this policy

Scope of this policy

This Privacy Policy applies to all services provided by Pinjam Bahagia and its affiliates.

This Privacy Policy does not apply to:

Amendment to this Policy

We may revise this Privacy Policy from time to time. We will not reduce your rights under this Privacy Policy without your express consent. We always indicate the date when changes were last posted and provide access to archived versions for your review. For material changes, we will send you a prominent notice (including, for some services, we will send you a notice by email describing the changes to the privacy policy).

VI.Related Privacy Policy


N Personally Identifiable Information

Information that is recorded about the user but no longer reflects or involves personally identifiable information about the user.

Log server

Like most websites, our servers automatically log the web requests you make when you visit the website. These "server logs" typically include your web request, Internet Protocol address, browser type, browser language, the date and time of your request, and one or more cookies that can uniquely identify your browser.

Taking Fanfang Cash's homepage as an example, a typical log entry would be as follows:

Personal information

Personally identifiable information you provide to us, such as your name, email address or billing information, or other data that Pinjam Bahagia can reasonably link to such information, such as information we link to your Pinjam Bahagia account number.

Sensitive personal information

This is a special category of personal information related to topics such as racial or ethnic background, political/religious beliefs, or sexual orientation.


Device means a computer that can be used to access the Cash Services. For example, desktops, tablets and smartphones can all be considered devices.

Web storage using a browser

The "web storage using browser" mechanism allows websites to store data in the browser on the device. If the mechanism is used in "local storage" mode, data can be saved across sessions. This way, the data remains available to the user even after closing and reopening the browser. One of the technologies that will help enable web storage is HTML 5.

An algorithm

The process or set of rules that a computer follows when performing problem-solving operations.

unique identifier

A unique identifier is a string of characters that uniquely identifies a browser, app, or device. Different identifiers vary in how long they are valid, whether they can be reset by the user, and how they are obtained.

Unique identifiers are used for a variety of purposes, including detecting security risks and fraud, synchronizing services such as your email inbox, recording your preferences, and delivering customized advertisements. For example, based on the unique identifiers stored in cookies, websites can display content on your browser in your preferred language. You can configure your browser to refuse all cookies or display a warning when a website sends a cookie.

On platforms other than browsers, unique identifiers may be used to identify specific devices or apps within them. For example, relevant ads may be served on Android devices based on a unique identifier such as an Advertising ID (which you can manage in your device settings). Device manufacturers may also program unique identifiers (sometimes called universal unique IDs, or UUIDs) into devices, such as a phone's IMEI number. For example, the system can tailor the Pinjam Bahagia service to a device based on the device's unique identifier, or analyze device issues related to the Pinjam Bahagia service.

Pixel tags

A pixel tag is a technology applied to a website or within the body of an email to track certain activities (such as how many times a website is viewed or when an email is opened). Pixel tags are often used in conjunction with cookies.

Referrer URL

A referrer URL (Uniform Resource Locator) is information that a web browser sends to a destination webpage, usually after you click a link to that webpage. The referrer contains the URL of the last web page you visited in your browser.

Data Application Cache

Application data caching refers to the mechanism of storing data on the device. There are many benefits to using it, such as allowing web apps to run without an internet connection and improving app performance with regard to speeding up content loading.


Cookies are small files containing a string of characters that are sent to your computer when you visit a website. When you visit the relevant website again, the website can recognize your browser through cookies. Cookies can store user preferences and other information. You can configure your browser to refuse all cookies or display a warning when a website sends cookies. However, some website features or services may not function properly without cookies.

Account Pinjam Bahagia

You can use some of our services by registering for a Pinjam Bahagia account and providing us with some personal information (usually your name, email address and password). When you access Pinjam Bahagia services, the system will use this account information to authenticate you to prevent unauthorized personnel from accessing your account. You can edit or delete your account at any time in the Pinjam Bahagia account settings section.

IP address

Each device connected to the Internet is assigned a number called an Internet Protocol (IP) address. These numbers are usually assigned based on geographic region. IP addresses are often used to identify where a device is located when connected to the Internet.

Additional background information

Android device with the Pinjam Bahagia app installed

Android devices with the Pinjam Bahagia app installed include devices sold by Pinjam Bahagia or one of our partners, including phones, tablets. These devices utilize the services of Pinjam Bahagia.

Phone Number

If you add a phone number to your account, it may be used differently in each Pinjam Bahagia service, depending on your settings. For example, your phone number may be used to help you access your account if you forget your password.

Legal Process or Mandatory Government Request

Pinjam Bahagia, like other technology and communications companies, regularly receives requests for user data from government agencies and courts around the world. The privacy and security of your data stored on Pinjam Bahagia is our top priority, and we also make it a priority when providing data as required by law. Our legal team reviews every request, regardless of type, and we will often deny a request if it is too broad or does not follow the correct process.

Preventing Abuse

For example, if we receive information about a security threat, we may notify you if we believe your account has been compromised and help you take steps to protect your account.

Operator's bank account or wallet information

For example, if you add bank account or carrier wallet information to your Cash account. In some cases, we may also need to verify your identity and may ask you to provide requested information.

We may also use bank account or carrier wallet information to verify you in some cases, such as if you enter an incorrect date of birth, indicating that you are under the age required to have a Cash account. Whether the age requirement is met.


For example, we use cookies to analyze user interactions with the Pinjam Bahagia service and may use the analytics results to create better products. For example, analytics results may help us discover that users are taking too long to complete a task or are unable to complete all steps at all. This allows us to redesign features and improve the product for all users.


For example, if we receive a request to remove content from the Pinjam Bahagia service, we process information related to that request in accordance with Pinjam Bahagia content removal policy or applicable laws to evaluate the request and ensure that our practices are transparent, more accountable and prevent claims of abuse/use to commit fraud.

Detecting Abuse

If we detect spam, malware, illegal content, and other forms of abuse on our systems that violate Pinjam Bahagia policies, we may disable your account or take other appropriate action. In some cases, we may also report violations to the appropriate authorities.

Publicly Accessible Sources

For example, we may collect information publicly available on the web or from other public sources to help train Cash Trojan recognition models and to create useful features (such as Cash Trojan recognition).

Sensor data from your device

Your device may contain sensors to better understand your location and movements. For example, an accelerometer may be used to detect your speed and a gyroscope may be used to detect the direction of travel.

Make sure the Pinjam Bahagia service is up and running

For example, we continuously monitor our systems to detect issues in a timely manner. If we find an issue with a feature, reviewing the activity information collected before the issue occurred will help us resolve the issue more quickly.


For example, we may use information from your device to help you determine which devices to install Pinjam Bahagia on. We also use this information to help protect your account.

Information About Things Around the Device

If you use Pinjam Bahagia location services, your device sends Pinjam Bahagia information about its location, sensors (such as accelerometers), nearby towers and Wi-Fi access points (such as MAC address and signal strength). All this information helps us determine your location. You can enable Pinjam Bahagia location services through your device settings.

specific partners

We will check your credit information with the credit reference agencies and mobile network providers we work with and have them process this information for us in accordance with our instructions, privacy policy and other appropriate confidentiality and security measures.