Privacy Policy

Effective Date: April 6, 2026

Last Updated: April 6, 2026

At Panduan Terbaik Banking, we believe that financial empowerment must be built on a foundation of absolute privacy. This Privacy Policy describes how we collect, use, and protect your information within our digital banking, wealth management, and financial guide ecosystem at https://banking.panduanterbaik.id (the “Service”).

By using the Service, you agree to the practices described in this policy. We do not sell your account balances, spending patterns, or investment inquiries to third-party marketing firms.

1. Information We Collect

In accordance with the NYT standard of transparency, we collect only the data necessary to provide secure banking services and personalized financial guidance.

1.1 Identity & KYC (Know Your Customer) Data

Personal Identity: Full name, National ID (KTP/Passport), date of birth, and place of birth.
Tax & Residency: Tax Identification Number (NPWP) and verified residential address.
Biometric Data: (With explicit consent) Facial recognition or fingerprint hashes used for secure mobile app authentication.

1.2 Financial & Transactional Data

Account Details: Balance history, transaction logs, and linked bank account or e-wallet information.
Investment Profile: Risk tolerance assessments, portfolio holdings, and financial goal declarations.
Credit Data: Information retrieved from the SLIK (OJK) for credit product eligibility.

1.3 Technical & Security Data

Secure Logs: IP addresses, device UUIDs, and geolocation data (used to detect and block “Out-of-Pattern” or fraudulent logins).
Behavioral Biometrics: Analysis of how you interact with the interface to distinguish between a human user and a malicious automated script.

2. How We Use Your Information

We process your data based on contractual necessity, legal mandates, and your informed consent:

Account Management: Processing transfers, managing bill payments, and maintaining your digital ledger.
Financial Advisory: Using your profile to suggest investment strategies and “Best Practice” banking guides tailored to your wealth bracket.
Fraud Detection: Real-time monitoring of transactions to identify and prevent money laundering (AML) or unauthorized access.
Regulatory Compliance: Reporting to Bank Indonesia, the OJK, and the PPATK as required by national financial statutes.

3. Data Sharing and Confidentiality

Panduan Terbaik Banking does not trade your financial life for profit. Disclosure is strictly limited to:

Interbank Networks: Sharing necessary data with providers like Prima, GPN, or Swift to facilitate your cross-bank transfers.
Vetted Service Providers: Trusted partners for cloud hosting or SMS-OTP delivery, each bound by “Bank Secrecy” equivalent contracts.
Legal Mandates: Disclosure occurs only when compelled by a valid court order or a specific, authorized request from Indonesian financial regulators.

4. Your Rights and Financial Control

Under the Indonesian UU PDP, you have total authority over your financial data:

Right to Access: You may request a full “Financial Data Summary” detailing all personal and transactional info held in our systems.
Right to Rectification: You can update your contact details or financial goals through the “Secure Settings” dashboard.
Right to Erasure: You may request account closure and data deletion, subject to the 10-year mandatory retention for financial records under Indonesian Law.
Withdrawal of Consent: You may opt-out of “Personalized Offers” while maintaining access to core banking features.

5. Security and Data Stewardship

5.1 “Bank-Grade” Encryption

All data—at rest and in transit—is protected by AES-256 bit encryption and TLS 1.3. Our servers are housed in Tier-IV data centers with physical and digital isolation.

5.2 Multi-Factor Authentication (MFA)

We enforce Two-Factor or Multi-Factor Authentication for all high-value actions, including transfers, profile changes, and data exports.

6. Data Retention

We retain your personal information for the duration of your banking relationship. Following account closure, records are archived for ten (10) years to satisfy Indonesian tax, audit, and Anti-Money Laundering (AML) regulations.

7. Changes to This Policy

We may update this policy as banking technology or OJK regulations evolve. Material changes will be announced via a “Security Alert” in the banking portal and sent to your registered email address.

8. Contact Our Privacy Office

For inquiries regarding your data or to report a suspicious financial interaction, please contact our Data Protection & Ethics Team:

Email: [email protected]
Address: Panduan Terbaik Group, Attn: Data Protection Officer, [Insert Physical Address], [City], [Country].

Our Commitment: We manage your financial data with the same precision and integrity we apply to your wealth. Your privacy is our most valuable reserve.