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Privacy Policy

Last Updated: July 21, 2025

 

1. Introduction

PT Anugrah Multi Remittance, hereinafter referred to as “Swiftrans”, respects and is fully committed to protecting the privacy of our Users. This Privacy Policy explains how we collect, store, use, disclose, and protect personal data obtained through the use of Swiftrans’ international remittance services.

By using Swiftrans’ services, the User is deemed to have read, understood, and agreed to the terms of this Privacy Policy.

 

2. Personal Data Collected

Swiftrans may collect the following types of information:

  • Identity Information: Full name, identification number (ID/Passport), date of birth, nationality.
  • Contact Information: Address, phone number, and email address.
  • Transaction Information: Amount and destination of the transfer, recipient’s name, bank account details.
  • Financial Information: Proof of source of funds, bank account used.
  • Technical Information: IP address, activity logs, device and application data.
  • Other Information required in accordance with laws and regulations on Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF).

 

3. Purpose of Data Collection

The personal data collected will be used for the following purposes:

  • To provide, manage, and improve Swiftrans’ services.
  • To carry out identity verification and Know Your Customer (KYC) processes.
  • To comply with applicable laws and regulations (including AML-CTF).
  • To detect and prevent fraud, misuse, or other illegal activities.
  • To provide information to competent authorities when legally required.To communicate important updates regarding transactions or services.

 

4. Legal Basis for Data Processing

We process personal data based on the following legal grounds:

  • The User’s consent.
  • Legal obligations (including regulations from Bank Indonesia, PPATK, and other applicable laws).
  • Legitimate interests of the company in ensuring security and operational efficiency.
  • Contractual obligations between Swiftrans and the User.

 

5. Data Storage and Protection

  • Data is stored on servers protected both physically and digitally, in accordance with industry standards.
  • Swiftrans implements encryption, firewalls, and access controls to prevent unauthorized access.
  • Data will be retained as long as necessary for processing purposes or as permitted by law.

 

6. Sharing of Personal Data

Swiftrans may share personal data with the following third parties:

  • Overseas correspondent partners for international remittance purposes.
  • Domestic correspondent partners for domestic fund transfers.
  • Verification and KYC service providers.
  • Regulatory and legal authorities (Bank Indonesia, PPATK, Police, etc.).

All third parties are required to adhere to data protection principles equivalent to our own.

 

7. User Rights Regarding Personal Data

Users have the right to:

  • Access and obtain a copy of their personal data.
  • Update or correct inaccurate personal data.
  • Withdraw consent (with certain consequences on the services).
  • Request deletion of personal data, in accordance with applicable laws and regulations.

Requests regarding these rights may be submitted via: [email protected]

 

8. Cookies and Similar Technologies

We use cookies and similar technologies to:

  • Enhance user experience.
  • Collect data on service usage.
  • Provide more relevant content.

Users can manage their cookie preferences through their respective browser settings.

 

9. Changes to the Privacy Policy

Swiftrans may update this Privacy Policy from time to time. We will notify Users of any material changes via the application, email, or other official communication channels.

Continued use of the services following any changes will constitute acceptance of the updated Privacy Policy.

 

10. Contact Information

For any questions, information requests, or complaints regarding this Privacy Policy, please contact us at:

PT Anugrah Multi Remittance (Swiftrans)

Office Address: Komplek Bumi Indah Blok F No. 2, Lubuk Baja Kota, Lubuk Baja District, Batam City

Email: [email protected]

 

11. Governing Law

This Policy shall be governed by and construed in accordance with the laws of the Republic of Indonesia, including Law Number 27 of 2022 on Personal Data Protection, and its implementing regulations.