Hi, welcome to YODU Features!
YODU Application is a software application accessible by a Smartphone that serves as a means used by every person as a user to find services provided by third parties (such as Yogrt Apps and Yogrt Games), who use the application as a forum to provide their services.
YODU is an electronic money issued by PT ABN which is registered and monitored by Bank Indonesia, having the same function as cash money to be used as a valid payment tool, which value is equivalent to the cash money deposited in advance to the YODU account.
YODU Account is the account for which every YODU User is given at the registration. This account will be set up according to your information details that you have provided us when making the registration.
PT ABN, “us”, “we”, or “our” is PT Akasanet Bumi Nusantara, a company duly established and operated under the laws of the Republic of Indonesia and domiciled in DKI Jakarta, Indonesia which facilitates payment transaction between users and merchants.
Smartphone is a mobile cellular phone with Android operating systems to run the YODU Application.
Top-Up is the account balance top-up service for YODU Account which can be performed via by a bank transfer through certain banks in Indonesia or through other platforms/institutions that may be determined from time to time by PT ABN.
Payment is a payment made through YODU for paying transaction bills to merchants who offer their services and for paying other bills as may be made possible by YODU from time to time. Each Payment will automatically reduce the balance shown in your YODU Account by the corresponding amount.
Fund Transfer is a service offered by YODU to transfer money to another account within YODU which will automatically reduce the balance shown in your YODU Account and add the other party’s YODU Account balance by the corresponding amount.
Cash Withdrawal is a service offered by YODU to withdraw money from the YODU Account through your registered bank which will automatically reduce the balance shown in your YODU Account by the corresponding amount.
YODU Services are services provided by YODU which consist of: 1. Top-Up;2. Payment;3. Fund Transfer; 4. Cash Withdrawal; and/or 5. Other services that we may add from time to time as approved by Bank Indonesia, or other relevant authorities.
Before using your YODU Account, you must be registered with Yodu which may be completed through the YODU Application that has been downloaded to your Smartphones. You are under obligation to provide the correct, true and most up-dated information details of yourself.
For the purpose of registering your YODU Account and/or using certain services under the Yodu Services, we may, at our sole discretion, ask you to submit additional documents or information, such as your latest photograph and/or a copy of your valid identity document (e.g. Kartu Tanda Penduduk (KTP) or passport). You may send us the documents electronically or directly to our office, subject to our specific instructions on this. We will verify your submitted documentation and determine your eligibility based on the submitted documents. We may also require further information from you and may need to meet you in person (or through our agent) if needed.
You agree that we have the right to terminate our services to you if you are deemed to have failed to convey information which true,proper, and newest from yourself or comply with any of the additional requirements in the manner and within the timeline set out in our notice to you in this regard, or we found out that your information details set out in these additional documents are not consistent with those you provided when opening the YODU Account. By making those documents available to us, you are deemed to consent to the collection, use, and disclosure by us of your personal information as indicated in the documents you provide to us, in accordance with the prevailing laws and regulations. For the purpose of processing your application or any other purposes we deem appropriate, you agree that we may disclose your personal information which is given in the course of your account registration application to any third parties, including governmental and monetary authorities and third party processors, to the extent permitted by the prevailing laws and regulations.
In addition, you undertake to provide accurate and complete information, keep the information up to date and agree to provide us whatever proof of identity we may reasonably ask for. If any of the personal information that you have provided to us changes, for example, if you change your e-mail address or telephone number, you must immediately update your details through the system provided. We will, to the best of our liabilities, effect such changes as requested immediately. We will not be liable for any loss you may suffer due to your failure to up-date your details through the relevant system.
For the account registration through YODU Application, you will choose your own password and other login details necessary to identify you. You are strictly prohibited from disclosing your log-in details to any third parties, except as required by the prevailing laws and regulations (which in this case, you will notify us in writing of such disclosure immediately). We or our officers will never ask for your password in any communications between you and us (except to log-in to your YODU Account in the YODU Application using your Smartphone). You agree to bear any risks associated with the disclosure of your log-in details to any third parties and are fully responsible for any consequences related thereto.
You may Top-Up your YODU Account from time to time according to your need by following the instructions set out in your YODU Account. Note that your YODU Account to which your virtual money is deposited is not a saving within the meaning of laws and regulations on banking and not subject to protection program by Deposit Insurance Institution (or Lembaga Penjamin Simpanan). Accordingly, your YODU Account may not be entitled to any features that are usually attached to bank accounts (such as interests, etc). Also, YODU is not a bank and therefore, our services should not be understood as banking services.
You may Top-Up your account through certain banks cooperating with us and for this service, certain fees may be charged by the relevant banks.
The amount in your YODU Account is limited to: (a) IDR1,000,000 (one million Indonesian Rupiah) for unverified account; or (b) IDR10,000,000 (ten million Indonesian Rupiah) for verified account at any time and you may not conduct monthly incoming transactions valued at more than IDR20,000,000 (twenty million Indonesian Rupiah). These limits may be changed from time to time at our discretion in line with the Agreement in place at that time and as conveyed to you.
If your YODU Account exceeds the limit set out in this Agreement , we are entitled to verify your YODU Account before we take any further action (such as to return the excess amount). In making the decision, we will determine, among other things, whether the funds came from a legal source (for example, not come from illegal activities/criminal acts). If, for example, we find that the source of the funds is illegal, you agree that we have the right to take any action necessary to comply with any regulatory requirements, including but not limited to reporting the event to the relevant government institution.
YODU can only be used for YODU Services provided in YODU Application.
You can use YODU Services as long as you have sufficient funds in your YODU Account and the transactions are made with the merchants that have entered into a cooperation agreement with us and/or our affiliated companies. The list of the merchants is available, and will be updated from time to time (depending on our agreement with each of the merchants), in your YODU Application, or in the case of offline merchants, as notified to you from time to time.
Upon receiving your request for Payment, our system will verify the request and check your YODU Account balance. If a sufficient fund is available, by system the balance in the relevant YODU Account will be deducted with an amount input in or confirmed by you as the User. Once transaction is completed, the transactions cannot be cancelled. It is within our sole discretion to review and determine the cancellation or chargeback request on case per case basis.
We may, at our sole discretion or at your request, block your YODU Account and the use of the YODU Services upon the occurrence of any event or circumstance which we consider to be detrimental to either you or us. These events or circumstances include (but are not limited to) the following:
The loss/theft/hacking of your Smartphone that you have reported to us; an instruction to block issued by any relevant government or monetary institution or under a court ruling issued in accordance with the prevailing laws and regulations; and/or any other reasons we deem necessary.
In such an event, we will notify you with or without providing details of the reason for the blocking. Subject to the provisions hereof, the blocking will not be unreasonably continued once we determine that the event or circumstance giving rise to the blocking has ended.
If your YODU Account is blocked while you have strong evidence that no suspicious event or circumstance has occurred, Upon reviewing your complaint, we may, at our discretion, decide whether to end or continue the account blocking.
Your transactions using YODU are saved electronically in our server. You acknowledge that we have made our best effort to maintain the security of the system. However, unless an error is caused directly by us, in the event of any discrepancy between the data and the balance and/or transactions history indicated in your YODU Account and the data and the balance and/or transactions history held and managed by us, the data and the balance and/or transactions history held and managed by us will be deemed conclusive evidence and binding upon both parties.
If you do not use your YODU Account for a minimum of consecutive 6 (six) months, we may block your YODU Account. Upon verification of your personal information, we may, at our discretion, decide whether to end or continue the account blocking. Certain fees may be imposed with respect to the Dormant Account which may be determined from time to time by us and notified to you.
You understand that when using your YODU Account (including commenting on our services in user’s reviews), certain of your personal data may be collected, used, and/or disclosed by us so that you can enjoy YODU Services to the fullest extent of its functionality. For the purpose of operating the YODU Account and/or any other purposes we deem appropriate, you hereby consent to the collection, use, and disclosure of any and all of your personal data by us and you are also fully aware that some of your data or information will be accessible to the third party whose services you use (such as the merchants) through our application. For avoidance of doubts, you also allow us to disclose your personal data to any third parties we engage with, or to any authority (including judicial authority) in accordance with the prevailing laws and regulations. We will not be liable for any loss you may suffer due to any misuse by the third party of your data or information that has been disclosed according to this Clause. You also acknowledge that we may be required to disclose your personal data to any authority (including a judicial or monetary authority) under the prevailing laws and regulations.
Viruses, Errors, Bugs, and other forms of System Interruption.
Your online safety and security is of the utmost importance for us. We employ reasonable security measures to safeguard your data in transit, while stored and your use of the YODU Account and/or YODU Services. However, we would like to hightlight that no system is impenetrable and this may result in increased risk exposures of Your information and use of the YODU Account and/or YODU Services. Therefore, without limiting the generality of Clause 10, to the extent permissible under the prevailing laws and regulations, you agree to release us from any claims arising out of or in connection with the viruses, errors, bugs, or other forms of system interruption, including unauthorized access by third parties. We encourage you to notify us immediately if you encounter any system interruptions above so that we can make an effort to fix the problems.
In addition, you undertake not to harm, tweak or modify your YODU Account and/or service and/or application YODU YODU or attempt to harm, tweak or modify it in any way whatsoever. We will not be liable if you do not have a compatible device or if you have downloaded the wrong version of YODU to your device. We reserve the right to prohibit you from using YODU and/or YODU Services further if you use it with an incompatible or unauthorized device or for purposes other than those for which the YODU and/or YODU Services are intended to be used. For the avoidance of doubt, no system interruption will limit your obligation to make Payment in full through either a Top-Up or in cash.
Errors with your Bank’s System.
As Top-Up will involve a transaction using your bank account, in the event of any error in or related to your bank’s system, you agree to settle the problem directly with the bank, with or without our assistance. We will not be liable for this problem.
Loss/Theft/Hack of your Smartphone.
If your Smartphone is lost, theft, and/or hacked, please let us know without delay through complaint mechanism below. For this purpose, we will only respond to an email from an email account registered for your YODU Account. If any delay occurs between the events and your notification of such events and there is any transactions entered into by your account, you agree that once executed, the payment will be deemed a valid payment.
Questions, Requests and Complaints.
If you have any questions, requests or complaints about the YODU Features, please send us an email at firstname.lastname@example.org or call us at (021) 22775926
To respond to your questions or complaints, we will first verify your data. We are entitled to refuse to process your questions or complaints if your data does not match the data stored in our system.
We will check or verify your complaint and respond to you in accordance with the policies and procedures applicable in our company after receiving a complete complaint submission from you.
A YODU Account may be closed due to the following:
a. Request by you;
b. Our policy in accordance with the prevailing laws and regulations;
c. A Force Majeure condition continues for more than 3 (three) months or more in a row as specified in this agreement; and/or
d. Reasons related to the Account Blocking set out in this Agreement .
In the event of an account closing, we will return the remaining balance in your YODU Account to you by the method agreed to between the parties, after the payment of any outstanding fees (if any), unless there exists any event or circumstance which we consider to be or might be detrimental to us or any other party that requires us to retain certain amount of your YODU balance, for example due to reasonable belief that it is associated to or resulted from fraud.
Your YODU Account will be terminated automatically or closed when you terminate your YODU Application.
You are responsible for the information is untrue, inaccurate or not relating to the Account of Your confidentiality as well as Yodu password and your login information.
You are responsible for every transaction you enter into. Therefore, you must be careful when using the YODU Account and/or YODU Services and/or YODU Application, including but not limited to when choosing from the transaction menu, the purpose of payment, entering any value in the transaction, etc. Save for errors caused by PT ABN, any loss and/or damage caused by your mistake when using the YODU Features or YODU Application described above will be at your own risk, responsibility, and liability. You must carefully follow every direction for using YODU Services and/or YODU Application or for entering into any transactions.
Unless agreed otherwise by the Parties, YODU shall not process refund for transactions paid from credit / debit cards and installments of credit / debit card, bank transfer, and electronic wallet (balance) performed by users and other Third Parties except due to very limited reason which will be agreed by the Parties on a case per case basis.
When there are claim from users or third parties relating to an error on the Service provided by the YODU, YODU shall reserve the right to investigated and compensate users if it is needed.
By registering for and using of a YODU Account and using YODU Services, you agree that you liberating as well as will defend, indemnify and hold us, our licensors, affiliates, and each of our officers, directors, commissioners, employees, attorneys and agents, harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) arising out of or in connection with:
b. your violation of any right of any third party related to the YODU and/or YODU Services, or
c. any use or misuse of the YODU and/or YODU Services by you or any party through your account, or
d. the blocking of your YODU Account for reasons set out in this Agreement.
Our services may be interrupted due to certain events or causes beyond our power and ability to control (Force Majeure), including but not limited to natural disasters, electrical disturbances, telecommunications disruptions, government policy, and other causes beyond our power, and ability to control. You therefore agree to release us from any claims, if we are unable to follow your instructions in the YODU Account either partially or wholly due to Force Majeure. If a Force Majeure condition continues for more than 3 (three) months consecutively we may close your YODU Account in accordance with this Agreement.
While the balance of your YODU can be transferred to any third parties, your YODU Account is non-transferrable to any third parties.