Terms of Service
Effective Date: November 19, 2025
1. Acceptance of Terms
By accessing and using the website and services provided by SmartBank ("Company", "we", "our", or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you are strictly prohibited from using our Services and must discontinue use immediately.
2. Intellectual Property Rights
Unless otherwise indicated, the Service is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Service (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.
3. User Representations
By using the Service, you represent and warrant that:
- All registration information you submit will be true, accurate, current, and complete.
- You have the legal capacity and you agree to comply with these Terms.
- You are not a minor in the jurisdiction in which you reside.
- You will not access the Service through automated or non-human means, whether through a bot, script, or otherwise.
- You will not use the Service for any illegal or unauthorized purpose.
4. Prohibited Activities
You may not access or use the Service for any purpose other than that for which we make the Service available. The Service may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. Systematically retrieving data or other content from the Service to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us is prohibited.
5. Limitation of Liability
In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the service, even if we have been advised of the possibility of such damages.
6. Governing Law
These Terms shall be governed by and defined following the laws of Indonesia. SmartBank and yourself irrevocably consent that the courts of Indonesia shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.
7. Contact Us
To resolve a complaint regarding the Service or to receive further information regarding use of the Service, please contact us at legal@smartbank.ai.