GENERAL TERMS AND CONDITIONS OF SERVICE

Overview

By using Brick’s services, you (“User”) agree to be bound by the service agreement (“Agreement”) and comply with the Terms and Conditions of Use for Brick services (“T&C”) as follows:

These T&C govern how you use and access the services provided by PT Eastern Transglobal Remittance and/or its affiliates (“Brick”, “We” or “Us”).

By clicking “Register” on the website www.onebrick.io and signing the Agreement, you declare that you have read, understood, and agree to be bound by the T&C, including the privacy policy.

You also acknowledge and agree that:

The services are licensed, not sold to you, and may only be used as outlined in the T&C and Agreement;
When creating an account for the first time, we will ask for your email address to verify the account by sending a verification email. Use of the services may also be subject to separate terms and conditions from third parties related to services and fees, which are your responsibility;
The services are provided “as is” without any warranties, and Brick has no obligations to you.

Definition

In this document, some terms and phrases have specific meanings that must be understood as follows:

“Affiliation”: refers to PT Brick Teknologi Indonesia and PT Brick Financial Inklusif and/or in relation to legal entities: other parties who, directly or indirectly control, are under joint control with or controlled directly or indirectly by Brick, or (ii) in relation to individuals, anyone who has an employment relationship or acts as a representative or proxy of Brick.
“Platform”: Refers to the website, mobile application or other electronic services provided by PT Eastern Transglobal Remittance to access the services and information provided by the company.
“Client”: Refers to any individual or entity who accesses or uses the PT Eastern Transglobal Remittance platform, including but not limited to users who register as members or anonymous users.
“Personal data”: Refers to information that can be used to identify an individual, including but not limited to name, address, telephone number, email address, and other information that may be collected by the Company in accordance with the applicable Privacy Policy.
“Terms and Conditions”: Refers to the provisions, rules, agreements, and guidelines explained in this document, which govern the use of the PT Eastern Transglobal Remittance platform by Users.
“Privacy Policy”: Refers to the policies governing the collection, use and protection of Users’ personal data, which can be accessed through the PT Eastern Transglobal Remittance platform.
“KYB (Know Your Business)”: KYB is an abbreviation for “Know Your Business” which refers to the process of identifying and verifying companies or business entities that use PT Eastern Transglobal Remittance services. This includes assessing business risks and gathering information necessary to understand the User’s business.
“CDD (Customer Due Diligence)”: is an abbreviation for “Customer Due Diligence” which refers to the steps and procedures undertaken to identify and verify the identity of individual Clients or business entities at the time of registration and during use of the platform.
“EDD (Enhanced Due Diligence)”: EDD stands for “Enhanced Due Diligence” which refers to additional actions that a Company may take to identify and understand higher risks associated with a particular Client or a particular transaction.
“Fund Transfer Order”: Refers to written or electronic instructions given by the User to the Company to transfer funds from the user’s account to certain third parties, for certain purposes, in accordance with the applicable terms and conditions.
“Service”: Services are a collection of functions, features and services provided by PT Eastern Transglobal Remittance through its platform, including but not limited to fund transfer services, and other related services.
“BrickPay Service”: The BrickPay service is a special service provided by PT Eastern Transglobal Remittance which includes fund transfers within the company’s collaboration network.
“Mitra”: Partners are third parties and/or their affiliates who collaborate with PT Eastern Transglobal Remittance to provide certain services to Users. Partners have the necessary permits to provide these services and play an important role in carrying out related transactions and operations.
“Workday”: Business Day is the day of the week determined by the Company as the day on which the platform services are available for use by Users. Working Days may not include national holidays or certain days determined by the Company.
“Calendar Days”: Calendar Day is any day in a calendar year.

Force Majeure

Brick is not responsible for any delay or failure in fulfilling its obligations due to circumstances beyond Brick’s reasonable control, including but not limited to natural disasters, wars, riots, government actions, network disruptions, or other situations commonly known as “Force Majeure”.

In the event of Force Majeure, Brick will:

Notify the Client as soon as reasonably possible regarding the Force Majeure event;
Make reasonable efforts to minimize the impact of Force Majeure on its services and obligations to the Client.

These provisions define Brick’s obligations and responsibilities in dealing with Force Majeure situations that may affect the implementation of Brick Platform services. By accepting and using the services, the Client is deemed to have understood and accepted these conditions.

Confidential Information

In the context of these Terms and Conditions, “Confidential Information” refers to any information, data, business plans, strategies, techniques, methods, procedures or other materials disclosed by one party to the other party (“Information Recipient”) during the period of cooperation which is considered confidential and has commercial value, and which was not obtained publicly or through a legitimate source other than the party disclosing it (“Disclosing Party”).
The Information Recipient agrees to:
- Confidentiality: Maintain the confidentiality of Confidential Information with at least the same degree of care as the Disclosing Party applies to protect its own information.
- Limited Use: Use Confidential Information only for purposes related to collaboration or transactions as regulated in these Terms and Conditions.
- Access Restrictions: Ensure that Confidential Information is only disclosed to employees, agents or third parties who need to know it for the purposes permitted in this agreement, and only if such third parties have agreed to keep the information confidential.
- Continuous Protection: Continue to maintain the confidentiality of Confidential Information even after the end of this collaboration or agreement, and as long as the information still has commercial value that can be maintained.
Exemptions from the Duty of Confidentiality

The Information Recipient Party will not be deemed to be in breach of its confidentiality obligations under this clause if:
- The Confidential Information has become public information without any error or violation on the part of the Information Recipient.
- The Information Recipient is ordered by the competent authority to disclose Confidential Information, provided that the Information Recipient provides written notification to the Disclosing Party as soon as practicable before such disclosure is made.
- The party receiving the information is also exempt from confidentiality obligations if they can prove that they have received the Confidential Information from a legitimate source that is not bound by confidentiality obligations.
Enforcement

Any breach of confidentiality obligations under this clause may result in appropriate legal action, including damages, injunctions, or other legal action available under applicable law.
These Terms and Conditions remain valid despite the end of the cooperation or agreement between the parties involved.

By receiving and using Confidential Information disclosed by the Disclosing Party, the Information Receiving Party agrees and is obliged to comply with all provisions in this clause. This clause will continue to apply and bind the parties involved, even after the end of the collaboration or agreement underlying the disclosure of Confidential Information. Further settings are set in Privacy Policy.

Governing Law and Dispute Resolution

This Agreement and General Terms and Conditions are subject to and interpreted according to the laws of the Republic of Indonesia.
The Parties agree that any dispute or controversy arising in connection with this Agreement and General Terms and Conditions, including regarding its existence, validity, interpretation or implementation (“Dispute”) will be resolved by mutual consensus between the Parties within a period of 30 (thirty) Calendar Days from the date of receipt of written notification by one Party from the other Party regarding the emergence of a Dispute.
The Parties agree that in the event that the Dispute cannot be resolved through consensus deliberation within the time period as stated in paragraph (2) above, the Dispute will be resolved and decided through the South Jakarta District Court.

Limitation of Liability and Indemnification

Brick is not responsible for any loss or damage arising from the Client’s use of the Brick Platform, except in the event that Brick is proven to have committed negligence or violated applicable law in managing the Brick Platform.
Brick is not responsible for delays, interruptions, or failures in providing funds transfer services caused by technical problems, network disruptions, or factors beyond Brick’s control.
This limitation of liability and indemnification provision does not limit Client’s legal rights that may apply under applicable law.
Brick is committed to maintaining the security, comfort and optimal performance of the Platform. However, Brick cannot guarantee that the Platform will always operate continuously or be accessible without interruption. It is possible that the Platform may be temporarily inaccessible, under maintenance, or experiencing technical difficulties that require immediate repair by Brick.
The Platform, Services and all Features therein are provided on an “As Is” and “As Available” basis. Brick does not provide any guarantee that the Platform, Services, or any Features therein will always operate without interruption or be free from minor defects or errors that may not materially affect its performance. Brick also does not guarantee that any Features available on the Platform are designed to meet all of the Client’s needs.

Miscellaneous

Nonconformity of one or more provisions in these Terms and Conditions with applicable law will not automatically or immediately negate the other provisions. Inconsistent provisions will be modified or interpreted in such a way that they comply with applicable law, while other provisions will remain in effect without effect.
If there are matters that have not been regulated in these Terms and Conditions and need to be regulated in more detail or specifically, the Parties agree to regulate these matters in an additional agreement stated in writing. Such additional agreements can be made electronically.
The Client understands that these Terms and Conditions are made and prepared as an electronic document as intended by the Applicable Laws and Regulations. If in the future these Terms and Conditions are required to be signed by the Parties, then the Parties agree to sign them electronically. All costs incurred for electronic signing will be borne by the Client and billed by Brick.

Contact Us

If you have any questions or concerns about these Terms and Conditions please contact us via the following email address: support@onebrick.io.

These Terms and Conditions may be updated from time to time in accordance with changes in our services or applicable regulations. Please check this page periodically to understand the latest changes. By continuing to use our services, you are deemed to have accepted these Terms and Conditions and any changes that exist at that time. This consent is given voluntarily, without coercion, under competent conditions, and with full awareness.