Mekar Funder Portal Peer-to-Peer Lending Marketplace

Privacy Policy

This Privacy Policy applies to user’s Personal Data which includes any data regarding a person either identified and/or can be identified separately or combined with other information directly or indirectly through Electronic and/or non-electronic systems and/or any other data and/or information as may be specified  in the definition or considered as  personal data  (“Personal Data”), as regulated in Financial Services Authority Regulation No. 10 of 2022 ("POJK 10/2022") and Law No. 27 of 2022 concerning Personal Data Protection (“UU 27/2022”) and the prevailing law, that are obtained in relation to the use of Mekar Platform, including via website and mobile as well as the way this information is subsequently used and stored.

First, the Personal Data information that you provide shall be collected and used to run a secure funding business. All Personal Data information shall be collected, used and stored with all due care and diligence, in accordance with the prevailing rules and regulations.

Secondly, the Personal Data information collected through the Platform/ Portal shall be sent to Mekar. Mekar is responsible for the use of your Personal Data information for the purposes as described below. All Personal Data shall be collected, used and stored with all due care and diligence, in accordance with the prevailing Indonesian law. 

In this Privacy Policy, the terms written with an initial capital letter that have not been defined have the meaning given to them in the User Terms of Service.


Who is Mekar?

Mekar is the brand name of PT Mekar Investama Teknologi, an information technology-based joint funding service provider (LPBBTI) that facilitates funding of small and medium businesses in Indonesia. Mekar uses technology to improve access to funding for small businesses in Indonesia and engages wealthier Indonesians to funding the small-scale Indonesian entrepreneurs.


What are Mekar's purposes for collecting your Personal Data information?

Mekar shall use your personal information about you for the following purposes:


Automatically Generated Information

To function optimally (for example, to reproduce information Smoothly and to secure the Platform), Mekar needs certain information. Therefore Mekar collects automatically generated information about your surfing behaviour when you are using the Platform and/or Portals. This information consists of your IP address (a unique string number of your computer that enables Mekar to recognize your computer), the type of browser (the computer application used to view internet pages), the computer system that you use, your account number and the pages that you visit on the Platform.



Mekar uses cookies on the Platform for a number of reasons which you can learn about below. The cookies that Mekar use do not store personally identifiable information, other than your IP address, nor can they harm your computer. Mekar wants the Platform to be informative, personal, and as user friendly as possible; and cookies help Mekar to achieve that goal.

By using the Platform, you agree to the use of cookies and other technologies as set out in this policy. Mekar appreciates some Users may prefer to get more individual control over their visit to the Platform and to have the freedom to adjust their settings accordingly. You can read all about this in the section below, titled “How to Control Cookies”. If you do not agree to such use, please refrain from using the Platform.


Data access

Referring to the provisions and regulations of the Financial Services Authority, Mekar may only access personal data on your cellphone or laptop via Camera, Microphone and Location, with your consent.


Mekar uses both persistent and session cookies:

Persistent cookies are used to allow the Platform to recognize Users when they return to the Platform and to remember certain information about their preferences. These cookies stay on your computer permanently, until you “manually” delete them.

Session cookies are used to allow Users to carry information across pages of the Platform without having to re-enter such information. These cookies will delete themselves automatically once you leave the Platform and visit another website, or when you shut down your browser.

Mekar has also developed relationships with carefully selected and monitored partners, to assist in the delivery of a high quality Platform. Some of these partners may also set cookies during your visit to support customization of advertisements that you may see elsewhere on the Internet, and/or in order to meet contractual obligations with Mekar.

While these cookies do not store any personal details relating to you or your credit cards, please note that we do not have access to or control over the cookies and similar technologies used by Mekar's partners.


Social Media Cookies

To enrich the Platform contents, sometimes Mekar may embed video contents from other social media websites, such as Linkedin, YouTube or Facebook.   As a result, when you visit a page with embedded content, you may be presented with cookies from these websites.  Mekar has no control over or accepts no liability in respect of this cookis, therefore you are advised to check the relevant third party’s cookie's policies for more information.

Mekar also offers a ‘share page’ widget on some of the Platform pages, where a content can easily be shared on the following sites – Facebook, Twitter, LinkedIn, etc, these sites may set a cookie when you are logged into their service.  Mekar has no control over and accepts no liability in respect of these cookies, therefore you are advised to check the relevant third-party cookies policies for more information. 


How to Control and Delete Cookies

Mekar will not use cookies to collect personally identifiable information about you. However, should you choose to disable, reject or block our cookies, some parts of the Platform will not function fully, or in some cases, the Platform will not be accessible at all.

For more information on how to control your cookies settings and browser settings, or how to delete cookies on your hard drive, please visit 


Use by Mekar

Mekar offers you access to the Platform. To ensure that you are provided with relevant advertising and/or offers, Mekar will use the information from your User Account, the Automatically Generated Information and/or other information provided under the Agreement.

Mekar may occasionally send you email updates about our latest products and services, as well as special offers to those who subscribe to such services. Should you decide not to receive any email updates from us, feel free to unsubscribe from these services or please email us to remove you from the subscription list. An opportunity to opt out is also provided in every message Mekar send you.


Sharing with Third-Party Partners

The Parties have given their consent to Mekar for the use, display, process and disclose of your Personal Data to third parties or parties deemed necessary by Mekar for the implementation of LPBBTI transaction, including but not limited to:

  1. Directors, commissioners, employees, or Mekar’s agents;

  2. supporting service providers for Mekar's activities including providers of electronic signature services, virtual accounts, payment gateways, other service providers; 

  3. other parties related to Mekar's business activities; and

  4. Financial Services Authority (OJK), Indonesian Joint Funding Fintech Association (AFPI), and other agencies or authorities.


How is personal information protected?

Mekar has taken appropriate technical and organizational measures to secure your personal information against loss and other types of unlawful processing.

Your personal information is safeguarded against inappropriate use through your user name and password. Log-in data may be sent and stored in encrypted form as well. Mekar cannot, however, guarantee that unauthorized third parties will never circumvent the measures taken by Mekar and will not use your personal information for improper purposes.


Storage of Your Personal Data Information

Mekar stores your Personal Data using encryption technology in accordance with ISO 27001 standards to ensure the security of your Personal Data. The storage of your Personal Data follows the requirements of the applicable laws and regulations.


Data Localization

Your Personal Data, Mekar stores in data center and disaster recovery center located in Indonesia.


Examination and Correction of Your Personal Data Information 

If you wish to know what information Mekar has collected about you, you can send Mekar a request to receive an overview of your personal information by sending an email to Mekar shall provide you with the written information within three (3) Business Days.

If the personal information Mekar processes about you is inaccurate, incomplete or unnecessary for the purposes for which it was collected, you can request to Mekar to rectify, erase or block the information. Mekar shall respond to such a request within three (3) Business Days by sending a request to the email addresses stated above.


What is the Scope of This Privacy Policy?

The Platform and products may contain links and/or references to third party websites and/or content. Mekar are not responsible or liable for these third party websites and/or content. If you leave the Platform and/or Portal to visit this third party websites and/or content, please be advised that third party privacy policy may apply to the collection and use of your personal information. This Privacy Policy only pertains to the personal information collected through the Platform and Portal.


Mekar's Transfer of Business

Should Mekar grow and develop further (or for other reasons), one or more units or assets of Mekar’s business may be transferred or outsourced to a third party, Mekar may be acquired by a third party or Mekar may merge with a third party. In that case, too, your personal information will be transferred and here with you authorize and delegate MEKAR to do so without any objection.


Can This Privacy Policy Be Modified?

This Privacy Policy can be modified. Such modification shall be published through the Platform and Website.


  1. Information Technology-Based Lending Service is a civil agreement between the Funder and the Lender. Therefore all risks incurred from the agreement shall be borne entirely by the respective parties.
  2. The credit risk or debt default shall be borne entirely by the Funder. No government body or authority will take responsibility for this default risk.
  3. The Organizer, under the consent of the respective users (the Funder and/or the Lender), accesses, gains, keeps, manages and/or uses the Users’ personal data (“Data Usage”) on or in the objects, electronic devices (including smartphones or cellphones), hardware or software, electronic documents, applications or electronic systems owned by or under the control of the Users, by informing the objective, boundaries and mechanism of the aforementioned Data Usage to the related Users before making the said agreement.
  4. The Funder with no knowledge and experience concerning lending is advised not to use this service.
  5. The Lender must take into account the interest rate of the loan and other costs incurred corresponding to his/her ability in repaying the loan.
  6. Every fraudulence will be recorded digitally in the cyberspace and will be accessible to the general public through social media.
  7. The User must read and fully understand this information before deciding to become a Funder or Lender.
  8. The Government, in this case represented by the Indonesian Financial Services Authority (OJK), shall not be held accountable of every violation or disobedience committed by the Funder or the Lender (whether it is intended or due to the User’s negligence) against the regulations, the agreement or the bond between the Organizer and the Funder and/or the Lender.
  9. Every lending transaction and activity or the agreement implementation concerning lending between or those involving the Organizer, the Funder and/or the Lender must be carried out through an escrow account and a virtual account as regulated in the Financial Authority Services Regulation Number 10/POJK.05/2022 about Information Technologi-Based Joint Funding Services, and any violation and disobedience of the regulation shall be considered as evidence of a violation of law committed by the Organizer. Therefore, the Organizer must bear any liability suffered by the Users as a direct result of the violation of law as mentioned above without reducing the rights of the Users that have suffered losses as stipulated in the Indonesian Civil Law.

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