These terms and conditions of use ("Terms of Use") govern the relationship between PT REYHAN PUTRA MANDIRI ("REMITPRO", "us", or "ours") and its customers ("Customers", "You") in connection with Service (as defined below).

REMITPRO provides the following services:

1) REMITPRO application along with the site www.remitpro.id

2) Domestic Funds Transfer Service

3) International Funds Transfer Service

4) Domestic Funds Receiving Service

5) International Disbursement Services

6) KasPro Electronic Money Services

7) Services, content, updates, features, software and other products and new releases that we may provide from time to time,

(hereinafter referred to collectively as "Service").

This service is provided by REMITPRO through applications that you download to your device or to devices provided by REMITPRO ("Applications").

Please read carefully the following terms and conditions ("Terms of Service") and our Privacy Policy, and which are included here with reference to these Terms of Service.

That the REMITPRO Service connected with other Parties, including but not limited to KasPro Electronic Money Services, will follow the terms and conditions set forth separately by the owner of the service ("Terms of Third Party Services"), REMITPRO is not responsible for any problems arising from the service referred to.

These Terms of Service govern your access to and use of the REMITPRO Service and all Site Content and constitute a binding legal agreement between you and REMITPRO (the "Agreement").

You acknowledge and agree that, from time to time, REMITPRO may add, change or remove all or part of the features or functions in the Service. Customers can install the latest version to receive these changes. REMITPRO may also decide to stop providing all or part of the Service at any time, and no provision in these Terms of Use can be used as a guarantee that any Application or part of the Service will always be available, either in its current form or form others, and / or that REMITPRO will continue to support, maintain or continue to offer the Services and / or Applications or any version thereof.


If you accept or agree to these Terms of Service on behalf of a company or other legal entity, you represent and guarantee that you have the authority to bind that company or other legal entity to these Terms of Service and, in that case, "you" will refer to and apply to that company or other legal entity.

You acknowledge and agree that, REMITPRO may offer special features and / or promos that have separate terms and conditions in addition to these Terms of Use ("EULA"). In that case, the EULA will apply if there is a conflict with these Terms of Use.

Accept the Conditions

By using information, tools, features, software, and functionality including new content, updates and releases provided by REMITPRO, you agree to be bound by this Agreement, whether you are a "Visitor" (meaning that you can simply browse the REMITPRO Website ), "REMITPRO" (which means you have been registered with REMITPRO). The terms "You" or "User" refers to Visitors, Customers. The term "we" refers to REMITPRO.

If you wish to use the Service, you must read this Agreement and indicate your acceptance during the registration process.

You may not use the REMITPRO Service and you cannot accept this Agreement if you are not at least 18 years old and, under any circumstances, of legal age to form a binding contract with REMITPRO.

If you accept this Agreement, you represent that you have the capacity to be bound by it or if you act on behalf of the company or entity for which you have the authority to bind the entity.

Your Privacy and Personal Information

You agree to the applicable REMITPRO Privacy Statement, and all changes published by REMITPRO. You agree that REMITPRO may use and manage your data in accordance with the REMITPRO Privacy Statement, as part of the Service. You give REMITPRO permission to combine information that you enter or upload for the Service with other Service users and / or other REMITPRO services.

Service Description

The service gives you the ability to conduct online transactions where you, as a Sender, send a specified amount of funds ("Transfer Amount") via REMITPRO (involving, in some cases, its agents) to the designated recipient ("Recipient") (each the transaction, "Transfer"). In connection with the Service, REMITPRO offers you the ability to carry out several types of transfers, which are summarized as follows:

1. Domestic Transfers - Transfers of people to people where the Recipient can collect Amount of Transfer at the REMITPRO location or Agent ("REMITPRO Location") in the territory of the Unitary Republic of Indonesia.

2. International Transfers - Transfers to Recipients located in a foreign country. For International Transfers, the Recipient can be either (a) an individual (that is, a Transfer is a person-to-person transfer), or (b) an issuer of an Electronic Money account bank account (respectively, "Issuer") where the purpose of the Transfer is for the Issuer to make a deposit Transfer Amount to the designated bank account or contain the Transfer Amount to the designated account or Electronic Money, as applicable.

We will report the Amount of Transfers and Transfers, and other information relating to you and / or use of the Service, to the appropriate legal authority or regulator, regulatory agency if necessary or in accordance with the laws and regulations governing our Services.


Initiating a Transfer. To start a Transfer, you must enter the name of the Recipient (either the individual or Issuer, Billing or Carrier in question), the amount of the desired transfer and other information needed, and you will be asked to choose the payment method for the transfer. The payment methods available for your transfer will be indicated on the Website when you make a transfer.

REMITPRO has the right to impose limits on each Transfer Amount. Any restrictions and / or other restrictions that apply to the Transfer will be posted on the Website or disclosed when you make the Transfer. For example, there is a limit to the number you can send. We will, if necessary, tell you what it is.

All fees will be charged by REMITPRO for Transfers (respectively, "Transfer Fees"), all taxes collected by us and charged to you as part of the Transfer ("Transfer Tax"), and all applicable third party fees required for disclosed to you by us ("Other Fees"), each of which will be as identified on the applicable disclosure generated with your Transfer. Your Payment Method Provider may charge additional fees in connection with your use of, or use of, your Payment Method to make payments for Transfers. Fees imposed by the provider or by others who are not directly parties to the Transfer, such as the recipient's financial institution, cannot be reflected in the disclosure before payment or on the Receipt (defined below).

In addition, there is a possibility that taxes or other fees may apply to transfers that are not imposed by REMITPRO or paid through REMITPRO which may not be reflected in pre-payment disclosures or on your Receipt for Transfers. Transfers that (i) exceed applicable limits; (ii) sent to certain Expected Destinations; (iii) involves legal, compliance or other regulatory issues; or (iv) sent via a delayed delivery option may take longer than anticipated for delivery, may be subject to an amount limit or may be subject to additional restrictions that may affect the ability of the Transfer to be withdrawn.

We have the right to refuse Transfers or limit Transfer funds from being collected by Recipients if we believe that: (a) doing so may be prohibited by law, regulation, code, or other duty or requirement that applies to REMITPRO or Agent or Service Provider; (B) doing so may expose REMITPRO, any Agent or Service Provider to act from the government or regulatory body; or (c) may be connected to fraudulent or illegal activities. In certain circumstances, legal or regulatory requirements can prevent us from being able to share with you specific reasons why we cannot send the transfer you requested. Transfers made in conjunction with the initial application for a User Account will be postponed until your funding identity and information has been fully confirmed by REMITPRO.

For each transfer you make, you authorize REMITPRO (or any party authorized by REMITPRO) to debit or charge fees, as applicable, the Payment Method you choose for the Transfer Amount, plus any applicable fees, including Transfer Fees, and cost. Whether the transfer is done by debiting your bank account or debit card account or charging fees to your credit card account, funds or credit, as applicable, must be available in the account from which the transfer was made.

REMITPRO has no obligation to make transfers except sufficient funds or credit such as balances on the KasPro Electronic Money Service, as applicable, and REMITPRO and the Service Provider have no obligation whatsoever if a transfer is not made due to lack of adequate funds or credit. REMITPRO can send back for collection of any ACH debit authorized by you returned to it for any reason. You are responsible to REMITPRO if REMITPRO completes the Transfer you have requested and, for any reason.

Receive Transfers

For (a) International Transfers sent to the Issuer for the purpose of depositing funds to a bank account or loading funds to, or (b) Transfers to an account or Electronic Money, the Amount of Transfer will be deposited or credited, as applicable, in accordance with Issuer's policy.

When Domestic Transfers or International Transfers are sent to Recipients who are individuals (that is, person-to-person transfers), Recipients can receive the Amount of Transfer at the REMITPRO Location at the Expected Destination designated by you when you start the Transfer.

As used herein, "Expected Purpose" means:

(I) for Domestic Transfers, the area designated by you where the Recipient receives the Transfer; or (II) for International Transfers, countries or territories, as applicable, determined by you where the Recipient will receive the Transfer.

Transfer transfers generally will take place in the form of cash, send to an account, or a combination of these payment methods (respectively, "Payment Method").

Under certain circumstances, the Recipient may request or accept a Payment Method that is different from the Payment Method that you have chosen and you authorize REMITPRO to respect the recipient's selection or acceptance of the REMITPRO policy.

You will receive a reference number that matches your transfer ("Reference Number"). Ask the designated recipient to provide the Reference Number to receive the Transfer. We have the right to request and may be legally required to obtain, documentation or information that will help us identify the Recipient you designate in connection with the purchase and / or use of our Services ("ID"). In some Agent locations, Recipients may be required to provide answers to test questions, rather than IDs, to receive Transfers.

You agree to take reasonable action as necessary to ensure that these details are not disclosed to other individuals. REMITPRO's obligation to you will cease after the Transfer is disbursed to an individual who: correctly answers the test question (if applicable); provide an ID to the Agent describing the recipient appointed by you; or, provide the correct Reference Number.

Transfers are considered to be cashed by us and sent, and we have no further liability to you, except as specified below, when, as applicable (A) we have transferred the relevant amount to the Issuer, Biller or Operator, or as designated; or (B) for person-to-person transfers, actual transfers are disbursed by us or our agents to the recipient, subject to the conditions of identification of the recipient above. We will not contact the recipient to notify them when the transfer is available for collection; this is something you need to do. Collection can only be done during the agent's operational hours and is subject to local regulations and compliance requirements. Certain Expected Destinations may impose taxes, fees, and or rates on the recipient's receipt, or access to, transfers.

Special Provisions for International Transfers

In addition to the Transfer Fees applicable for Transfers, currency exchange rates can be applied for International Transfers. Certain currencies will be converted to other currencies at the exchange rate specified by REMITPRO ("Exchange Rate"). The currencies available for payment in the country to which you are sending (respectively, the "Payment Currency") as well as the Exchange Rate determined by REMITPRO for Transfers can be determined using the calculator function available through the Service when you make each Transfer. Payments will generally be made in the national currency of the Expected Destination ("Local Currency"). In some countries or regions, you can set a Payment Currency other than Local Currency. Payment Currency and Exchange Rates that will be used for your Transfers will be reflected in the disclosure before payment and Receipt. Exchange rates will be rounded to the number of decimal places that are consistent for each currency in accordance with applicable laws and regulations. Any difference in the Exchange Rate disclosed to you and the exchange rate received by REMITPRO will be kept by REMITPRO (and / or its Agents in some cases) in addition to the Transfer Fee. REMITPRO is not responsible for the currency exchange rates that will be applied if the Recipient chooses to accept in a Payment Currency other than the Payment Currency that you choose.

Your Registration Information

To allow you to use the Service, you must register for an account at REMITPRO. We can verify your identity. You authorize us to ask questions that we think are necessary to validate your identity. These questions might include your request for more information, asking you to provide your full address and / or asking you to take steps to request approval of your email address or financial instrument, order a credit report, or request information you receive for third parties or through other sources. If you do not provide this information, REMITPRO cannot prove your identity, we may refuse to allow you to use the Service.

You agree and understand that you are responsible for maintaining the confidentiality of your password, which together with your Login ID email address, allows you to access the Service. Your login ID and password, together with your mobile number or other information you provide form "Registration Information." By providing your e-mail address, you agree to receive all necessary notifications electronically, through the Service by displaying links to general notifications on the Service, to that email address. It is your responsibility to update or change the e-mail address, if necessary.

If you become aware of unauthorized use of your Registration or Account Information for the Service, you agree to notify REMITPRO immediately.

If you believe that Registration or Account Information or the device you used to access REMITPRO has been lost or stolen, that someone is using your account without your permission, you must notify REMITPRO immediately in order to minimize any loss you might receive.

Your use of the Service

Your right to access and use the Service is personal to you and cannot be transferred by you to any other person or entity. You are only entitled to access and use the Site and Services for lawful purposes. Accurate records allow REMITPRO to provide services to you.

You must provide true, accurate, current and complete information about your account managed on another website, as requested in our "add account" setup form, and you must not misrepresent your Registration and Account Information. For the Service to function effectively, you must also keep your Account Information up to date. If you do not do this, the accuracy and effectiveness of the Service will be affected. You represent that you are the legal owner, and that you are authorized to provide us, all Registration and Account Information and other information needed to facilitate your use of the Service.

Your access to and use of. Service may be interrupted from time to time due to one of several reasons, including, without limitation, equipment damage, periodic updates, maintenance or repairs of the Service or other actions that REMITPRO can take, at its sole discretion, may choose to take. In no case will REMITPRO be held liable to any party for loss, costs or damage resulting from scheduled or unscheduled downtime.

From time to time, REMITPRO may include new and / or updated pre-release features and trial use (the "Preview" feature) in the Service for your use and which allows you to provide feedback. You understand and agree that the use of the Preview feature by you is voluntary and REMITPRO is not obligated to provide you with any Preview features. Additionally, if you decide to use the Preview feature, you agree to comply with any rules or restrictions that may be carried out by REMITPRO.

Services are provided on an "as is" and "as available" basis, and your use of the Service is at your own risk. We will endeavour to notify (during normal business hours) all technical issues that arise in connection with the Service.

You acknowledge that REMITPRO may use third-party suppliers to provide hardware, software, networks, connections, storage and other technologies to provide Services. The actions and omissions of such third party suppliers may be beyond REMITPRO's control, and REMITPRO does not accept responsibility for any loss or damage suffered as a result of any actions or omissions by any third party supplier.

On behalf of oneself and any of these third parties, REMITPRO excludes all other warranties that may be implied or applicable under applicable regulations or other laws, insofar as they are permitted by law.

We do not guarantee that: (a) Services will meet your specific needs; (b) Services will be uninterrupted, fast, safe, or free from error; (c) Services will be accurate and reliable; (d) the quality of all products, services, information or other materials purchased or obtained by you through the Service will meet your expectations; or (e) any errors in the Service will be corrected.

For your convenience, REMITPRO may include links to other sites or content on the internet that are owned or operated by third parties. The linked site or content is not under our control and REMITPRO is not responsible for any errors, omissions, delays, defamation, defamation, lies, pornography, obscene content, inaccuracy, or other material contained in the content, or the consequences of accessing the website related to any of the information, content, products, or services offered by, or information contained on the sites linked to or from the Site. Given that third-party websites may have different privacy policies and / or security standards that apply to their websites, we encourage you to check the privacy policies and terms and conditions of these sites before providing any personal information.

Please note that any links to any other site or content do not constitute a form of endorsement or verification of those sites or content and you agree that the risk of accessing the linked site or content is entirely yours.

REMITPRO Intellectual Property Rights

You acknowledge that all information and data, such as site pages, site services, data files, text, computer programs, videos, audio, images, photos, animations or other material (together "Content") that you can access as part from, or through your use of, the Service and the Service itself is wholly owned by REMITPRO. You acknowledge and agree that REMITPRO has all legal rights, ownership and interests in and in the Service and Content, including any intellectual property rights in the Service and Content (whether those rights are registered or not, and in any country where the rights are those rights arise). You agree not to challenge or do anything that is not consistent with the ownership.

You grant REMITPRO, its subsidiaries, affiliates and successors to REMITPRO rights a royalty-free, irrevocable, and continuous (including for commercial use) rights to use the information and / or data obtained by REMITPRO through your use of the Service, with provided that we will aggregate or anonymize the information or data before using it.

In addition, you also provide REMITPRO, its subsidiaries, affiliates, and successors to REMITPRO rights that are valid throughout the world, non-exclusive, royalty-free, fully paid, transferable, and sublicensable to use, reproduce, change, adapt , announce, create derivative works from, distribute, carry out in public, and publicly announce your content throughout the world in any media to provide and promote the Service, as long as legislation is permitted.

Apart from these rights, REMITPRO does not claim intellectual property rights in connection with information and content that you put into service.

You acknowledge and agree that the usage rights granted to you by these Terms of Use are not a transfer or sale of REMITPRO ownership rights to the Service, Content, system, or part thereof. Apart from the usage rights of these Terms of Use, REMITPRO retains all the rights, property rights and interests (including all intellectual property rights) for the Service or its copies. You acknowledge and agree that any attempt to use the Services beyond those permitted by this license will automatically terminate the license in question, and you hereby grant REMITPRO the right to process violations based on applicable laws.

You acknowledge and agree that none of the provisions in these Terms of Use give you the right to use any REMITPRO trademark, trade name, service mark, logo or domain name in any manner intended or that could lead to misleading consumers with respect to ownership or authorized users of each trademark, trade name, service mark, logo or domain name. You are not permitted to publish or use any REMITPRO trademark, trade name, service mark or logo, except with prior written approval from REMITPRO.

You can provide us with comments, responses, or suggestions relating to the Service, and you agree that we are free to use, change, and pour these suggestions without any obligation to you.

Limitation of Liability & Compensation

You acknowledge and agree that to the extent permitted by applicable law, REMITPRO will not be liable for any direct, indirect, incidental, special, consequential, or typical damages and / or exemplary damages that may be caused or suffered by you, including but not limited to loss of profits, business, goodwill, reputation, data or other intangible losses relating to the use of the Service or the improper use of the Service.

REMITPRO will not be responsible for any damage or loss arising as a result of (a) the use or inability to use the Service (in whole or in part) or any technical damage; (b) costs for procurement of substitute goods or services; (c) restricted access to, or changes to, customer communications or data; (d) statements or actions of any third party in connection with the Service; (e) your reliance on the completeness or accuracy of the Service or any part thereof, including but not limited to, any mathematical error or numerical number associated with any financial transaction provided in the Service; (f) any changes REMITPRO might make to the Service, or any permanent or temporary termination of the Service; (g) deletion, corruption or failure to store any content and other communication data maintained or transmitted by or through your use of the Service; (h) your failure to provide accurate account information to REMITPRO; or (i) any other issues related to the Service.

You must release REMITPRO and its officers, directors, shareholders and employees, from and against all claims, claims, processes, losses, obligations and costs, whether in a lawsuit, contract, or otherwise, arising from or related to, including but not limited to attorneys' fees, in whole or in part arising out of or caused by violation of this Agreement or any activity by you in connection with the Site or your use of the Service.

In any case, you acknowledge and agree that the maximum responsibility of REMITPRO in connection with the Terms of Use or use of the Service by the Customer is limited to the total cost of using the Service paid by the Customer in the past 1 (one) month.

Law and Forum Governing Disputes

You agree that: (i) Services will be provided from Indonesia; (ii) Indonesian law applies to these Terms of Use, including any contractual or non-contractual issues or disputes arising out of or in connection with these Terms of Use, your access and use of the Service, and the relationship between REMITPRO and you; and (iii) any conflict arising out of or in connection with the Service or conflict between REMITPRO and you in connection with the Service will be submitted and resolved first through deliberation to reach consensus within 30 (thirty) days from receipt of notification of conflict. State Law The Republic of Indonesia governs.