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 andAgreement;
- 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 PTEastern 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 byUsers.
- 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 EasternTransglobal 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 consisting of 365 or 366 days, corresponding to leap years, which is used to calculate time periods and terms in this document.
All other terms and phrases used in this document have the same meanings as described in the appropriate context.
Use of Services
- Account Registration and Verification:
- Clients must register to use the services provided by Brick.
- Entire required documents submitted by the Client must be accurate, complete and valid in accordance with applicable provisions.
- Brick has the right to perform KYB on data submitted by the Client. If there are inaccuracies or discrepancies in the data, Brick has the right to refuse registration or take other appropriate action.
- One Entity, One Account:
Each entity or Client is permitted to have only one account with Brick. Clients should not attemptto register with multiple accounts.
- Account Responsibility:
- Client is solely responsible for the use and security of their accounts.
- Client is required to maintain the confidentiality of their account information, including passwords and other account-related information.
- If Client suspects any misuse of their account, they must immediately notify Brick and take the necessary steps.
- Account Management:
- Client have the right to appoint an account manager to manage their account.
- However, the Client remains fully responsible for their account and every transaction carried out by the account manager is considered a valid order from the Client.
- The client releases Brick from all responsibilities, demands, demands, orders, compensation, claims, expenses, damages, obligation to pay fees, and/or lawsuits that may arise due to account misuse caused by negligence, error, or misuse by the account manager.
- Suspension of Service
Brick has the right to suspend or freeze the Client's account partially or fully if a violation ofthese terms and conditions is found, or if required by applicable law or regulation.
General Terms of Fund Transfer Services
- Amount According to Fund Transfer Order:
The amount of funds to be transferred will be in accordance with the Funds Transfer Order submitted by the Client. Brick will make the transfer according to the instructions given by the Client. - Deadline for Executing a Transfer Order:
Brick has the right to cancel the Fund Transfer Order if the Client does not carry out the transfer order within the specified time. This deadline will be set by Brick and communicated to the Client. - Collaboration with Partner:
- Clients understand that processing of funds transfer transactions by Brick may involve partners, including banks or other financial institutions
- Due to the partner's involvement in transaction processing, the Client releases Brick from responsibility for compensation, claims, expenses, damages, obligation to pay fees, lawsuits, and/or demands that may arise as a result of errors, omissions, or delays in transaction processing caused by Partner. However, Brick will do its best to facilitate communication between Client and Partner to resolve any issues that may arise
- Transaction Processing Time:
The transaction processing time by Brick may depend on the specified Service Level Agreement(SLA). Clients may refer to the SLA available on the link provided by Brick to understand more about the applicable processing times. - Transaction Cancellation:
Any fund transfer transaction request that has been received by Brick cannot be cancelled, except in the following situations:
- A transaction failure occurred that could not be completed.
- Brick has not received funds from the Client.
- There are allegations and/or indications of suspicious transactions that require further review in accordance with applicable laws and regulations.
Effective Time and Termination of Agreement
- The Parties can make an Agreement to regulate cooperation in more detail. The AgreementPeriod is valid for a period of 1 (one) year from the effective date of the Agreement ("Initial Validity Period"). The Parties agree that this Agreement will be automatically extended every 1 (one) subsequent year, unless one party provides written notification to the other party at least30 (thirty) days before the end of the Initial Term. The provisions in this Article may change according to the agreement of the Parties.
- The agreement can be terminated by written notification from one party to the other party. Expiry notice must be given at least 30 (thirty) days before the end date of the Initial Term or subsequent extension.
- After the end of the Agreement, both parties will remain bound by the provisions which by their nature are required to remain in effect after the end of the Agreement, including but not limited to confidentiality obligations and applicable legal provisions. Both parties will respect and comply with the terms and conditions as stipulated in this Agreement.
- The agreement may be terminated by either party without notice if one of the following conditions is met:
- One of the Parties stops his business or admits/is declared bankrupt or unable to pay his debts.
- The business license of one of the Parties is revoked by the competent authority.
- The Client provides incorrect data or misuses the Platform.
- The Client carries out prohibited business as stipulated in the terms of the Agreement.
- The termination or termination of the Agreement (i) does not release or eliminate the rights and obligations of the Parties that existed before the termination or termination of the Agreement, so that the obligations must be fulfilled immediately within a period of no later than 14(fourteen) Calendar Days after the date the effective termination or termination of theAgreement, and (ii) does not affect the rights and obligations of the Parties that are expressly stipulated to apply or remain in effect after the termination or termination of the Agreement.
Payment method
- Brick clients can pay service fees using one of the following two methods
- Metode Invoicing:
- The Client will receive an invoice stating the amount of the service fee payable
- The Client will have a certain time limit to pay the invoice according to the terms stated in the invoice.
- Payment can be made via bank transfer or other payment method agreed between Brick and the Client.
- Auto-Deduction:
- The Client can select the Auto-Deduction option which allows Brick to immediately deduct service fees from the Client's user account on every transaction the Client makes.
- Late payment:
- If the Client fails to pay service fees in accordance with applicable provisions, Brick has the right to take necessary action, including but not limited to temporary suspension of services or legal action in accordance with applicable law.
- The rate of late fines is zero point thirteen percent (0.13%) per day of the outstanding balance per month.
- Penalties will be calculated and added at the end of each month, starting from the due date to the actual payment date.
- Payment Method Change:
- Clients can submit requests to change payment methods to Brick in accordance with applicable regulations
- Changes in payment methods will require written approval and agreement between Brick and the Client.
- Tax obligations
Tax obligations are the responsibility of each party in accordance with applicable tax laws andregulations. If there are special provisions related to tax in the Agreement or other Terms andConditions, these provisions will be regulated in the Agreement in more detail.
These Brick Service Payment Terms apply as a guide for Clients and Brick in arranging payment of service fees.
Reconciliation
- In the event that there are differences in transaction data between Brick's records and the Client's records related to the use of the Brick Platform for fund transfers, the records owned by Brick will be used as a reference, unless the Client can provide convincing evidence that there is an error in Brick's records.
- Clients are obliged to provide concrete and verified evidence of disputed transaction data discrepancies within a reasonable time after the discrepancies are detected.
- After receiving sufficient evidence from the Client, Brick will conduct an investigation regarding the transaction data discrepancies and will try to resolve the discrepancies within a reasonable period of time.
- Brick's decision regarding discrepancies in transaction data is final and binding on the Client, unless there is strong and valid evidence showing that the error lies in Brick's records.
Prohibitions
The following is a list of prohibitions which include various actions and types of business that are prohibited in the use of the Platform aimed at Clients, in accordance with the clauses that have been provided:
- Prohibition of Prohibited Actions Against Electronic Information and Electronic Documents
- Interception or Interception: Client is prohibited from intentionally and without right or unlawfully interception or wiretapping electronic information transmissions and/or electronic documents belonging to other Clients, Fund Recipients, or Brick.
- Information Manipulation: Client is prohibited from intentionally and without right or against the law changing, adding, reducing, transmitting, destroying, deleting, moving or hiding electronic information and/or electronic documents listed on the Platform, whether private or public.
- Interruption of Access: Client is prohibited from intentionally and without rights or unlawfully carrying out actions that result in disruption of access to the Platform.
- Prohibitions on Use and Distribution of the Platform
- Unauthorized Copying and Distribution: Client is prohibited from intentionally and unlawfully sublicensing, producing, selling, holding for use by other parties, distributing, providing, or claiming ownership of the Platform, Services, Features, Materials, or other intellectual property rights Brick's.
- Changes to the Platform: Client is prohibited from intentionally and without right or unlawfully manipulating, changing, removing or destroying part or all of the Platform.
- Prohibition on Using the Platform for Illegal Activities
- Illegal Transactions: Clients are prohibited from utilizing the Platform, Services and/or Features to carry out Transactions that contain elements of fraud or violate third party rights and violate the provisions of Applicable Laws and Regulations.
- Prohibition of Unethical and Destructive Use
- Unethical Use: Client is prohibited from using programs or performing actions that can access, search for, or obtain information to which the Client is not entitled from the Platform.
- Disruption to the Server: Clients are prohibited from disrupting the continuity of or damaging the server or network connected to the Platform or ignoring standard procedures, rules or legislation that applies to internet connections.
- Prohibition of Unauthorized Access
- Unauthorized Access: Client is prohibited from attempting to access parts of the Platform that Clients do not have the right to access.
- Prohibition on Actions Against Brick's Reputation
- Damaging Reputation: Clients are prohibited from taking any action, including in or through the Platform, that could damage or harm Brick's reputation.
- Prohibited Types of Business
- Prohibited Business: Clients are not permitted to carry out business activities in the areas of:
- Manufacture and trade of sharp weapons or those related to defense
- Manufacture and trade in counterfeit or pirated goods.
- Trade in precious metals, stones and jewellery.
- Illegal activity
- Manufacture and trade in psychotropics and/or other types of narcotics.
- Private security companies, private military contractors.
- Prostitution and/or Pornography
- Providing online lottery or gambling; mail-order lotteries, and sweepstakes
- and/or other businesses based on the considerations of regulators or partners.
Violation of this prohibition may result in legal action and account termination. Clients are expected tocomply with all prohibitions and conditions mentioned above.
Intellectual property rights
- All intellectual property rights related to the Brick Platform, including but not limited to copyrights, trademarks, patents and designs, are fully owned by Brick or its Affiliates and/or third party entities that grant permission to Brick to use them.
- The Client acknowledges and agrees that no ownership rights are granted or transferred to the Client in terms of intellectual property rights related to the Brick Platform.
- Clients are prohibited from:
- Replicate, distribute, or copy all or part of the Brick Platform, including source code, designs, interfaces, and other elements without Brick's written permission.
- Use any Brick trademark or brand name without prior written permission.
- Using the Brick Platform for activities that violate third party intellectual property rights, such as copyright infringement or trademark infringement.
- Brick grants to the Client a limited, non-exclusive, non-transferable, revocable license to use the Brick Platform only within the framework of the uses permitted in these Terms and Conditions. This license does not grant Client the right to reproduce, distribute or copy the Brick Platform.
- The Client grants Brick a limited and non-exclusive right to use the Client's trademark or brand name, for promotional, marketing or publicity purposes related to the Brick Platform services. Brick's use of the Client's brand will always be done in good faith and without damaging the reputation of the Client's brand. The right to use the Client's brand by Brick applies during the collaboration between the Client and Brick in the context of using the Brick Platform services
- Brick respects the intellectual property rights of third parties and is committed to taking appropriate action if there is a violation of intellectual property rights involving the Brick Platform. If Client has reason to believe that its intellectual property rights have been violated through use of the Brick Platform, Client must immediately notify Brick and provide sufficient information to investigate the claim.
Force Majeure
- Definition
In the context of these Terms and Conditions, "Force Majeure" refers to events or circumstances beyond Brick's control and cannot be avoided or overcome by reasonable action and in accordance with applicable industry standards. - Person responsible
Brick shall not be liable for any delay, failure or impossibility to perform any obligation or transaction resulting from an event of Force Majeure. - Force Majeure Event
Some examples of events or circumstances that can be considered Force Majeure include, but are not limited to:
- Natural disasters such as earthquakes, hurricanes, floods and large fires.
- Wars, terrorist acts, riots and armed conflicts.
- Government actions that prohibit or restrict activities relevant to Brick Platform services.
- Serious disruption to communications infrastructure or networks.
- Actions or omissions of third parties that impact Brick Platform services.
- Another event that is widely recognized as a State of Emergency
- Announcements and Actions
- When a Force Majeure event occurs that prevents or disrupts the implementation of the Brick Platform services, Brick will provide immediate notification to the Client of the situation and the measures being taken to address its impact.
- Brick will make every effort to overcome the impact of a Force Majeure event and resume service as soon as conditions permit
- Client Obligation
- In the event of a Force Majeure Event, the Client is expected to understand that delays or impossibilities in the performance of services are unavoidable and cannot be the basis of any claim or demand against Brick.
- Additional Terms
- These Terms and Conditions do not reduce or limit Brick's right to take action in accordance with applicable law in Force Majeure situations.
- In all cases, Brick will use its best 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 tha tmay 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.
