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Terms of Service

Thank you for visiting IDNFinancials.com. By accessing and using IDNFinancials.com and any other electronic services from IDNFinancials.com (the "Services"), you are agreeing to be legally bound by these Terms of Service.

  1. GENERAL.
    1. IDNFinancials.com, which is wholly owned by PT AP&M Indonesia, may change these Terms of Service from time to time. The changes will appear in these Terms of Service, so be sure to check back periodically. Your use of the Services after any changes have been posted will constitute your agreement to the modified Terms of Service and all of the changes.
    2. You understand and agree that we may discontinue or change the Services at any time, without notice. You also understand and agree that we may discontinue or restrict your use of the Services for any reason without notice.
  2. COPYRIGHT AND LIMITATIONS ON USE.
    1. The content displayed on the Services, including the selection, arrangement and design of the content of the Services ("Content") is the property of PT AP&M Indonesia or its licensors, and is protected by copyright and other intellectual property laws. The Services and the Content may be used only for your personal and non-commercial use and may not be edited or modified for any purpose. In addition, use of any of our trademarks as metatags on other Services is prohibited and you may not display the Services in frames. You agree to include the phrase "Used with permission from IDNFinancials.com, a service of PT AP&M Indonesia" when you display or otherwise use the Content. All rights not expressly granted herein are hereby reserved. You may not use the Services for any unlawful purpose.
    2. The Services includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. PT AP&M Indonesia and its licensors are not giving investment advice, tax advice, legal advice or other professional advice. PT AP&M Indonesia and its licensors do not guarantee or warrant the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions and recommendations. You should always seek the assistance of a professional for advice on investments, tax, the law or other professional matters.
  3. DISCLAIMER OF WARRANTIES AND LIABILITY.
    1. DUE TO THE NUMBER OF SOURCES FROM WHICH THE CONTENT IS OBTAINED, AND THE INHERENT HAZARDS OF ELECTRONIC DISTRIBUTION, THERE MAY BE DELAYS, OMISSIONS OR INACCURACIES IN SUCH CONTENT AND THE SERVICES.
    2. THE CONTENT AND THE SERVICES ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES. PT AP&M INDONESIA AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, NONINFRINGEMENT, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT AVAILABLE THROUGH THE SERVICES, OR THE SERVICES THEMSELVES, AND PT AP&M INDONESIA HEREBY DISCLAIMS ANY SUCH EXPRESS OR IMPLIED WARRANTIES. NEITHER PT AP&M INDONESIA NOR ANY OF ITS AFFILIATES, AGENTS OR LICENSORS WILL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY, OTHER THAN DEATH OR PERSONAL INJURY RESULTING DIRECTLY FROM USE OF THE SERVICES, CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THE SERVICES AND ANY CONTENT AVAILABLE THROUGH THE SERVICES.
    3. IN NO EVENT WILL PT AP&M INDONESIA, ITS AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH CONTENT OR THE SERVICES.
    4. PT AP&M INDONESIA AND ITS AFFILIATES, AGENTS AND LICENSORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT OR SIMILAR DAMAGES), OTHER THAN DIRECT DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR DAMAGES OR THE EXCLUSION OF CERTAIN TYPES OF WARRANTIES, PARTS OR ALL OF THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
  4. LINKS TO THIRD PARTY SITES.
    1. The Services may contain hyperlinks to web sites, products or services operated by persons other than PT AP&M Indonesia Such hyperlinks are provided for your reference and convenience only.
    2. You agree not to hold PT AP&M Indonesia responsible for the content or operation of such web sites, products or services. A hyperlink from the Services to another web site, product or service does not imply or mean that PT AP&M Indonesia endorses the content on that web site, product or service or the operator or operations thereof.
    3. You are solely responsible for determining the extent to which you may use any content at any other web site, product or service to which you might link from the Services.
  5. DOWNLOADABLE MOBILE PRODUCTS.
    1. If you have downloaded a mobile application to access one of the Services, the applicable End User License Agreement for the mobile service through which you downloaded the mobile application may apply to your use of the mobile application to the extent not otherwise inconsistent with these Terms of Service.
  6. COMMENTS.
    1. Certain areas of the Services enable you to post comments ("Comments"). Comments are provided free to users of the Services and may be terminated at any time without notice. By posting Comments, you agree to be bound by the following terms and conditions.
    2. If you do not want to be bound by these terms, then do not make Comments.
    3. PT AP&M Indonesia has the right to refuse to post or remove, edit or abridge any posting for any reason and to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, all in PT AP&M Indonesia sole discretion.
    4. You agree to be fully responsible for your own postings and agree to make comments at your own risk on an as-is basis.
    5. Although we do not have any obligation to monitor these Comments, we reserve the right at all times to delete any content that is unlawful, libelous, defamatory, vulgar, pornographic, abusive, indecent or otherwise objectionable to us in our sole discretion and to disclose any information necessary to satisfy the law, regulation or government request.
    6. We also reserve the right to permanently ban any user who violates these terms and conditions.
    7. You agree to indemnify and hold PT AP&M Indonesia and its affiliates and their respective, officers, directors and employees harmless from any claims, damages, losses or costs (including reasonable attorney's fees) that arise out of any of your postings and any material contained therein, including, without limitation, any material posted or otherwise provided by you that infringes any copyright, trademark, intellectual property right of any person or defames any person or violates any person's rights of publicity or privacy.
    8. What to do if you believe a posting violates your copyright: In the event that you have a claim of copyright infringement based on material posted, we encourage you to contact info@idnfinancials.com.
    9. PT AP&M Indonesia cannot guarantee that any action will be taken as a result of your correspondence.
  7. POLICY MODIFICATIONS.
    1. When we make any material change to this Terms of Service, we will inform you by posting a notice on the home page of the applicable Service that the policy has been updated and by changing the date on this page noting when the policy was last updated. This policy was lasted updated on September 18, 2017.