Privacy Notice

Last updated 08 August 2023

PT Bank Tabungan Negara Tbk (Persero) ("BTN") is fully aware that personal data is the most important asset for you, so BTN really respects the confidentiality and protection of your personal data related to the use of BTN banking products and/or services.

Your security, comfort and privacy are priorities for BTN. BTN implements policies and best practices that aim to protect and maintain the privacy and security of your personal data, in accordance with Personal Data Protection regulations, for data processing related to the use of BTN banking products and/or services ("Privacy Policy")

BTN always improves our services to you and continually updates services in order to protect the privacy and security of your personal data as our customer.

Objectives and Scope

This Privacy Policy regulates the policies and practices implemented by BTN in obtaining, correcting, updating, distributing, displaying, announcing, transferring, disclosing , delete and destroy (hereinafter referred to as "Processing") your personal data in connection with the use of your product services with the use of BTN products and/or banking services, including:
- Banking services from BTN include savings, loans and other banking services including but not limited to investment products, credit cards, internet banking and other BTN banking services.
- Websites, features, applications, social media, or other forms of communication media provided or used by BTN. (all of which are then called the "Services")
- Furthermore, this Privacy Policy applies to all owners of Personal data (Data Subjects), which are related to the use of BTN banking products and/or services. (all of which are then referred to as "you")
Purpose of Processing Personal Data

In processing your personal data, BTN has the following objectives:
- To implement the Know Your Customer (KYC) principle and provide you with personalization regarding the use of the Services provided by BTN;
- To carry out the mandate of statutory regulations;
- To carry out troubleshooting problems related to access to the Service (troubleshoot);
- For marketing needs of services and products offered by BTN, this includes sending promotions, new products, news, surveys, updates related to services;
- To evaluate and update BTN Service features from time to time;
- For the purposes of processing Personal Data to produce your profile data;
- For the purposes of loyalty programs for you such as gifts, raffles, and so on; and
- To offer advertising/promotions or offers from other parties collaborating with BTN
Personal Data Obtained and Collected by BTN

BTN obtains and collects information that identifies and/or can be identified individually or in combination with other information either directly or indirectly through electronic and/or non-electronic systems related to information which in this case is limited to the Services ("Personal Data")

Your Personal Data collected by BTN may be provided by you directly or from third parties (such as when you register or use the Service, when you contact BTN Call customer service) . BTN will collect your Personal Data in various forms for purposes, including those permitted by applicable laws and regulations in the Republic of Indonesia.

Your Personal Data collected in providing this Service is:

A. Personal Data required by BTN to provide Services, includes Personal Data of a general and specific nature, as follows:

General Data :
- Full name;
- Residential address;
- Place and Date of Birth;
- Gender;
- Citizenship;
- Maiden Name of Birth Mother;
- Religion;
- Job;
- Education;
- Position;
- Citizen Identification Number / Passport / Child Parent Card / Student Card;
- Mobile number;
- Email Address;
- Work/home telephone number; and/or
- Personal Data combined to identify an individual.
Special Data :
- Biometric data that allows unique identification of individuals but is not limited to facial images, fingerprints, speaker recordings;
- Personal financial data, but not limited to such as Income and Taxpayer Number; and/or;
- Other data is in accordance with the provisions of applicable laws and regulations.
In addition, as long as other information, including personal profiles and/or identification, is associated or incorporated into Personal Data, then that information is also Personal Data. You have the option to provide additional Personal Data to BTN for account personalization needs beyond those mentioned above.

B. Browsing data is information collected when you use the Services provided by BTN. Information relating to your Personal Data includes but is not limited to:
- Search data, browsing history (including recorded date and time);
- Your relationships or preferences collected from your use of the Services;
- Photos, voices, contacts, call lists or other interactions within the Service that you are permitted to access via the device you own. BTN never scans or takes photos in albums and/or cameras on your device.
C. Personal Data created and obtained from the use of BTN services, including but not limited to:
- Technical processed data, such as mobile positioning, location assessment, and advanced profiling an;
- Information about data obtained from your banking service usage activities that you access, such as bill payments or your profiling and segmentation;
D. Personal Data from the BTN Business Group and/or other third parties participating in partnership with BTN or entering into collaboration with BTN.
Personal Data Disclosure

BTN will not sell, exchange, display, publish, transfer, distribute and/or disclose any Personal Data and information relating to customers, visitors or use of BTN Services

You are responsible for maintaining the confidentiality of your Personal Data details and must always maintain and be responsible for the security of the device you use to access BTN Services.

The Customer hereby acknowledges, and if required by applicable Personal Data Protection regulations, expressly agrees that the Personal Data obtained and collected by BTN together with information related to relevant transactions may be disclosed to authorized government agencies, or other authorized parties based on law or cooperation agreements, in the case of:
- For applicable legal purposes and/or to handle ongoing legal processes;
- To protect BTN's safety, your safety or the safety of others or for legitimate interests in the context of:
  - National security;
  - Law enforcement process;
  - State administration;
  - Interest in supervising the financial services sector, monetary, payment systems and financial system stability;
  - Aggregate data whose processing is intended for statistical purposes and scientific research in the context of state administration; and/or
  - A state of emergency that has been declared by the Government.
- For the purposes of internal audits and/or digital forensics regarding criminal acts or violations of regulations or policies within BTN and Affiliated Companies;
- If necessary in connection with legal proceedings filed against BTN, its officers, employees, affiliates or related vendors;
- To determine, implement, protect, defend and enforce BTN's legal rights;
- In the context of processing personal data with BTN affiliated companies, BTN will only provide it in good faith in summary form on the basis of legitimate interests in the eyes of the law. In the event that BTN processes Personal Data that reveals your personal profile, BTN will make its best efforts to protect the privacy of your Personal Data, which is carried out after signing a confidentiality agreement, or additional agreement by providing notification to you before your Personal Data is disclosed to affiliates. BTN and subject to your Privacy Policy are disclosed to BTN affiliates and are subject to the Privacy Policy and applicable laws and regulations, so as to ensure the confidentiality of your Personal Data;
To disclose your Personal Data to third parties, in order to ensure that BTN can provide Services to you and assist the Indonesian Government and its supporting institutions in carrying out State functions.

This disclosure is carried out by considering security aspects so as to ensure that during the disclosure process no data is misused.
Personal Data Keeping

BTN is committed to storing your Personal Data with the best protection for as long as necessary to provide this Service. Some of your Personal Data may also be managed, processed and stored by third parties who collaborate with BTN both in the territory of Indonesia and outside the territory of the Republic of Indonesia in order to maintain the performance of the Service while complying with obligations regarding access and effective supervision in accordance with applicable law.
BTN will retain Personal Data as stated above as long as it is necessary to achieve the purpose for which the Personal Data was collected, while you are still using the Service, or as long as such storage is required or permitted in accordance with BTN's data retention policy and applicable laws and regulations in the Republic of Indonesia.

BTN can transfer Personal Data outside the Territory of the Republic of Indonesia as long as this is necessary for the implementation of Banking Services to customers (for example: remittance services, issuance of foreign trade financing instruments, and others).

BTN will cease to store your Personal Data, or eliminate the means by which your Personal Data could be associated with you, as soon as it is reasonable to assume that the purpose for which the Data was collected Such personal data is no longer fulfilled by storing the relevant Personal Data and storage is no longer required for legal and business purposes.
Access to Personal Data

BTN is committed to fulfilling your right to access your Personal Data collected and processed by BTN. In fulfilling your request for access to your personal data, BTN may refuse your request if BTN finds that the request for your Personal Data meets one or more of the following conditions;
- Harms the security or physical health or mental health of the Personal Data Owner and/or other people;
- Impact the disclosure of other people's Personal Data; and/or;
- Contradicts the interests of national defense and security.
For further information regarding requests to access your personal data, you can contact the communication channels available under this Privacy Policy.
Personal Data Repair and Update

In the event that you find errors displayed regarding your personal data due to inaccuracies or updating of your Personal Data is required, then you can ask BTN to correct, complete and/or update your Personal Data You are under the management of BTN, by contacting the communication channels available under this Privacy Policy. In the event that there are inaccuracies in providing personal data from the Data Subject, BTN has the right to terminate the service and/or transaction based on the Bank's knowledge and consideration.

We urge you to take an active role in ensuring the accuracy and updating of your Personal Data from time to time.
Erasure of Personal Data

In accordance with applicable laws and regulations or BTN's data retention policy or at your request/request, BTN can delete and/or destroy your Personal Data from the system (right to erase) so that the data no longer identifies you, except in the case of:
- If it is necessary to store Personal Data to fulfill legal obligations, future proof, tax, audit and accounting purposes, BTN will submit the Personal Data required as long as you use BTN's services or according to the time period required by statutory regulations applicable; and/or
- Personal Data in Personal Data is still within the retention period based on applicable laws and regulations.
Regarding the need to destroy your personal data from the system (right to erase), a written request is required to be submitted by you to the BTN Head Office so that we can destroy the Personal Data in the system. BTN.
Personal Data Security

BTN is committed to implementing its best efforts to protect and secure your Personal Data from access to collection, processing, analysis, storage, disclosure, correction and deletion by unauthorized parties.

In the event of illegal access and activities regarding the confidentiality of your Personal Information which are beyond BTN's control, BTN will immediately notify you at the first opportunity so that you can reduce the risks that arise about this.

You are responsible for maintaining the confidentiality of your detailed Personal Data, including information regarding username, password, email or OTP to anyone and for always maintaining and being responsible for the security of the device you use. use.
Acknowledgment and Consent

This Privacy Policy may be changed and/or updated from time to time. BTN advises you to always read carefully and check this page from time to time for any changes it may cause.

You can withdraw your consent to any or all collection, use, disclosure of your Personal Data at any time by providing reasonable written notice to the contact listed below.

Depending on the circumstances and nature of the consent you are withdrawing, you must understand and acknowledge that BTN has the authority to fulfill or not fulfill the request for withdrawal of consent, then you will no longer be able to using the Services. Withdrawal of consent by you may result in termination of your account or your contractual relationship with the relevant BTN, where all rights and obligations of each party are still fully protected.
Your Rights

We think carefully about how we use your information. We always aim to use them in a way that is fair to you. You may prefer that we not use it for some purposes. You have the legal right to:
- Ask us to provide a copy of your personal information, make corrections or sometimes ask us to delete it.
- Object to our processing of your information in some circumstances. For example, ask us not to share your personal information for online advertising.
- We may not always be able to stop processing your information, such as if we are using it to help protect you or others.
Services Settings

You can choose not to receive marketing services, advertising or other activities related to the processing of Personal Data above by contacting BTN via the contact details provided below this notice or through other mechanisms prepared by each of our Services. Please note, if you choose not to receive one Service, BTN still has the right to send you messages regarding BTN services, for other Services you use.
Language

This Privacy Policy has been prepared and published in English and Indonesian. You may find a different language for this privacy policy when you change the language settings on the BTN Mobile website or application. If there is a discrepancy between these two languages, the Indonesian version applies.
Social Media

BTN uses social media to:
- Connect with you
- Share information about BTN products and services
- Sometimes this involves use of your data
Social media platforms allow you to choose which ads to accept. Please contact the relevant party for further information.
Social Media

BTN uses social media to:
- Connect with you
- Share information about BTN products and services
- Sometimes this involves use of your data
Social media platforms allow you to choose which ads to accept. Please contact the relevant party for further information.
Security

The following are the policies and practices carried out by PT Bank Tabungan Negara Tbk (Persero) ("BTN") to show BTN's commitment to safeguarding and maintaining your security when you visit the site and www.btn.co.id.
Security System

BTN uses 2 (two) layers of security system to protect your access and transactions at www.btn.co.id, namely:
- a. Secure Socket Layer ("SSL")
  SSL is a security technology that 'scrambles' the path between computers so that it cannot be read by other parties.
- b. User ID and password for the site administrator www.btni.co.id Due to the large variety of internet browsers that exist, it is difficult to provide services that adhere to the security of each browser. Currently BTN only provides www.btn.co.id which is more suitable for access using Microsoft Internet Explorer version 10 and above, Mozilla Firefox version 2.0.0 and above or Safari version 4.0.3 and above. BTN apologizes for this inconvenience.
Site Communication Protection www.btn.co.id

BTN uses 256 bit Secure Socket Layer (SSL) encryption technology to protect communications between your computer and the BTN server while you access www.btn.co.id
- Check SSL certificates regularly to ensure that you are receiving a valid SSL certificate that has been registered for https://www.btn.co.id
- If you receive a message explaining that the certificate is invalid, please do not continue accessing www.btn.co.id.< i="" />
- Make sure that you have typed the correct address, namely https://ww.btn.co.id
- Make sure that your browser has a padlock/key image that identifies what you are accessing when encrypted using SSL. If you exchange personal information data.
- You should not access a network that is not secure.
BTN Site

On the BTN site, BTN provides URL links to other sites that are not controlled by BTN. BTN is not responsible for the content and security of these sites. If you access such sites, please check their privacy and security policies.

In the event that you access the site via a URL link from another site, ensure that the correct address you are accessing is https ://ww.btn.co.id

BTN can change this privacy policy and security information at any time to adapt to the latest situations and technology. You can always review BTN's latest information and privacy policy at https://ww.btn.co.id

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