1. Account Terms

1.1 To use our Services, you will need a device meeting system requirements and compatibility for the relevant Service, functional Internet access, and compatible software.

1.2 To access and use the Services, you must register for a SWIFT Hub and SWIFT Omnichannel account (each, an “Account”). To complete registration, you must provide your full legal name, government ID (KTP/NPWP), business address, active phone number, valid email address (for billing and invoicing), and any other requested information. SWIFT Hub and SIRCLO SWIFT may decline or terminate your Account at our sole discretion.

1.3 To use the Services available through SWIFT Hub and SIRCLO SWIFT, you must comply with applicable age requirements. If you are considered a minor under your country’s laws, you must obtain parental or guardian consent to use the Services and to accept these Terms. Family members or guardians must also comply with applicable age restrictions.

1.4 You must maintain the confidentiality of your Account credentials and not share them. You may not collect or harvest any personal data from users of our Service Sites or other Service users, including account names.

1.5 You acknowledge that we will use the email address provided at registration (or subsequently updated) as our primary means of communication (“Primary Email Address”). You must monitor this account and ensure it is capable of sending and receiving messages. Communication is only considered authenticated if sent from this Primary Email Address.

1.6 Our Privacy and Data Confidentiality Policy describes how we handle your personal data and protect your privacy. We may share your personal information (e.g., name, email address) with Support Service Providers—third parties who assist in processing transactions or fulfilling our obligations to you.

1.7 You understand that any customization relating to the Services will be pursuant to proposals or other documents provided to you.

1.8 You agree not to reproduce, duplicate, copy, resell, or exploit any part of the Services without our express written consent.

1.9 You agree not to circumvent any technical restrictions within the Services, including by processing orders outside the Services, using tools to enable disabled features, or by reverse-engineering or decompiling the Services.

1.10 You agree not to access or monitor our Services using robots, spiders, scrapers, or other automated means.

1.11 You understand that Your Materials may be transmitted unencrypted and may (a) pass through various networks and (b) be altered to comply with technical network requirements. “Materials” refers to your trademarks, copyrighted content, product or Service information, and any files or data provided by you or your affiliates via the Services.

You are responsible for your Account, the Materials you upload to SWIFT Hub, and the operation of your SWIFT Hub Store. If you breach the Terms, we may terminate your access. We will contact you via your Primary Email.

2. Account Activation

2.1 Store Owner Account
The person who registers for the Services by creating an Account becomes the contracting party (“Store Owner”) under these Terms. You are responsible for maintaining an active subscription and ensuring the Store Owner’s name (or business name, if applicable) is clearly displayed on the Store’s website.

If you register on behalf of a company, that company is the Store Owner. You must use a company-issued email and represent that you are authorized to bind the company to these Terms.

2.2 Store Admin Account
Store Admins are accounts created by or on behalf of the Store Owner to access the SWIFT Hub dashboard and support store operations. Both Store Owner and Admin are fully responsible for permissions granted and any related risks.

2.3 Domain Name
Domain registration purchased via our Services will renew automatically annually under applicable Payment Terms. You are fully responsible for disabling auto-renewal if desired.

3. Our Rights

We reserve the right to:

3.1 Remove or disable any Content uploaded to the Services, including if such content or your offerings violate these Terms or applicable law.

3.2 Block access to any hosted Site deemed inappropriate under our policies.

3.3 Audit any account for excessive bandwidth usage and suspend Services to accounts exceeding limits.

3.4 Terminate any Account for non‑payment, fraudulent Account or payment information.

3.5 Terminate any Account if the associated Site is subject to legitimate or threatened legal action.

3.6 Terminate any Account engaged in unsolicited commercial email (spam), hacking, virus distribution, or other harmful activities.

3.7 Suspend Services temporarily at any time without liability.

3.8 Request documentation (e.g., business license, government-issued ID, credit card proof, employment verification) when account ownership is disputed.

3.9 Determine proper account ownership and transfer Accounts accordingly. If undisputed ownership cannot be established, we may suspend the Account until resolution.

3.10 Temporarily suspend Services for technical reasons or maintenance.

4. Your Rights & Obligations

4.1 The content from our Site is for your personal use—to view, store, print, or email. You are granted a limited, revocable, non‑exclusive right to hyperlink to our Services’ homepage, provided it does not misrepresent us. You must not use our logos or trademarks without express written permission. You agree not to reproduce, modify, distribute, decompile, or reverse engineer any part of the Site. You also agree not to:

• Gain unauthorized access to the Site or related systems;

• Impersonate any person or entity;

• Unduly burden the infrastructure;

• Violate applicable laws or regulations.

4.2 Termination for Breach of License
If you violate any license terms, your rights under this license terminate immediately, and we may revoke your access without refund.

4.3 Restrictions

You shall not:

a) Publicly perform or display any portion of the Services unless legally permitted or explicitly authorized.
b) Sell, rent, broadcast, sublicense, or transfer the Services to third parties except as expressly allowed.
c) Use stream-ripping or capture technology with the Site.
d) Share or multiple-occupy access except as expressly allowed.
e) Attempt to bypass or disable security features.
f) Remove watermarks, legal notices, or alter ownership indications.

4.4 Service Removal or Unavailability
Subject to these Terms, purchased or installed Services are available for the period selected or until we retain rights. We may remove or disable Services due to loss of rights, discontinuation, security issues, or breach of Terms, and you may be notified if possible.

5. Intellectual Property

5.1 The Services are provided as Software-as-a-Service (“SaaS”), delivered via cloud-based software over the Internet.

5.2 All intellectual property rights, including patents, copyrights, trademarks, trade secrets, and proprietary rights to the SaaS Services (and any enhancements or derivative works) are exclusively owned by PT. Lingkar Niaga Solusindo, operator of SWIFT Hub and SIRCLO SWIFT.

5.3 We grant you a non-exclusive, non-transferable license to use the SaaS Services solely to perform the Services during your subscription term.

5.4 You shall not reverse engineer, decompile, disassemble, or attempt to discover the source code or underlying algorithms of the SaaS.

5.5 You acknowledge the SaaS (including software, documentation, and related materials) contain valuable trade secrets and confidential information. You agree to maintain confidentiality and not disclose or use them except as permitted under these Terms.

5.6 If you become aware of any unauthorized use or IP infringement, you must notify us and reasonably assist in any investigation or legal action.

6. Third‑Party IP

6.1 The Services may incorporate third-party software, libraries, modules, or components (“Third‑Party Components”). We will make reasonable efforts to identify these components upon request.

6.2 You acknowledge that Third‑Party Components may be subject to separate license terms (such as open‑source or proprietary licenses), and agree to comply with all applicable third-party licenses.

6.3 We make no warranties regarding Third‑Party Components and are not liable for claims arising from them.

6.4 You agree to indemnify, defend, and hold us harmless from third-party claims arising from your breach of such third-party rights or unauthorized use or modification of Third‑Party Components.

6.5 We may modify or remove Third‑Party Components at any time without notice or liability.

6.6 These provisions survive termination of your service.

7. Payment, Fees & Taxes

7.1 You agree to pay applicable Subscription Fees, Transaction Fees related to sales through your Store, and any Additional Fees (e.g., payment gateways, shipping, apps, domains, third-party services). Together, these constitute the “Fees.”

7.2 Payments shall be made via supported payment methods. You must comply with applicable terms, and we may add or remove payment options at our discretion. You are responsible for all amounts due for purchases made via our Site.

7.3 Prices and availability of Services may change with prior notice.

7.4 “Taxes” refers to duties, customs, levies (excluding income tax), including penalties or interest. You are responsible for paying Taxes and must pay fees without deduction. If we are legally required to collect Taxes, they will be added.

7.5 You must comply with all tax laws affecting your use of the Site and Service, including reporting and payment obligations.

7.6 Prices for foreign-currency third-party services may fluctuate with exchange rates without notice.

7.7 We may suspend or terminate Services due to your payment failure or delay.

7.8 Services will be reactivated only if all outstanding amounts are paid within 30 calendar days of invoice date.

7.9 Subscriptions renew automatically per billing cycle and you may be charged up to 24 hours before the next period.

7.10 You may receive a free trial; charges begin at the end of the trial unless you cancel beforehand. Trial access may be limited in number and subject to restrictions.

7.11 You may cancel any subscription before the next billing cycle; cancellation is effective next period and fees are non‑refundable. Re‑subscription after cancellation will be at current rates and coverage.

7.12 You will be charged the rate effective when you subscribed. Prices may change, and you will receive notice at least 30 days before new rates apply.

7.13 Third-party Services purchased via SWIFT Hub/Omnichannel are subject to these payment terms.

8. Confidentiality

8.1 “Confidential Information” includes all non-public business information disclosed by either party, including business methods, software, client lists, pricing, financials, security programs, etc.

8.2 Each party agrees to use Confidential Information solely to fulfill obligations under these Terms, and to protect it using measures at least as rigorous as those protecting their own confidential information. Disclosure is permitted only to necessary employees, agents, or subcontractors (subject to confidentiality obligations), or as required by law—provided prompt notice is provided.

Information is not confidential if: (A) publicly known at the time of disclosure, (B) independently developed without access, or (C) lawfully obtained from a third party without breach.

9. Liability Limitations & Indemnification

9.1 Our platform follows a Customer-to-Customer model, providing order management services. You acknowledge our liability is limited accordingly.

9.2 We strive for continuous service but do not guarantee uninterrupted or error-free operation. Data may not be real-time.

9.3 You agree to use the Services at your own risk. They are provided “AS IS” and “AS AVAILABLE.” We do not warrant that products, services, information, or materials you obtain will meet your expectations or that errors will be corrected.

9.4 To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, special, consequential, or exemplary damages (including lost profits, goodwill, use, data, or intangible losses) arising from or related to the Services or these Terms, even if we were advised of the possibility.

9.5 You agree to indemnify and hold us and our affiliates, officers, directors, agents, employees, and suppliers harmless from any third‑party claims, including reasonable attorneys’ fees, arising from (a) your breach of these Terms; (b) your violation of law or third-party rights; or (c) any transaction between you and your customers.

10. Your IP & Materials

10.1 We claim no ownership over Materials you provide. However, you grant us a worldwide, non‑exclusive, transferable, sublicensable, royalty‑free license to host, use, distribute, display, modify, reproduce, store, transmit, broadcast, publicly perform or display, translate, and create derivative works of your Materials in connection with operating and promoting the Services.

10.2 You retain ownership of Materials you own prior to uploading, subject to any licenses granted hereunder.

10.3 We may review and remove any Materials you submit at our discretion, though we are not obligated to do so.

10.4 The Services include our own content and illustrative website material. You may use our materials as expressly permitted under separate terms or contracts.

10.5 We retain all IP rights to our Services and content.

11. Notices & Removal Procedures

We may revise these Terms at our discretion to reflect business changes or legal updates. We will notify you of changes through our official channels. You agree to periodically review such notices and that your continued use of the Services after changes constitutes acceptance.

We will delete or anonymize personal data under our control when: (i) it is no longer necessary, (ii) retention period ends, or (iii) retention is no longer required by law.

Note that some data may remain stored by third parties or government institutions; you consent to such sharing and acknowledge their retention policies apply.

12. Privacy & Data Protection

12.1 Information We Collect: We may collect personally identifiable information (“Personal Information”), such as name, address, date of birth, phone number, email, etc., necessary to provide Services and process transactions.

12.2 Purposes of Collection: We may use your Personal Information to:

a) Verify identity.
b) Process transactions.
c) Communicate regarding Services.
d) Notify you of updates.
e) Analyze and improve Site functionality.
f) Monitor user activity and demographics.
g) Offer or provide SWIFT Hub and SIRCLO SWIFT Services.

12.3 Security: We adopt appropriate measures to prevent unauthorized access. We do not share personal data, except when integrated with third-party services (such as store name, product listings, inventory, and orders).

12.4 Disclosure: Personal Information may be disclosed as permitted by law.

12.5 Retention: Personal Information is retained only as long as necessary or as legally required.

12.6 Your Rights: You have the right to access, update, and correct your information.

12.7 Contact: For questions or deletion requests, contact [email protected] from your registered email.

12.8 We may update these Terms according to legal or business needs, and notify you via the Site or your email. You agree it is your responsibility to review the Terms periodically.

13. Contracting Party

13.1 For add-on Services or customizations not covered here, a separate sales contract or document (as applicable) will govern, with PT. Lingkar Niaga Solusindo or its designated entity as seller. You must comply with both that contract and these Terms.

13.2 The terms and responsibilities in such separate contracts are governed by the applicable entity.

13.3 Such separate contracts become effective once we email the purchase confirmation, and performance begins immediately.

14. Compliance with Third-Party Terms

14.1 Our Services may include third-party SaaS, cloud software, apps, hosted services, or products (“Third‑Party Products”).

14.2 By accessing or using our Services, you agree to comply with this Agreement and all applicable third-party terms, policies, and procedures.

15. Term and Termination

15.1 The term of your engagement is governed by the timeline in each separate contract.

15.2 You should carefully review and understand the term provisions in each contract. We are not responsible for consequences arising from non-compliance.

15.3 Terms may be renewed or extended per the separate contract.

15.4 We reserve the right to terminate or restrict Service access if the contract term expires without renewal.

15.5 In case of conflict, the term in the separate contract controls over these Terms.

16. Modifications

16.1 We may deploy updates (bug fixes, features, enhancements, plug-ins) (“Updates”) periodically. You consent to receive them automatically.

16.2 If these Terms change, you will be notified at least 14 calendar days in advance. Continued use after notice means you accept the new Terms. The updated Terms apply to all Services (past, present, or future), unless you disable the Service.

17. Prohibited Conduct

We prohibit unsolicited commercial email (“Spam”) for product or service promotion. Engaging in spam via our Services will result in immediate account suspension.

Your use must comply with Indonesian laws, including Law No. 11/2008 on Electronic Information and Transactions, Law No. 8/1999 on Consumer Protection, and Law No. 27/2022 on Personal Data Protection.

You are responsible for ensuring your use does not unduly consume system or network resources (e.g., by spawning excessive processes or bandwidth).

The following non-exhaustive list of prohibited content and conduct applies:

1. Content containing nudity, pornography, adult materials, or explicit sexual language.

2. Content that facilitates hacking, piracy, or similar acts.

3. Services promoted via Spam, fraud, or pyramid schemes.

4. Hate speech, extremist content, or extremely offensive material.

5. Exploitation of minors under 18.

6. Sale or promotion of illegal goods or services where posted.

7. IP infringement (copyright, patent, trademark, trade secret).

8. Promotion of email fraud, MLM pyramids, or illegal scams.

9. Reverse-engineering or decompiling our Services.

10. Reverse-engineering Customer Site code or structure.

18. External Links

Our Site may include links to third-party sites. We do not control, endorse, or assume liability for their content, availability, or any damages arising from your use of them.

19. Governing Law

These Terms are governed by Indonesian law. You may also be subject to other local laws. You submit to the exclusive jurisdiction of the Tangerang District Court for disputes hereunder and waive jurisdiction elsewhere. We reserve the right to commence legal proceedings in the Denpasar District Court.