Privacy Policy

This Privacy Statement applies to the personal information that is collected in relation to your use of the Mekar platform, including web and mobile, as well as the manner in which this information is subsequently used and stored.

First of all, the information which you provide will be collected and used for running a safe loan business. All personal information will be collected, used and stored with all due care and diligence, in accordance with the applicable legislation.

Secondly, the personal information collected through the Platform and Portal will be sent to Mekar. Mekar is responsible for the use of your personal information for the purposes as described below. All personal information will be collected, used and stored with all due care and diligence, in accordance with the Indonesian law.

In this Privacy Statement, the terms written with an initial capital letter that have not been defined above have the meaning given to them in the User Terms of Service.

Who is Mekar?

Mekar is the brand name of PT Mekar Investama Sampoerna a financial services company that facilitates the finance of small and medium businesses in Indonesia. Mekar uses technology to improve access to finance for small businesses in Indonesia. It achieves this mission in two ways. Firstly, Mekar engages wealthier Indonesians to finance the less wealthy entrepreneurial Indonesians. Secondly, through its network of agents, Mekar is able to identify small businesses that need finance to grow.

Information collect by Mekar 

For which purposes will Mekar use your personal information?
Mekar will use the personal information collected about you for the following purposes:

  • to enable to quickly process loan financing and loan requests;
  • to monitor the loan performance;
  • to show you relevant information;
  • market research via surveys to better serve your needs, improve the effectiveness of the Platform, the Portal, our various types of communications, advertising campaigns, and/or promotional activities;
  • to send you information about similar services;
  • to formulate anonymous, statistical data;
  • to implement security for the Platform; to send you messages from third parties, if you have consented to this;
  • to furnish your information to third parties pursuant to statutory obligations.

Data localisation

To be able to offer you relevant information related to your loan, Mekar will collect information on where you are located for the duration of the loan. 

Automatically generated information

In order to function optimally (for example, in order to reproduce information well and to secure the Platform, Mekar needs certain information. Mekar therefore collects automatically generated information about your surfing behaviour when you use the Platform and/or Portals. This information consists of your IP address (the number of your computer that enables Mekar to recognise your computer), the type of browser (the computer application used to view internet pages), the computer system that you use, your account number and the pages that you visit on the Platform.


Mekar uses cookies on the Platform for a variety of reasons which you can learn about below. The cookies Mekar use do not store personally identifiable information, other than your IP-address, nor can they harm your computer. Mekar wants the Platform to be informative, personal, and as user friendly as possible and cookies help Mekar to achieve that goal.

By using the Platform, you agree to the use of cookies and other technologies as set out in this policy. Mekar appreciates some Users may like more individual control over their visit to the Platform and can adjust their settings accordingly. You can read all about this in the section below “How to control and delete cookies”. If you do not agree to such use, please refrain from using the Platform.

Mekar uses both persistent and session cookies:

Persistent cookies are used to allow the Platform to recognise Users when they return to the Platform and to remember certain information about their preferences. These cookies are cookies which stay on your computer permanently, until you “manually” delete them.

Session cookies are used in order to allow Users to carry information across pages of the Platform without having to re-enter such information. These cookies delete themselves automatically when you leave the Platform and go to another website, or when you shut down your browser.

Mekar has also developed relationships with carefully selected and monitored partners, to assist in the delivery of a high quality Platform. Some of these partners may also set cookies during your visit to support customisation of adverts that you may see elsewhere on the Internet, and/or in order to meet contractual obligations with Mekar.

While these cookies do not store any personal details relating to you or your credit cards, please note we do not have access or control over the cookies and similar technologies that partners of Mekar use.

Social Media Cookies

To enrich the Platform content, sometimes Mekar may embed video content from other social media websites such as Linkedin, YouTube or Facebook.   As a result, when you visit a page with content embedded, you may be presented with cookies from these websites.  Mekar has no control or liability over these cookies set, so you should check the relevant third party’s cookie policy for more information.

Mekar also offers a ‘share page’ widget on some of the Platform pages, where content can be shared easily on the following sites – Facebook, Twitter, LinkedIn, etc.  These sites may set a cookie when you are logged into their service.  Mekar has no control or liability over these cookies set, so you should check the relevant third party’s cookie policy for more information.

How to control cookies

Mekar will not use cookies to collect personally identifiable information about you. However, should you choose to disable, reject or block our cookies, some parts of the Platform will not function fully, or in some cases, the Platform will not be accessible at all.

For more information on how to control your cookie settings and browser settings, or how to delete cookies on your hard drive, please visit .

Use by Mekar

Mekar offers you access to the Platform. To ensure that you are provided relevant advertising and/or offers, Mekar will use the information from your User Account, the Automatically Generated Information and/or other information provided under the Agreement.

Mekar may occasionally send you email updates about our latest products and services, as well as special offers to those who subscribe to such services. Should you decide not to receive any email updates from us, feel free to unsubscribe from these services or please email us to remove you from the subscription list. An opportunity to opt out is also provided in every message Mekar Parties send you.

Use by third parties 

Mekar will not furnish your personal information to third parties for direct marketing purposes (such as sending advertising) without your explicit permission.

Mekar may furnish your personal information to third parties insofar as this information cannot be traced back to you personally. In other words, insofar as this information is made anonymous, Mekar may provide your information to third parties if it is required to do so by law, is forced to do so because of an actual or potential lawsuit and/or if it deems this necessary to protect its own rights

Finally, Mekar may furnish your information to third parties insofar as this is necessary in Mekar‘s opinion to offer the Platform and/or Portals to you.

How is personal information protected?

Mekar has taken appropriate technical and organisational measures to secure your personal information against loss and other types of unlawful processing.

Your personal information is safeguarded against inappropriate use through your user name and password. Log-in data may be sent and stored in encrypted form as well. Mekar cannot, however, guarantee that unauthorised third parties will never circumvent the measures taken by Mekar and will not use your personal information for improper purposes.

Storage of your personal information

Mekar will not save your personal information longer than necessary to accomplish the purposes for which the information has been compiled and processed.

Examination and correction of your personal information.

If you wish to know what information Mekar has collected about you, you can send Mekar a request to receive an overview of your personal information by sending an email to Mekar will provide you with the written information within four (4) weeks.

If the personal information Mekar process about you is inaccurate, incomplete or unnecessary for the purposes for which it was collected, you can request to Mekar to rectify, erase or block the information. Mekar will respond to such a request within four (4) weeks by sending a request to the email addresses stated above.

What is the scope of this Privacy Statement?

The Platform and products may contain links and/or references to third party websites and/or content. Mekar are not responsible or liable for these third party websites and/or content. If you leave the Platform and/or Portal to visit this third party websites and/or content, please be advised that third party privacy statements may apply to the collection and use of your personal information. This Privacy Statement only pertains to the personal information collected through the Platform and Portal.

Transfer of business Mekar

Should Mekar grow and develop further (or for other reasons), one or more units or assets of Mekar’s business may be transferred or outsourced to a third party, Mekar may be acquired by a third party or Mekar may merge with a third party. In that case, too, your personal information will be transferred and here with you authorize and delegate MEKAR to do so without any objection.