Dispute with a Bank or Financing Company? Here Is How the LAPS SJK Process Works and What It Costs
In the relationship between consumers and Financial Services Business Actors (PUJK), such as banks, financing companies, insurance companies, and financial technology (fintech) providers, disputes can arise from differing understandings of a financial product or service, or from one party’s failure to perform its obligations under an agreement. As financial products and services continue to evolve,...
Read MoreSengketa dengan Bank atau Perusahaan Pembiayaan? Ini Mekanisme LAPS SJK dan Rincian Biayanya
Dalam hubungan antara konsumen dan Pelaku Usaha Jasa Keuangan (PUJK), seperti bank, perusahaan pembiayaan, perusahaan asuransi, maupun penyelenggara financial technology (fintech), sengketa dapat terjadi akibat perbedaan pemahaman mengenai produk atau layanan jasa keuangan maupun kelalaian salah satu pihak dalam melaksanakan kewajiban berdasarkan perjanjian. Seiring dengan berkembangnya produk dan layanan jasa keuangan, potensi terjadinya sengketa juga...
Read MoreREMAINING INTERNET DATA QUOTA FOLLOWING THE EXPIRATION OF THE VALIDITY PERIOD: UNDERSTANDING THE CHANGES FOLLOWING THE CONSTITUTIONAL COURT’S DECISION
You purchase a 20 GB internet package, use only 12 GB, and then the validity period expires. The remaining 8 GB is still shown as unused data quota, but can no longer be used. An issue that may previously have been regarded as an ordinary part of using internet services has now been subject to...
Read MoreSISA KUOTA INTERNET SETELAH BERAKHIRNYA MASA BERLAKU: MEMAHAMI PERUBAHAN PASCA PUTUSAN MAHKAMAH KONSTITUSI
Beli paket internet 20 GB, baru terpakai 12 GB, lalu masa berlaku berakhir. Sisa 8 GB masih tercantum sebagai kuota yang belum digunakan, tetapi tidak lagi dapat dipakai. Persoalan yang selama ini mungkin dianggap sebagai bagian biasa dari penggunaan layanan internet tersebut kini mendapatkan batas baru dari Mahkamah Konstitusi. Mahkamah Konstitusi memberikan batas baru bagi...
Read MoreFLIGHT DELAY: KNOW YOUR PASSENGER RIGHTS
Flight delays are a common occurrence in air transportation. However, delays can have significant impacts, affecting business agendas, family matters, and even physical and psychological health. In response, the government as the regulator has issued rules that must be followed by airlines, including how airlines treat passengers who experience delays. What is a delay?...
Read MorePESAWAT DELAY : KENALI HAK-HAK PENUMPANG
Keterlambatan penerbangan atau delay merupakan hal umum dalam transportasi penerbangan. Namun delay dapat menimbulkan dampak signifikan dan berpengaruh terhadap agenda bisnis, urusan keluarga dan bahkan bisa berdampak terhadap kesehatan fisik dan psikis. Menyikapi hal ini, pemerintah selaku regulator telah menetapkan aturan yang wajib ditaati oleh maskpai penerbangan termasuk perlakuan maskapai terhadap penumpang yang mengalami delay....
Read MoreBank Customer Data Leaked? Here’s What You Need to Know!
Banks are required to maintain the confidentiality of all customer data and personal information, including names, addresses, dates of birth, phone numbers, and other identification data, whether individual or corporate. This obligation aligns with Article 40 (1) of Law No. 10 of 1998 concerning Banking, reinforced by OJK Circular Letter No. 14/SEOJK.07/2014 on Confidentiality and...
Read MoreData Nasabah Bank Bocor? Perhatikan Hal Berikut!
Bank diwajibkan untuk merahasiakan seluruh data dan informasi pribadi nasabah, termasuk nama, alamat, tanggal lahir, nomor telepon, dan data identitas lain baik perseorangan maupun korporasi. Selaras dengan Pasal 40 (1) UU No. 10 Tahun 1998 tentang Perbankan serta diperkuat oleh Surat Edaran OJK No. 14/SEOJK.07/2014 tentang Kerahasiaan dan Keamanan Data Pribadi Konsumen, serta Pasal 2...
Read MoreCONSUMER PROTECTION AGAINST NON-TRANSPARENT UP-SELLING MARKETING STRATEGIES
Pursuant to Article 1 point 2 of Law Number 8 of 1999 on Consumer Protection (UUPK), a consumer is defined as any individual who uses goods and/or services available in the community for personal, family, or other living beings’ purposes, and not for trade. In modern business practices, marketing strategy is a key element to...
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