At KSP Artha Guna, we hold member trust and data security as paramount values. This Privacy Policy outlines how we collect, process, safeguard, and manage your information in compliance with Law of the Republic of Indonesia Number 27 of 2022 on Personal Data Protection (PDP Law).

1. Personal Data We Collect

The cooperative collects only data directly relevant to delivering savings and loan services:

• Identity Records: Full legal name, National Identification Number (NIK), Family Card (KK), residential address, active WhatsApp/phone number, and email.
• Financial & Collateral Data: Savings history, loan application amounts, productive collateral documentation (vehicle logbooks/land certificates), and member ledger records.
• Business & Farm Information: Micro-enterprise details, market stall locations, or agricultural land records required for responsible credit underwriting.

2. Legal Basis & Processing Purposes

Personal data is processed pursuant to lawful membership consent and cooperative regulatory mandates, strictly for:

1. Administering official cooperative membership and activating daily/term savings accounts.
2. Conducting prudent, transparent evaluation and disbursement of working capital loans.
3. Delivering routine transaction statements, repayment schedules, and Operating Surplus (SHU) dividend reports.
4. Providing responsive member assistance and handling inquiries or feedback.
5. Fulfilling periodic statutory reporting obligations to the Ministry of Cooperatives and SMEs of the Republic of Indonesia.

3. Compliance with Indonesia PDP Law (Law No. 27/2022)

KSP Artha Guna operates as a designated Personal Data Controller adhering to statutory privacy standards:

• Closed-Loop System Principle: Member data is processed exclusively within internal cooperative systems and will never be sold, leased, or transferred to third-party commercial brokers or advertisers.
• Data Security Safeguards: We employ robust technical encryption and administrative controls to protect records from unauthorized access, unlawful disclosures, tampering, or loss.
• Data Retention & Deletion: Records are retained throughout active membership and will be securely archived or deleted upon full settlement of all obligations in accordance with statutory retention schedules.

4. Member Data Subject Rights

Under the PDP Law, members retain full legal rights over their personal data, including:

• Right of Access & Transparency: To obtain clear information regarding processed records and storage purposes.
• Right to Rectification: To update or correct inaccurate, outdated, or incomplete administrative data.
• Right to Erasure: To request termination of processing or deletion of records once membership is concluded and financial liabilities are cleared.
• Right to Lodge Inquiries: To submit concerns or inquiries regarding data protection via mail@ksparthaguna.chalizaaziz.com.