The following Terms and Conditions of
Use (“Terms”) shall apply
for all users and readers of https://SahabatPenaWanita.blogspot.com/, whether
via website, mobile site, application or any other platform or device (“Site”) and any
present or future information, data, articles, tools or features contained in
the Site, whether in form of, among others, artwork, audio files, computer
code, graphics, images, logos, music, photographs, programs, software, buttons,
widgets, applications, sounds, text, trademarks, user interfaces, videos or
visual interfaces that, from time to time, are made available or may be
accessed through the Site (“Content”).
These Terms may be changed, amended,
supplemented or otherwise modified from time to time without prior notice to
you. It is your responsibility to check these Terms periodically for any such
changes, amendments, supplements or modifications.
1. Acceptance of these Terms
By visiting the Site, or viewing,
accessing or otherwise using any Content, you represent that you have read and
fully understand the contents and consequences of these Terms, and you
irrevocably agree and accept to be bound by these Terms. If you do not want to
be bound by these Terms, your only option is not to visit, view or otherwise
use the Site or any Content. You understand, agree and acknowledge that these
Terms constitute a legally binding agreement between you and SahabatPenaWanita and
that your use of the Site or any Content shall indicate your conclusive
acceptance of these Terms.
You shall be fully responsible for all
access to the Site (including any access by another person) using your internet
connection.
You represent and warrant that you are
permitted by all applicable laws and regulations to visit the Site, or view,
access or otherwise use any Content, and have the legal capacity and necessary
authorizations to enter into these Terms.
2. Provision of the Content
You agree and acknowledge that SahabatPenaWanita
is entitled to modify, improve or discontinue any of the Content at its sole
discretion and without prior notice to you even if it may result in temporary
interruptions or you being prevented from accessing any information contained
in it.
3. Intellectual Property Rights
The SahabatPenaWanita name and logo, are
trademarks of SahabatPenaWanita, and may not be copied, imitated or used, in
whole or in part, without the prior written permission of SahabatPenaWanita.
You acknowledge and agree that the Site
and the Content, including any features or tools made available in the Site,
may contain proprietary and confidential information including copyrights,
trademarks, service marks and patents protected by applicable intellectual
property laws and international intellectual property treaties. SahabatPenaWanita
authorizes you to view and make a single copy of reasonable portions of the
Content for offline, personal, non-commercial use, provided that such copy is
properly attributed to SahabatPenaWanita. No Content may be sold, reproduced,
modified, published distributed or otherwise exploited whether in hard copy,
electronic or any other form (including any derivative works in any form) or
make any Content available by any means, for commercial or public purposes
without our written permission. Any third-party trademarks, service marks and
logos are the property of their respective owners. Any further rights not
specifically granted herein are reserved.
Unless expressly stipulated otherwise,
the intellectual property right relating to any data and information collected,
extracted, compiled, synthesized, processed, analyzed or generated by SahabatPenaWanita
or the use of any services, features or tools available on the Site, are owned
by SahabatPenaWanita, and may not be sold, reproduced, modified, published
distributed or otherwise exploited whether in hard copy, electronic or any
other form (including any derivative works in any form) or make such data or
information available by any means, for commercial or public purposes without SahabatPenaWanita’s
prior consent in writing.
Unless expressly stipulated otherwise,
nothing in these Terms shall operate, or be construed, to assign or otherwise
transfer the intellectual property rights of SahabatPenaWanita or any third
party to you.
4. Content of the Site
When you post, submit, transmit, upload
or otherwise make available any comment, content, information or data (“User Content”) to SahabatPenaWanita
or the Site, you simultaneously grant SahabatPenaWanita an irrevocable,
worldwide, royalty free license to use, publish, display, modify, translate,
distribute and syndicate the User Content worldwide. You confirm and warrant
that you have the required authority to grant the above license to SahabatPenaWanita.
By posting, submitting, transmitting,
uploading, storing or otherwise making available any User Content in the Site
or through the Site, you represent and warrant that you have all rights, titles
and interests to such User Content including any necessary authorization and
consent from any third party, and such User Content is not obtained by you in
any manner that against any laws, regulations, policies, agreements or
relationship to which you are subject, including by breaching any secrecy or
other similar confidentiality obligations.
If you subscribe to the Subscribed
Services as an agent, you represent and warrant that any information relating
to your clients does not belong to the financial institution(s) that you are
associated or affiliated with.
You agree that you shall be fully responsible
for any User Content, and indemnify and hold SahabatPenaWanita, its officers,
directors, commissioners, shareholders, predecessors, successors in interest,
employees, agents, subsidiaries and affiliates, harmless from any demands,
loss, liability, claims or expenses (including attorneys’ fees), made against SahabatPenaWanita
by any third party due to or arising out of or in connection with any User
Content submitted or uploaded by you.
You acknowledge that we may or may not
pre-screen or review any User Content or any content, information or data
submitted, transmitted, uploaded or otherwise made available by other user of
the Site, including all the Content provided by advertisers or any other third
party (“Other User Content”), but
that we shall have the right (but not the obligation) at our sole discretion to
pre-screen, refuse, or remove any User Content or Other User Content. If you
find any Other User Content offensive or in violation of your rights, please
contact us by sending an email to armedia2321@gmail.com.
You agree that it is your responsibility
to evaluate, and you shall bear all risks associated with, your use of any
Other User Content, including any reliance on the accuracy, completeness, or
usefulness of such Other User Content.
When posting, submitting, transmitting,
uploading, storing or otherwise making available any User Content, you shall
not:
a.
use any inappropriate or offensive language. Inappropriate or offensive
language includes, but is not limited to, anything sexually charged, abusive,
defamatory, vulgar, obscene, profane, and hateful or that contains racially,
ethnically or otherwise objectionable material of any kind;
b. harass
or personally attack others, including but not limited to unlawful, harmful,
threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful
and racially, ethnically or otherwise objectionable are not permitted or
anything else that could potentially lead to a conflict against an individual,
group, or an institution that has the potential to also cause an unfair
competition;
c.
encourage illegal conduct, violate the rights of others or otherwise violate
any applicable local, state, national or international law;
d. write
in all caps or bold, as it gives the impression that you are shouting and is
unpleasant for any other user or reader to read.
e. use any
content that is copyrighted or trademarked or protected with other applicable
intellectual property rights, unless you are the owner of that material or have
the appropriate license or authorization;
f.
copy and paste the full content of news stories, instead of linking out to a
news story, or quoting short passages with a reference; and
g.
embed any images of a sexual or offensive nature. If you are uncertain if an
image is acceptable or not, post only a link to the image with a warning that
it goes to a page that some may find it offensive. Any links to offensive or
pornographic materials will be removed immediately at our sole discretion.
5. Not a Financial Advice
Any advice or tips given in “Comment
Page” and the “Forum Page” of the Site are from other users, unless otherwise
indicated. The Site and any Content, Subscribed Services and other services
made available through the Site, including articles, information, advice, tools
and features that we provide, should be of general information to you in
managing your finances and cannot substitute a professional advice. It is not
intended to constitute an advice from a certified financial planner or other
financial professional or advisor unless SahabatPenaWanita submits an opinion
by a certified financial planner or other financial professional or advisor.
Unless otherwise indicated, we do not recommend buying, subscribing to or
opening any particular stocks, insurance products, term deposits, mutual funds
or other financial instruments or products based on advice from other users —
nor do we support recommending any stocks, mutual funds or other financial
instruments or products yourself. Any direct or indirect communication between
you and SahabatPenaWanita do not form professional-client relationship. We
strongly encourage you to seek an advice from a certified financial planner or
other financial professional or advisor should you have any query related to
your financial status.
6. External Content and Advertisement
The Site may include hyperlinks to
third-party content, features, tools, advertisement or websites. You
acknowledge that we have no control over the nature, content and availability
of those third-party content, features, tools, advertisement or websites. SahabatPenaWanita
does not undertake to verify the truth, accuracy, reasonability, reliability,
and completeness of any content of hyperlinks to third party websites,
advertisement content or proficiency level. The inclusion of any hyperlinks and
third-party content, features, tools or advertisement does not necessarily
imply a recommendation or endorse the views expressed within them. You
irrevocably acknowledge and agree that SahabatPenaWanita shall not be
responsible for any advertising, products or resource available from such
resources or websites. Any questions, concerns or complaints relating to the
content, features, tools, advertisements, services or products available from
such resources or website should be directed to the relevant third party.
7. Transaction with Advertiser, Other User or Third Party
You agree and acknowledge that we are
not a party to any transaction or agreement between you and any advertiser,
third party or other user of the Site. You acknowledge and agree that SahabatPenaWanita
does not responsible for any losses, damages or claims that may arise from such
agreement or transaction nor control over the quality, integrity, reliability,
accuracy, or performance ability of the parties contracting with you through
the Site.
8. Comment Page and Forum Page
Each of the “Comment Page” and the
“Forum Page” of the Site is intended to be a safe and friendly forum to discuss
personal finance topics and any other related topics with other people. You
hereby agree to abide by these Terms and respect other members of the community
at all times. We reserve the rights to ban you or other users who do not abide
by these rules from SahabatPenaWanita website. We may, at any time at our sole
discretion, remove any offensive comments that fail to abide by the spirit of
our community. If you would like to discuss why we’ve moved or removed your
comment, you are welcome to send an email to armedia2321@gmail.com.
9. Prohibited Use
You agree not to use, or attempt to use,
the Site or any Content for any purpose that is unlawful or prohibited by these
Terms or any applicable law, including but not limited to:
a. impersonating
any person or entity, falsely stating or otherwise misrepresenting your
affiliation with a person or entity;
b. removing any
copyright, trademark or other proprietary rights notice from the Site or any
Content;
c. gaining
unauthorized access to any portion or feature of the Site or any Content,
including deleting or modifying any Content or taking any action that
negatively affects or causes inconvenience to other users;
d. interfering with or
disrupting the operation of the Site or servers or networks connected to the
Site, including posting, submitting, transmitting, uploading or otherwise
making available any material that contains software viruses, worms or any
other computer code, files or programs designed to interrupt, destroy or limit
the functionality of any computer software or hardware or telecommunications
equipment;
e. creating a
mirror of the Site or part of the Site, or systematically downloading and
storing any Content; and
f. compiling or
storing personal data about other users of the Site in connection with the
prohibited conduct and activities set out in these Terms.
10. Privacy Notice
In our Privacy Policy, we explain how we
treat your personal data and protect your privacy when you visit, access, view
or use the Site. Please read our Privacy Policy carefully. To view our Privacy
Policy.
By visiting the Site, or viewing,
accessing or otherwise using any Content, you represent that you have read and
fully understand the contents and consequences of our Privacy Policy, and you
irrevocably agree and accept to be bound by the terms and conditions of our
Privacy Policy.
11. Notification
We may send receipts, invoices,
notifications, newsletters, promotions, alerts and other information through
your mail.
12. Social Share Features
SahabatPenaWanita provides social
sharing features that enable you to share the Content of the Site. You
understand that the Content that you share through social sharing features is
subject to the terms and policies of those social sharing services.
13. Disclaimer of Warranties and Limitation of Liability
You understand and agree that the Site
and any Content are provided “as is” and “as available” and your use of the
Site or any Content is entirely at your own risk. SahabatPenaWanita does not
make any express or implied warranties, endorsements or representations
whatsoever as to the operation of the Site or any Content. This shall include,
but not be limited to, implied warranties of merchantability and suitability
for a particular purpose and non-infringement, and warranties that access to or
use of the Site or any Content will be uninterrupted or error-free or that
defects in the Site or any Content will be corrected.
You understand and agree that the
Content is for general informational purposes only. Nothing in this Site is to
be considered as rendering of financial advice or any other advice for any
specific matter. We make no representations or warranties of any kind, express
or implied, about the completeness, accuracy, reliability, suitability or
availability with respect to the Site or any Content for any purpose. Any
reliance you place on such information is therefore strictly at your own risk.
You accept and agree that we shall in no
event be liable to you for any losses or damages, including, but not be limited
to damages for loss of profits, business interruption, business reputation or
goodwill, loss of programs or information or other intangible loss arising out
of the accessing or reliance on information contained on the Site, the use of
or the inability to use the service, or information, or any permanent or
temporary cessation of such service or access to information, or the deletion
or corruption of any content or information, or the failure to store any
content or information. The above limitation shall apply whether or not SahabatPenaWanita
has been advised of or should have been aware of the possibility of such damages.
In jurisdictions where the exclusion or limitation of liability for
consequential or incidental damages is not allowed, the liability of SahabatPenaWanita
is limited to the greatest extent permitted by law.
14. Violation of These Terms
If we determine that you have violated
these Terms or other agreements or terms and conditions relating to your use of
the Site or any Content, you agree that we may, at our sole discretion and
without prior notice, terminate your access to the Site and/or block your future
access to the Site. We reserve all rights we may have to bring any legal action
against you for such violation.
15. Indemnification
You agree to indemnify and hold SahabatPenaWanita,
its officers, directors, commissioners, shareholders, predecessors, successors
in interest, employees, agents, subsidiaries and affiliates, harmless from any
demands, loss, liability, claims or expenses (including attorneys’ fees), made
against SahabatPenaWanita by any third party due to or arising out of or in
connection with (i) your use of the Site or any Content
16. Termination of Agreement
(a)
The Terms of this agreement will continue to apply in perpetuity until such
time the Site is suspended or terminated.
(b)
Notwithstanding the foregoing, Clauses 3-7, 10, 13-15 dan 16(b) shall survive
the termination of these Terms.
17. Changes to the Terms
SahabatPenaWanita reserves the right to
change, amend or otherwise modify these Terms from time to time at our sole
discretion and without any notice. Any changes, amendments or modifications to
these Terms become effective on the date they are posted, and your continued
use of the Site or the Content after such changes, amendments or modifications
to the Terms shall be deemed as and constitute your irrevocable acceptance and
agreement to such changes, amendments or modifications.
18. Entire Agreement
You understand and agree that these
Terms constitute the entire agreement between you and SahabatPenaWanita.
Additional terms and conditions may apply to purchases of goods or services and
to specific portion of the Site or specific Content, including contests,
promotions or other similar features, all of which terms are made a part of
these Terms by this reference. If there is a conflict between these Terms and
the terms posted for or applicable to a specific portion of the Site or
Content, the latter terms shall prevail with respect to your use of that
portion of the Site or the specific Content.
You may be subject to additional terms
and conditions when you use, purchase or access other services, affiliate
services or third-party content or material.
19. Severability
If any provision of these Terms or the
application thereof to any situation or circumstance shall be invalid or
unenforceable, the remainder of these Terms shall not be affected, and each
remaining provisions shall be valid and enforceable to the fullest extent.
20. Language
These Terms are made in English language.
21. Governing Law and Jurisdiction
These Terms shall be governed by and
construed in accordance with the laws of the Republic of Indonesia. You
expressly understand and agree to submit to the non-exclusive jurisdiction of
the District Courts of Central Jakarta to resolve any legal matter arising from
these Terms or related to your use of the Site or the Content. Your submission
to such jurisdiction shall not (and shall not be construed so as to) limit SahabatPenaWanita’s
right to commence any legal action or proceeding arising out of or in
connection with these Terms or related to your use of the Site or the Content
before or with any other district courts or other courts in Indonesia, either
simultaneously or separately, as permitted by applicable law and as SahabatPenaWanita
shall determine at its own discretion.
Last Edit : October 20, 2019
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