Terms & Conditions of Use – Universal Mobile Plus
A. DEFINITION
Universal Mobile Plus is an electronic banking service of PT Bank Perekonomian Rakyat Universal that enables Customers to conduct banking transactions on their accounts at PT Bank Perekonomian Rakyat Universal and to obtain information regarding products and/or services of PT Bank Perekonomian Rakyat Universal and its affiliated partners. The application can be downloaded from official software distribution platforms available on the Customer’s smartphone.
Bank refers to PT Bank Perekonomian Rakyat Universal, including its Head Office, branch offices, and other offices which constitute an integral part of PT Bank Perekonomian Rakyat Universal.
Customer refers to an individual who owns and/or uses banking products provided by the Bank, including but not limited to savings accounts, deposits, and/or loans.
Universal Mobile Plus User (hereinafter referred to as the “User”) refers to a Customer who has registered as a user of Universal Mobile Plus.
Password is a personal confidential code created by the User and required to log in to Universal Mobile Plus, consisting of 8–30 characters combining numbers, lowercase letters, uppercase letters, and special characters. The Password must remain confidential and known only to the authorized User, created independently by the User within Universal Mobile Plus, and may be changed by the User at any time through Universal Mobile Plus.
M-PIN (Personal Identification Number) is a 6-digit personal identification number used by the Customer to perform financial transactions in Universal Mobile Plus.
SMS (Short Message Services) is a text messaging service that enables sending and/or receiving short messages in text and/or numeric form via a smartphone.
OTP (One Time Password), is a one-time authentication code sent via SMS/WhatsApp to the User’s registered smartphone number recorded in the Bank’s system, which must be entered by the User when conducting transactions requiring OTP authentication.
Smartphone refers to a mobile phone operating on Android or iOS systems with advanced capabilities, utilizing operating system software that provides fundamental and standardized interfaces for developers.
Smartphone Number refers to the phone number used as a means of authentication/authorization in conducting transactions on Universal Mobile Plus.
Quick Response Code Indonesian Standard (QRIS) is the standardized QR Code payment system established by Bank Indonesia to facilitate payments in Indonesia.
Reaktivasi is the process of reactivating a User’s account to enable access to Universal Mobile Plus and all transactions and/or features therein, through a re-verification process using two (2) authentication factors on one (1) smartphone.
Registrasi is the process of creating a User account on one (1) smartphone that has successfully installed Universal Mobile Plus and completed two (2) authentication factor verification.
Biometric Data refers to data relating to an individual’s physical, physiological, or behavioral characteristics that enable unique identification, including but not limited to facial images, fingerprints, and voice recordings.
Personal Data refers to data about an identified or identifiable individual, either independently or in combination with other information, whether directly or indirectly, through electronic or non-electronic systems.
Privacy Notice refers to the Bank’s disclosure statement explaining how the Bank collects, obtains, processes, analyzes, uses, stores, updates, displays, announces, transfers, disseminates, discloses, deletes, and/or destroys Customers’ Personal Data, as well as Customers’ rights as Personal Data subjects pursuant to Law Number 27 of 2022 concerning Personal Data Protection and its amendments, implementing regulations, and other applicable laws and regulations.
Financial Transactions refer to transactions that result in financial mutations (debit or credit) to an account.
Non-Financial Transactions refer to transactions that do not result in financial mutations to an account.
Quick Access Transactions refer to features provided by the Bank to facilitate Users in making payments and/or purchases without logging in to Universal Mobile Plus.
Official Bank Media refers to official communication channels used by the Bank to deliver information to Customers, including but not limited to the website, SMS, WhatsApp, email, Universal Care, letters, and official publications in mass media.
Complaint refers to an expression of dissatisfaction from a Customer, whether verbal or written, arising from actual loss and/or potential material loss that is reasonable and directly experienced by the Customer due to the Bank’s failure to fulfill an agreement and/or financial transaction document that has been agreed upon.
B. GENERAL TERMS OF USE
The general terms governing the use of Universal Mobile Plus are as follows:
The User must have an individual Savings Account registered with the Bank.
The User must have an active personal Smartphone number and email address currently in use by the User.
The User has read, understood, and agreed to these Terms and Conditions.
The User is required to update their data with the Bank whenever there are changes to their Personal Data, particularly any changes to their active email address and/or Smartphone number.
Any losses arising from the User’s failure to update their data with the Bank, especially changes to the User’s active email address and/or Smartphone number, shall be the sole responsibility of the User.
C. PERSONAL DATA SECURITY
The Customer agrees that the collection, use, and disclosure of the Customer’s Personal Data through Universal Mobile Plus shall be carried out in accordance with these Terms and Conditions and the Bank’s Privacy Policy, which is set out on a separate page and forms an integral and inseparable part of these Terms and Conditions.
Biometric Data is not stored on the Bank’s servers and is securely stored only within the secure element of the User’s device in accordance with international security standards. Such Biometric Data cannot be accessed by any party other than the User through the registered device.
The User may submit a request for account and Personal Data deletion in accordance with the provisions of the applicable Personal Data Protection Law, except for data that the Bank is required to retain pursuant to prevailing laws and regulations.
D. UNIVERSAL MOBILE PLUS REGISTRATION
The registration process may be completed through the Universal Mobile Plus Application by downloading the application from the Google Play Store (for Android users) or the App Store (for iOS users).
A Customer may register only 1 (one) User account for Universal Mobile Plus, linked to 1 (one) Smartphone number registered in the Bank’s system and used on 1 (one) Smartphone device.
The Bank may conduct periodic device re-verification (device binding) to ensure account security, particularly in the event of changes to the device, operating system, or registered Smartphone number. If the verification results are inconsistent, the Bank reserves the right to require the User to complete a re-registration process.
Registration of the Universal Mobile Plus application must be carried out personally by the relevant Customer (non-transferable), using the Customer’s own Smartphone. The Customer is strictly prohibited from registering another person’s Smartphone number for any reason. The Customer must provide information in accordance with the Universal Mobile Plus membership requirements.
Registration of Universal Mobile Plus may only be performed independently by the Customer through the Universal Mobile Plus application installed on the Customer’s personal Smartphone.
For Customers Who Already Have a Universal Savings Account:
a. The Customer may register for Universal Mobile Plus using data already registered with the Bank.
b. The Customer must have a Smartphone number and email address registered in the Bank’s system.
c. The Customer may download and install Universal Mobile Plus, create a Password and M-PIN, and log in using the created Password.
d. If the Customer has not registered a Smartphone number and email address, the Customer may visit the nearest Bank office to update their data or contact Universal Care.For Prospective Customers / Existing Customers Without a Universal Savings Account:
a. The Customer may register through Universal Mobile Plus after successfully downloading the application and must ensure the accuracy and completeness of the data provided during registration.
b. The Customer creates a Password and M-PIN, after which an OTP code will be sent to the Customer’s registered Smartphone number.The Customer may log in using the registered Smartphone number and the Password that has been created.
E. USER PROVISIONS
Upon successful registration of Universal Mobile Plus, the User may utilize Universal Mobile Plus to conduct Financial Transactions and Non-Financial Transactions as determined by the Bank, and to obtain information regarding the Bank’s products and/or services and those of the Bank’s affiliated partners.
Access to and transactions conducted through Universal Mobile Plus outside the territory of Indonesia shall be subject to the applicable laws of the relevant jurisdiction and may be restricted by the Bank or the relevant authorities in accordance with prevailing policies.
If the User does not perform any activity within Universal Mobile Plus for a certain period of time, the system will automatically log out and return to the login page.
The User must provide complete and accurate information and ensure the correctness and completeness of the data required for any Financial Transaction or Non-Financial Transaction.
The User must ensure sufficient available funds in the User’s account prior to conducting any Financial Transaction through Universal Mobile Plus.
The User shall have the opportunity to review and/or cancel the data entered at the transaction confirmation stage.
Upon confirming the accuracy and completeness of the data provided, as a form of approval to execute the Financial Transaction, the User must enter the M-PIN.
Any Financial Transaction and Non-Financial Transaction that has been instructed to the Bank and approved by the User (through correct entry of the M-PIN) cannot be canceled.
All User instructions stored within the Bank’s data center shall constitute valid and binding data and serve as lawful evidence of the User’s instruction to the Bank to execute the relevant transaction, unless the User can prove otherwise.
The Bank shall accept and execute every instruction from the User as a valid instruction based on the User’s Smartphone number, Password, and M-PIN. The Bank shall have no obligation to verify or investigate the authenticity, validity, or authority of the User’s Smartphone number, Password, and M-PIN. Therefore, such instructions shall be legally valid and binding upon the User.
The Customer must perform application version upgrades of Universal Mobile Plus. The Bank reserves the right to restrict or deactivate services on outdated versions that are not updated in order to maintain security and service reliability.
F. GENERAL TERMS AND CONDITIONS FOR ACCOUNT OPENING
Account
a. An Account is the Bank’s bookkeeping record of the Bank’s deposit products opened upon the Customer’s written application or through other procedures as determined by the Bank, subject to the fulfillment of all requirements stipulated by the Bank.
b. The currency used for opening an Account shall be Indonesian Rupiah (IDR).
c. Only individual Customers are eligible to open an Account.
d. If a Customer opens more than one Account with the Bank, all such Accounts shall be deemed approved by the Customer as forming one unified relationship.
e. The Bank reserves the right, at its discretion, to reject any application for Account opening. The Bank shall provide the reason for such rejection to the Customer, unless otherwise stipulated by applicable laws and regulations.Customer Data / Customer Information File (CIF)
a. For the purpose of opening an account with the Bank, the Customer is required to provide the data and documents as required by the Bank.
b. The Bank reserves the right to request additional information and supporting documents and to administer the Customer’s profile data in accordance with its operational needs and applicable laws and regulations.
c. The Customer warrants that all documents and information provided to the Bank are true, complete, valid, and in compliance with applicable laws and regulations.
d. The Customer data used by the Bank (including, but not limited to, address and home/office/mobile phone numbers) shall be the most recent data recorded in the Bank’s system.
e. The Customer is required to notify and submit any changes to their data to the Bank. Such changes shall only become effective after the notification has been received and/or approved by the Bank.
f. The Customer hereby declares full responsibility for any losses and risks incurred as a result of negligence, delay, or failure to notify the Bank of any changes as referred to in item (d) above.Transactions
a. A Transaction refers to any bookkeeping activity in an Account, whether an increase in balance (deposit of funds) or a decrease in balance (withdrawal of funds), which shall be governed by the applicable provisions of the Bank.
b. Funds deposited, utilized, or transacted with the Bank must not originate from or be intended for any criminal activity, including money laundering.
c. The Customer shall be responsible for the security of transaction instructions and/or negotiable instruments issued by or submitted to the Bank, including any misuse, forgery, or duplication that may result in criminal acts.
G. BENEFITS OF USING UNIVERSAL MOBILE PLUS
Universal Mobile Plus provides convenience for Customer Users to conduct transactions anytime and anywhere using their Smartphone.
It offers easier, faster, more cost-effective, and practical transaction services. Users can perform mobile top-ups, fund transfers, purchases, and bill payments more conveniently through Universal Mobile Plus.
It ensures maximum transaction security, enabling Customer Users to conduct Financial Transactions and Non-Financial Transactions with greater comfort and confidence.
H. PASSWORD, M-PIN, AND OTP
The Password, M-PIN, and OTP may only be used by the respective User.
The User is obligated to maintain the confidentiality of the Password, M-PIN, and OTP by:
a. Not disclosing the Password, M-PIN, and OTP to any other person, including family members, close associates, or even Bank officers;
b. Not storing the Password, M-PIN, and OTP on the Smartphone, on any objects, or through any means that may enable the User ID, Password, M-PIN, and OTP to be known by other parties;
c. Exercising caution when entering the Password, M-PIN, and OTP to prevent them from being seen by others.The User shall not use a Smartphone number, Password, M-PIN, or OTP that is determined or chosen by another person, or that is easily identifiable, such as a date of birth or combinations thereof. In the event that the User’s SIM card and/or Smartphone is lost, stolen, transferred to another party, or if there is any change to the registered Smartphone number and/or email address associated with Universal Mobile Plus, the User must immediately notify the nearest Bank office or contact Universal Care to request blocking/termination of access to Universal Mobile Plus or to update the User’s data. Any transaction instructions executed based on the Smartphone number, M-PIN, and Password prior to the authorized Bank officer receiving such notification from the User shall be the sole responsibility of the User.
The User is free to create a Password and M-PIN and may change or replace them through Universal Mobile Plus in accordance with the Bank’s provisions.
If the User becomes aware or suspects that their Password or M-PIN has been disclosed to another party, the User must immediately secure and change their Password or M-PIN.
The use of a Password, PIN, and/or OTP shall have the same legal force as a written instruction signed by the User. Therefore, the User hereby declares that the use of a Password, PIN, and/or OTP in any transaction instruction through Universal Mobile Plus constitutes authorization granted by the User to the Bank to execute the transaction, including debiting the User’s account for the execution of the instructed transaction and for payment of any related transaction fees.
Any misuse of the Password, M-PIN, and OTP shall be the sole responsibility of the User. The User hereby releases the Bank from any claims arising from such misuse, whether brought by third parties or by the User.
The User must ensure that the Smartphone used to access Universal Mobile Plus complies with the standards determined by the Bank and is free from malware, viruses, or any harmful programs that may cause loss to the User and/or disrupt transactions conducted through Universal Mobile Plus.
I. FEES AND LIMITS
In accordance with regulatory provisions and/or the Bank’s policies, for each transaction or activity conducted by the User through Universal Mobile Plus, the Bank reserves the right to:
a. Determine minimum and maximum transaction limits; and/or
b. Impose fees, including but not limited to transaction fees, non-transaction fees, and applicable taxes in accordance with prevailing laws and regulations, which shall be borne by the User.The User shall also bear any data network and/or internet charges in accordance with the тарифs determined by the relevant telecommunications service provider.
The User understands that transactions provided by or involving third parties may be subject to additional charges imposed by such third parties, separate from the fees determined by the Bank. All fees incurred shall be directly debited by the Bank from the Account, and the User hereby authorizes the Bank to debit the Account for the payment of fees related to transactions and/or the use of Universal Mobile Plus. The authorization granted by the Customer to the Bank shall be irrevocable and shall not be withdrawn, revoked, or terminated for any reasons whatsoever, including those stipulated under Article 1813 of the Indonesian Civil Code or for any other reason.
The Bank reserves the right at any time to amend the applicable limits and/or fees. Information regarding such limits and/or fees may be accessed by the User through Universal Mobile Plus.
J. Identity Verification
The Bank reserves the right to verify the truthfulness and accuracy of the data provided by the Customer through Universal Mobile Plus. The Bank is also authorized to request additional data and/or supporting documents as necessary. If the Customer fails to provide the requested supporting documents, the Bank reserves the right to delay and/or decline processing the registration of Universal Mobile Plus services until all required conditions have been fulfilled.
In conducting identity verification of the Customer/User, the Bank cooperates with PT Indonesia Digital Identity (VIDA) as the Bank’s partner to verify the conformity of demographic and/or biometric data with data recorded in the systems of the authorized government institutions issuing such identity. If the Customer’s Personal Data has been successfully verified, PT Indonesia Digital Identity (VIDA), as an Electronic Certification Authority certified by the Ministry of Communication and Informatics of the Republic of Indonesia, shall issue an electronic certificate as evidence that the Customer’s Personal Data has been verified and declared consistent with the data recorded in the relevant authorized government system.
The Customer/User is responsible for the accuracy and completeness of the Personal Data provided to the Bank and agrees that such data will be processed by PT Indonesia Digital Identity (VIDA) as the Bank’s partner for the purpose of issuing an electronic certificate and providing other banking services related to the use of such electronic certificate. Unless otherwise stipulated by regulation or specific agreement, the Customer is obligated to promptly notify the Bank in writing of any changes to previously submitted data, including but not limited to changes in name, address, telephone number, Tax Identification Number (NPWP), tax identification number issued by the Customer’s tax residence jurisdiction, signature, or any other information that differs from the data recorded in the Bank’s system.
The Customer/User warrants that the Personal Data submitted to the Bank is true, complete, and accurate. The Customer agrees that such Personal Data may be processed by the Electronic Certification Authority, including PT Indonesia Digital Identity (VIDA), for the purpose of issuing electronic certificates and providing banking services or other services related to the use of such electronic certificates. If at any time discrepancies or changes occur in the Customer’s/User’s Personal Data, the Customer/User shall update such data with the Bank in accordance with the applicable procedures.
The Customer/User understands and agrees that the use of electronic certificate and electronic signature services provided by PT Indonesia Digital Identity (VIDA) is subject to the applicable terms and conditions, including but not limited to the Subscriber Agreement, CA Privacy Policy, and Certification Practice Statement, which are accessible at
K. RISK POTENTIALS AND MITIGATION
The potential risks that may be faced by the User include:
a. Forgetting the Password and/or M-PIN, which may result in the blocking of the Universal Mobile Plus facility (generally due to five (5) consecutive incorrect input attempts).
b. Unauthorized disclosure of the Password and/or M-PIN, which may result in financial crimes committed by unauthorized parties.
c. Disclosure of personal account information, which may disrupt the Customer’s/User’s privacy and may potentially be misused by other parties.
d. Incorrect input of required data during a Financial Transaction, which may result in misdirected transfers or incorrect payments. The refund process may take time, as it requires prior approval from the relevant parties.
e. Loss of a Smartphone that has been activated for Universal Mobile Plus, which may be misused for Non-Financial Transactions and potentially for Financial Transactions.The following measures may be taken by the User to mitigate such risks:
a. Use a Password and/or M-PIN that is memorable to the User but difficult for others to guess.
b. Do not use easily guessed Passwords or M-PINs.
c. Avoid using dates of birth as Passwords or M-PINs.
d. Keep your Password and M-PIN confidential.
e. Change your Password and M-PIN regularly.
f. Download or update Universal Mobile Plus only through the official Google Play Store or App Store.
g. Use secure internet networks (avoid public Wi-Fi).
h. Regularly review account transaction history (account statements).
i. Immediately request account blocking to prevent misuse if the Smartphone is lost or if there are suspected indications of fraud.
L. BLOCKING OF UNIVERSAL MOBILE PLUS ACCESS
Access to Universal Mobile Plus shall be blocked if the User engages in any of the following:
a. The User submits a request to the Bank to terminate access to the Universal Mobile Plus facility, which may include but is not limited to the following circumstances:
1) The Customer forgets the Universal Mobile Plus Password (where the application has not yet been blocked);
2) The loss, theft, or transfer of ownership of the Smartphone used by the User to conduct transactions through Universal Mobile Plus.
b. The User incorrectly enters the Password five (5) consecutive times;
c. The Bank receives a report from the User regarding suspected or confirmed unauthorized disclosure of the Password to another party;
d. The Bank suspects misuse of the User’s Account, including in connection with violations of applicable laws;
e. The Bank is required to do so pursuant to applicable laws and regulations.If the Bank experiences system disruptions or suspends the provision of Universal Mobile Plus services, the Bank shall notify the User through the Bank’s Official Media. The User is strictly prohibited from hacking, duplicating, replicating, and/or modifying Universal Mobile Plus on any electronic device. Any consequences arising from such actions shall be the sole responsibility of the User.
Blocking of access to the Universal Mobile Plus facility may be requested by contacting Universal Care or the nearest Bank branch office.
To reactivate Universal Mobile Plus following the blocking of access, the User may unblock access by:
a. Accessing the “Forgot Password/M-PIN” menu within Universal Mobile Plus;
b. Contacting Universal Care or visiting the nearest Bank branch office.
Any request for blocking or unblocking access to Universal Mobile Plus initiated at the User’s request must be submitted personally by the respective User and may not be represented by any other party.
M. TERMINATION OR DISCONTINUATION OF ACCESS
Access to Universal Mobile Plus shall be terminated under the following circumstances:
a. The User submits a request to terminate the Universal Mobile Plus service without closing their account by visiting the nearest Bank branch or through the Universal Care service.
b. The Customer closes all accounts and/or services held at BPR Universal.The Bank reserves the right to terminate the User’s access to Universal Mobile Plus if the User utilizes the service to conduct any unlawful or illegal activities.
The Bank may suspend or discontinue access to Universal Mobile Plus under the following conditions:
a. The Bank is required to terminate access to this service in compliance with applicable laws and regulations or pursuant to instructions from regulators (Bank Indonesia, the Financial Services Authority/Otoritas Jasa Keuangan, or other governmental authorities).
b. The Bank experiences system disruptions, force majeure events, or termination of cooperation with related parties that result in the service being unavailable, thereby preventing the User from accessing Universal Mobile Plus. In such cases, the Bank will provide notification to the User through the communication channels designated by the Bank.
N. CUSTOMER EDUCATION MEDIA
The Bank shall continuously provide financial literacy and educational information to Customers, tailored to their needs and current conditions. The information may be delivered through the following media:
Universal Mobile Plus;
The Bank’s official website;
The Bank’s official social media platforms;
Other information media, including brochures, banners, SMS, and the Bank’s official WhatsApp channel.
O. FORCE MAJEURE
In the event that the Bank is unable to execute the Customer’s instructions, either partially or in full, due to events or circumstances beyond the Bank’s control or capability, including but not limited to natural disasters, war, riots, malfunction of equipment/systems/transmission, power outages, telecommunication disruptions, government policies prohibiting the Bank from providing Universal Mobile Plus services, or any other events or circumstances beyond the Bank’s control, the User hereby releases the Bank from any and all claims in any form arising from such events.
Force majeure shall also include digital disruptions such as massive cyberattacks, large-scale system breaches, or other technological disturbances beyond the Bank’s control.
In the event the Bank is unable to carry out the User’s instructions, either partially or entirely, due to the above-mentioned events or causes, the Bank shall notify the User through the Bank’s Official Communication Channels.
P. DISPUTE RESOLUTION
The User agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of the Universal Mobile Plus Terms and Conditions between the User and the Bank shall be resolved amicably through mutual deliberation.
Any dispute or difference of opinion that cannot be resolved through mutual deliberation between the User and the Bank shall be settled through banking facilitation at Bank Indonesia or the Financial Services Authority (Otoritas Jasa Keuangan), or through mediation conducted by an Alternative Dispute Resolution Institution listed in the Register of Alternative Dispute Resolution Institutions as stipulated by the Financial Services Authority.
Any dispute or difference of opinion that cannot be resolved through mutual deliberation and/or mediation as referred to in point 2 above shall be settled through the South Tangerang District Court, without prejudice to the Bank’s right to file a claim or lawsuit with any other District Court within the territory of the Republic of Indonesia.
Q. MISCELLANEOUS
The User shall promptly notify the Bank in writing of any changes to the User’s personal data. The User must contact the relevant Mobile Network Operator for issues related to the SIM Card, mobile network, internet connection on the Smartphone, billing from the Mobile Network Operator, SMS charges, and any value-added services provided by the Mobile Network Operator. The Bank reserves the right to amend these Terms and Conditions of Use for Universal Mobile Plus. Any amendments shall be notified to the User in any form and through any means in accordance with the applicable laws and regulations.
The User hereby agrees to be bound by these Terms and Conditions of Use for Universal Mobile Plus, as well as all applicable Bank regulations governing the services, facilities, and transactions available through Universal Mobile Plus, which shall be notified to the User in any form and through any means in accordance with applicable laws and regulations.
The Bank sends One-Time Password (OTP) codes to the User via SMS under the sender ID UNIVERSLBPR.
For information regarding the Bank’s products and services, Customers may contact:
a. Universal Care through :
1) Email customercare@universalbpr.co.id;
2) Telephone : 021-2221-3993; and
3) Whatsapp : 021-2221-3993
b. By visiting the nearest Bank branch.Customers may submit complaints regarding any issues related to transactions, access blocking, and/or termination of Universal Mobile Plus through the following channels:
Method of Submission
Complaint Media/Channel
Operating Hours for Receipt and Handling
Verbal
Universal Care 021-2221-3993;