IMPORTANT: Please read these Terms and Conditions of Use carefully before using the ISPC Mobile Application. By accessing, registering for, or using this Mobile Application, you acknowledge that you have read, understood, and agreed to be bound by all these Terms and Conditions, as well as ISPC's Privacy Policy, which is an integral part hereof. If you do not agree to any or all these provisions, please do not continue using the Application.
1. DEFINITIONS
In these Terms and Conditions, the provisions below shall have the following meanings:
2. ROLE OF ISPC AS A THIRD-PARTY ADMINISTRATOR (TPA)
2.1. ISPC is a Third-Party Administrator (TPA) that manages and processes insurance claim administration on behalf of and for the benefit of the Insurer. ISPC is not the Insurer (insurance company) and does not issue insurance policies.
2.2. ISPC's function through the Mobile Application is limited to facilitating claim submission, tracking, and administration in accordance with the mandate from the Insurer.
2.3. The final decision regarding the approval, rejection, or amount of claim payment is solely the authority and responsibility of the Insurer, based on the applicable Insurance Policy terms.
3. ACCEPTANCE OF TERMS AND CONDITIONS
3.1. By clicking the "Register" or "Agree" button during the registration process, or by continuing to use the Mobile Application, you expressly declare your agreement to be bound by these Terms and Conditions.
3.2. This consent constitutes valid and binding electronic evidence, having the same legal force as a signed written consent.
4. USER ACCOUNT AND SECURITY
4.1. Account Registration: You are required to register for an account by providing accurate, complete, and current information. You agree that ISPC reserves the right to verify the information you provide.
4.2. Confidentiality of Credentials: You are solely responsible for maintaining the confidentiality of your account username and password. Any activity conducted through your account shall be deemed your action and is entirely your responsibility.
4.3. Breach Notification: You must immediately notify ISPC of any indication of misuse of your account or other security breaches. ISPC shall not be liable for losses arising from your negligence in maintaining the confidentiality of account credentials.
5. USE OF SERVICES AND CLAIM PROCESS
5.1. Purpose of Use: This Mobile Application may only be used for lawful purposes, in accordance with applicable law, and to access the Services provided by ISPC as a TPA.
5.2. Claim Submission: You are fully responsible for the accuracy, completeness, and authenticity of documents and information uploaded for the claim submission. Inaccurate, incomplete, or false information or documents may result in delay or rejection of claims by the Insurer.
5.3. Data Verification: You grant consent to ISPC to verify all information and documents you submit, including contacting third parties (e.g., healthcare providers) if necessary for the claims administration process.
5.4. Policy Compliance: All claim processes and claim decision will be subject to the provisions of your Insurance Policy. The information displayed in the Mobile Application is for informational purposes only and does not supersede the provisions of your Insurance Policy.
5.5. Prohibitions: You are prohibited from using the Mobile Application to: a. Commit acts of fraud, falsify data or documents. b. Upload illegal, harmful, or infringing content of third-party rights. c. Disrupt the operation of the Application or ISPC's servers.
6. PRIVACY AND PERSONAL DATA PROTECTION
6.1. ISPC is committed to protecting the privacy of your personal data. The collection, use, storage, and disclosure of your personal data will be carried out in accordance with ISPC's Privacy Policy and the applicable personal data protection laws and regulations in the Republic of Indonesia, Law No. 27 of 2022.
6.2. By agreeing to these Terms and Conditions, you also agree to the provisions in ISPC's Privacy Policy. We strongly encourage you to read our Privacy Policy to understand how your personal data is managed.
6.3. Your personal data will be used solely for the purposes of claims administration, provision of Services, and TPA operations.
7. INTELLECTUAL PROPERTY RIGHTS
7.1. All intellectual property rights to the Mobile Application, including but not limited to copyrights, trademarks, patents, trade secrets, designs, texts, images, logos, source code, and other elements contained therein, are owned by ISPC or its licensors.
7.2. You are prohibited from copying, reproducing, distributing, modifying, adapting, publicly displaying, or using any part of the Mobile Application for commercial or other purposes without prior written permission from ISPC.
8. LIMITATION OF LIABILITY
8.1. Limitation of TPA Role: ISPC is not responsible for: a. The final decision on insurance claims (acceptance, rejection, or payment amount), as this is the authority of the Insurer. b. Any losses arising from or related to the performance or non-performance of the Insurer. c. The interpretation of the Insurance Policy that forms the basis of coverage.
8.2. Availability and Accuracy: ISPC strives to maintain the availability of the Application and the accuracy of information. However, ISPC does not guarantee that the Application will be free from interruptions, errors, bugs, or viruses, or that the information displayed will always be up-to-date and fully accurate.
8.3. Indirect Losses: ISPC is not liable for any losses (whether direct or indirect, including loss of profits or data) arising from your use or inability to use this Mobile Application, to the extent permitted by law.
8.4. Policy Reference: The information presented in the Mobile Application is for informative and does not supersede the provisions of your Insurance Policy issued by the Insurer. You must refer to your Insurance Policy for binding provisions.
9. AMENDMENT OF TERMS AND CONDITIONS
9.1. ISPC reserves the right to amend, modify, add, or remove parts of these Terms and Conditions at any time, at its sole discretion.
9.2. Amendments will take effect immediately upon publication in the Mobile Application or by notice to you.
9.3. Continuous use of the Mobile Application after the effective date of the amendments constitutes your consent and acceptance to the revised Terms and Conditions. If you do not agree with such amendments, you must stop using the Application.
10. APPLICABLE LAW AND DISPUTE RESOLUTION
10.1. These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Indonesia.
10.2. Any dispute, controversy, or claim arising from or in connection with these Terms and Conditions will be sought to be resolved amicably through deliberation to reach a consensus.
10.3. If amicable settlements are not reached within sixty (60) calendar days from the date of the notification of the dispute, then the parties agree to resolve the dispute through the non-exclusive jurisdiction of the Central Jakarta District Court.
11. MISCELLANEOUS
11.1. Severability: If any provision of these Terms and Conditions is deemed invalid, illegal, or unenforceable under applicable law, then such provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
11.2. Waiver: The failure of ISPC to enforce any right or provision in these Terms and Conditions shall not constitute a waiver of such right or provision
12. CONTACT US
For questions or further clarification regarding these Terms and Conditions, or to obtain support related to the use of the Mobile Application, you may contact ISPC customer service via: