Terms And Conditions

Disclaimer:

The following terms and condition that refers to FelIO website, we called it “the Website”. The following terms and condition that refers to FelIO services, we called it “the Service”.

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the Website, it means You agree with the terms and conditions of this Agreement. If You do not agree to all the terms and condition of this Agreement, then You may not access the Website or use any of the Service.

Ownership

Any kind of ownership, copyright and title of any software that is developed by FelIO will be a part of FelIO. You shall not acquire directly, indirectly or by implication any title, ownership in the software or any parts thereof. We do not claim any ownership rights to the information that You submit to FelIO application itself, Your data is Yours.

Your Account and Website

If You create an account on the Website, You are responsible for maintaining the security of Your account, and You are fully responsible for all activities that occur under the account and any other actions taken in connection with the account.

Acceptable Use of Your Account and the Website

By accepting this Agreement, You agree not to use, encourage, promote, or facilitates others to use, the Website or Your account in a way that is harmful to others (“Acceptable Use”).

Examples of harmful use include, but are not limited to, infringing upon others’ intellectual property rights, distributing harmful or offensive content that is defamatory, obscene, abusive, an invasion of privacy, or harassing, fraud, gambling and all activities that are not in accordance with the CAN-SPAM act. We will process every report provided by other parties who feel disadvantaged from activities related to Your account effectively and immediately to protect those who feel disadvantaged from Your account activities.

Payment Fee

1. The service fee that You will pay when using the website services must refer to the Price Attachment in the Agreement and refer to this document, unless there is a written agreement between You and FelIO

If You have used our Services, without prior agreement or negotiation with us, the applicable and payable fees and charges must be those specified in the price list on www.Felio.id which is the reference in this document.

2. An Acceptance shall be deemed executed when the funds specified in an invoice issued by You are successfully transferred by the End User to the designated bank account as specified in the invoice. A Disbursement shall be deemed to have been made when the funds specified in Your instructions (in the case of a Remittance by manual upload) in the .XSLX file You uploaded for a transaction are successfully transferred from the FelIO balance to the relevant bank account You designate for the purpose receipt of funds.

3. We reserve the right to revise the Price Attachment and the agreed invoice at any time, provided that notice of such change has been given to You pursuant to the "Receiving Services (Via VIRTUAL ACCOUNT, RETAIL OUTLET or E-WALLET) and Withdrawal" Clause of the Agreement.

4. By using the Website Service, You agree that the First Party has the right to immediately make direct deductions for any expenses, fees, prices or bills owed by You to us in accordance with the Price Attachment or any loss legally and in accordance with the law issued by us as a result of of Your actions, as specified in the "Obligations for Unauthorized Payments and Other Obligations" Clause of the Agreement before remitting any amount to which You are entitled

Fund Sending Service

Any Remittances made or which We will make on Your behalf will always be subject to the following conditions:

1. Instructions to make Fund Transfers can only be given by You (as the account holder) to Us through manual uploads on the Dashboard and all such instructions are only valid if they are made according to the format or template specified by the First Party in the Service Documentation. We are not obligated to make a Disbursement on Your behalf if the Disbursement instructions submitted are not in accordance with this T&C

2. All instructions received to make a Disbursement submitted by You (as an account holder on Our Service) by means of manual upload to the Dashboard are considered final and irrevocable at the time of delivery, i.e. when the .XLSX document containing Your instructions regarding Funds Transfer has been successful. uploaded to Dashboard.

3. Under no circumstances will we be obligated to make a Disbursement on Your behalf (as an account holder in Our Services) unless and until the balance in the Bailout Account is equal to or greater than the amount of the Disbursement value requested by You and the service fee. in connection with the Disbursement of Funds, as stated in the Price Attachment.

4. If the balance in the Bailing Funds Account is equal to or greater than the amount of the Disbursement value requested by You (as the account holder in Our Services) and the service fees in connection with the Disbursement of Funds listed in the Price Attachment, We must make the Disbursement of Funds (in if the request for Remittance is received at 15:00 on a working day or if the request for Remittance is received after 15:00 on a business day and the value of the requested Remittance is lower than IDR 50 million) by 23:59 on the same day the same and (in the event that the amount of the request for Disbursement of Funds is higher than Rp. 50 million and if the request for Disbursement of Funds is received at 15:00 on a business day or if the request for Disbursement of Funds is received outside of a working day) at 23:59 on the next working day WITH THE PROVISION that We will never be deemed to have violated these T&Cs and its Affiliates will never be deemed to be involved be responsible for any Loss incurred to You as a result of the delay or failure of Us or its Affiliates to make a Transfer of Funds (either directly or indirectly) as a result of errors, failures, delays, damage, delays or other events arising beyond the control of Us or its Affiliates (including, but not limited to, technical or infrastructure failure or damage to banking and financial transmission systems).

5. A Disbursement is deemed to have been made by Us (in the case of a Disbursement of Funds via manual upload) when the status of Your request (as an account holder in Our Services) for a Disbursement of Funds shows the message “COMPLETED” on the screen of the Collective Remittance section of Your Dashboard.

6. You (as an account owner on Our Service) acknowledge and accept that our obligations to You in connection with each Fund Transfer have been completed after the conditions in Clause "Fund Sending Service" number 5 above are fulfilled, and acknowledge and accept that we and our affiliates are not responsible for Losses suffered by You in connection with errors, failures, delays, damage, delays or other events that affect the final process of Disbursement of Funds by the Bank that has created, managed and maintained the Bailout Fund Account and the Destination Account.

7. We guarantee that, subject to these T&Cs, all funds received by Us and/or any of its Affiliates for and on Your behalf will be kept for Your benefit, except for expenses, fees, fees or charges payable by You to Us in accordance with with Attachment any Price or Loss lawfully suffered by Us as a result of Your actions, as specified in the "Obligations for Unauthorized Payments and Other Obligations" Clause below.

8. You (as an account holder on Our Services) agree to be subject to the terms and conditions of the appointed Bank with whom We will provide the Services (including, but not limited to, limits or changes to the hours during which the Virtual Account can be allocated by the appointed Bank) and all such terms and conditions form part of this Agreement by reference.

Receiving Services (Via VIRTUAL ACCOUNT, RETAIL OUTLET or E-WALLET) and Withdrawal

Any acceptance made or to be made by us on Your behalf is always subject to the following conditions:

1. You must configure Your preferred method to enable Us to perform Receipts by notifying Our representatives, employees, officers or directors of their choice in Receipts whether it be by fixed or variable Virtual Account method, or Retail Store or Electronic Wallet, via an approved Instant Messaging Service. by both Parties or any other method in writing.

2. The Second Party must make invoices via UI Billing for every transaction with End Users, in which case Acceptance from End Users will be made by Us on Your behalf. The bill must be made in accordance with the instructions found at https://Felio.id/Terima-Pembayaran

3. Any invoice made by You (as an account holder on Our Services) will expire after seventy-two hours (72) hours from creation

4. (in the event that the payment is made after 17.00 on a business day or on a holiday) no later than the next working day after the payment is made, neither We nor any of its Affiliates will NEVER BE DEEMED to have violated these T&Cs for any liability for damages incurred to You as a result of from the delay or failure of Us or its Affiliates to detect payments (either indirectly or directly) whether due to errors, failures, delays, damages, delays or other events arising beyond the control of Us or their Affiliates (including, but not limited to, technical failures or infrastructure or failures in banking and financial transmission systems). For the avoidance of doubt, We are not required to detect payments to You from End Users where the payment is made to the wrong destination account, with the wrong amount or after the expiration date as described in the invoice sent to and intended for such End User (such payment affected either the Virtual Account or Retail Store or Electronic Wallet payment line).

5. Where a future payment from an End User is made incorrectly, whether it is for (i) payment of an incorrect amount that does not match the amount charged in the invoice sent to and addressed to that End User, (ii) payment of funds to the intended destination. incorrectly, then You (as the account owner on Our Service) have the right to review a transaction by giving notification to us, the notification is made via Instant Messaging Service or other written methods. We may respond to such notices (in the event that the notification is made before 17:00 on a business day) no later than 23:59 on the following business day and (in the event that the notification is made after 17:00 on a business day or on a holiday) no later than two (2 ) working days after the notification is made.

6. all payments received by us on Your behalf (as an account holder on our services) as a result of our execution of all receipts, whether through a virtual account or payment line from a retail store or electronic wallet, will be added to Your balance by us.

7. Settlement of all funds received into your balance (as an account holder in Our Services) will be made on a one-day basis after the business day, and all payments owed to you will be calculated and transferred to your bailout account whose balance will be available on your Dashboard. and ready to be sent or withdrawn no later than 23:59 one (1) business day after receiving the last payment from the End User, provided that the payment is made before 17:00 on a business day, minus any expenses, fees, fees or charges to be paid by You to Us in accordance with the Attachment to this Price, Agreement and T&C.

8. We guarantee that, subject to T&C "Receiving Services (Via VIRTUAL ACCOUNT, RETAIL OUTLET or E-WALLET) and Withdrawal" number 9, all funds received by Us and/or any of its Affiliates on Your behalf are held for Your sole benefit, and that, except for expenses, costs, fees or charges payable by You to Us pursuant to this Price Attachment, Agreement or T&C or Lawful Loss incurred to Us as a result of Your actions, as determined in accordance with the "Obligations for Unauthorized Payments and Other Obligations" of the Agreement, We have no rights to the funds received on your behalf.

9. You (as an account holder on Our Services) agree to be subject to the terms and conditions of the appointed Bank together with whom We provide Services (including, but not limited to, limitations or changes to hours during which the Virtual Account can be allocated by the appointed Bank) and all such terms and conditions form part of this document by reference.

10. You (as an account holder on our Service) have the right to withdraw funds held in his name in the Bailing Fund Account as long as the designated withdrawal bank account meets one or more of the following requirements:

a). The bank account designated in the withdrawal transaction is owned by you; and/or

b). The bank account designated in the withdrawal transaction is owned by the Sub-Account holder

Obligations for Unauthorized Payments and Other Obligations

1. You (as an account owner on Our Services) acknowledge and agree that We and any of its Affiliates are not obligated and not responsible in any way, and that You are responsible for any Losses suffered by Us arising from:

a. overpayment, payment error, Repayment of any kind or other unauthorized payment caused by You or the End User (collectively, “Unauthorized Payments”)

b. error, breach of contract, negligence, malpractice of disabling or non-compliance with security features (such as “IP Whitelisting”, or any fraud by you, your employees, directors, officers, representatives or anyone acting on your behalf; and/or

c. losses suffered by us in connection with your failure to comply with the terms of this Agreement or T&C.

2. You will be responsible for all and all of our losses in paragraph 1 above if you:

a. disable the “FDS Whitelist” feature on the Services provided by the First Party.

b. Failing to adequately include IP Whitelists by limiting and controlling access to Our Services only to trusted users

c. Does not enable Dashboard 2-Factor Authentication (2FA).

d. Failed to secure the PIN, password, or other authentication mechanism used to log in to the Dashboard.

3. In the event of any Unauthorized Payments or other obligations referred to above, We may immediately, deduct the amount owed from your Dashboard balance without objection or rejection from You, or (where the balance in Your Bailout Account is less than the total amount Unauthorized Payments and/or other costs or obligations incurred pursuant to these T&Cs), We will issue a written notice to You to make a refund in respect of the Unauthorized Payments and/or other costs or liabilities, and You will enforce such reimbursement within seven (7) calendar days of receiving such notification. Our delay or failure to make a reduction will never be considered as a waiver of any or all of Our rights in relation to Losses to which they are entitled.

Security and Fraud

1. You (as the account holder on Our Services) represent and warrant that, at all times during the term of the Agreement, You will maintain and comply with all appropriate security measures to protect Your Computer System and the data stored on it from unauthorized control, vandalism, or other unauthorized access and comply with all applicable laws, rules, regulations. For the purposes of these T&Cs, “Your Computer System” means a computer system operated by or on your behalf that captures or stores End User data or transmits End User data to Us.

2. Unless caused by Our negligence, willful error or fraud, You are liable for Losses incurred when payment credentials are lost or stolen or an account is used to purchase products or services from You, when Your username or password is leaked, or the use is not or modification of your account on our platform. We and any of its Affiliates do not bear You for Losses caused by fraud. Further, you acknowledge and agree to fully indemnify us for any Losses suffered by us in connection with (whether directly or indirectly) the use of lost or stolen credentials or your account, unless such credentials or account have been lost or stolen solely due to negligence, error. intentional or fraudulent from us.

3. We can help you investigate with law enforcement to recover lost funds. However, if We agree to facilitate You in such investigation, We shall not be liable to You, or liable for any financial or non-financial loss (either direct or indirect) or other consequences as a result of such fraudulent acts.

4. The onus is on You (as the account holder on Our Services) to review any controls over security provided or suggested by Us, and to determine whether those security controls are adequate or appropriate for their purposes and, where appropriate, will independently implement procedures and other security controls not provided by Us. We never represent, warrant or guarantee that you or an End User will never be a victim of fraud.

5. You (as an account holder on Our Services) agree to provide us with evidence of compliance with the T&Cs if we request it. Failure to provide us with satisfactory evidence of compliance may result in suspension of the Service or termination of the Agreement.

6. We may provide subjective data to you regarding the possibility of fraudulent transactions, which require action or review by you. We may also include your actions or omissions as a subjective judgment going forward when identifying potential future fraud. However, you acknowledge and agree that he is responsible for any actions he chooses (or otherwise) in relation to such data, and for providing us with inaccurate or untrue information. We make no representations of warranty or guarantee that such subjective data will be accurate in detecting fraud under all circumstances, and are not responsible for any Losses incurred in connection with fraudulent transactions that are not detected from subjective data provided to you.

7. We can provide or suggest best practices in implementing loss prevention and ensuring a smooth experience. You agree to review all the best practices that we recommend and choose the most appropriate for your business activities, as well as implement security procedures and controls that are not provided by us.

8. We provide an additional security feature, namely IP Whitelisting that can be used and applied by you on your system. If you do not use and implement this additional security feature, then all risks that may occur in the future are your responsibility.

Renewal for Subscription Purchased Through the Website

By selecting subscription package to the Websites, it means You agree to pay FelIO fees indicated for that services. Subscription fees are not refundable. The subscription fee will be specified on Your invoice. Unless You notify FelIO before the end of the applicable subscription period that You want to cancel or upgrade the Subscription will renew automatically. If You cancel FelIO usage in the middle of usage period, Your money can not be refunded.

Changes to the Subscription Package

By paying for a subscription package, You can use our services in accordance with the package, and will be extended automatically according to Your subscription period. If Your previous subscription period is monthly payment, You can change Your subscription period to payment every one year, or with a subscription period that is longer than Your current subscription period. Price adjustments will occur if You change Your subscription period.

To improve the types of services we will provide, You can upgrade Your subscription package. Price adjustments will apply when changes to the Subscription Package. If the changes are made less than 30 (thirty) days before the end of the package's active period, the remaining days using the old subscription package will automatically end and be replaced by Your New Subscription Package. Changing the Subscription Package to downgrade is not possible for You. If You have questions regarding Your Subscription Package, You can contact us at support@mailtarget.co

FelIO Newsletter

By create an account on FelIO, it means You also give us permission to add Your email address to FelIO Newsletter. You can unsubscribe our newsletter at any time by using the link at the bottom of the newsletter.

Content on the Service

You are responsible for Your use of the Services and for any Content You provide, including compliance with applicable laws, rules, and regulations. You should only provide Content that You are comfortable sharing with others.

Any use or reliance on any Content or materials posted via the Services or obtained by You through the Services is at Your own risk. We do not endorse, support, represent or guarantee the completeness, truthfulness, accuracy, or reliability of any Content or communications posted via the Services or endorse any opinions expressed via the Services.

Copyright Infringement

FelIO always try to respect the intellectual property rights, it respects the intellectual property rights of others. If You believe that material located on or linked to by FelIO violates Your copyright, You are encouraged to contact us on info@Felio.id.

Data Privacy

If You make an account on the Website, by agreeing to these terms, You are acknowledging and agreeing that Your name and email address will become personal information. You also agreeing that Your company name and email address will become company information. You can’t remove this information.

Use License

Permission is granted to temporarily download one copy of the materials (information or software) on PT. Target Sukses Sinergi's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license You may not:

1. modify or copy the materials;

2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

3. attempt to decompile or reverse engineer any software contained on PT. Target Sukses Sinergi's website;

4. remove any copyright or other proprietary notations from the materials; or

5. transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if You violate any of these restrictions and may be terminated by PT. Target Sukses Sinergi at any time. Upon terminating Your viewing of these materials or upon the termination of this license, You must destroy any downloaded materials in Your possession whether in electronic or printed format.

Changes

FelIO reserves the right to modify or replace any part of this Agreement. It is Your responsibility to check this Agreement periodically for changes. FelIO may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement. FelIO may also, in the future, remove features at any time without warning.

Termination

FelIO may terminate Your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If You wish to terminate this Agreement or Your FelIO account, You may simply discontinue using the Website. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Governing Law

This Agreement shall be governed by and interpreted in accordance with the laws.