Terms & Conditions

1. Definitions

In these Terms & Conditions, the following definitions apply:

• "iBantu", "we", "us", or "our" refers to PT iBantu Solusi Syariah, a company registered in Indonesia, and its affiliates.
• "User", "you", or "your" refers to any individual or entity accessing or using our services.
• "Services" refers to all products, platforms, applications, and services provided by iBantu, including but not limited to blockchain solutions, digital finance platforms, consulting services, training programs, and publications.
• "Platform" refers to the iBantu website, applications, and any related digital interfaces.

2. Acceptance of Terms

By accessing or using our Platform and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, along with our Privacy Policy. If you do not agree to these terms, please do not use our Services. We reserve the right to modify these terms at any time, and continued use of our Services constitutes acceptance of any modifications.

3. Our Services

iBantu provides Shariah-compliant blockchain technology solutions and services, including:

• Blockchain for Social Finance — Digital platforms for zakat, waqf, and Islamic philanthropic management.
• Blockchain for Islamic Economy — Shariah-compliant fintech infrastructure and digital wallet solutions.
• Blockchain for Business — Enterprise blockchain solutions, smart contracts, and tokenization services.
• Business Consulting — Shariah compliance auditing, advisory, and regulatory consulting.
• Professional Training — Courses on blockchain technology, Islamic finance, and digital transformation.
• Research & Publications — Reports, whitepapers, and analysis on blockchain and Islamic finance.

4. User Obligations

As a user of our Services, you agree to:

• Provide accurate and complete information when registering or using our Services.
• Use our Services only for lawful purposes and in compliance with applicable laws and regulations.
• Not engage in any activity that may interfere with, disrupt, or harm our Platform or Services.
• Keep your account credentials confidential and notify us immediately of any unauthorized access.
• Comply with all applicable anti-money laundering (AML), counter-terrorism financing (CTF), and know-your-customer (KYC) regulations.

5. Intellectual Property

All content, trademarks, logos, software, and materials available on our Platform are the intellectual property of iBantu or its licensors. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent. Any publications, research reports, or educational materials provided through our Services are licensed for personal, non-commercial use only unless otherwise stated.

6. Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis. While we strive to ensure accuracy and reliability, we make no warranties or representations regarding:

• The uninterrupted availability or error-free operation of our Platform.
• The accuracy, completeness, or timeliness of any information provided.
• The suitability of our Services for any particular purpose.
• The absolute security of data transmitted through our Platform.

7. Limitation of Liability

To the maximum extent permitted by applicable law, iBantu shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our Services. This includes, but is not limited to, loss of profits, data, or business opportunities. Our total liability for any claim shall not exceed the amount paid by you for the specific service giving rise to the claim.

8. Privacy & Data Protection

Your privacy is important to us. Our collection, use, and protection of personal data is governed by our Privacy Policy. By using our Services, you consent to the collection and processing of your data as described in our Privacy Policy. We comply with applicable data protection regulations, including Indonesia's Personal Data Protection Law (UU PDP).

9. Shariah Compliance

iBantu is committed to providing Shariah-compliant solutions. Our services and products are designed to adhere to Islamic financial principles. However, users are encouraged to seek independent Shariah advisory for their specific circumstances. iBantu's Shariah compliance certifications and reviews are conducted by qualified Shariah scholars and are available upon request.

10. Third-Party Services

Our Platform may contain links to third-party websites or integrate with third-party services. We are not responsible for the content, privacy practices, or terms of any third-party services. Your use of third-party services is at your own risk and subject to their respective terms and conditions.

11. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without notice, for any reason including violation of these Terms & Conditions. Upon termination, your right to use our Services will immediately cease, and any obligations that should survive termination (including intellectual property rights and liability limitations) shall continue to apply.

12. Governing Law & Dispute Resolution

These Terms & Conditions shall be governed by and construed in accordance with the laws of the Republic of Indonesia. Any disputes arising from or related to these terms shall be resolved through amicable negotiation. If a resolution cannot be reached, disputes shall be submitted to the jurisdiction of the courts in Jakarta, Indonesia.