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These general terms and conditions (“Terms”) set out the rules for using our products and services offered by PT Achilles Financial Systems (“AFS”). You will be required to accept these Terms before you may use our Services. Please read these Terms carefully before using our Services.
Please note that these Terms are to be read together with our Privacy Policy sets out the rules for how we collect, use and store your personal data.
1.1 Platform Operator
The website platform “OnlinePajak” is operated and maintained by our affiliate as a technology provider, which facilitates access to various features and services through the Site.
1.2 Service Provider
AFS is a licensed Payment Service Provider under Bank Indonesia and is responsible for the provision of the following regulated services:
(collectively referred to as the “Services”).
1.3 Limitation of Applicability of Terms
These Terms and Conditions shall only apply to the extent you use the Services.
For the avoidance of doubt:
1.4 Responsibility and Consumer Protection
To the extent that you use any Services:
Nothing in this structure shall:
1.5 Contact
To contact us, please use the “Contact Us” function available on the Site.
2.1. By using our Services, you will need to confirm that you accept these Terms and that you read, understand, agree and you agree to comply with and be bound by them. If you do not agree to these Terms, you must not continue to use our Services.
2.2. We recommend that you print a copy of these Terms for future reference.
2.3. I confirm that I am legally authorized to act on behalf of the company/entity, or for myself (as relevant) based on applicable Indonesian laws, and to agree this Terms.
3.1. We amend these Terms from time to time. Every time you wish to use our Services, please check these Terms to ensure you understand the terms that apply at that time.
3.2. These Terms were most recently updated April 20, 2026.
4.1. We may update and change our Site and scope of Services offered from time to time to reflect changes to our products, our users’ needs, our business priorities or in response to regulatory changes. We will try to give you reasonable notice of any major changes.
4.2. Acceptance of Updated Terms and Applicability to Prior Data: By accepting these updated Terms and continuing to use the Services, you expressly acknowledge and agree that any and all data, information, or content you have submitted to us, or uploaded through the Services prior to your acceptance of these updated Terms, shall be governed by and subject to these updated Terms. You further agree that such previously submitted or uploaded data and information may be used, processed, and retained by us in accordance with the provisions of the updated Terms, including but not limited to any rights granted to us under the sections on Data Ownership and Usage.
5.1. Our Site is made available free of charge, and you may set up an account with us at no charge.
5.2. We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
5.3. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.
We may assign or transfer our rights and/or obligations under these Terms to another party only upon prior written notification to you.
In the event such transfer may materially affect your rights or obligations, we will obtain your consent, in accordance with applicable laws and regulations.
We ensure that any transfer:
You have the right to object or terminate the Services without penalty if you do not agree to such transfer.
Our Site and Services are directed at users required to pay tax to the Directorate General of Tax of the Republic of Indonesia. We do not represent that content available on or through our Site is appropriate for use or available in other jurisdictions.
8.1. The Customer hereby authorizes the AFS to receive, store, process, and use any passcode, password, authentication key, token, certificate, or other access credentials (collectively, “Access Credentials”) issued in the Customer’s name, solely for the purpose of accessing relevant government, regulatory, or third-party systems in order to perform the Services.
8.2. The Customer represents and warrants that:
(a) it is the lawful holder or an authorized user of such Access Credentials;
(b) it has the full legal right, authority, and capacity to share such Access Credentials with the AFS; and
(c) the use of such Access Credentials by the AFS in accordance with these Terms does not violate any applicable laws, regulations, contractual obligations, or system terms imposed by the relevant authority or third party.
8.3. The AFS shall use the Access Credentials strictly for the purpose of providing the Services and shall not use such Access Credentials for any other purpose.
8.4. The Customer acknowledges and agrees that:
(a) the AFS acts solely as a technical service provider or facilitator when using the Access Credentials;
(b) any access, submission, retrieval, or interaction performed using the Access Credentials shall be deemed to be carried out on behalf of, and under the authority and responsibility of, the Customer; and
(c) any outputs, responses, system behavior, or technical results generated by government or third-party systems are outside the AFS’s control and responsibility.
8.5. The Customer shall remain fully responsible for:
(a) maintaining the confidentiality, security, and validity of all Access Credentials;
(b) any activity conducted using such Access Credentials, whether performed directly by the Customer or by any party authorized by the Customer; and
(c) any consequences arising from unauthorized access, misuse, expiration, suspension, or revocation of such Access Credentials. However, AFS shall remain responsible for any unauthorized access resulting from system failure, security breach, or internal misconduct.
8.6. The AFS shall not be liable for any loss, damage, delay, or consequence arising from:
(a) the Customer’s failure to maintain valid or accurate Access Credentials;
(b) restrictions, limitations, errors, or changes imposed by government or third-party systems; or
(c) any action taken by such systems based on the use of the Access Credentials.
Notwithstanding the above, we remain responsible for the secure handling, storage, and use of Access Credentials within our systems in accordance with applicable laws and industry standards.
9.1. If you choose, or you are provided with, a user identification code, password or any other piece of information (Security Code) as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We are not responsible for your negligence and/or mistakes regarding the leakage or disclosure of your Security Code to third parties.
9.2. We have the right to disable any Security Code, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.
9.3. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us via email ([email protected]) or the chat function on the Site.
10.1. You may print off one copy, and may download extracts, of any page(s) from our Site for your personal use and you may draw the attention of others within your organisation to content posted on our Site.
10.2. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
10.3. Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged.
10.4. Unless expressly permitted in the Subscription Terms (including under any Service Order contemplated in the Subscription Terms), you must not use any part of the content on our Site for commercial purposes without obtaining a license to do so from us or our licensors.
10.5. If you print off, copy or download any part of our Site in breach of these Terms, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
11.1. The content on our Site is provided for general information only and is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action solely based on the content on our Site.
11.2. Although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether expressed or implied, that the content on our Site is accurate, complete or up to date.
12.1. Our Site may contain links to third-party websites or resources.
12.2. Such links are provided for convenience and informational purposes only.
12.3. While we do not control such third-party content, we:
12.4. We remain responsible for any third-party services that form part of or directly support our regulated Services, including payment and/or remittance services.
12.5. This clause does not exclude or limit our responsibility where required under applicable consumer protection laws.
We are responsible for losses suffered by you to the extent such losses arise from:
Nothing in these Terms shall:
To the extent permitted by law, limitation of liability shall:
We shall not be liable for losses arising solely from:
Any limitation of liability shall be interpreted in accordance with fairness and balance principles under applicable regulations.
Depending on the nature of the Services:
a. As Data Controller
We act as a data controller where we determine the purposes and means of processing your personal data, including for:
b. As Data Processor
We act as a data processor where we process personal data solely on your behalf and in accordance with your documented instructions, including where you use our Services to process third-party data.
In all cases, we will process personal data in accordance with applicable laws and regulations.
14.2. Lawful Basis and Consent
We process personal data based on one or more lawful bases, including:
Where consent is required:
Withdrawal of consent will not affect prior lawful processing but may impact the availability of certain Services only to the extent necessary and proportionate.
14.3. Purpose Limitation
We collect and process personal data solely for specific, legitimate, and disclosed purposes, including:
We will not process personal data beyond these purposes unless:
14.4. Data Minimization and Proportionality
We limit the collection and processing of personal data to what is adequate, relevant, and necessary for the purposes described above.
14.5. Processing of Third-Party Personal Data
Where you provide personal data of third parties, you represent and warrant that:
This does not relieve us of our obligations to:
14.6. Data Sharing with Third Parties
We may share personal data with:
only to the extent necessary for:
All such sharing will be subject to:
14.7. Anonymization and Aggregation
We may process data in anonymized and aggregated form for:
Such data:
Any use of identifiable personal data for commercial purposes will require a separate lawful basis, including consent where required.
14.8. Data Subject Rights
You have the following rights, subject to applicable laws:
We will respond to such requests within the timeframe required by law.
14.9. Data Retention
We retain personal data only for:
After that, data will be:
14.10. Data Security
We implement appropriate technical and organizational measures to protect personal data against:
14.11. Marketing Communications
Where required by law, we will obtain your separate consent before sending marketing communications.
You may opt out at any time without affecting your access to core Services, except where such communication is integral to the Service.
14.12. Record-Keeping and Accountability
We maintain records of:
to ensure compliance with applicable regulations.
15.1. Whenever you make use of a feature that allows you to upload content to our Site, you must comply with the content standards set out in our Cookies and Acceptable Use Policy and in accordance with the applicable regulations.
15.2. You warrant that the content you upload has complied with the standards, and you will be liable to us and indemnify us for any breach of that. This means you will be responsible for any loss or damage we suffer as a result of your breach.
15.3. Any content You upload remains confidential and protected, except as necessary to provide services.
You retain all of your ownership rights in your content, but you are required to grant us a limited license to use, store and copy that content and to distribute and make it available to third parties.
15.4. We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our Site constitutes a violation of their intellectual property rights, or of their right to privacy.
15.5. You are solely responsible for securing and backing up your content.
15.6. We reserve the right not to store content that we believe may violate applicable regulations or does not meet our internal standards.
16.1. We do not guarantee that our Site, Service, or content that is provided by us will be secure or free from bugs, viruses, or other harmful components.
16.2. You are responsible to ensure that your information technology, computer program, hardware, software, and platform are configured and equipped with anti-virus software and use other adequate security measures to access our Site. 16.3. You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.
17.1. You shall:
(a) Ensuring that you have the express written consent of third parties before sharing their data through our Services;
(b) Bearing all legal risks and losses arising from failure to obtain such consent to the extent such risks or losses arise from your negligence, misconduct, or failure to comply with applicable laws;
(c) Providing a statement that the data you upload does not violate the rights of others;
(d) validly authorized us to collect such consent on your behalf through the Consent Collection Service.
17.2. You agree that you are not allowed to:
(a) You shall not and shall not permit any person or entity to: (i) decompile, “unlock,” reverse-engineer, disassemble, or otherwise translate the object code versions of the Services to human-perceivable form, (ii) otherwise discover or replicate the source code from which such object code may be generated, or (iii) modify or make derivative works of the Services.
(b) Copy, modify, or exploit the contents of the Services for any purpose other than the uses expressly permitted in these Terms.
17.3 Reliance on Collected Consent
You acknowledge and agree that we rely on the scope, purposes, and representations provided by you in designing and conducting consent collection.
We are not responsible for:
(a) inaccuracies in the purposes disclosed;
(b) misuse of data after consent is obtained; or
(c) any processing activities conducted outside the scope of recorded consent.
18.1. Customer Data Ownership
You retain all rights, title, and interest in and to any data, content, or information you provide to us or that is collected from you in connection with your use of the Services, including but not limited to data, business information, and transaction data, whether such data belongs to a third party and is provided by you, or belongs to you (“Customer Data”). Customer Data shall remain your sole and exclusive property.
18.2 Derived Data and Product Ownership
We retain all rights, title, and interest in and to any data sets, reports, analyses, benchmarks, indices, models, products, services, or insights that are generated, developed, or derived by us through the processing, aggregation, anonymization, or other transformation of Customer Data, to the extent that such data is no longer attributable to you or any identifiable individual (“Derived Data”). Derived Data shall be deemed our sole and exclusive property and intellectual property. We reserve the right to develop, license, commercialize, resell, or otherwise monetize any product, service, or output derived from the use or processing of Customer Data, provided it is no longer personally or individually identifiable.
18.3 Use of Derived Data
We may use, share, license, or sell Derived Data, including aggregated and anonymized insights, benchmarks, and indices, to third parties. Such use shall not
reveal the identity of you or any identifiable individual and shall comply with applicable data protection and privacy laws.
18.4 Feedback and Suggestions
If you submit any feedback, ideas, or suggestions regarding improvements to our Services (“Feedback”), you acknowledge and agree that such Feedback is voluntarily given and may be used by us without obligation or compensation to you. Any developments, enhancements, or modifications resulting from such Feedback shall be our sole and exclusive property.
19.1. You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
19.2. You are prohibited to establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
19.3. You are prohibited to establish a link to our Site in any website that is not owned by you.
19.4. Our Site is prohibited to be framed on any other Site, and You are prohibited to create a link to any part of our Site other than the home page.
19.5. We reserve the right to withdraw linking permission without notice.
19.6. The website in which you are linking must comply in all respects with the content standards set out in our Cookies and Acceptable Use Policy.
19.7. If you wish to link to or make any use of content on our Site other than that set out above, please contact us via email ([email protected]).
20.1 Independent Use by You
The Services provided by us may be used by you in various contexts, including for the development, integration, or implementation of financial ecosystems. This includes but is not limited to digital financial services, collaborations with third parties in the financial sector, and initiatives involving financial authorities, banking institutions, financing companies, or other financial service providers. You acknowledge and agree that such use is at your sole discretion and risk.
We shall not be responsible for any consequences arising from such use, to the extent such consequences are not caused by our fault, negligence, or breach of applicable laws.
20.2 Nature of Provided Data and Information
All data and information provided by us to you under these Terms is provided for your general reference only. You understand and agree that such information does not constitute, and shall not be relied upon as, any form of credit assessment, financial advice, loan recommendation, or any other form of professional or regulatory guidance.
Without limiting the foregoing, you acknowledge that data retrieved or displayed through integrations with external government systems (including DJP) may be subject to the logic, workflows, or automated processes of such external systems. We do not control, modify, or override such external system behavior, including the automatic appearance of draft tax return records.
20.3 Opinions Formed by You
Any assessments, analyses, conclusions, or views (“Opinions”) that you derive, produce, or form based on data or information provided by us are solely your own. Such Opinions do not represent the views or positions of us. We make no
representations or warranties regarding the accuracy, applicability, fitness for purpose, or completeness of such Opinions, and shall have no liability whatsoever for any reliance upon or use of such Opinions by you or any third party.
20.4 Consent Collection Disclaimer
The Consent Collection Service is provided as a facilitation and record-keeping mechanism only.
We do not:
Any regulatory, contractual, or legal consequences arising from the use of collected consent remain your sole responsibility.
If any provision of these Terms is held to be invalid, illegal, or unenforceable under applicable law, such provision shall be interpreted, modified, or limited to the extent necessary to comply with such law while maintaining the original intent of the provision to the greatest extent possible. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions of these Terms.
In the event of any inconsistency or conflict between the provisions of these Terms and the provisions of any other agreement entered into between you and us, these Terms shall prevail and supersede, unless otherwise expressly agreed in writing by both parties. These Terms and any such separate agreement shall be construed as a single, integrated agreement. However, if the conflicting provision is required by applicable law, the provision of these Terms shall be adjusted to conform as closely as possible to its original meaning while complying with such law, and such conflict shall not render these Terms invalid as a whole.
These Terms, its subject matter and its formation (and any non-contractual disputes or claims) are governed by the laws of the Republic of Indonesia. We both agree to the exclusive jurisdiction of the District Court of South Jakarta.
Each paragraph of these Terms stands alone and operates separately. If any court or relevant authority decides that any of them is unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.
When we refer to “in writing” in these Terms, this includes email.
25.1. All intellectual property rights in or arising out of or in connection with the Services (other than intellectual property rights in any materials provided by you) will be owned by us and each work is protected by copyright laws and agreements worldwide. All those rights are protected.
25.2. The provision of Services by us to you and the use of Services by you shall not and may not be construed as a transfer or assignment of our intellectual property rights.
26.1. Termination of the Services will not affect your or our rights and remedies that have accrued as at termination.
26.2. Any provision of the Terms that expressly or by implication is intended to come into or continue in force on or after termination will remain in full force and effect.
26.3. The Parties agree to waive the provisions of Articles 1266 of the Indonesian Civil Code to the extent such articles require a court judgment to terminate the Terms.
27.1. We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under the Terms that is caused by any act or event beyond our reasonable control (including, without limitation, technical problems or issues that directly and materially hinders our ability to provide the Services in accordance with the Terms (Force Majeure).
27.2. If an Force Majeure takes place that affects the performance of our obligations under the Terms:
27.3. You may cancel the Terms affected by a Force Majeure which has continued for more than 120 days. To cancel please contact us. If you opt to cancel we will refund the price you have paid, less the charges reasonably and actually incurred us by performing the Services up to the date of the occurrence of the Force Majeure.
27.4. In the event of an Force Majeure (such as a mass blackout lasting more than 24 hours, sustained national chaos lasting 5 working days, etc.), the bankruptcy lawsuit to us or any condition that causes us to be unable to fulfill our obligations to you which entails our account being frozen by the relevant authorities, you as the owner of the escrow account number has the right and can submit a claim to the Indonesian Deposit Insurance Corporation (LPS) in accordance with the procedures determined by the LPS under Law No. 24 of 2004 on Indonesian Deposit Insurance Corporation as lastly amended by Government Regulation in Lieu of Law No. 1 of 2020 and Law No. 4 of 2023, buy only applicable where funds are held in partner banks participating in LPS.
You are prohibited from directly or indirectly soliciting, hiring, or engaging (whether as an employee, consultant, or freelancer) our or our affiliates’ directors, employees, or consultants for the purpose of obtaining Services that are similar or competitive to the Services we provide. This restriction applies during the term of the Services and for a period of twelve (12) months after termination or expiration of the Terms.
29.1. Any notice or communication given whether you to us or we to you in connection with the Terms must be in writing and be delivered personally, by courier delivery service, or email.
29.2. A notice or other communication is deemed to have been received:
(a) if delivered personally or delivery, on signature of a delivery receipt; or
(b) if sent by email, at 9.00 am the next working day after transmission.28.3. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that the delivery of such letter was acknowledged and, in the case of an email, that such email was sent to the specified email address of the addressee.
29.3. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that the delivery of such letter was acknowledged and, in the case of an email, that such email was sent to the specified email address of the addressee.
29.4. The provisions of this clause will not apply to the service of any proceedings or other documents in any legal action.
30.1. Succession, Assignment and Transfer.
30.2. Variation. Any variation of the Terms only has effect if it is in writing and signed by you and us (or the respective authorised representatives).
30.3. Waiver. If we do not insist that you perform any of your obligations under the Terms, or if we do not enforce its rights against you, or if we delay in doing so, that will not mean that we have waived its rights against you or that you do not have to comply with those obligations. If we waive any rights, we will only do so in writing, and that will not mean that we will automatically waive any right related to any later default by you.
30.4. Third party rights. The Terms are between you and us. Unless expressly stated otherwise in the Terms, no other person has any rights to enforce any of its terms.
30.5. Language. The Terms are in English and Bahasa Indonesia. In the event of inconsistency, Bahasa Indonesia version will prevail.
30.6. Governing law and jurisdiction. The Terms is governed by the laws of the Republic of Indonesia and we each irrevocably agree to submit all claim, controversy, dispute or difference of any kind whatsoever arising out of or in connection with the Terms, including but not limited to any contractual, pre-contractual or non-contractual rights, obligations or liabilities, and any issue as to the existence, validity or termination of the Terms, may be brought before the District Court of South Jakarta and it irrevocably submits to the non-exclusive jurisdiction of such court and selects the registrar’s office of such court as its general and permanent domicile for the purposes of the Terms only.