Privacy & Policy

At PT. Bagi Bagi Sukses Makmur (BBSM), your trust is the cornerstone of our business. Through our MyInOut platform, we are committed to respecting and protecting your privacy. This Privacy Policy outlines the types of personal data we collect, the purposes for which we use it, and the measures we take to safeguard your information. By using MyInOut, you agree to the terms described in this policy. We encourage you to read it thoroughly to understand how we process your personal data.

1. Introduction

This Privacy Policy explains the commitment of PT. Bagi Bagi Sukses Makmur (BBSM) to protecting your privacy and ensuring that your data is handled responsibly. We recognize that privacy is a fundamental right and strive to ensure that our practices align with Indonesian regulations, such as the Personal Data Protection Law (PDP Law), as well as international standards like GDPR. This Privacy Policy governs all interactions you have with the MyInOut platform, encompassing both the website and mobile application.

2. What Personal Data We Collect

We collect various types of personal data to enable us to provide our services effectively and personalize your experience. Personal data refers to any information that can directly or indirectly identify an individual. The categories of data we collect include, but are not limited to:

2.1 Data You Provide Directly

When you register for an account, use our services, or interact with our support team, you may provide us with:

• Identity Information: This includes your name, email address, phone number, date of birth, and other identifying details you input into the MyInOut platform.
• Financial Data: Bank account numbers, transaction histories, payment methods, and other details necessary for facilitating income and expense tracking.
• Communication Records: Any messages, feedback, or inquiries sent to us, whether via email, chat, or other communication channels.

2.2 Data We Collect Automatically

When you use our platform, we automatically collect certain data through cookies, analytics, and device interactions. This data includes:

• Device Information: Details about the device you use, such as model, operating system, browser type, and unique device identifiers (e.g., IMEI numbers).
• Usage Patterns: Insights into how you interact with our platform, such as the time spent on features, pages viewed, and transaction actions performed.
• Log Data: System-generated logs that capture activities like login timestamps, error events, and feature access records.
• Location Data: Geographic coordinates obtained through GPS, Wi-Fi, or network services, provided you have enabled location sharing.

2.3 Data from Third Parties

We may also receive personal data from external sources to enhance your experience. This includes:

• Social Media Integrations: Data from platforms like Google or Facebook if you choose to log in via these services.
• Banking and Payment Partners: Information related to transactions processed through our integrated payment systems.
• Marketing and Analytics Providers: Aggregated insights about user behavior and preferences.

3. How We Use Your Data

Your data enables us to provide, improve, and personalize the MyInOut experience. Below, we explain the key purposes for processing your data in detail:

3.1 Delivering Our Services

We use your data to:

• Facilitate the recording and analysis of your financial transactions.
• Provide insights into your income and expense patterns.
• Verify your identity to prevent unauthorized access.

3.2 Enhancing Your Experience

Your data helps us to:

• Personalize content, recommendations, and features.
• Analyze usage patterns to identify areas for improvement.
• Create tailored promotions or offers based on your preferences and behaviors.

3.3 Marketing and Cross-Selling

With your consent, we may:

• Share your data with financial partners, such as banks or insurance providers, to present co-branded offers or exclusive financial products, like credit cards or loans.
• Use anonymized data to develop market insights and target advertisements.

3.4 Compliance and Security

We process your data to:

• Detect and prevent fraudulent activities.
• Comply with legal, regulatory, or contractual obligations.
• Ensure the security of your data and our platform.

4. How We Share Your Data

Sharing your personal data is an important aspect of providing our services. We take great care to ensure that your data is shared responsibly and in compliance with all legal requirements.

4.1 Sharing with Service Providers and Partners

To deliver our services effectively, we collaborate with third-party providers, including:

• Banking and Financial Institutions: If you express interest in specific financial services, such as loans or credit cards, we may share your data with our partner banks for cross-selling opportunities.
• Technology Partners: Cloud storage providers, analytics platforms, and security services that help us maintain and improve our infrastructure.
• Marketing Partners: For personalized advertising campaigns and promotional activities.

4.2 Regulatory Compliance

We may disclose your personal data to government authorities, law enforcement agencies, or courts when required by law or to protect the rights and safety of our users and the company.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal data may be transferred to the successor entity to ensure continuity of services.

5. Your Rights and Control

We respect your rights under Indonesia’s PDP Law and international data protection regulations. You have the following rights regarding your personal data:

• Right to Access: Request a copy of the personal data we hold about you.
• Right to Rectification: Update or correct inaccuracies in your data.
• Right to Deletion: Request the removal of your personal data when it is no longer necessary.
• Right to Consent Withdrawal: Revoke your consent for data processing at any time.
• Right to Data Portability: Obtain your data in a structured, machine-readable format.

You can exercise these rights by contacting us via hello@myinout.io. We will respond to your request within seven business days.

6. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes described in this policy or to comply with legal obligations. Specifically:

• Financial and Transaction Data: Retained for up to 10 years to meet regulatory requirements.
• General Data: Retained for up to 5 years after account closure.

After the retention period, we securely delete or anonymize your data.

7. Security Measures

We prioritize the security of your personal data by implementing the following safeguards:

• Encryption of sensitive information during transmission and storage.
• Regular security audits and vulnerability assessments.
• Restricted access to personal data, limited to authorized personnel only.

8. Cookies and Tracking Technologies

Our platform uses cookies to:

• Improve your browsing experience by remembering preferences.
• Monitor site traffic and usage patterns.
• Deliver advertisements tailored to your interests.

You can manage your cookie preferences through your browser settings.

9. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or regulatory requirements. Any material updates will be communicated through email or in-app notifications.

10. Contact Us

If you have any questions or concerns, you can reach us at:

• Email: hello@myinout.io
• Address: PT. Bagi Bagi Sukses Makmur