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Terms & Condition

The following terms and conditions (“Terms of Use”) constitute a binding agreement between you and PT Nectico Nusantara Teknologi (“Us”), Services and Applications. By using the Nectico application (“Application”) and / or accessing our website at (“Website”) and using the services provided by the Application or Website, it is deemed that you have read, understood, understood and agreed. all terms and conditions in these Terms of Use knowingly and without coercion.

If you object and / or do not agree to the Terms of Use, we invite you to cancel your account (if you have registered for the Application) and permanently delete the Application from your device.

By agreeing to these Terms and Conditions, you represent and guarantee to us:
    1. that you were not previously suspended, removed or disabled from the Service and,
    2. that your registration and use of the Service is in accordance with applicable laws and regulations.
  1. To use the Service, you must be a member of a cooperative that is a registered cooperative of Nectico and you must create an account using the cooperative code, your KTP number and your mobile phone number through the Website or Application (“Account”). The KTP number and mobile phone number used to create the account are your real KTP number and mobile phone number.
  2. By creating an account, you acknowledge that you are an individual entitled to enter into an engagement.
  3. You are only allowed to have one active account. If the User creates an additional account, this is considered a violation of the Terms of Use.
  4. You will provide true, precise and complete information and will update your information data to maintain the truth and accuracy.
  5. Violation of these Terms of Use will lead to account termination.
  6. If you provide false, inaccurate, or incomplete information, then we reserve the right to suspend or terminate your account.
  7. You are responsible for maintaining the confidentiality and security of your account, and are fully responsible for all activities in the name of your account, and are not allowed to transfer your account to other parties in any way without our knowledge and written consent. If you violate these Terms of Use, all consequences and risks are solely the responsibility of you who transfer the Account.
  8. If you are deemed to have violated these Terms of Use including misuse of the use of the Service, you will be subject to a fine with a value according to our policies and we have the full right to block and/or terminate your access to the Service and take applicable legal steps.

We are committed to safeguarding the data you provide to us regarding the Service.

We authorize you to access, view and use the content contained on the Website and Application (collectively, the “Nectico Properties”) only to the extent necessary for your use of the Service. You are not permitted to remove any copyright, trademark or other proprietary notices that have been placed on the Nectico Property. Unless expressly permitted by these Terms of Use, modification, redistribution, redistribution, republication, uploading, posting, transmission, distribution or exploitation of any means by Nectico Properties, or any part of Nectico Properties, is strictly prohibited without prior written permission.

914 / 5000 Translation results From Nectico you agree, and undertake, that your use of the Nectico Services and Property, or any portion thereof, will comply with the license, limitations and limitations above, and will not violate or violate the rights of any other party or breach any contract or legal duty to another party. In addition, you agree that you will comply with all applicable laws, regulations and procedures relating to the Services, Nectico Property or your use, and that by using the Services, you will not take any action that limits or inhibits other parties. You are responsible for obtaining and maintaining the computer, smartphone and other equipment that you use to access the Service, and for paying such telecommunication fees. We are not responsible for any loss or damage that you suffer due to damage to equipment used in connection with the use of the Service.

We are not responsible for and reject all responsibility for any losses, liabilities, damages (whether direct, indirect or consequential) or costs of any nature that may be suffered by you or a third party in connection with the use of the Service, including inaccuracies, errors, losses. , damage or loss caused either due to failure, delay, interruption of services and content as contained in this Service, in whole or in part.

  1. The application only displays the transaction history of the recording of the cooperative concerned. We are not responsible for errors or mistakes in the recording made by the cooperative.

  2. Applications only forward loan applications to the cooperative in question. Approval of the proposed loan is entirely the authority of the cooperative concerned.

  1. 1014 / 5000 Translation results You agree that you will be personally responsible for your use of the Service and you agree to defend, indemnify and against any and all claims, liabilities, damages, losses and costs including reasonable attorney fees and fees and fees, arising out of or in connection with (a) your access to, use or use of the Service that is alleged to be; (b) breach of any requirement or representation, warranty, or agreement set forth herein, or any applicable law or regulation; (c) your violation of any third party rights including without limitation intellectual property rights, publicity, confidentiality, property rights or privacy rights; Or (d) any dispute or problem between you and any third party. We reserve the right, at our own expense, to bear exclusive defense and control of any matter if you are not indemnified, and in such a case, you agree to cooperate in defending the claim.
  2. You hereby declare that you will release us from claims for compensation for any claims or demands made by third parties due to violations of the Terms of Use and improper use of the Service.

We can at any time without prior notice to change and / or update these Terms of Use. We suggest that you read carefully and check this page of the Terms of Use from time to time for any changes. By continuing to access and use the Service, you are deemed to have agreed to the changes in the Terms of Use.

Website, name, icon, logo, including but not limited to products, graphics, user interface, sound clips, content, scripts, software used to operate the Website are legally owned by us and protected by law. You are strictly prohibited from using, changing, or posting the brands on the Website.

Apart from those already mentioned, you are also not allowed to do the following things:
  1. You must not abuse this Service. You will not commit or support criminal acts, transmit or distribute viruses including Trojan horses, worms, logic bombs or transmit other harmful materials on the Website and Application.
  2. Make actions that can disrupt the system or hinder the operation of the Website and Application.
  3. Take any action that in our logical opinion may result in an unreasonable heavy (data) load or load (data) on our property.

Our Website or Application may provide certain links that refer or direct you to a page from a third party site. You acknowledge, understand, and agree that we are not responsible for the content and / or other materials and privacy practices contained in links belonging to / created by third parties. You are responsible for the risks when accessing and using links belonging to / created by these third parties. We suggest that you can also read and understand the contents of the terms and conditions as well as the applicable privacy policy on the links owned / created by these third parties.

If you have any questions about the Service, or the Terms of Use of the Nectico app please contact us at

Privacy Policy

This Privacy Policy helps you to make decisions about your relationship with PT Nectico Nusantara Teknologi (“Us”). This is important, We hope you will take the time to read it carefully.

Thank you for using the Nectico application (“Application”). This is Our Privacy Policy. By using the Service, registering an account with us, visiting our website, or accessing the Service, you acknowledge and agree that you accept the terms and / or policies described in this Privacy Policy, and you hereby consent to us collecting, using, disclosing and / or processing your personal data as described in this Privacy Policy.

Previously, We would like to explain some of the principles behind the existing policies. These Principles are important to Us because We know they are important to You.

The Privacy Policy exists for the following:

  1. Make us responsible for protecting your rights and your privacy based on this Privacy Policy.
  2. Describe what information we collect and why we collect it.
  3. Describe how we use that information.

The Nectico application is managed and operated by PT Nectico Nusantara Teknologi. This Privacy Policy sets out how to protect and use the information that you have provided when using our services. We are committed to ensuring that your privacy is protected. If we ask you to provide certain identifiable information when using this application, then that information will only be used in accordance with this Privacy Policy.

We may change this Privacy Policy from time to time by reducing or adding provisions on this page. We expect you to check this page periodically so that you can be aware of these changes. By continuing to access and use the Service, we consider you to have agreed to the terms of this Privacy Policy.

Users who have registered on the Application can view, access and use the Service.

To register on the application, you must provide various information that we need and we will collect.

The information we need and will provide voluntarily through the application includes:

  • ID Number (KTP)
  • Full name
  • Gender
  • Date of birth
  • Telephone number (cell)
  • Home address
  • Location (geolocation)
  • Cooperative membership status
  • Transaction activities of members of the cooperative

We assume that all information and changes that you provide above now, or in the future are accurate and true. However, if the information and changes that you provide prove to be incorrect, then we hereby declare that we are not responsible for any consequences that may occur in connection with the provision of such incorrect information and changes.

We may collect, use and / or process your personal data for one or more of the following purposes:

  • For identification and / or verification;
  • For the purposes of displaying transaction history;
  • For research and development activities (including but not limited to data analysis, surveys, product and service development), to analyze how you use our Services and / or improve our Services or our products;
  • For the benefit of developing the Nectico Application;
  • To collect transaction data between you and our business partners, including information about your use of the services we provide;  
  • For our internal documentation;
  • To ensure the technical functioning of the Service, develop new products and services;
  • For the purposes of legal proceedings or comply with or as required by any applicable law or regulation, including, without limitation, meeting the requirements for making disclosures based on legal requirements that bind PT Nectico Nusantara Teknologi.

If there is a situation with a purpose that may not be listed above, we will ask for your consent in advance of that purpose, except for data processing that applies without your consent permitted by the applicable privacy laws.

Anda dapat melihat informasi yang kami simpan tentang Anda kapan saja dengan cara mengakses Aplikasi Nectico pada bagian “Profil Anggota”. Jika terdapat informasi yang salah, Anda dapat memperbaharui melalui koperasi dan Kami kemudian akan melakukan sinkronisasi data untuk memperbaharuinya dengan cepat atau menghapusnya, kecuali jika Kami harus menyimpan informasi tersebut untuk keperluan perusahaan atau hukum yang berlaku.

Kami berkomitmen untuk memastikan bahwa informasi yang Anda berikan kepada Kami dalam keadaan aman. Kata sandi melindungi akun pengguna Anda, sehingga Anda harus menggunakan kata sandi yang unik dan kuat, membatasi akses ke komputer dan browser Anda, dan keluar setelah menggunakan Layanan.

Untuk mencegah akses tidak sah, Kami melakukan tindakan pengamanan fisik, elektronik, dan prosedur manajerial yang diperlukan untuk melindungi informasi Anda yang Kami kumpulkan secara online.

Kami tidak memberikan informasi pribadi Anda kepada perusahaan di luar Kami, kecuali salah satu keadaan berikut berlaku:

  • Dengan persetujuan Anda

Kami akan membagi informasi pribadi dengan perusahaan, organisasi, dan individu di luar Kami jika telah mendapatkan persetujuan dari Anda untuk melakukannya.

  • Untuk Proses Hukum

Apabila diharuskan oleh hukum dan peraturan perundang-undangan yang berlaku di Negara Kesatuan Republik Indonesia.

  • Untuk Mitra Kami

Apabila diperlukan oleh mitra Kami dalam rangka melaksanakan pekerjaannya seperti proses pengiriman email / sms / media komunikasi lainnya, analisa data, layanan bantuan, pemenuhan hasil pencarian, peningkatan sistem keamanan dan privasi, serta peningkatan dan pengembangan Aplikasi dan Layanan.

  • Apabila terjadi pengalihan unit aset atau kepemilikan usaha Kami kepada pihak lain.
  • Apabila diperlukan oleh perusahaan lain dalam Grup Nectico untuk menggunakan informasi Anda sebagaimana ditentukan dalam Kebijakan Privasi ini.

Untuk pengelolaan akun Anda, Kami akan menggunakan, mengolah dan/atau menganalisis Informasi Pribadi dan/atau Nonpribadi yang telah Anda berikan kepada Kami dan/atau koperasi bersangkutan guna pengembangan produk Layanan dan penyediaan penawaran layanan yang lebih menarik kepada Anda.

Aplikasi Nectico dari waktu ke waktu mungkin meminta informasi dari Pengguna melalui survei. Partisipasi dalam survei ini sepenuhnya bersifat sukarela dan karenanya Anda memiliki pilihan untuk mengungkapkan informasi Anda kepada Kami atau tidak. Jika Anda ada dalam survei ini, jawaban Anda untuk survei tersebut akan dikumpulkan dan digunakan kembali dengan cara, antara lain, diolah, dianalisis, disimpan, ditampilkan, dikumpulkan, dikirim dan/atau disebarluaskan, dan/atau dibuka akses pada jawaban tersebut.

Informasi survei juga akan digunakan untuk tujuan memantau dan/atau meningkatkan penggunaan dan kepuasan Layanan serta tidak akan dialihkan ke pihak ketiga, kecuali kepada mitra yang membantu Kami dalam mengelola atau menindaklanjuti survei.

Untuk pengelolaan akun Anda, Kami akan menggunakan, mengolah dan/atau menganalisasi Informasi Pribadi dan/atau Nonpribadi yang telah Anda berikan kepada Kami dan/atau koperasi bersangkutan guna pengembangan produk Layanan dan penyediaan penawaran layanan yang lebih menarik kepada Anda.

Ketika Anda akses website, aplikasi mobile, email, iklan atau konten lain Nectico yang disediakan oleh atau atas nama Kami di websites, microsites atau aplikasi mobile lain, Kami secara otomatis akan merekam Informasi Pribadi dan/atau Nonpribadi tentang Anda yang browser dan/atau aplikasi mobile Anda kirim, salah satunya adalah informasi mengenai lokasi (geolocation).

Catatan ini biasanya mencakup permintaan web, alamat protokol internet, jenis browser, bahasa browser, tanggal dan waktu permintaan Anda dan satu atau lebih cookies yang dapat secara unik mengidentifikasi browser, aplikasi mobile atau Akun(-akun) Anda kepada Kami.

Tindakan lain, seperti interaksi dengan iklan, juga dapat termasuk dalam pencatatan Kami. Selama kunjungan Anda ke website, microsites atau aplikasi mobile Kami, Kami dapat menggunakan alat perangkat lunak seperti JavaScript untuk mengukur dan mengumpulkan informasi mengenai kunjungan tersebut, termasuk waktu tanggapan halaman, errors saat unduh, lama kunjungan ke halaman tertentu, informasi interaksi halaman (seperti scrolling, klik, dan mouseovers), dan metode yang digunakan untuk keluar (browse away) dari halaman.

Layanan Kami mungkin berisi tautan ke situs web dan layanan lainnya. Informasi apapun yang Anda berikan ke situs web atau layanan pihak ketiga diberikan secara langsung kepada pemilik situs atau layanan dan tunduk pada kebijakan privasi pihak tersebut.

Kebijakan Privasi Kami tidak berlaku untuk situs web atau layanan lain tersebut, dan Kami tidak bertanggung jawab atas kebijakan situs web dan layanan tersebut. Kami harap Anda juga dapat memperhatikan dan meninjau kebijakan privasi situs web yang Anda akses.

Jangan ragu-ragu untuk menghubungi Kami apabila Anda memiliki pertanyaan atau keluhan terkait dengan Kebijakan Privasi. Anda dapat menghubungi Kami di


Our contact

Follow Us

Dapatkan Informasi Terbaru Nectico!

Our Address

Jl. Ciwulan no. 34 Cihapit
Bandung, Jawa Barat

18 Office Park Lantai 10 Unit A
Jl. TB Simatupang No. 18
Jakarta Selatan, Indonesia

Supported by

Dinas Koperasi & UMKM Kota Bandung

© Copyright 2020 PT Nectico Nusantara Teknologi. All Rights Reserved.

Our contact


WhatsApp: +62 813 2536 8885

Follow Us

Dapatkan Informasi Terbaru Nectico!

Our Address

Jl. Ciwulan no. 34 Cihapit
Bandung, Jawa Barat

18 Office Park Lantai 10 Unit A
Jl. TB Simatupang No. 18
Jakarta Selatan, Indonesia

Supported by

Dinas Koperasi & UMKM Kota Bandung

© Copyright 2020 PT Nectico Nusantara Teknologi. All Rights Reserved.

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