HOKIbank is committed to protecting and maintaining the confidentiality of customers’ personal data. This document explains how PT Bank Perekonomian Rakyat HOKI (HOKIbank) collects, uses, stores, protects, and discloses your personal information in connection with the use of the HOKIbank Mobile Banking application.
By using this service, you declare that you have read, understood, and agreed to all provisions of this policy.

A.     Data Collection

We collect personal data that you provide directly when registering, verifying your identity, conducting banking transactions, or using application features.

Such data may include :

1. Full Name
2. National Identity Number (NIK)
3. Gender
4. Religion
5. Nationality
6. Marital Status
7. Address
8. Place and Date of Birth
9. Mother’s Maiden Name
10. Telephone Number
11. Email Address
12. Account & Transaction Data: Account Number, Balance, Transaction History
13. Device & Technical Data: Device Type, Operating System, IP Address, Location Information (if enabled)

B.    Use of Personal Data

Your personal data is used to:

1. Process banking transactions (transfers, payments, e-wallet top-ups, QRIS, PPOB).
2. Verify identity to ensure service security.
3. Provide customer service and transaction notifications.
4. Develop features and improve application quality.
5. Comply with legal obligations, OJK regulations, and applicable laws and regulations.

C.    Data Storage and Protection

1. Your personal data will be stored for as long as necessary for processing purposes, fulfillment of legal obligations, or in accordance with the retention periods stipulated by applicable laws and regulations.
2. We implement banking security standards, including encryption and multi-layer authentication.
3. Data is stored only for as long as required for service purposes and legal obligations.

D.    Explicit Consent

By using this application, you provide explicit consent to HOKIbank to process, store, and use your personal data in accordance with applicable laws and regulations, including OJK regulations and the Personal Data Protection Law.

E.    Third Parties

HOKIbank does not sell or lease your personal data. We may only share your personal data with third parties who cooperate with us to support service provision, such as:

1. Payment system service providers.
2. Regulators (such as OJK and Bank Indonesia), in accordance with applicable laws and regulations.
3. Official partners required for transaction settlement.
4. All third parties are bound by confidentiality and data protection obligations.
5. Such third parties are bound by confidentiality agreements and may only use the data for the specified purposes.

All third parties are bound by confidentiality and data protection obligations and may only use the data for the specified purposes.

F.    User Rights

In accordance with the Personal Data Protection Law, you have the right to:

1. Access the personal data we store.
2. Correct inaccurate personal data.
3. Request deletion of data in accordance with legal provisions.
4. Withdraw consent for data processing.

G.    Data Security

HOKIbank implements appropriate technical and organizational security measures to protect your personal data from unauthorized access, loss, misuse, or data breaches.

H.    Cookies & Similar Technologies

The application may use cookies or similar technologies to enhance user experience and collect application usage data.

I.      Changes to the Privacy Policy

This policy may be updated from time to time. Any changes will be notified through the application or HOKIbank’s official website.

J.      Contact Us or Complaints

If you have any questions, complaints, or concerns regarding our services, you may contact us through:
Telp                                            : 0361 – 426788
Whatsapp                              : 0811-3098-1188
Email                                         : cs@hokibank.co.id
Website                                   : www.hokibank.co.id
Address                                   : Jl. Gatot Subroto No. 888, Denpasar
OJK Online Service          : APPK (Consumer Protection Portal Application)

We will follow up on your complaint in accordance with applicable laws and regulations.