StarCARD Program Terms and conditions

Welcome to StarCARD !

Programs in which Participating Selling Partners provide services StarCARD give convenience to Customer system non- cash payments where the Customer buy StarCARD containing StarPOINTS ecosystem that can exchange and get used For purchase with products and services, as well can stored and transacted use StarCARD ours, After used, left over balance StarPOINTS ecosystem on StarCARD can exchanged with cash.

Terms and Conditions This arrange provisions about user Our services Starworks Group ("Starworks") which consist from Starworks Group Ltd, a company in Seychelles, and son Our companies and affiliates, including:

• PT Karya Bintang Foreign Exchange, a Indonesian company ("StarMEX"), as manager program business, and as agent For issuance and exchange StarPOINTS ecosystem
• PT Starworks Technologies Indonesia, a Indonesian company ("Star-LABS"), owner and developer technology owned by Starworks

Provision service non- cash payments, and things other related things with StarCARD. For clarity and certainty, Terms and Conditions This applies as agreement between You and Us ("Terms and Conditions").

AGREEMENT

With become user Our services, use StarCARD, or use Our services mean that you declare and acknowledge that you have read, study, understand, and agree all over regulated provisions in Terms and Conditions This. Terms and Conditions this also applies on use Our services via the website and/ or application party third

If you are a Participating Selling Partner, you will sign Vendor Partner Agreement Participants StarPOINTS ecosystem or Participating Selling Partner Agreement StarCARD, with StarMEX which includes your consent to Provision This. You are responsible answer For get used to yourself with Provision this and comply your stated obligations in Provision This.

We got change or renew Provision This from time to the time in effect on the date in the section on document This. With Keep going participate in the Program after date effective from change the, you signify that you agree change the. When Terms This updated, we will give know you with post Updated Terms at our Online Locations, or with other suitable method. You let go right anything for accept announcement every change.

DEFINITION

Except determined otherwise firm in Terms and Conditions these, the terms that begin with letter big in Terms and Conditions This own understandings as following:

• You are party who is User StarCARD or moderate party do registration For become User StarCARD.
• "StarCARD " is system non- cash payments where the Customer buy StarCARD containing StarPOINTS ecosystem that can used For purchase. After used, left over balance StarPOINTS ecosystem on StarCARD can exchanged with cash.
• "POS" is A tools that are managed and used by working partners The same with Us, who can used For access and use Service StarCARD, OK in a way part or whole.
• "We" or "StarCARD" is Starworks Group Ltd which is publisher system non- cash payments server based ie starPOINTS ecosystem.
• "Merchant" or “Seller Partner” is provider goods and/ or services available accept transaction payment with starPOINTS ecosystem, good through Work The same direct with Us, via Work The same with partner Our official, or through permitted methods based on applicable law.
• "User StarCARD" is user Service StarCARD has own StarCARD User StarCARD.
• "Acts of Abuse" is one or more from actions following:
  • Actions that constitute violation on Terms and Conditions This.
  • Actions that constitute violation on regulation applicable legislation, acts fraud, embezzlement, money laundering, funding activity terrorism, payment on goods and/ or service illegal, activities prostitution, or pornography / pornographic action, gambling, or actions others who are violation on interest party anywhere.
  • Harmful action or can cause loss to Us, Users StarCARD others, Merchants, Our affiliates, and/ or parties others are working The same with us.
  • Action taken For get profit private, or done in a way abusive, false, or fictional For get profit personal.
  • Action taken with hack, trick, cheat, and/ or manipulate StarCARD, Service StarCARD, or the system that we operate or systems operated by other working parties The same with Us, and/ or Our affiliates.

A. HOW TO GET A STARCARD

DIRECTLY:

For can use Service StarCARD, you should moreover formerly can direct come to our booth for get StarCARD.

• For can get Your StarCARD must be is capable individual in a way law based on law Republic of Indonesia for do actions law, namely; You must must be at least 21 ( two tens One year ), or Already married, and not currently is under forgiveness.
• If you're not is capable individual in a way law as intended in letter a above This then you represent and warrant that Your registration has been completed approved by a parent, guardian, or your legal guardian.
• When do Your registration is mandatory enter or exchange cash to Us to StarCARD
• For furthermore StarCARD can used For buy products sold by our partners.

B. SERVICE FEES

• On provision Service StarCARD, We reserve the right For impose and impose cost service to you, namely:
  • cost charging balance (top-up) starPOINTS ecosystem via partners and can top up, transfer funds, make deposits direct via Bank or other top up methods as available from time to time;
  • costs other on the services we provide later the day we will inform you to you before loading on costs the applies effective in accordance with provision regulation current regulation.
• The value of the fees that we charge and impose to you is as we informed you to you via StarCARD, our official website.

C. starPOINTS ecosystem

• StarPOINTS ecosystems are a rewards program in which Participating Selling Partners give to Customer those who are known as StarPOINTS ecosystem, which can exchanged at Participating Selling Partners with products and services, as well can stored and transacted use StarCARD ours.
• Rewards and redemptions moment This applied with a Base Value of 1 StarPOINTS ecosystem = Rp. 15,000. If we change mark swap between StarPOINTS ecosystem and Rupiah ("IDR") or change currency to be base mark StarPOINTS ecosystem, we will tell to you first first, and if need we will adapt balance StarPOINTS in a way fair. Giving, calculating, and exchanging / using starPOINTS ecosystem is defined by:
  • Our internal policies;
  • Our agreement with Our working partners The same with Us in giving, calculating, and/ or exchange / use starPOINTS ecosystem; and/ or
  • provision regulation current regulation or policy from authority or authorized agency.
• In connection with This understand and comprehend that enforcement on giving, calculation, and exchange / use starPOINTS ecosystem can different.
• Obedience:
  Our internal policies and our agreements with working parties The same with Us related with giving, calculation, and exchange / use starPOINTS ecosystem will created and implemented with still subject to provisions regulation current regulation or policy from authority or authorized agency.
• Use starPOINTS ecosystem:
  • you can use starPOINTS ecosystem at the Merchants that we determine For can do payment on goods and/ or services to these Merchants.
  • You need to know that No all Merchants can accept exchange starPOINTS ecosystem, starPOINTS ecosystem only can exchanged at the Merchant that we have determined For can do reception starPOINTS ecosystem.
  • You need to know that We can too set restrictions in exchange / use starPOINTS ecosystem on Merchants. Therefore that, please also remember that No all Merchants can accept exchange starPOINTS ecosystem full or accept combination exchange starPOINTS ecosystem with payment use starPOINTS ecosystem.
  • In case you do exchange starPOINTS ecosystem for merchants who can accept exchange starPOINTS ecosystem combination with payment starPOINTS then we can determine percentage starPOINTS ecosystem that can exchanged in a way combination with payment starPOINTS ecosystem
• Limitations and Prohibitions:
  • We forbid it implementation implementation of one or more from actions following:
    • Intended action For get profit personal with violating methods regulation current regulation or violate right or Our interests or any other party.
    • Intended action For get or obtain starPOINTS ecosystem with ways cheating, for example: transactions fictitious / fake For get starPOINTS ecosystem or Abuse Actions or action manipulative For trick and deceive Our system or a promotional program For get starPOINTS ecosystem.
• We have the right For interesting return, cut, and/ or cancel giving and/ or limit use starPOINTS your ecosystem, because one or more condition following:
  • Underlying transactions he gave starPOINTS ecosystem cancelled.
  • Underlying transactions he gave starPOINTS ecosystem indicated is something action cheating, action violation on Terms and Conditions this and/ or regulation current regulation.
  • There is error system / calculation from Our side that causes you to accept starPOINTS ecosystem as it should be you don't accept.
  • We are required For interesting return, cut, cancel giving, and/ or limit use starPOINTS your ecosystem by authority or authorized agency.
  • One or the other happened or more conditions that cause us to have to do correct as arranged in the CHAPTER regarding Correct.
• In case we have to carry out withdrawal return, deduction, and/ or cancellation starPOINTS your ecosystem then We will inform it to you via our website.
• If you have question related starPOINTS ecosystem, please refers to the center help available on the starPOINTS ecosystem or you can contact Service Help User as arranged in the CHAPTER about Service Help User from Terms and Conditions This.

D. STARCARD CLOSURE

• Closing StarCARD :
  "Closing" is deactivation StarCARD User your StarCARD directly permanent. Closing on StarCARD you can happen because one or more things following This:
  • We got order from authority, agency, or competent court or based on regulation applicable laws For do Closing on Your StarCARD.
  • You asked Us to do Closing on Your StarCARD for objective security or objective other. In case you ask Alone Closing Your StarCARD.
  • Your StarCARD is proven has used For do something the action which is violation over one or more regulated provisions in Terms and Conditions This or commit an act of abuse, OR you are proven has breaking one or more regulated provisions in Terms and Conditions This or committing acts of abuse.
  • Your StarCARD is proven has used For money laundering, financing activity terrorism, or action violation on regulation applicable laws, OR you are proven has do the action which is money laundering, financing activity terrorism, or action violation on regulation current regulation.
  • Your StarCARD is proven has used For do something the action which is violation on regulation current regulation or violation on interest any other party, OR you are proven has do the action which is violation on regulation current regulation or violation on interest any other party.
  • Your StarCARD is proven has used For do something possible actions harm us and/ or party anywhere, OR you are proven has do possible actions harm us and/ or any other party.
  • We, based on Our own considerations and policies, decide that Closing on Your StarCARD must be done For objective Our security and/ or any other party.
  • you, based on sufficient evidence and information, stated has die.
  • Closing StarCARD will cause Your StarCARD does not can used For access and use StarCARD and Services StarCARD in a way permanent (disabled in a way permanently) and permanently whole.
  • We will close StarCARD You if not used during One year or more. You can too ask in a way more carry on things related with Closing Your StarCARD to Service Help User.
• Claim starPOINTS ecosystem:
  
  • you can submit claim on balance your still starPOINTS ecosystem remaining in Your StarCARD with come Service Our Booth Help.
  • In terms of implementation claim balance starPOINTS ecosystem requires happen implementation of fund transfers from us to the bank account you specified then We will wearing fund transfer fees to the account you are referring to For accept melting balance starPOINTS ecosystem in accordance with provision regulation current regulation.
  • For clarity, if at the time Closing Your StarCARD happened, you still own balance starPOINTS ecosystem then balance starPOINTS ecosystem you in StarCARD the will scorched with instantly.

E. OBLIGATIONS, PROHIBITIONS, AND VIOLATIONS

• Obligation:
  • You are obliged For use StarCARD, Service StarCARD, and Products Others, with faith both, legitimate purposes and not violate regulation applicable laws and regulations with Terms and Conditions This.
  • You are obliged For access and use StarCARD, Service StarCARD, and Products Other with full caution, in fact careful and thorough.
  • You are obliged comply and implement all over regulated provisions in Terms and Conditions This.
• Prohibition:
  • You are banned For do or involved in implementation actions that constitute Abuse.
  • You are banned For do charging repeat balance starPOINTS ecosystem (top up) using illegal sources of funds or funding sources based on facilities credit or source of funds that is not is source of funds (cash).
  • You are banned For provide service cashing starPOINTS ecosystem to public.
  • You are banned For provide service charging balance starPOINTS ecosystem (top up) to society, without agreement written moreover formerly from U.S.
  • You are banned For on behalf of us (Starworks Group Ltd) and/ or Our affiliates in carry out actions whatever, without agreement written moreover formerly from U.S.
  • You are banned For provide data and information false or misleading that can be detrimental to us, the users StarCARD others, and/ or party anywhere.
  • You are banned For do the actions that constitute violation on Terms and Conditions These are the rules applicable legislation, and interests party anywhere.
• Violation:
  • Violation over one or more provisions in Terms and Conditions this, good you did or what happened from Your StarCARD, causes us to have the right For take one or more from actions following This:
    • Do Blocking on Your StarCARD.
    • Do Closing on Your StarCARD.
    • Stop provision StarCARD and/ or Service StarCARD, OK For part or overall and for temporary time or in a way permanent .
    • Stop your access to Product Others, fine For part or overall and for temporary time or in a way permanent.
    • If the violation you committed cause material loss to us, the user StarCARD others, and/ or any other party.
    • If the violation you committed cause you to No legitimate get starPOINTS ecosystem, and/ or benefit from services whatever.
  • Delivery and implementation mentioned sanctions in letter a above depending on the level severity on violations committed and the resulting impacts consequence from violation the
  • We will inform you about the actions we take in frame enforcement on the violation you committed or what happened from Your StarCARD, via StarCARD website.

F. REPRESENTATIONS AND WARRANTIES

• You with This declare and guarantee that :
  • you are capable individual For do action law based on the laws in force in the Republic of Indonesia, in particular For give agreement on Terms and Conditions This; And
  • You are individuals who have aged 21 ( two tens one year or more, or Already married, and you're not is under forgiveness.
• If you don't fulfil condition the skills in question in Number 1 above, you represent and warrant that all over the actions you take connection with StarCARD, Service StarCARD, and/ or Product Other has approved by parents or guardian or your legal guardian.
• You represent and warrant that the funds are used in frame transaction payment, fund transfer, top up repeat starPOITS, and payments Service StarCARD, Products Other, and/ or applicable fees based on Terms and Conditions This is sourced funds from legitimate sources and not is the source of the funds from the actions that constitute money laundering, financing activity terrorism, gambling, and acts others who are violation regulation laws in force in the Republic of Indonesia or is violation on interest party anywhere.
• You represent and warrant that all data and information that you submit to Us and/ or Our affiliates for objective registration , upgrade, management claims , and goals other connection with connection the law that occurred between you and us is data and information that is valid, correct and accurate , as well as delivery or submission of data and information the to Us it is not is something violation on regulation current regulation or interest party anywhere .
• You represent and warrant that all over access , use and utilization that you do on StarCARD, Service StarCARD, and Products Others, done in a way valid, with faith OK, and no violate regulation current regulation or interest party anywhere.
• Purchase and Payment:
  • You understand and acknowledge that; every purchase or the payment you make on goods and/ or service from Merchant or For payment bill is deed law or agreement between you and the Merchant.
  • You understand and acknowledge that; in things you use starPOINTS ecosystem and/ or do exchange starPOINTS ecosystem in something transaction purchase or payment then We just Act as provider service facilitating payments processing transaction purchase or payment the.
  • You understand and acknowledge that; all over rights and obligations that arise from deed law or agreement between you and the Merchant is fully not quite enough answer you and the Merchant. Therefore that, We don't responsible answer on supply, delivery, quality, quantity and satisfaction expectation goods and/ or services sold and / or provided by the Merchant, and implementation as well as fulfillment rights and obligations that arise from connection law or agreement between you and the Merchant.
• Obedience Against Applicable Law: You are responsible answer full on all over the consequences that arise from violation law, and violations interest party whatever you do. We do not responsible answer on the consequences that arise from violation regulation applicable legislation, or violation interest the other party that you do.
• Instrument Other Payments: You with This understand and acknowledge that We are provider service payment server based ie starPOINTS ecosystem, and We only responsible answer on processing transaction payment made with use starPOINTS ecosystem and/ or with exchange starPOINTS ecosystem.

I. DISCLAIMER

• We do not give guarantee whatever that StarCARD or used on all device electronic, ( tablet computer or smartphone), therefore that , please For ensure that device the electronics you use compatible with StarCARD so you can use StarCARD and its features. Use device electronics that don't own compatibility with StarCARD can cause you don't can use StarCARD and/ or the features in it, or hinder use features on StarCARD or consequence other.
• We do not give guarantee whatever that StarCARD and/ or the features in it can still operate or used in a way simultaneously with combination device hard, device soft, or device anywhere or system from party anywhere.

G. PAYMENT SERVICES

• You need to know a number of type Service StarCARD can accessed through service payment provided party the third which is provider service support payment or provider service payment other ("Services Payment").
• Please be careful in use Service Payment from party third. Make sure that Service The payment you use provided by the party the third which is partner Our official. you can ask regarding This to Service Help User. We do not can requested accountability on all over the consequences that arise from use Service StarCARD through Service No payment provided by partners Our official.

H. RISKS OF USE

• With use StarCARD, you are considered has understand and comprehend all over risks security in use StarCARD, Service StarCARD and Products Others, namely; theft balance, takeover StarCARD, hack, scam, or actions others who are violation the law can harm you. Related with risk We strongly urge you to always apply Principle Caution.
• Principle Caution can implemented and implemented with ways following:
  • Always guard security your StarCARD so it doesn't is lost or fall to hand parties who do not responsible answer.
  • Just using place We are officially in use Service StarCARD or Linking StarCARD. you can contact Service Help User For get information about spot-on Our official.
  • Always do appropriate actions done For prevent possible risks harm you.

I. INTELLECTUAL PROPERTY RIGHTS

• Except stated otherwise firmly by Us; StarCARD, system supporting system operation, layout, design, appearance and travel interface, logo, images, name, brand, and so on part other from StarCARD is right riches Our intellectuals.
• You are banned For copy, modify, adapt, create work derivative from, distribute, sell, divert, display in advance general, make reset, transmit, move, broadcast, decipher, disassemble, hack and exploit StarCARD, section thereof, and rights riches intellectual content contained therein.

J. FORCE MAJE

• "Force Majeure" is circumstances or conditions that occur outside ability the party experiencing it For prevent it and not can avoided by the party experiencing it, so cause the party experiencing it No can carry out all over or part influential activities to implementation rights and obligations from the party experiencing it. Incidents included to in Force Majeure, namely; disaster nature, fire, flood, conditions war, whether declared or no, sabotage, strike, demonstration, riot social, epidemic or pandemic, promulgation something regulation legislation, or condition or incident that happened reasonable No can prevented by ability the party who experiences it, who causes it the party experiencing it No can carry out rights and obligations that arise from Terms and Conditions This.
• you with This agreed that failure or Our delay in carry out obligations and/ or not quite enough Our answer is caused by the occurrence something Force Majeure is not can considered as something incident negligence or default.
• you with This agreed For No will submit lawsuit, suit, claim and/ or request change loss on lateness or Our failure is deep implement and fulfill Our obligations caused by a Force Majeure.

K. APPLICABLE LAW AND DISPUTE RESOLUTION

• Entire regulated provisions in Terms and Conditions This organized and interpreted based on applicable laws in the Unitary State Republic of Indonesia.
• you with This agreed that all over disputes that arise from Terms and Conditions This will resolved in a way discussion For reach something agreement.
• in a way Individually, they also have rights For submit solution on dispute to District Court.

L. VALIDITY PERIOD

Entire provisions in Terms and Conditions This start applies since you became User StarCARD and will still applies during One year :

• As long as you access and use StarCARD and/ or Service StarCARD; and/ or
• As long as you still are registered as User StarCARD or you still own StarCARD User StarCARD that hasn't disabled in a way permanent (closed in a way permanent).
• you with This agreed For rule out provision in Article 1266 Civil Code throughout about it needs something decision or determination court For end something agreement. So that termination connection law between You and Us based on Terms and Conditions This can end or ended without need something decision or determination from court.

Q. USER ASSISTANCE SERVICES

Entire request information, request services, complaints and claims related with Your StarCARD, StarCARD, Services StarCARD, and Terms and Conditions This must be delivered only through Service Help User. Service Help User can contacted through contacts Our official as following:

telephone to number;

email to address support@ starworksglobal.com; or

center help available on StarCARD.

you can ask partners and places service Our official; place registration, top-up partners and places, and partners and places pull cash Our official through Service Help User as intended in this CHAPTER .

R. CHANGES

We got review and change Terms and Conditions This on Our consideration for ensure that provisions in Terms and Conditions This consistent with Our developments in the future, and/ or If there is change regulation applicable laws and / or order from authority or authorized agency or regulation applicable legislation that mandates or oblige us to change provisions in Terms and Conditions This.

We will inform you about change via the StarCARD website no later than 30 ( three twenty ) days Work before change the applies in a way effective, and change intended will held in accordance with provisions imposed by Bank Indonesia in particular about protection consumer as relevant.

You are responsible answer Alone For always and consistently routine check, read, and study the information we convey to you via the StarCARD website.

S. CANCELLATION

invalidity on something provision in Terms and Conditions This Because its implementation something regulation legislation or reason other No will in a way automatic cancel enforceability on provisions other in Terms and Conditions This. In terms of there is something regulation legislation that makes one provision in Terms and Conditions This become cancelled or No can applied then you and we agree For consider that provision the in a way automatic has customized with provision from regulation legislation the.

Q. LANGUAGE

If Terms and Conditions This made in Indonesian and English so English version only will applies as translation from Indonesian version for makes it easier understanding Terms and Conditions This for party whoever needs it. If there is difference between second version so the Indonesian version will be valid and English version will considered has customized with Indonesian version automatic

U. EFFECTIVE DATE

Terms in Terms and Conditions This is the version that we apply in a way effective since date January 01, 2024.