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StarPOINTS Terms and Conditions

These terms and conditions govern the provisions regarding registration to become a user of Our Services (PT. Starworks Technologies Indonesia), the provision of Our rewards program, and other matters relating to the StarPOINTS program. For clarity and certainty, these Terms and Conditions act as an agreement between You and Us ("Terms and Conditions").

1. Agreement

By Downloading, accessing, and registering to become a user of the StarPOINTS program, you acknowledge that you have read, learned, understood, and agreed to all the provisions outlined in these Terms and Conditions.

2. Definitions

  1. StarWORKS Global: StarWORKS Global is a technology development company that issues products and services including StarPOINTS, StarWALLET, StarCARD, STARXP, STARX, and StarMEX.
  2. StarPOINTS: StarPOINTS is a blockchain-based reward program offered by StarWORKS Global. Users can earn points by making purchases from partner merchants. The accumulation and redemption of points are subject to the terms and conditions set by StarWORKS Global.
  3. STARXP: STARXP is blockchain-based digital points you can earn/receive by every transaction done on StarPOINTS partner merchants and upon participating in StarWORKS project rewards-based activity.
  4. StarWALLET: StarWALLET is a digital rewards wallet developed by StarWORKS Global as a reward management platform for the StarPOINTS program.
  5. StarCARD: StarCARD is a rewards card that entitles the bearer to special rewards to the customers of certain vendors.
  6. StarMEX: StarMEX is the platform for secure fiat currency exchange between countries. Additionally, StaMEX serves as StarPOINTS registration and customer service booth, including StarCARD & StarWALLET.
  7. STARX: STARX is a utility token within the Starworks Ecosystem developed and issued by PT. Starworks Technologies Indonesia.

3. Registration Terms

To access and use the StarPOINTS program, you must first register to become a StarPOINTS member. You can do this registration through:

  1. StarWALLET
    1. To register, You must be an individual who is legally capable under the laws of the Republic of Indonesia or You must be at least 17 years old, and not in custody.
    2. If You register even though You are not a legally capable individual as referred to in the letter above, then You represent and warrant that Your registration has been approved by Your parent or legal guardian.
    3. Upon registering, You must enter a mobile number and an email address that are still active, valid, and accurate and have never been registered with the StarPOINTS program before, into the StarWALLET app.
    4. You are required to complete the registration by email through the confirmation link we send from [email protected] and input the OTP number by SMS/WhatsApp we send to your registered phone number.
    5. You are obliged to always maintain the security and confidentiality of the OTP and the Security Code. For the security of Your account, please do not share, inform, or disclose the OTP code or Security Code to any party, including StarWORKS Global’s officials, customer service, etc.
    6. Each user can only register 1 (one) account with 1 (one) mobile number and 1 (one) email.
    7. StarWALLET 3.0 version allows you to update or change your profile information including your email and phone number.
  2. StarCARD
    1. To register, you must be an individual who is legally capable under the laws of the Republic of Indonesia or you must be at least 17 years old, and not in custody.
    2. If you register even though you are not a legally capable individual as referred to in the letter above, then you represent and warrant that your registration has been approved by your parent or legal guardian.
    3. Upon registering, you must provide information about your mobile number and email address that are still active, valid, and accurate and have never been registered with the StarPOINTS programs before, to StarMEX Staff.
    4. After successful registration, you will receive a StarCARD from StarMEX Staff which can be used for transactions and to get StarPOINTS rewards.
    5. Customers who register through StarCARD are expected but not obligated to connect to their StarPOINTS account in the StarWALLET as well.
    6. You can connect your StarCARD to StarWALLET by tapping your card to StarWALLET (phone must support NFC) or by the StarMEX counter.

4. User Responsibilities

  1. Registration and Account Security: Users must provide accurate and up-to-date information during registration for a better user experience. You are responsible for keeping the confidentiality of your account information, including your login credentials, and for any activity under your account.
  2. Use if Services: Users agree to use the StarPOINTS program and related services in compliance with applicable laws, regulations, and this Agreement. You agree not to engage in unauthorised or fraudulent activities while using Our services.
  3. Data Security and Privacy: StarWORKS Global takes the security of user data seriously. We employ industry-standard measures to protect user information; however it is important to understand that no data transmission over the Internet can be guaranteed as 100% secure. Please refer to Our Privacy Policy for detailed information on how We collect, use, and protect your data.

5. StarPOINTS and STARXP

  1. StarPOINTS is an integrated blockchain-based rewards program that allows users to earn rewards in the forms of STARXP when they do transactions with participating merchants.
  2. The global conversion of 1 STARXP is equal to USD (IDR 15,000), and the value of STARXP in guaranteed with adequate funds according to the value of STARXP you receive. However, the merchants' conversion rate might vary depending on the merchants' policies and regulation programs.
  3. Our internal policies and Our agreements with the parties that cooperate with Us related to the awarding, calculation, and redemption/use of StarPOINTS will be made and implemented while still complying with the applicable laws and regulations or the policies of the competent authority or agency.
  4. Awarding of StarPOINTS:
    1. StarPOINTS will be awarded to You in the form of STARXP everytime. You successfully transact with participating merchants in the StarPOINTS program.
    2. The awarding, calculation, and redemption/use of STARXP are determined by:
      • Our internal policies
      • Our agreements with participating Merchants who cooperate with Us in the awarding, calculation, and/or redemption/use of STARXP;
  5. Redemption of StarPOINTS
    1. You can redeem the STARXP at the participating Merchants to be able to accept the redemption of STARXP, for the payment of goods and/or services at these Merchants.
    2. The amount of STARXP earnings and redemption may vary depending on the terms applied to our partner merchants.
    3. You can check all Merchants that accept STARXP redemption via the StarWALLET app.
  6. StarPOINTS Validity Period: StarPOINTS reward points are non-expiry and can be used as long as your StarWALLET account is still active.
  7. Trade StarPOINTS
    1. A blockchain-based digital rewards point system allows flexibility to exchange the STARXP into goods & services and convert points to STARX as the native currency of StarWORKS.
    2. Members are allowed to trade their points by first swapping their STARXP into STARX via the StarWALLET phone-based APP or web-based APP.
    3. Swapping StarPOINTS into STARX tokens will cost 2.5% of the exchange amount.
    4. STARX is StarWORKS Global's commercial native token that has been listed on LATOKEN and Coinstore.
  8. We prohibit execution of one or more of the following actions:
    1. Actions intended to transfer the ownership of StarPOINTS members to other parties.
    2. Actions intended to get or earn StarPOINTS in fraudulent ways, for example, fictitious/fake transactions to get StarPOINTS, Abusive Acts or manipulative actions to manipulate and trick Our system, or a promotional program to get StarPOINTS.

6. StarWALLET

  1. StarWALLET is a digital rewards wallet developed by StarWORKS Global as a reward management platform for the StarPOINTS program.
  2. StarWALLET can be used for:
    1. Rewards Management, including tracking STARXP balance information, earningss, redemptions, and STARXP transaction history.
    2. Redeeming your STARXP at our partner merchants' PoS.
    3. Viewing StarPOINTS Merchant information including their location, promotional updated, and transaction history.
    4. Swapping and trading of your rewards points.
    5. Other features including asset management, news updates, etc.
    6. Viewing locations where StarCARD usages are available.

7. StarCARD

  1. StarCARD is a rewards card with NFC technology that entitles the bearer to special rewards to the customers of certain participating merchants or entities.
  2. The StarCARD holders are not obligated to commit to holding the card: terminate the card after use and must be done on the StarMEX counter for StarCARD collection.
  3. StarCARD is designed as a tool only to earn and redeem STARXP and participate in StarPOINTS without necessarily connecting to StarWALLET.
  4. Members can check their STARXP balance on the participating merchants, StarMEX counter, or simply connect the card on StarWALLET.
  5. StarCARD can be used to earn and redeem STARXP from transactions at certain merchants in certain areas depending on the program.

8. Account Closure

  1. StarCARD holders could terminate the card after use and this must be done on the StarMEX counter for StarCARD collection.
  2. In relation to StarWALLET usage for the StarPOINTS program, you might deactivate or delete your StarWALLET account. Upon the deactivation and deletion of your account, You understand and acknowledge that any remaining points, including STARX, may be forfeited, aand access to certain features and services no longer be available.
  3. Deactivate action will not delete the StarWALLET account, only stopping the access and losing a few data: once created, your address is permanently on the blockchain and cannot be removed. This includes all your transactions records on the blockchain because Blockchain networks and cryptocurrency protocols make transactions irreversible, and StarWORKS Global has no control over them.
  4. We highly suggest you use/redeem your STARXP at participant merchants and withdraw all your assets before you take this action.
  5. After you deactivate your StarWALLET account, you can reactivate your account within 1 (one) month by logging into your account.
  6. If there is no login activity within 1 (one) month, your account will be entirely end automatically closed.

9. Limitation of Liability

  1. You understand that We may provide information that is important to You or communicate/correspond with You regarding the StarPOINTS program, and/or Other Products through the StarWALLET App, email, social media, and other communication channels.
  2. You understand and acknowledge that You are solely and fully responsible for:
    1. always ensuring that the contacts that You register with Us are correct and always active for providing information to You; and
    2. always regularly checking, reading, and learning, the information and communication/correspondence that We provide through StarWALLET App, email, social media, and other communication channel.
  3. Data and Information:
    1. You hereby understand and acknowledge that We are responsible for the security and confidentiality of:
      1. data and/or information that is stored in Our data storage system;
      2. data and/or information that is collected by Us from You or through Our merchants;
      3. data and/or information that is managed and supervised by Us for You in Our capacity as a tech company.
    2. You hereby understand that You are solely and fully responsible for the security and confidentiality of:
      1. data and/or information that is under Your control and/or supervision;
      2. data and/or information stored by You in any media that is under the control of You or any third parties;
      3. data and/or information that You have never submitted to Us; and
      4. Your data and/or information that has never been or is not under Our control and supervision anymore.
  4. We are not responsible for the consequences arising from:
    1. Your negligence or mistake in keeping the security and confidentiality of Your data and/or information;
    2. breach of security and confidentiality of data and/or information by third parties who collect and/or store Your data and/or information not for Our benefit or not because of Our request; and/or
    3. breach of security and confidentiality of data and/or information that is not caused directly by; Our negligence or mistake in maintaining the security and confidentiality of Your data and/or information or data leakage security incidents from Our side.

10. Purchase and Payment

  1. You understand and acknowledge that; every purchase or payment that You make for the goods and/or services from Merchants or for payment of bills is a legal act or agreement between You and Merchants.
  2. You understand and acknowledge that; if You earn or redeem StarPOINTS Points in a purchase or payment transaction, We only act as a rewards program provider that offers a way for you to get rewarded for your transactions with our partner merchants.
  3. You understand and acknowledge that; all rights and obligations arising from legal actions or agreements between You and Merchants are entirely the responsibility of You and Merchants. Therefore, We are not responsible for the supply, delivery, quality, quantity, and satisfaction of expectations of goods and/or services sold and/or provided by Merchants, and the implementation and fulfilment of rights and obligations arising from legal relationships or agreements between You and Merchants.

11. Compliance with Applicable Laws

You are fully responsible for all consequences arising from violations of the law, and violations of the interests of any party that You commit. We are not responsible for the consequences arising from Your violation of the applicable laws and regulations, or the violation of the interests of others.

12. Other Payment Instrument

You hereby understand and acknowledge that We are a digital rewards program provider that issues blockchain-based digital points, namely STARXP, and We are only responsible for processing payment transactions involving the earning and redeeming of STARXP.

13. OTP Code and Security Code

  1. You hereby understand that the OTP code and Security Code are codes used to access Your account and StarWALLET App and to use the StarPOINTS program. Therefore, You are obliged to always maintain the security and confidentiality of the OTP code and Security Code by always applying and implementing the Precautionary Principles.
  2. We, Our employees, representatives, authorized officers, and affiliates never and will never ask You to submit or disclose Your OTP code and/or Security Code. Therefore, please do not respond to requests from any party asking You to submit or disclose Your OTP code and/or Security Code.
  3. You are solely and fully responsible for the security and confidentiality of Your OTP code, Security Code, and electronic devices (phone or tablet computer), and all consequences arising from Your negligence, error, or carelessness in maintaining the security and confidentiality of the OTP code, Security Code, and Your device.
  4. Please note that certain smartphones or tablet computers have a biometric recognition feature that can be used to replace the Security Code function, which is not a feature that We manage or provide. Therefore, all consequences arising from the use of such a feature are entirely Your responsibility.

14. Errors in the Use of Services:

  1. We strongly urge You to always be careful and thorough in accessing Your account using the StarWALLET App to avoid risks that may occur due to Your negligence or carelessness.
  2. You are solely responsible for using the StarWALLET App and StarPOINTS program carefully and thoroughly to avoid the risks that may occur as a result of Your negligence or carelessness, namely:
    1. failure to access Your account and StarWALLET App or Your account being Blocked as a result of Your carelessness or negligence in entering the OTP code and/or Security Code;
    2. failure or error in the implementation of StarXP token transfers for redemption as a result of Your carelessness or negligence in entering the recipient's mobile number or the recipient's account number;
    3. error in the execution of payment transactions as a result of Your carelessness or negligence in entering the nominal value of the supposed payment transaction;
    4. failure to carry out StarXP token transactions or transfers as a result of Your carelessness or negligence in entering the Security Code, mobile number or account number of the recipient;
    5. failure or error to perform StarXP token top-up as a result of Your carelessness or negligence in entering the mobile number of the top-up recipient;
    6. errors, misunderstandings, or mistakes in the purchase/payment of goods and/or services as a result of Your carelessness or negligence in understanding the goods and/or services You purchase, the terms and conditions that You agree with Merchants related to the purchase/payment, and/or in selecting and determining the goods and/or services You purchase/pay for; and/or
    7. failure, error, mistake, or other misunderstanding caused by Your carelessness or negligence in using the StarWALLET App or StarPOINTS program carefully and thoroughly.

15. Internet Network:

  1. You hereby understand and acknowledge that the access and use of the StarWALLET App and StarPOINTS program require an Internet network. You also understand that disruption to the internet network can cause failures, delays, and restrictions on accessing and utilizing the StarWALLET App and StarPOINTS programs.
  2. You hereby understand and acknowledge that the availability and smoothness of the Internet network are not Our responsibility.

16. Precautionary Principle:

  1. We strongly urge You to always apply the Precautionary Principle, as regulated in Chapter 18.2. on risks of Use in this user agreement every time You are accessing Your StarWALLET App to avoid these risks.
  2. You are solely and fully responsible for applying the Precautionary Principles. We cannot be held responsible for all consequences and losses that arise because of Your negligence or mistake in applying the Precautionary Principles or as a result of adverse events that You experience that are not caused directly by Our negligence or mistake/error in providing StarWALLET App and/or Our services to You.

17. Device Compatibility

  1. We do not give any guarantee that the StarWALLET App can be downloaded or used on all electronic devices, (tablet computers or smartphones), therefore, please ensure that the electronic device You are using is compatible with the StarWALLET App so that You can use the StarWALLET App and its features. The use of electronic devices that do not have compatibility with the StarWALLET App may cause You to not be able to use the StarWALLET App and/or the features in it or hinder the use of the features on the StarWALLET App or other consequences.
  2. We do not give any guarantee that the StarWALLET App and/or the features in it can continue to operate or be used simultaneously with any combination of hardware, software, or devices or systems from any party.

18. Risks of Use

  1. By using StarWALLET and StarCARD you understand and agree that it is your responsibility to keep the card secure. Missing StarWALLET account or StarCARD and unauthorized use by third parties are not our responsibility.
  2. The Precautionary Principle can be applied and implemented in the following ways:

    StarWALLET

    1. By downloading and using the StarWALLET App, You are deemed to have understood all the security risks of using the StarWALLET App, and the StarPOINTS program, namely; balance theft, account takeover, hacking, fraud, or other unlawful acts that may harm You. With these risks, We strongly urge You to always apply the Precautionary Principle in every action You carry out.
    2. Do not give, disclose, and/or submit Your OTP code and/or Security Code to any parties. Please remember Our official officers, and Our affiliates never and will never ask You to disclose and give Your OTP code and/or Security Code.
    3. Do not respond to any form of contact, whether phone calls, emails, or links, that are suspicious and that claims to be from Us. Please check the validity of any contacts that reach out to You that claim to be from Us to the User Support Service.
    4. Always maintain the security and confidentiality of Your OTP and Security Code, Your electronic devices, and Your data and information, especially those relating to Your personal data.
    5. Do not use any software or programs on Your electronic device that can compromise the security and confidentiality of Your data and information.
    6. Do not access Your account and StarWALLET App from electronic devices that You do not own or control.
    7. Always remove traces of Your account access on electronic devices that You no longer use.
    8. Always maintain the security of electronic devices used to access Your account so that they are not lost or fall into the hands of irresponsible parties.
    9. Immediately contact the User Support Service, if You are losing the electronic device used to access Your account.
    10. Immediately contact the User Support Service, if You find any indication of unauthorized access to Your account.
    11. Immediately and only contact the User Support Service to request any assistance regarding the StarWALLET App or StarPOINTS program.
    12. Always update the StarWALLET App software, if there is an update request from the StarWALLET App.
    13. Check regularly for information and notifications provided through the StarWALLET App, Communication Media, or Publication Media.
    14. Always check the veracity of any parties claiming to act for and on behalf of Us (PT. Starworks Technologies Indonesia) and/or Our affiliates. You can contact the User Support Service to check on this matter.
    15. Always check the veracity of every platform, website, and application that claims to be Our official electronic channel. You can contact the User Support Service to check on this matter.
    16. Do not disclose information that can only be known by You to any party, namely; Your personal data, transaction data, OTP code and Security Code.
    17. Do not download or use programs or electronic devices that may contain malware, spyware, viruses, and other programs that can endanger the security and confidentiality of Your data and information, or Your account.
    18. Always change Your Security Code regularly to avoid the risks associated with unauthorized access.
    19. Immediately change Your Security Code, if You know or suspect that unauthorized parties know the Security Code.
    20. Always pay attention to the situation around You while You are accessing Your account or entering the OTP code and/or Security Code, and avoid suspicious environments when You are accessing Your account or entering the OTP code and/or Security Code.
    21. Do not allow any party to use Your electronic device or access/use Your account or StarWALLET App.
    22. Only use Our official channels to access and use the StarPOINTS program or Account Linking. You can contact the User Support Service to get information about Our official channels.
    23. Avoid using public Wi-Fi networks or wifi in public places to access or use Your account and StarWALLET App.
    24. Always take reasonable actions to prevent risks that may harm You.

    StarCARD

    1. Keep your card in a secure place such as a cardholder, bag, purse, or wallet within your reach.
    2. Do not give the card to any other unauthorized person or third party.
    3. You can check the balance regularly at the StarMEX counter or participant merchants, or/and connect the StarCARD to StarWALLET.
    4. If you agree to input your email address and phone number upon registration, you must immediately contact the StarMEX counter or [email protected] to block your card and recover your STARXP balance

19. Account Takeover Risk

  1. Please note that any access to Your account and StarWALLET App and/or use of the StarPOINTS program and/or services available on the StarWALLET App, which is done by entering the correct mobile phone number, OTP code and/or Security Code, will be recognized and considered on Our security system as the access and use that You carry out on Your own.
  2. You hereby understand that We cannot know for sure the parties who access Your account as long as the mobile number, OTP code, and/or Security Code entered in StarWALLET App are correct (valid authentication), Therefore, We again urge You must always apply and implement the Precautionary Principle and maintain the security and confidentiality of Your OTP code and Security Code to avoid the risk of account takeover, and not allow any party to use electronic devices, Your account, and Your StarWALLET App.
  3. If You are aware that there has been an account takeover of Your account or You suspect an account takeover of Your account has occurred, You must immediately contact the User Support Service, to request a temporary Blocking of Your account to prevent any risks that could harm You.
  4. You hereby agree and understand that You cannot file a claim of compensation to Us for the losses that You experienced from the takeover of Your account.

20. Force Majeure

  1. "Force Majeure" is a condition or event that occurs beyond the ability of the party experiencing it to prevent it and cannot be avoided by the party experiencing it, thus causing the party experiencing it to be unable to carry out all or part of its activities that affect the implementation of the rights and obligations of the party experiencing it. Events that are included in the Force Majeure condition, namely; natural disasters, fires, floods, conditions of war, whether declared or not, sabotage, strikes, demonstrations, social unrest, epidemics or pandemics, the promulgation of a statutory regulation, or conditions or events that could not reasonably be prevented by the party experiencing it, which causes the party experiencing it to be unable to carry out the rights and obligations arising from this user agreement.
  2. You hereby agree that Our failure or delay in carrying out Our obligations and/or responsibilities due to the occurrence of an event of Force Majeure cannot be considered an event of negligence or default.
  3. You hereby agree not to file charges, lawsuits, claims and/or ask for compensation for Our delay or failure to carry out and fulfil Our obligations because of an event Force Majeure.

21. Intellectual Property Rights

  1. Unless stated otherwise by Us; StarWALLET App, its support system, operating system, layout, design, display and interface, logo, image, name, brand, and all other parts of StarWALLET App are Our intellectual property rights.
  2. You are prohibited from copying, modifying, adapting, creating derivative works from, distributing, selling, transferring, publicly displaying, reproducing, transmitting, transferring, broadcasting, decrypting, disassembling, hacking, and exploiting StarWALLET App, parts thereof, and intellectual property contained therein.
  3. Unless stated otherwise by Us; StarCARD, its operating system, layout, design, display and interface, logo, image, name, brand, and all other parts of StarCARD including function within our Whitelabel are Our intellectual property rights.
  4. You are prohibited from copying, modifying, adapting, creating derivative works from, distributing, selling, transferring, publicly displaying, reproducing, transmitting, transferring, broadcasting, decrypting, disassembling, hacking, and exploiting StarCARD, parts thereof, and intellectual property contained therein.

22. Amendments to the Agreement

StarWORKS Global reserves the rights to modify or amend this Agreement at any time. Updated versions of the Agreement will be posted on the StarWORKS Global website or communicated to users through other appropriate means. Your continued use of Our services after any modifications to the Agreement constitutes your acceptance of the updated terms.

23. Termination

StarWORKS Global reserves the right to terminate or suspend your access to the StarPOINTS program and related services at any time. In the event of termination, your rights to use the services will cease immediately, and any remaining points may be forfeited.

24. Governing Law and Jurisdiction

This Agreement shall be covered by and construed following the laws of Indonesia. Any disputes arising out of or relating to this Agreement shall be subject to the exclusive jurisdiction of the courts Indonesia.

Please print or save a copy of this Agreement for your records.

By using the StarPOINTS program and related services, You acknowledge that You have read, understood, and agreed to the terms and conditions outlined in this User Agreement.

If you have any questions or concerns regarding this Agreement, please contact Our customer support at [email protected].