Personal Data Protection at PT Chandra Sakti Utama Leasing

We, at PT Chandra Sakti Utama Leasing, value and are committed to protecting your privacy and personal data. This policy explains how we collect, store, use, and protect the personal data you provide to us in connection with the financing process services.

PT Chandra Sakti Utama Leasing, conveys that before using and/or utilizing any product and/or service from CSULfinance, We invite you to read, understand and study Our privacy policy related to the processing of personal data that We carry out on your data and/or information, whether We receive through Our electronic system, third parties who work with Us, or received directly from You and with Your consent.

This privacy policy applies to personal data subjects including:

• Prospective employees, employees, and former employees;
• Prospective debtors, debtors and former debtors;
• Vendors who collaborate with the company;
• Supporting Services that collaborate with the company; and
• Other parties who can access and manage personal data controlled by the Company to support the Company's business objectives, as well as other parties affiliated with PT Chandra Sakti Utama Leasing.

1. Personal Data Processing

“ Personal Data Processing ” refers to all actions and/or actions and/or activities on the process carried out on personal data, including but not limited to the acquisition, collection, processing, analysis, storage, correction, updating, disclosure, deletion, or destruction either automatically or manually. Personal Data Processing can only be done after we obtain your consent. Therefore, it is necessary to understand and know that our company's services depend on your personal data. We do not guarantee or ensure that services to you can be provided if you do not give us your consent in terms of processing your personal data . Personal data processing includes various activities as follows:

1. Collection : Collecting personal data either directly from the individual concerned or from other legitimate sources such as (Financial Institutions or Credit Information Providers and other institutions in accordance with statutory provisions).
2. Recording : Storing data in physical or electronic form for administrative record keeping purposes.
3. Organizing and Arranging: Grouping and arranging data according to financing service needs.
4. Storage:  Storing personal data for a certain period of time in accordance with legal provisions and the company's operational needs.
5. Changes or Updates: Updating personal data information to ensure that the data is always accurate and up to date.
6. Disclosure: Providing access or sharing data with relevant personal data subjects (such as credit institutions, payment partners and legal authorities), only if permitted by law or with the consent of the personal data subject.
7. Erasure and Destruction: Deleting or destroying personal data when it is no longer necessary for operational and legal purposes.

We will process the Personal Data that you provide as long as it meets one of the following conditions:

1. your (Personal Data Subject) consent legally and explicitly.
2. Exercising rights and obligations based on agreements and/or other equivalent documents between us and you (Personal Data Subject).
3. In order to carry out orders from authorized government authorities/institutions/agencies in accordance with applicable laws and regulations.

PT Chandra Sakti Utama Leasing always ensures that personal data processing is carried out with attention to data security and confidentiality, and in accordance with Law No. 27 of 2022 concerning Personal Data Protection . So that personal data is not accessed or used unauthorizedly.

2. Personal Data We Collect

We may collect the following personal data from you to carry out the purposes of use, as we have stated in the Purposes of Personal Data Collection, earlier in the collection. Our personal data is divided between general Personal Data and specific Personal Data:

General Data:

Specific Data:

As a personal data subject, you can have the option to refuse or provide your personal data to CSULfinance, both general and specific personal data, as long as the request for personal data is not personal data that is mandatory for CSULfinance in providing services to you.

3. Purpose of Use of Personal Data Collection

The personal data we collect will be used for financing activities, including:

1. Carrying out the Financing Process: this is to ensure your eligibility to receive services from us; includes the credit analysis process, surveys and other financing activity processes.
2. Communications: Contacting you regarding payments, contract extensions, product offers or information related to products and services.
3. Fulfillment of Legal Obligations : Fulfilling applicable laws and regulations and reporting to the Financial Services Authority.
4. Analysis and Service Improvement : Using data for internal analysis and improving the quality of the products and services we offer.
5. Use of Data by Third Parties: Use of personal data used by third parties who cooperate and/or are affiliated with PT Chandra Sakti Utama Leasing during the financing period includes, the Financial Services Authority (OJK), vendors, notaries, insurance companies for the process of using the Services by you, including but not limited to providing financing facilities, credit scoring, registration of fiduciary guarantees, closing insurance coverage, reporting to regulators (OJK, PPATK, or other government institutions/agencies in accordance with the provisions of laws and regulations) after first obtaining your approval .

4. Your Rights as a Personal Data Subject

As a personal data subject you have the following rights regarding your personal data:

1. Personal Data Subjects have the right to receive clear information regarding the purpose of using personal data.
2. Personal Data Subjects have the right to gain access and obtain a copy of their personal data.
3. Terminate processing, delete and/or destroy personal data as long as you are no longer using the Service or have entered the personal data storage retention period.
4. Withdraw consent to the processing of personal data, which has been given to PT Chandra Sakti Utama Leasing, as long as the purpose of use has been achieved and/or there are no services still being used by you.
5. Request to complete, correct, or update inaccurate or incomplete personal data.
6. Object to decisions based solely on automated processing, including profiling, that have legal consequences or otherwise affect you .
7. File legal action for violation of personal data processing by PT Chandra Sakti Utama Leasing.
8. Restricting the processing of personal data in certain situations.

The rights of personal data subjects listed above may be excluded for certain conditions in accordance with the provisions of applicable laws and regulations regarding the protection of personal data.

5. Data Retention Period

We will only store your personal data in accordance with the company's data storage provisions and in accordance with applicable laws and regulations in order to fulfill the purposes stated in this policy.

6. Cookies

Whenever you use and/or visit the Application, certain information may also be collected automatically using cookies . Cookies are small application files that are stored on your computer or mobile device. Most mobile devices and internet browsers support the use of cookies , but you can adjust the settings on your mobile device or internet browser to decline certain types of cookies or certain specific      cookies .

7. Consequences and other provisions

1. Personal Information you submit for publication on the site will be published on the internet and may be viewed through the internet worldwide. We cannot prevent the use and misuse of such information by others.
2. You are responsible for keeping your password and user details confidential. We only need your password when you log in to our site.
3. You are fully responsible for any losses that arise, both material and immaterial, if there is a violation of personal data protection, caused by your negligence or intentional actions or those of a party authorized by you.
4. We are not responsible for the protection of Personal Information on any sites that have links to and from this Site.
5. User access history files (access logs) on this site are stored automatically to enable PT Chandra Sakti Utama Leasing to perform statistical analysis of site usage conditions, which helps us improve this Site.
6. We implement security measures that include limiting access to personal information and labeling documents containing sensitive information to ensure data confidentiality and integrity. These efforts are intended to prevent unauthorized access, leakage, or misuse of information. However, users are also expected to ensure the security of their data by following applicable policies.
7. You must notify Us immediately of any breach or threatened breach of security on this site. We will also notify You, as required by applicable law, through Our communication channels, whether directly or indirectly. We will provide You with sufficient details about the breach and the steps that will be taken to protect Your Personal Data from misuse.

8. Lawsuit and Receipt of Compensation

1. Personal Data Subjects have the right to sue and receive compensation for violations, whether based on errors or negligence of the Personal Data Controller, in the processing of Personal Data about them, such compensation can be material or non-material.
2. Violations, for example, include Personal Data processing activities that do not comply with the obligations in the provisions of laws and regulations, resulting in, among other things, unauthorized access to Personal Data, unauthorized retrieval of Personal Data, restrictions and/or refusal to fulfill the rights of Personal Data Subjects in the law on Personal Data Protection, and/or restrictions on the implementation of the rights of Personal Data Subjects as regulated by laws and regulations.
3. Material compensation in the form of providing an amount of money with a value equivalent to the loss suffered by the Personal Data Subject due to processing activities by the Personal Data Controller and/or Personal Data Processor.
4. Non-material compensation in the form of recovery measures or other measures other than providing a sum of money to restore the conditions of protection of the Personal Data Subject's Personal Data to the conditions prior to the occurrence of the Personal Data processing violation in accordance with the obligations of the Personal Data Controller and/or Personal Data Processor under laws and regulations.
5. Personal Data Subjects submit a request for compensation to the contact listed in this privacy notice.
6. Personal Data Subjects submit a request for compensation for violations of Personal Data processing to the Personal Data Controller and/or Personal Data Processor by submitting:
7. If the Personal Data Subject requests compensation beyond that which can be requested from the Personal Data Controller, the Personal Data Controller has the right to refuse the request for compensation.
8. Notification of processing or rejection of the compensation request will be notified no later than 3 x 24 (three times twenty four) hours after the compensation request is received.

9. Policy Changes

PT Chandra Sakti Utama Leasing may review, update and adjust this privacy policy from time to time in order to improve our privacy policy and compliance with applicable provisions . Any changes will be notified on this page. This privacy policy was last reviewed and updated on June 05, 2025.

10. Contact us

If you have any questions or concerns about this policy or how we process your personal data, please contact us at:

PT Chandra Sakti Utama Leasing