Terms of Use and Information Policy

By taking into account the Indonesian prevailing laws, every data and information which provided through this website will be deemed and remain to be the property of FWD, and FWD has the right to use it for FWD’s business purposes.

Copyrights, trademark, logo, information and material, including but not limited to text, image, photo, video, audio, database, and software provided in this website protected by the law and no party is allowed to modify, multiply, store, deliver, copy, distribute, publish or used for developing different material or use it for commercial or public purposes or without FWD’s permission.

Data and information, including text, graphic, video, audio, link or other materials contained in this website may be changed from time to time in accordance with FW Life’s policy. Data and information, published in this website considered to be public information. FWD does not guarantee the accuracy or completeness of information including for not responsible for any loss caused by the inaccuracy or incompleteness of the respective information. Without FWD’s permission, none of information contained in this website may be copied or redistributed.

Each product or services referred or offered in this website apply in FWD’s jurisdiction. Any party who is in different jurisdiction accessing this website, shall be deemed understand the prevailing law and put FWD free from any claims which may arise in relation with the use of data and information of this website by the respective party.

Any party accessing this website is suggested to obtain a professional advice according to their needs for every product or services offered by FWD.

Security and confidentiality of data and information sent through the internet cannot be guaranteed. FWD is not responsible for any direct, indirect, specific or sustainable caused by the use of this website. Internet communication may be hampered, disturbed, disconnected, or not perfectly delivered due to the internet network disruption or false data transmission.

This website may contain links to other sites that is not operated by FWD. FWD does not responsible for collection, storage, utilization, and disclosure of personal data through the respective other sites. The use of links to other sites by you will become your own risk.

FWD’s website may include hyperlinks to third party websites. FWD has no control over the content, accuracy, expressed opinions, and links provided at these third party websites or how these third party websites deal with your personal data. You should visit these third party websites for details of their privacy policies in relation to their handling of your personal data. 

FWD may use ‘cookies’ to improve our internet service. A cookie is a small file of letters and numbers that automatically store on your computer's browser and can be viewed by FWD’s website. Cookies also help FWD’s website to recognize you and your list of favorites or most common use when visiting the website, as well as assisting FWD in customizing the website to suit your need.

The data collected by cookies are customization of anonymous data. Therefore, there are no data concerning your name, address or any data that can enable other parties to contact you via telephone, email address and other forms of contact. There are also no personal data of customers stored in cookies. However, you may block the use of cookies by customizing your browser setting, but blocking our cookies may impact your usage on our website or online services, causing difficulty in entering transaction with us via FWD’s website and taking longer to request additional data.