Privacy Policy

Effective Date: April 4, 2026

Last Updated: April 4, 2026

At STAI Imam Syafi’i Loan Portal, we recognize that financial data is a trust (Amanah). This Privacy Policy describes how we collect, use, and protect your information when you use our loan comparison tools, application tracking systems, and financial advisory services at https://loans.stai-imamsyafii.ac.id.

1. Information We Collect

To provide ethical lending solutions and accurate loan comparisons, we must collect specific personal and financial data.

1.1 Information You Provide Directly

  • Identity Data: Name, National ID (KTP), Student/Staff ID (NIM/NIDN), and contact details.

  • Financial Data: Income statements, bank mutasi (transaction history), and existing debt obligations.

  • Academic Data: Enrollment status and GPA (often required for student-specific loan eligibility).

  • Guarantor Data: Contact information for family members or guardians if required by specific loan structures.

1.2 Information from Third Parties

With your explicit consent, we may pull data from:

  • Campus Financial Records: To verify tuition payment history.

  • Sharia Credit Bureaus: To assess historical repayment patterns for external lending partners.

2. How We Use Your Information

In accordance with institutional ethics, we use your data solely for the following:

  • Eligibility Assessment: To determine which Sharia-compliant loan products fit your financial profile.

  • Application Processing: To facilitate the transmission of your data to vetted internal or external lending committees.

  • Repayment Management: To send reminders and manage the schedule of your active loans.

  • Regulatory Compliance: To meet reporting requirements set by the Financial Services Authority (OJK) and Bank Indonesia.

3. Data Sharing and Disclosure

We do not sell, rent, or trade your financial data. Disclosure is limited to:

  • Vetted Lenders: We only share your full profile with specific lenders (internal funds or partner Islamic banks) after you choose to apply for a specific product.

  • Notaries & Legal Reps: When necessary to formalize a loan agreement (Akad).

  • Legal Mandates: When required by law, court order, or to prevent financial crimes like money laundering.

4. Your Privacy Rights

Under the Indonesian UU PDP, you have the right to:

  • Access & Review: See exactly what financial data we have on file.

  • Restrict Processing: Limit how your data is used for non-essential services (e.g., marketing of new loan products).

  • Data Portability: Request a digital copy of your financial data to be moved to another institution.

  • Erasure: Request the deletion of your account once all financial obligations (loans) are fully settled.

5. Security and Encryption

5.1 Infrastructure

We utilize Bank-Grade AES-256 encryption for all sensitive financial documents. Our servers are housed in Tier-III data centers with 24/7 security monitoring.

5.2 Access Control

Access to your loan application data is strictly limited to the “Need-to-Know” principle—only authorized loan officers and Sharia compliance auditors can view your records.

6. Retention of Data

Financial records are retained for a minimum of five (5) years following the full settlement of a loan, as required by Indonesian financial auditing standards. Non-active application data is purged after twelve (12) months.

7. International Data Transfers

While we primarily store data within Indonesia, some cloud-based security tools may process anonymized data globally. We ensure all partners adhere to equivalent or higher privacy standards than those required by Indonesian law.

8. Contact Our Privacy Office

For questions regarding your loan data or to exercise your rights, please contact the STAI Imam Syafi’i Privacy Team:

  • Email: [email protected]

  • Mailing Address: STAI Imam Syafi’i, Loan Portal DPO, [Insert Physical Address], Cianjur, West Java, Indonesia.

Our Promise: We manage your data with the same integrity that guides our academic and spiritual mission. Your financial privacy is our priority.

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