Ringkasan Produk & Layanan (RIPLAY) Pinjaman Tunai

1. PT INDONESIA FINTOPIA TECHNOLOGY

PT Indonesia Fintopia Technology (hereinafter referred to as "Easycash") is an Information Technology-Based Joint Funding Service (LPBBTI) platform that is licensed and supervised by the Financial Services Authority (OJK) based on Decree Number: KEP-49/D.05/2020 dated 16 October 2020. Easycash's business activities are carried out in compliance with the provisions of OJK Regulation Number 40/POJK.05/2024 concerning Information Technology-Based Joint Funding Services (LPBBTI).

Easycash provides affordable financial services for all people in Indonesia, especially for those who don't have a bank account (unbanked) and lack access to financial products (underbanked).

Easycash emphasizes the use of Big Data and Artificial Intelligence (AI) based technology to provide reliable services to users.

To learn more details about Easycash, visit https://www.easycash.id/

2. PRODUCT TYPES AND MAIN FEATURE

Easycash Cash Loans is a service for submitting cash loans without collateral with payments in installments. This product can be used by all Easycash users who have been activated and want to apply for a cash loan according to their credit limit.

Main Feature (Last updated on September 23rd,2025)

• Loan Amount : IDR 100,000 – IDR 100,000,000
• Interest Rate ≤6month : 0.01%* - 0.3% per day
• Interest Rate >6month : 0.01%* - 0.2% per day
• Loan Term : 1 – 12 months

*Only for selected customers who are receiving their first loan from Easycash with a high credit limit. *Valid for a tenor of 3, 6, 9, and 12 months.

Easycash Cash Loans can be accessed online by downloading the Easycash application on the Google Play Store (for Android) or via the Apple Store (for iOS), then fill in your personal data to register for an Easycash account.

3. PRODUCT BENEFITS, COSTS AND RISK

Benefits

The Easycash Cash Loan product can be used by users to meet various needs.

Costs

Interest ranges from 0.01% to 0.3%* per day based on the results of a credit risk assessment. Administration fees are included in this interest component. However, late fees and tax fees are not included.

Late interest ranging from 0.01% to 0.3%* per day of the amount in arrears.

*Depends on the loan term

Risks

The risk of funding or default arising from the use of the Easycash Service is entirely the responsibility of the Lender. No state institution or authority is responsible for this risk or provides compensation for losses or other consequences arising in connection with this in any form.

Easycash, with the approval of each User (both Lender and Borrower), can access, obtain, store, manage and/or use User personal data and information ("Utilization of Data") on electronic devices (including smartphones), hardware or software, electronic documents, applications, or electronic systems owned by the User or controlled by the User, by notifying the purpose, limitations, and mechanisms for Utilizing the Data to the User concerned before obtaining the intended approval.

Borrower must consider the loan interest rate and other fees according to their ability to repay the loan before using the Easycash Service.

Every fraud is recorded digitally in cyberspace and can be known by the wider community through social media and can be used as legal evidence according to applicable laws and regulations regarding electronic information and transactions in the process of dispute resolution and law enforcement.

Users must read and understand this information before making a decision to become a Lender or Borrower at Easycash. The User's decision to use the Easycash Service is proof and acknowledgment that the User has fully understood this information.

The Financial Services Authority is not responsible for any violation or non-compliance by the User (both Lender and Borrower), whether due to the User's intention or negligence with the provisions of laws and regulations or the agreement or agreement between Easycash and Lender and/or Borrower.

4. PROCEDURE AND REQUIREMENTS

Procedure

Following are the procedures for applying for a loan at Easycash:

1. Register

Download the Easycash application via Playstore and/or App Store and complete the required personal data.

2. Credit Score Check

The system will automatically check the information that has been provided.

3. Submission

Check the loan limit and submit the desired loan.

4. Consent

After the loan application is approved, the funds will immediately be sent to the registered bank account.

Requiements

If the user wants to apply for a cash loan, the following requiements must be met:

Indonesian Citizen (WNI).
Between the ages of 18 and 60 years.
Settled in Indonesia.
Upload an identity card (KTP) and upload a photo of yourself.
Have at least a bank account on behalf of the borrower.
Does not have loans through more than three (3) Peer-to-Peer Lending Service Providers (LPBBTI) based on Information Technology.

5. SIMULATION

Simulation 1

This simulation uses an example interest rate at a maximum of 0.3% per day (≤6 months tenor).

• Loan value: IDR 1,000,000

• Value of money received by the borrower: IDR 1,000,000

• Loan Interest Rate 9%/month : IDR 90,000

• Amount of money that must be returned within 90 days : IDR 1,270,000

• Amount of bills/installments per month: IDR 423,333

• Loan tenor: 90 days

The first payment will be due 30 days after the loan is approved. Meanwhile, the second installment will mature 30 days from the due date of the first installment.

Example:

You took out the loan on

3 May

First Payment due: 3 May + 30 Days =

2 June

Second Payment Due: 2 June + 30 Days =

2 July

Simulation 2

This simulation uses an example interest rate at a maximum of 0.2% per day (>6 months tenor).

• Loan value: IDR 1,000,000

• Value of money received by the borrower: IDR 1,000,000

• Loan Interest Rate 6%/month : IDR 60,000

• Amount of money that must be returned within 270 days : IDR 1,540,000

• Amount of bills/installments per month: IDR 171,111

• Loan tenor: 270 days

The first payment will be due 30 days after the loan is approved. Meanwhile, the second installment will mature 30 days from the due date of the first installment.

6. ADDITIONAL INFORMATION

Disclaimer (Important to read):

• The information included in this General RIPLAY is the latest provisions until the issuance of a newer General RIPLAY, and Easycash has the right to change the information contained in this General RIPLAY at any time.

• RIPLAY General is only used as a reference to provide an explanation regarding cash loan products and is not and is not intended to create a binding loan agreement.

• The user must carefully read these General RIPLAY terms and has the right to ask Easycash at any time regarding these General RIPLAY.

• Easycash can reject a User's request for a cash loan application if it does not meet the applicable requiements and regulations.

• All information in this General RIPLAY is prepared in accordance with and adapted to applicable laws and regulations, including but not limited to:

1. OJK Regulation No. 40 of 2024 on Information Technology-Based Co-Funding Services;
2. OJK Regulation No. 22 of 2023 on Consumer and Community Protection in the Financial Services Sector;
3. OJK Circular Letter No. 19/SEOJK.06/2025 on the Operation of Information Technology-Based Co-Funding Services;
4. OJK Circular Letter No. 12/SEOJK.07/2014 on the Delivery of Information in the Context of Marketing Financial Services Products and/or Services

7. COMPLAINTS RELATED TO PRODUCTS AND SERVICES

Via Telephone Service For Loan Services and customer complaints from Monday to Sunday At 08:00 - 20:00 WIB Phone : 1500866

Via E-mail You can send e-mail complaints about loans to the e-mail address cs.pinjaman@easycash.id For Loan Services from Monday to Sunday At 08:00 - 20:00 WIB

Via Live Chat You can use the live chat feature in the Easycash application. For Loan Services from Monday to Sunday At 08:00 - 20:00 WIB

Via WhatsApp For Loan Services from Monday to Sunday At 08:00 - 20:00 WIB WhatsApp: 081141500866

Operational Office PT Indonesia Fintopia Technology, Dea Tower 2 Floors 18-20, Mega Kuningan area, Jl. Mega Kuningan Barat Kav. E4 No. 1-2, East Kuningan Village/ Kelurahan district Setiabudi, City of Adm. South Jakarta, DKI Jakarta Province, 12950

SPECIFIC

TERMS AND

CONDITIONS

Campaign Title:

Evergreen

Activity 1:

Chance to receive cashback of up to IDR 20,000 after completing the required information.

Activity 2:

Chance to receive cashback of up to IDR 100,000 after completing the required information.

Activity 3:

Chance to get interest discount of up to IDR 1,000,000 after completing the required information.

Activity 4:

Chance to increase your Easycash limit by up to IDR 10,000,000 after completing the required information.

Activity 5:

Chance to get 30-day interest free after completing the required information.

Marketing Campaign Duration:

Until December 31, 2025

SPECIFIC TERMS

AND CONDITIONS

Campaign Title:

Chance to Get an Interest-Free Coupon

1. Selected new users will have opportunity to obtain a 30 day interest free benefit.

2. Repayment shall consist solely of the loan principal, with no interest obligation for 30 days.

Simulation :

• Loan Value = IDR 10,000,000

• Loan Limit = IDR 100,000,000

• Interest Payable = IDR 0

Number of Days:

Interest Amount Paid:

1st Day

Interest = IDR 0

4th Day

Interest = IDR 0

7th Day

Interest = IDR 0

10th Day

Interest = IDR 0

13th Day

Interest = IDR 0

15th Day

Interest = IDR 0

18th Day

Interest = IDR 0

20th Day

Interest = IDR 0

23rd Day

Interest = IDR 0

26th Day

Interest = IDR 0

29th Day

Interest = IDR 0

30th Day

Interest = IDR 0

Marketing Campaign Duration:

Until December 31, 2025

Download the App

As a licensed and OJK-supervised Information Technology-Based Joint Funding Service. Easycash connects Lenders and Borrowers through an online platform.

DEA TOWER 2 18-20 FLOOR MEGA KUNINGAN AREA

JL. MEGA KUNINGAN BARAT KAV. E4 NO. 1-2, Desa/Kelurahan Kuningan Timur,

Kec. Setiabudi, Kota Adm. Jakarta Selatan, Provinsi DKl Jakarta, Kode Pos: 12950

081141500866

Monday-Sunday (08:00-20:00)

1500866

Borrower: cs.pinjaman@easycash.id

Lender: cs.lender@easycash.id

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ATTENTION

PT Indonesia Fintopia Technology provides peer-to-peer (P2P) lending platform service under the name “Easycash”. Easycash is licensed and supervised by The Financial Services Authority as an Information Technology-Based Co-Funding Service in accordance with the provisions in The Financial Services Authority Regulation No. 10/POJK.05/2022.

Easycash’s Information Technology-Based Co-Funding Service (“Easycash Service”) is a civil agreement between the Lender and the Borrower, so that all forms of risk and legal consequences arising from it are fully borne by each party. Please ensure you understand the risks associated before you use Easycash Service.

The Lender is fully responsible for all funding risks of late or default payments arising out of the use of Easycash Service. No national entity or authority is responsible for any such risks or provides compensation for the losses or other consequences arising in connection with this matter in any form.

Easycash, with the approval of the respective Users (both Lender and Borrower), may access, acquire, store, administer and/or use the Users' personal data and information ("Data Utilization") on the Users' electronic devices (including smartphones or cellular phones), hardware, software, electronic documents, applications or electronic systems owned by the Users or controlled by the Users, by notifying the purpose, limitations and mechanisms of the data utilization to the Users concerned before obtaining such approval.

Lenders who do not have sufficient knowledge and experience in the Information Technology-Based Co-Funding Service are not advised to use this Easycash Service.

Borrowers should carefully consider the loan interest rate along with other costs in accordance with the ability to pay off the loan prior to using Easycash.

All fraudulent activities will be recorded digitally in cyberspace and may potentially be informed to the public through social media and can be used as legal evidence according to the prevailing laws on electronic information and transactions in the event of dispute resolution and law enforcement.

Users should read and understand this information before becoming a Lender or a Borrower on Easycash. The Users' decision to use Easycash Services proves that the Users fully understand this information.

The Financial Services Authority is not responsible for any violation or non-compliance by the User (either the Lender or the Borrower), whether due to the User's faults or negligence of the laws and regulations or agreements between Easycash and the Lender and/or the Borrower.