Terms & Conditions Guide for Merchant Websites

A Terms & Conditions page is a mandatory legal document that must be present on your merchant website. The iPaymu verification team will review the completeness and relevance of this page to your actual business practices.

Below are the minimum points that must be included in your website's Terms & Conditions:

---

1. General Terms

State that users who access the website are deemed to have read and agreed to the applicable terms and conditions.

Example:

"By accessing and using this website, you are deemed to have read, understood, and agreed to all applicable Terms and Conditions."

---

2. Company Information

Provide complete company identity:

• Company name or business owner's name
• Business entity type (PT, CV, UD, sole proprietorship, etc.) if applicable
• Operational address
• Official email address
• Other relevant contact information

Example:

"This website is operated by Sample Store / CV Sample Maju, located at Jl. Example No. 1, Jakarta. Email: info@sample-store.com."

---

3. Product or Service Description

Explain in detail:

• Products or services offered
• Service limitations (if any) — e.g., delivery areas, product categories not served, etc.

Example:

"We provide locally produced women's fashion products. Delivery covers Indonesia only. We do not process wholesale orders below a minimum of 10 items."

---

4. User Rights and Obligations

Explain:

• User obligations when using the website or service
• Prohibitions against unlawful use, including fraud, spam, or system abuse

Example:

"Users must provide accurate information when placing orders. Using this website for fraud, money laundering, or other illegal activities is strictly prohibited."

---

5. Pricing and Payments

Explain:

• Accepted payment methods (bank transfer, VA, credit card, e-wallet, etc.)
• Currency used (generally IDR for Indonesian businesses)
• Any additional charges that may apply (shipping, taxes, etc.)
• When a payment is considered successful/valid

Example:

"Payments can be made via bank transfer, Virtual Account, or digital wallets. All prices are in Indonesian Rupiah (IDR). Orders are processed after payment is confirmed by the system."

---

6. Delivery or Service Completion

Explain:

• Estimated delivery time for products or service completion
• Factors that may affect this time (public holidays, stock, location, etc.)

Example:

"Products are shipped within 1–3 business days after payment confirmation. Delivery outside Java may take 3–7 business days depending on the courier."

---

7. Intellectual Property Rights

State ownership of your website's digital assets:

• Logo, brand, interface design
• Product photos, written content, promotional materials

Example:

"All content on this website, including logos, product photos, and text, is the property of Sample Store and protected by copyright. Reproduction without written permission is prohibited."

---

8. Limitation of Liability

State the limits of your company's liability, such as:

• Losses due to misuse
• Service disruptions from third parties (couriers, banks, etc.)

Example:

"We are not responsible for delivery delays caused by courier services or circumstances beyond our control (natural disasters, infrastructure disruptions, etc.)."

---

9. Changes to Terms

Explain:

• That the company reserves the right to update the Terms & Conditions at any time
• How users will be informed of changes

Example:

"We reserve the right to update these Terms and Conditions at any time. Changes will be announced on this page. Continued use of our service after changes constitutes acceptance."

---

10. Dispute Resolution

Explain the complaint and dispute handling mechanism:

• How customers can file a complaint
• Estimated response time
• Resolution path if no agreement is reached

Example:

"Complaints can be submitted via email: cs@sample-store.com. We will respond within 2×24 hours. If no agreement is reached, resolution will follow applicable laws in Indonesia."

---