Terms of Use

Please read ‘Terms of Use’ carefully. These ‘Terms of Use’ refer to the official website of Perhimpunan Bank-Bank Nasional (‘PERBANAS’, ‘our’, ‘we’ or ‘us’), which is accessible via the address www.Perbanas.org and its variations (‘Website’). By accessing and using perbanas.org, you (‘User’ or ‘you’) have understood and agreed to be bound by all provisions applied in this website. If you do not agree to be legally bound by this Agreement, you are not allowed to use this website. By accessing and using perbanas.org, you will be amount to understanding and acceptance that:

  1. All contents in form of text, photos, audio, video and graphics in Perbanas.org are for information purpose only and are not for commercial transaction purpose e.g. trading and others.
  2. Perbanas.org does its best to ensure that all information on the Website is accurate, however Perbanas.org and any of its agent, including content developer and consultant management, are not responsible for any errors and the delay in data or information, or any loss whatsoever arising out of the use of the Website or information, content or materials included on the Website.
  3. Perbanas.org in no event shall be liable to you for any direct or indirect loss or damage whatsoever from text, photos, audio, video and graphics produced and stated by user or any of its agent in any public articles and contents, such as Podcast Banner, Hyperlink, Polling and others. However, Perbanas.org has authority to edit and remove information from user to prevent losses of other institutions or particular agencies and also to prevent issues of pornography, races, tribes and religions.
  4. All contents in form of text, photos, audio, video and graphics contribute by users or PERBANAS’s partners are responsibility by each individual, not Perbanas.org.
  5. In the event that the Website provides hypertext links to other sites operated by other people, Perbanas.org is not responsible for the privacy practices, nor do we accept any liability in connection with the content of, such websites. You are aware and agree that Perbanas.org do not responsible for contents and other information of such website.
  6. All copyright material, including, but not limited to, text, photos audio, video, and graphics, are copyright of Perbanas.org, unless mentioning source and intellectual property rights
  7. PERBANAS webmasters reserve the right to edit, to add, to remove this Agreement. You are bound by changes, therefore you have to assure this page and check upon Terms of Use applied. You should review these Terms of use on a regular basis to ensure that you are aware of any changes made as you will be legally bound by any amended terms if you continue to use the Website after the changes.


Perbanas.org user must comply with Indonesia law and regulations. You must not upload or transfer through Perbanas.org, materials or others that:

  1. Breach or infringe anyone else’s rights such as patents, trademarks, trade confidential, copyright, publicity or other proprietary.
  2. Breach the norm of decency, abusive, and pornography.
  3. Advise or suggest illegal acts.
  4. Offensive, contravene among tribes, religions, races and groups.
  5. Generate misuse ideology or particular doctrine that is illegal in Indonesia jurisdiction.
  6. Introducing viruses or other malicious code, harmful files or programs that may damage, infect or limit the functions of computer software or hardware, or communication tools, or allow user of misuse computer and other computer connection.
  7. Breach Terms of Use, guide or other policies applied in Perbanas.org.

By using Perbanas.org, you agree to:

  1. Give accurate, update, and complete information about personal detail when submitting online forms in Perbanas.org.
  2. Be responsible for protection and back up data, and/ used tools.

You must not access Perbanas.org in any conditions or attempts that may harm, damage, overload or interfere server and mirror server or Perbanas.org network. You must not attempt to gain unauthorised access, user accounts, computer system or network, by hacking, password mining “brute force” or other attempts.

Webmaster PERBANAS will work with all law implementation official or court obligation who request or guide the vendor to disclose identity of person in charge in materials and information as stated above.


Website Perbanas.org is designed to automatically adjust to the monitor size when user is accessing this website through Personal Computer (PC) or smartphone. However, we advise you to use Internet Explorer 11 version, Mozilla Firefox, Safari or other browsers that support and have updated Flash Player and Javascript.


All copyright material, including, but not limited to, design, photos, artwork, audio, video, and programming code in this website are copyright of Perbanas.org, unless mentioning source and intellectual property rights. You may not modify, copy, edit, or add design, photos, artwork, audio, video, and programming code of this website in any conditions.


You may use Perbanas.org and information content from the Website for your own personal use only, not for commercial purpose. You may download content such as PDF documents, photos, and voice recorder for your own personal use only and as regulated.

Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without our express permission or that of the copyright owner. In the event of any permitted copying, redistribution or publication of copyright material, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyright material.


This Privacy Policy implies policies for handling personal data for Perbanas.org users, unless stated in this Privacy Policy.

Please note that our website provides various links to other websites for your convenience. However, we are not responsible for personal information management policies on those websites. We strongly recommend that you always look and learn personal information handling policies on those sites before providing personal information.