Terms and Conditions
PT Vertika Technologies Nusantara (“Rey“ or “We“) understand that You may want to skip reading these Terms and Conditions, but it is important for You to know what to expect from us and what we expect from You when You use our Platform and/or Services. Please take the time to read these Terms and Conditions before enjoying our Platform and/or Services, as by downloading, using, and/or accessing the Platform and/or Services, You agree to these Terms and Conditions, which will legally bind You. Therefore, it is recommended that You read this first.
“You“ in these Terms and Conditions refers to the User and Member of Rey's Platform and/or Services.
These Terms and Conditions constitute a valid and binding agreement between You and Rey and are an integral part of Rey's Privacy Policy, which You can access here. The matters covered in these Terms and Conditions include:
a.
General Provisions;
b.
Terms of Use;
c.
Membership Terms;
d.
Services for You;
e.
Fees, Payments, and Refunds;
f.
Subscription and Automatic Renewal;
g.
Intellectual Property Rights;
h.
Other Provisions; and
i.
Contact Us;
If You do not agree to these Terms and Conditions, You are advised to stop downloading, using, and/or accessing Rey's Platform and/or Services.
A.
General Provisions
1.
Rey is a technology company that provides health membership services, which include fitness features, wellness programs, protection products (health insurance), teleconsultation services, and medication purchase services accessible through the Rey Platform.
2.
The Platform refers to the website operated and/or owned by Rey (www.rey.id); and/or the mobile application provided by Rey, which are available in both Android and iOS versions.
3.
Through the Rey Platform, we provide a means for connecting You with Service Providers, which are third parties who offer services to You, including, but not limited to, insurance companies, insurance brokers, hospitals, teleconsultation services, health stores, fitness feature providers, payment service providers, and other third parties (“Service Providers“).
4.
The services we provide through the Rey Platform include:
a.
Insurance Products;
b.
Teleconsultation;
c.
Health Store;
d.
Payment Card;
e.
Fitness Features;
f.
ReyCare;
g.
Point Redemption and
h.
Other services that we may add to the Rey Platform from time to time.
i.
(Hereinafter referred to as the “Services”).
5.
You understand that we are a technology company. The services on the Rey Platform are provided by Service Providers, and we act as an intermediary to access and/or deliver the Services through the Rey Platform. As permitted by applicable law, any errors caused by negligence and/or omission by the Service Providers, which are not caused by Rey, are fully the responsibility of the Service Providers to You.
6.
We always try our best to ensure that the Rey Platform remains secure, comfortable, and functions properly, but we cannot guarantee that its operation or access will always be flawless. Additionally, the information and/or data contained on the Rey Platform may not always occur in real-time.
7.
Each time You download, access, and use the Rey Platform and/or Services, You agree and understand that we may process your Personal Information, including obtaining, collecting, processing, analyzing, storing, improving, updating, displaying, announcing, transferring, disseminating, disclosing, deleting, and/or destroying it, subject to the provisions of the Privacy Policy, which is an integral part of these Terms and Conditions.
8.
You understand and agree that the User utilizes the Rey Platform at the User’s own risk, and the Rey Platform is provided to the User on an “as is” and “as available” basis without any warranties, whether express or implied. We do not allow You to use someone else’s account or provide your account to others without our prior permission.
B.
Terms of Use
1.
You represent and warrant that You are an individual with the legal capacity to enter into a binding agreement under the laws of the Republic of Indonesia and that You are at least 18 (eighteen) years of age or married and not under guardianship or curatorship.
2.
If You are under 18 years of age and unmarried, under guardianship or curatorship, or have a disability under guardianship, You represent and warrant that You have obtained consent from your parent or legal guardian.
3.
By giving consent, the parent or legal guardian of the User agrees to be responsible for:
a.
All actions of the User regarding access to and use of the Rey Platform and/or Services;
b.
Any fees related to the User's use of Rey Membership; and
c.
The User’s compliance with these Terms and Conditions.
4.
If You are registering on behalf of a business entity or association, You also represent that You are authorized to act on behalf of and represent such business entity or association and to bind the entity or association to these Terms and Conditions. Furthermore, You represent and warrant that the User has the right, authority, and capacity to use Rey Membership and will always comply with these Terms and Conditions.
5.
You may access and use certain Services on the Rey Platform without creating an account or becoming a Rey Member. However, You understand that to enjoy all the Services provided by the Rey Platform fully, You must have an account and become a Member of the Rey Platform. The provisions regarding Rey Membership are expressly outlined in Section C of these Terms and Conditions.
6.
You can create a Rey account by registering yourself through the Rey Platform. To create an account on the Rey Platform, You must register and provide your Personal Information that is accurate and legally accountable, as requested by the Rey Platform. The Personal Information You provide will only be used by us and the Service Providers to deliver Services on the Rey Platform, as well as for other purposes approved by You under the provisions of the Privacy Policy and applicable laws and regulations.
7.
After registering on the Rey Platform, You will receive a personal account that can be accessed using a One Time Password (OTP) sent via WhatsApp and/or SMS to your mobile phone number and/or email address. We ask that You do not share, transfer, or authorize others to use your identity or account. You must keep your account password and any identification we provide for your account or Information confidential.
8.
You are responsible for all use of your account on the Rey Platform. If, for any reason, You lose control over your account, You are required to report it to us. If your account is misused by others before such a report is made, any use of your account during that period will remain your responsibility.
9.
You are prohibited from harming, abusing, altering, and/or modifying the Rey Platform in any way, including but not limited to:
a.
spreading viruses, spam, or similar technologies that may damage and/or harm the Rey Platform and other users of the Rey Platform;
b.
adding or transferring features on the Rey Platform without Rey's consent;
c.
placing information or other applications that violate the intellectual property rights of others on the Rey Platform;
d.
collecting Personal Information from other Rey Platform Users without their consent;
e.
using the Rey Platform for purposes prohibited by applicable laws and regulations.
10.
We reserve the right to close or cancel your account and prohibit You from accessing or using the Rey Platform if, in our judgment, You have violated or failed to comply with these Terms of Service.
C.
Membership Terms
1.
Rey Membership is a health membership service provided by Rey for You, accessible through the Rey Platform.
2.
You understand and agree that Rey Membership is a paid service and can only be accessed or used after You subscribe to one of the available subscription plans on the Rey Platform and meet the requirements set by Rey, the Insurance Company, Service Providers, and applicable laws in Indonesia.
3.
We reserve the right to verify your subscription application for Rey Membership based on all the information, documents, and/or statements You have provided, according to the standards set by us, the Insurance Company, and applicable laws. Therefore, we have the right to determine your eligibility to access Rey Membership. Once deemed eligible, we will digitally forward your information, documents, and/or statements to the Insurance Company.
4.
The final decision regarding the acceptance or rejection of your Rey Membership application rests with Rey and the Insurance Company. You agree and understand that You cannot make claims, lawsuits, and/or demands regarding the process and any final decisions related to Rey Membership as outlined in these Terms and Conditions of Service.
5.
We have the right to discontinue, suspend, or terminate your Rey Membership or Service for certain reasons, including but not limited to:
a.
the information, documents, and/or statements You provided during the Rey Membership subscription process are not true;
b.
there is a specific reason to protect the rights and/or interests of others;
c.
other reasons determined by the Insurance Company or Service Providers;
d.
You violate these Terms and Conditions;
e.
You download, access, or use the Rey Platform or Services to commit fraud, criminal acts, corruption, terrorism, money laundering, or other actions prohibited by applicable laws in Indonesia; and
f.
You engage in improper conduct, such as harassment and/or using abusive language towards our Service Providers, either verbally, in writing, via video, photo, or other media through the Rey Platform.
6.
As a Rey Member, You are obliged to comply with all these Terms and Conditions, including but not limited to the Privacy Policy, Insurance Policy, Membership Guidebook, and the terms and conditions required by each Service Provider, which are an integral part of these Terms and Conditions. If You violate these Terms and Conditions, we reserve the right to refuse, cancel, suspend, and/or terminate your Membership.
D.
Services for You
1.
Insurance Products
a.
Insurance Products are the primary benefits You receive as a Rey Member, covering outpatient and/or inpatient care, depending on your subscription plan.
b.
When using the insurance services, You understand and agree that we act as an intermediary in facilitating the digital insurance coverage process and claim submission between Rey Members and the Insurance Company.
c.
We will send the Insurance Policy along with the Membership Guidebook via digital media no later than 3x24 hours after You complete the payment for Rey Membership through the email address registered in your account.
d.
The type and value of coverage that Rey Members can claim will be stated in the Insurance Policy according to the subscription plan You choose. You agree and understand that the Insurance Company has full authority to determine the status of your claim and is responsible for all consequences arising from the claim process.
e.
You agree and understand that in the claim process, You must comply with the provisions of these Terms and Conditions, the Privacy Policy, the Insurance Policy, and the Membership Guidebook. If You violate, bypass, and/or do not comply with these provisions, we and/or the Insurance Company have the right to reject your claim.
2.
Teleconsultation
a.
The Teleconsultation service allows You to interact with Rey’s Partner Doctors, either provided by Rey or the Service Providers, via chat, voice call, and video call on the Rey Platform.
b.
You must provide information and describe the symptoms or physical complaints You are experiencing completely, clearly, and accurately when conversing with Rey's Partner Doctors via the Teleconsultation service.
c.
The Teleconsultation service on the Rey Platform is not compulsory or binding. The decision to use this Teleconsultation service is entirely up to You. Rey acts only as a digital platform between You and Rey's Partner Doctors.
3.
Health Store
a.
We collaborate with Health Stores as Service Providers to supply medication for You.
b.
The Health Store service cannot be used for the purchase and delivery of drugs classified as narcotics, psychotropics, and certain controlled substances as stipulated by applicable laws in Indonesia. The decision to consume the medication delivered by our Partner Health Store is entirely up to You. Rey acts only as a digital platform between You and the Partner Health Store, and we are not responsible for any effects that may arise from the consumption of the medication.
4.
Payment Card
You will receive a debit card, which You can only use for payment transactions at hospitals or healthcare providers approved by us to facilitate the claim process.
5.
Fitness Features
a.
We provide services encouraging You to live a healthy lifestyle.
b.
Our Fitness Features can help You track your water consumption, the number of steps You take, and other features we may add from time to time to improve our services for You.
6.
ReyCare
You can contact the ReyCare team, which consists of Rey’s team members with medical backgrounds, to assist You in using our health features and services, including medication delivery, outpatient care, and inpatient care.
7.
Point Redemption
If You successfully achieve your goals in the Fitness Features, You will earn points that can be redeemed for various exciting rewards available on the Rey Platform.
8.
Further provisions regarding the implementation of Services on the Rey Platform, including but not limited to Insurance Products, Teleconsultation, Health Store, Fitness Features, Payment Card, and claims, will be outlined in more detail in the Membership Guidebook, which You will receive along with the Insurance Policy.
E.
Fees, Payments, and Refunds
1.
You acknowledge and agree that the subscription fees for Rey Membership listed on the Rey Platform are not fixed and may change.
2.
The Rey Membership fees You must pay us are based on your chosen subscription plan.
3.
The Rey Membership fees are valid for twelve (12) months (“Membership Period”). You can make a one-time payment for twelve (12) months or opt for monthly payments. If You choose monthly payments, the payment will be made every month, and You are required to pay before the due date each month until your subscription period ends.
4.
All taxes arising in connection with the purchase of Rey Membership will be the responsibility of each party, i.e., You and us, by applicable tax laws and regulations in the Republic of Indonesia.
5.
The payment methods available through the Rey Platform include but are not limited to (a) Credit Card, (b) Virtual Account, (c) e-wallet, or (d) transfer to the account designated by the Insurance Broker. Once You purchase the Rey Platform, You authorize us to charge using the payment method You selected, and You agree to promptly pay all amounts due upon our request using the payment method You chose until You cancel it.
6.
We may use third-party services to provide payment services. In case of payment system failure, we will make our best effort to help resolve any issues that may arise. You understand and agree that the banking/payment service provider You choose may charge additional fees for the services provided.
7.
You agree and understand that any mistakes and/or negligence on your part related to payments through the Rey Platform, including but not limited to providing credit card information used as a payment method and/or providing the OTP code received from the issuing bank to other third parties, are entirely your responsibility.
8.
Refunds
In general, all purchases are non-refundable, and there are no refunds or credits for partial periods of use. We may make exceptions if a refund is requested within fourteen (14) calendar days from the date the policy was received by You, provided that no claims have been paid to You.
F.
Subscription and Automatic Renewal
If You fail to pay, You will not receive any Rey Membership Services.
The Membership Period will automatically renew each year. Your subscription will be renewed at the end of the period according to the applicable Rey Membership fee for your current plan unless You cancel the subscription. To avoid a new subscription fee, You must cancel by notifying us before the end of the Rey Membership Period. Deleting your account or removing the app from your device does not cancel your subscription. You will be notified about any price changes for the subscription plan You have chosen and given the opportunity to cancel it. If You do not cancel, You will be charged the current subscription fee at Rey.
G.
Intellectual Property Rights
1.
The intellectual property rights in and related to the Rey Platform, including but not limited to: (a) copyright, patents, trademarks, designs, licenses, and usage rights (whether registered or unregistered); (b) know-how, inventions, and software codes; and (c) all other intellectual property rights or forms of protection available worldwide, including logos, trademarks, software, and/or materials listed on the Rey Platform, are wholly owned, licensed, or controlled by us or the legitimate intellectual property owners (“Intellectual Property Rights”).
2.
Any part or parts of the Rey Platform may not be reproduced, reverse-engineered, decompiled, tampered with, disassembled, modified, distributed, republished, displayed, broadcasted, hyperlinked, mirrored, framed, transferred, or transmitted in any way or method, or stored in any information retrieval system, or installed on any server, system, or equipment without our written permission. Permission to use the Intellectual Property Rights will only be granted to You for downloading, printing, and/or using the Rey Platform for personal and non-commercial use, provided that the User does not alter the Intellectual Property Rights and that we retain ownership or retain the rightful owner of such Intellectual Property Rights.
3.
No part of the Rey Platform implies that Intellectual Property Rights are transferred to any party without our written consent or the legitimate intellectual property owner’s consent.
4.
You grant us a non-exclusive license to use any material or information that You post or submit through the Rey Platform and/or provide to us by other means, including but not limited to questions, reviews, comments, and suggestions. When publishing comments or reviews on the Rey Platform, You also grant us the right to use your name in connection with the reviews, comments, and/or other content. You may not use a false email address, impersonate anyone other than yourself, or mislead us, the Service Providers, and/or the Insurance Company or any other party regarding any information You provide to us.
H.
Other Provisions
1.
These provisions are governed and comply with Indonesian law and are made in both Indonesian and English versions. If there is any discrepancy in interpretation, the Indonesian version shall prevail.
2.
Dispute Resolution
a.
These Terms and Conditions are made and interpreted under the laws of the Republic of Indonesia.
b.
Any disputes or differences of opinion that may arise from the implementation of these Terms and Conditions will be resolved amicably through discussion and consensus.
c.
If an amicable resolution is not achieved, all disputes arising from these Terms and Conditions will be resolved and settled through the Indonesian National Arbitration Board (BANI), located at Wahana Graha, 1st & 2nd Floor, Jl. Mampang Prapatan No. 2, Jakarta 12760 (“BANI”), under BANI’s administrative and procedural rules.
d.
The arbitration process will be conducted in Jakarta, Indonesia, using the Indonesian language.
e.
Arbitration will be conducted before three (3) arbitrators appointed under BANI’s rules. The arbitration decision will be final and binding. The arbitrator’s decision cannot be reviewed or appealed in any court. An order to execute the decision may be submitted to any court with jurisdiction.
3.
Risk Release
You understand and agree that if You have a dispute with one or more Partners, You release Rey (including its parent company, affiliates, subsidiaries, directors, and employees) from claims, demands, lawsuits, and/or other legal actions for any material or immaterial damages or losses arising from the dispute, including but not limited to losses arising from the purchase of Products or other issues, as well as delivery and/or payment provided by the Partner. Therefore, You knowingly waive any legal protection (found in laws or other regulations) that would limit the scope of this release.
4.
Promotions
a.
We may offer promotions to You, each subject to different terms and conditions.
b.
We reserve the right, without prior notice, to cancel your use of promotions if we find indications of fraud or violations by You against these Terms and Conditions, the promotion’s terms and conditions, or applicable laws. For such cancellation, we will not provide any compensation, and You agree to release us from any claims, demands, lawsuits, and/or legal actions related to the cancellation of your promotion use.
5.
You understand and acknowledge that all health articles displayed on the Rey Platform are for educational purposes and do not serve as a substitute for medical advice, diagnosis, or treatment from the Rey Platform and/or Services.
6.
The Rey Platform may contain links that direct You to other sites operated by third parties. In this case, You agree and understand that we are not responsible for the quality, content, or information of the products or services on those sites. These Terms and Conditions only apply to the Rey Platform and/or Services.
7.
As Rey evolves, we may need to change these Terms and Conditions from time to time to protect your and our interests (“Changes”). If we make Changes, they will be displayed on this page, and we will indicate the effective date of the updates at the bottom of this page. You should check this page periodically to stay informed of any Changes.
8.
Your continued use of our Platform and/or Services after any Changes constitutes your acceptance of the Changes, and You will be legally bound by the updated Terms and Conditions. If You do not accept any Changes to these Terms and Conditions, You must immediately stop using our Platform and/or Services.
I.
Contact Us
If You have any questions and/or complaints regarding these Terms and Conditions, please contact Rey in writing at:
PT Vertika Technologies Nusantara (Rey) Address: Sampoerna Strategic Square, South Tower 19th Floor, Jl. Jend. Sudirman Kav. 45 – 46, Jakarta 12930, Indonesia Email: [email protected] Phone/WhatsApp: +62 811-1499-739
Consumer Complaint Service Directorate General of Consumer Protection and Trade Order, Ministry of Trade of the Republic of Indonesia Phone/WhatsApp: +62 853-1111-1010
Effective Date These Terms and Conditions were last updated and are effective as of January 12, 2023.