RISK DISCLAIMER
Shared Information Technology-Based Funding Service is a civil agreement between the Funding Provider and the Fund Recipient, so that all risks arising from this agreement are borne entirely by each party; Credit risk or default risk is fully borne by the Funding Provider. There is no government agency or authority responsible for this default risk;
The Organizer, with the consent of each User (Funding Provider and/or Fund Recipient), accesses, obtains, stores, manages, and/or uses Users’ personal data (‘Data Utilization’) on or within objects, electronic devices (including smartphones or mobile phones), hardware, or software, electronic documents, applications, or electronic systems owned or controlled by Users, by informing the purpose, limitations, and mechanisms of Data Utilization to the relevant User before obtaining the required consent;
Funding Providers who lack knowledge and experience in lending and borrowing are advised not to use this service;
Fund Recipients should consider the loan interest rates and other associated costs in line with their ability to repay the loan;
Any fraudulent activities are digitally recorded in the virtual world and can be known to the general public on social media and can be fully reported to the Financial Services Authority;
Users should read and understand this information before deciding to become a Funding Provider or Fund Recipient;
The government, in this case, the Financial Services Authority, is not responsible for any violations or non-compliance by Users, both Funding Providers and Fund Recipients (whether intentional or due to negligence) with the provisions of regulations or agreements between the Organizer and Funding Providers and/or Fund Recipients;
Every lending and borrowing transaction or the execution of agreements related to lending and borrowing involving the Organizer, Funding Providers, and/or Fund Recipients must be carried out through an escrow account and virtual account as required by the Financial Services Authority Regulation No. 10/POJK.05/2022 regarding Information Technology-Based Shared Funding Services.
PT Simplefi Teknologi Indonesia (“”Company””) is a legal entity established under the laws of the Republic of Indonesia. It operates as a company that has been licensed by the Financial Services Authority (OJK) to provide Information Technology-Based Shared Funding Services in Indonesia with licensing number: KEP-22/D.05/2020. The Company acts as an intermediary between parties providing funding and parties in need of funding, including funding from individuals, organizations, or legal entities to specific individuals or legal entities. The Company does not provide any form of advice or funding recommendations related to choices on the website or mobile application versions of the site created, owned, and operated by AwanTunai.
The content and materials available on the awantunai.co.id website or application are intended to provide information and should not be considered as an offer, request, invitation, advice, or recommendation to invest in securities, capital market products, or other financial services. The Company, in providing its services, is limited to administrative functions only.
Funding placed in AwanTunai accounts is not and will not be considered as deposits regulated by the banking regulations in Indonesia. The Company or any of its Directors, Officers, Employees, Representatives, Affiliates, or Agents shall not be responsible for any disruptions or issues that may occur or be perceived to occur due to insufficient preparation or publication of the material listed on the Company’s website or application.
“AwanTunai provides fast and hassle-free capital assistance. "With the help of capital, I am not afraid of losing business opportunities to get goods at cheaper prices." 
"With the help of Bantu Modal, my store's operations have greatly improved because the capital in the store has become smoother. In the past, I only had one warehouse and five vehicles; now I have five warehouses and dozens of vehicles." - Toko Mulyodjojo / Sleman 
