Terms and Conditions

Last Updated: July 22, 2025

  1. INTRODUCTION

    These Terms and Conditions ("Terms") govern your access and use of the CAMP Investasi platform ("Site"), which is a financial and investment services aggregator platform operated by PT Cipta Andalan Manajemen Prima ("we", "our", "us"), enabling users ("you", "User", "Client") to access various financial products and services, including but not limited to conversion and investment of digital assets (e.g., staking, stablecoins, tokenized products), mutual funds, money market instruments, bonds and fixed income products, stocks and equity-related investments, as well as lending-related products ("Services").

    By registering, accessing, or using the Site, you represent that you have read, understood, and agree to be bound by these Terms and all other documents referenced herein.

    You must be at least 18 years old and legally capable of entering into a binding contract. You are not permitted under any circumstances to create an account (as defined below) or use the Services or Site if you are a citizen, resident, or located in, established in, or subject to the jurisdiction of: (i) any country subject to international sanctions, (ii) any jurisdiction where your access or use of the Services would violate applicable law based on your citizenship, residence, or domicile, or (iii) any jurisdiction where offering the Services requires local registration, licensing, or is prohibited under applicable law (collectively referred to as "Restricted Jurisdictions").

    We may implement technical or administrative controls to restrict access from Restricted Jurisdictions. If we determine that you are accessing the Services from Restricted Jurisdictions, or providing misleading information regarding your location, citizenship, or domicile, we may immediately suspend or terminate your account and liquidate any open positions.

  2. DEFINITIONS

    Definitions in these Terms, unless the context otherwise requires, are as follows:

    1. 2.1 "Account" means an account registered with us that enables you to use the Services.
    2. 2.2 "AML (Anti-Money Laundering) Policy" means our internal anti-money laundering policy, which may be amended or updated by us from time to time at our sole discretion.
    3. 2.3 "Business Day" means a business day that is not Saturday, Sunday, or an official national holiday.
    4. 2.4 "Clearly Erroneous Transaction" means a transaction (whether filled, executed, matched, or not) based on market data, for the purchase or sale of a digital asset that in our sole discretion is substantially inconsistent with the prevailing market price at the time of execution.
    5. 2.5 "Digital Assets" means a digital representation of value, rights, or assets that can be issued, stored, or transferred electronically using blockchain technology or similar technology, including but not limited to crypto assets, tokenized securities, or other technology-based investment instruments, as may be recognized under applicable laws and regulations in Indonesia.
    6. 2.6 "Fiat Money" means currency issued by a government and recognized as legal tender under applicable law, including but not limited to Indonesian Rupiah (IDR) and other foreign currencies as determined in relevant Bank Indonesia or Financial Services Authority ("OJK") regulations of the Republic of Indonesia.
    7. 2.7 "Market Data" means, in connection with digital asset trading through the Services, bid price data, ask price, transaction price, trading volume, and other trading data available or accessible through the Site or Services.
    8. 2.8 "Order" means an instruction to buy and/or sell digital assets using exchange services.
    9. 2.9 "Principal" means a third-party provider of financial products and/or services licensed by Indonesia's OJK or relevant authority, who has partnered with us to offer and/or facilitate access to their products as part of the Services available through the Site.
    10. 2.10 "Privacy Policy" means the privacy policy set forth on this web page, as may be amended, supplemented, or replaced by us from time to time at our sole discretion.
    11. 2.11 "Services" refers to various services provided to you by us through the Site, including but not limited to trading strategy automation, market analysis, exchange data aggregation, and other services we may provide from time to time on the Site.
    12. 2.12 "Site" means the website located at https://www.campinvestasi.com, or other related websites we own, application programming interface (API), or applications.

  3. NATURE OF THE SITE

    1. You understand that the Site functions primarily as an aggregator and intermediary, facilitating access to various financial products and services provided by various Principals.
    2. Except for the Account, we are not a principal or counterparty in investment transactions, unless expressly stated otherwise.
    3. Financial products and services offered through our platform are not products and/or financial services issued by our Platform. Our Platform is not responsible for claims and risks related to products and/or services from Financial Service Institutions (LJK) and/or parties conducting activities in the financial services sector.
    4. You acknowledge that each Service is subject to the applicable terms and conditions, fees, and risk disclosures of each respective Principal. By choosing to access or use a particular Service, you may be required to review, agree to, and/or sign relevant documents or agreements as determined by the Principal.
    5. The Site may be connected or integrated with Principals, third-party systems, or other service providers for purposes such as transaction execution, portfolio aggregation, data feeds, or other services. You authorize the Site to access, retrieve, and aggregate data from such third parties on behalf of your Account, subject to your consent.

  4. ACCOUNT

    1. Opening. To use the Services, you must open an Account by providing your name, email address, password, and other information as part of Know-Your-Customer ("KYC") requirements, along with documents we may request from time to time. We reserve the right, at our sole discretion, to reject Account opening applications or limit the number of Accounts you may hold.

    2. AML Consent. You agree to provide us with all information and documents we may require from time to time in connection with opening and ongoing maintenance of your Account, and for compliance with our AML Policy. We may conduct further checks we deem necessary (either directly or through third parties) to verify your identity in accordance with the AML Policy. You are not permitted under any circumstances to allow any other party (other than yourself) to use the Services through your Account. You must be the sole lawful and beneficial owner of all assets and/or funds associated with your Account.

    3. Access. Your Account is secured with login credentials and other authentication methods we may establish. We may restrict access from any device we deem poses a security risk. You are fully responsible for maintaining the security of your login details and ensuring their confidentiality. You must log out after each session and are responsible for all activities that occur through your Account. We are entitled to rely on any instructions sent from your Account, and you are responsible for ensuring all such instructions are accurate and properly formatted.

    4. Unauthorized Use. If you suspect or become aware of any unauthorized use of your Account login credentials, including username and password, you must immediately notify us. We are not responsible for any loss or damage arising from the use of your Account by you or third parties, whether with or without your authorization.

    5. Suspension. We may, at any time and at our sole discretion, suspend an Account for reasons such as: (a) breach or suspected breach of these Terms; (b) your Account becomes subject to an investigation or court order; (c) suspicious or illegal activity detected on your Account; or (d) other reasons. We have no obligation to provide reasons for such suspension.

    6. Closure. You may request closure of your Account by providing notice to us. After we confirm your notice, we will process the closure within 7 business days. Similarly, we may, at any time and at our sole discretion, close any Account for internal reasons, the details of which we may not disclose. User content and other information related to your Account may continue to be stored, maintained, and used by us after the Account is closed as long as there is a legitimate business purpose.

  5. API CONNECTION AND TRADE EXECUTION

    1. Exchange Connection via API. Our platform does not store or custody your assets. We connect to various exchanges using the Trade API you provide. All assets remain on their respective exchanges.

    2. API Permissions. API keys you enter into our platform MUST ONLY have trading permissions (buy/sell) and MUST NOT have withdrawal permissions. We strongly recommend that you DO NOT grant withdrawal permissions to API keys registered on our platform.

    3. API Security Responsibility. Any withdrawal or fund transfer activity conducted through API keys you register on our platform is entirely outside our responsibility. You are fully responsible for the security and configuration of your API keys.

    4. No Execution Guarantee. We DO NOT GUARANTEE that every order or trading instruction submitted through our platform will be successfully executed. Trade execution depends entirely on:

      1. Availability and stability of the respective exchange's API;
      2. Network conditions and internet connectivity;
      3. Policies and technical limitations of the exchange;
      4. Market conditions and liquidity;
      5. Other technical factors beyond our control.

    5. Execution Disclaimer. We are not responsible for order execution failures, delays, price errors, or any losses arising from:

      1. Exchange API disruptions or downtime;
      2. Cancellation or policy changes of the API by the exchange;
      3. Rate limiting or throttling from the exchange;
      4. Errors or bugs in the exchange system;
      5. Connectivity or network issues;
      6. Extreme market conditions or price gaps.

    6. Monitoring and Verification. You are responsible for monitoring and verifying the execution status of your orders directly on the respective exchange. Our platform only provides status information based on data received from the exchange API.

  6. ORDERS

    1. Order Placement.

      • You may place orders for transactions and investments using the Services. Any order placed is binding on you.
      • When you place an order, the instruction will be sent to the exchange via API. You are responsible for ensuring you have sufficient balance on the exchange to fulfill the order.
      • You understand and agree that you may submit a cancellation request for an order already submitted, but the order may not be cancelable before it is fully (or partially) fulfilled, and we are not responsible to you for order settlement that occurs after you submit a cancellation request.
      • We do not represent, warrant, or ensure that any order you place will be fulfilled or executed by the exchange.
      • We reserve the right to cancel or not transmit any order (in whole or in part) for any reason, at our sole discretion, including but not limited to: the order is not marketable, constitutes a Clearly Erroneous Transaction, or violates exchange policies.

    2. Settlement. After an order is fulfilled or executed by the exchange, settlement will be conducted according to the respective exchange's mechanism and recorded by us based on data received from the API.

    3. Clearly Erroneous Transaction. We have the right, at any time, to declare that a Clearly Erroneous Transaction is null or void (in whole or in part), even if you and/or the counterparty do not agree to its cancellation or modification.

  7. MARKET DATA

    1. Market Data. Market data is generated based on data aggregation from Principals and our other service providers.

    2. Rights. All rights, ownership, and interest in the market data we collect and process are exclusively ours.

  8. OUR RIGHTS

    1. Supported Digital Assets. We have full authority to determine which digital assets and exchanges are supported by the platform, and may delist, suspend, or remove support for any assets or exchanges at any time.

    2. Unilateral Policy. We may correct, cancel, or reverse any transaction or activity if we identify errors or inconsistencies, whether caused by you, us, third parties, or technical failures.

    3. Remuneration. We may receive fees, commissions, or rebates from Principals or third parties in connection with services provided to you, and may retain them without obligation to disclose. If you are referred by a third party (e.g., introducer or advisor), you acknowledge that we may provide compensation to such party based on revenue generated from your transactions.

  9. RISK ACKNOWLEDGEMENT

    You acknowledge and agree that:

    1. All forms of investment, including traditional investments and digital asset investments, carry risks. Past performance does not guarantee future results. You are advised to seek and obtain appropriate professional advice, including legal, financial, tax, investment, or other forms of advice before using any Services.

    2. Digital asset products may involve higher volatility, technological risks, regulatory risks, and potential loss of entire capital.

      • The digital asset market is novel and its continued growth is not guaranteed;
      • Digital assets can be traded non-stop throughout the day and may not have price change limits. Prices can experience significant fluctuations;
      • You may face difficulty or even impossibility of liquidating your positions in certain market conditions;
      • Digital assets may be unregulated, and trading activities may be considered illegal in certain jurisdictions;
      • Digital assets and their underlying protocols may be vulnerable to security breaches and government policy changes.
    3. By using the Site, you represent that you understand the nature and risks of the Services you access, and that you are fully responsible for your investment decisions.

  10. FEES AND CHARGES

    1. Some Services may be subject to fees, which will be communicated to you before execution or subscription process.
    2. Such fees may include, but are not limited to, platform fees, transaction charges, and fees related to Principal products.

  11. REPRESENTATIONS, WARRANTIES, AND ADDITIONAL COMMITMENTS

    1. You have full authority to agree to these Terms and to perform all your obligations as set forth herein.
    2. Your agreement and performance of obligations under these Terms do not and will not conflict with or cause a breach of any law, regulation, order, judgment, or decree of any court, government authority, or regulatory body applicable to you.
    3. You will comply with all laws and regulations applicable to you in connection with your use of the Services.
    4. All information and documents you submit to us from time to time are true, accurate, authentic, and not misleading in any way.
    5. You will not engage in or initiate any form of market manipulation or fraud, including but not limited to spoofing orders.

  12. INTELLECTUAL PROPERTY

    1. Our Intellectual Property. All rights, ownership, and interest in our intellectual property remain exclusively ours. Except as expressly provided in these Terms, no rights or obligations regarding our intellectual property are granted to you or can be implied from these Terms.

    2. Prohibition of Infringement. You shall not infringe our intellectual property rights, those of Principals, or any third party. All content and materials on this Site, including but not limited to text, images, and other information and their arrangement, are protected by copyright, trademarks, and other proprietary rights.

  13. DATA PROTECTION

    1. Your Consent. You hereby consent to the collection, use, disclosure, storage, retention, processing, and transmission of all personal data (as disclosed by you to us) in accordance with our privacy policy.

    2. Disclosure by Us. If required by tax authorities or under applicable law, information about your Account (including your identity and transaction history) may be disclosed by us to such tax authorities or other relevant authorities. You hereby consent to all such disclosures.

    3. Data Security. Reasonable technical and organizational measures have been taken to secure your data, but we do not provide an absolute guarantee of security.

  14. LIABILITY

    1. Disclaimer of Liability. To the extent permitted by applicable law, we expressly disclaim (and you expressly release us from) all liability for:

      • The accuracy or completeness of content contained in or accessed through the Services;
      • Disruptions to the Services or if the Services are not free from errors, loss, damage, attacks, viruses, interference, hacking or other security intrusions;
      • Order execution failures due to exchange API disruptions or unavailability;
      • Any action, omission, or loss you experience during periods of unavailability of the Services or Site;
      • Any order mistakenly submitted by you that is subsequently processed or executed;
      • Losses arising from your failure to fulfill your obligations under these Terms;
      • Loss of profits, anticipated savings, business, opportunities, revenue, or indirect, consequential, or special losses;
      • Losses due to unauthorized use of your API keys or withdrawal activity via API;

    2. Internet Trading Disclaimer. You understand the inherent unreliability of the Internet and API connections that can cause delays in transmission, receipt, and execution of orders, instructions, and other information at prices different from when the order or instruction was given.

    3. Not Professional Advice. You understand and agree that we do not provide investment, financial, accounting, valuation, tax, legal, or other professional advice. All decisions regarding the Services are entirely your responsibility.

    4. Taxes. You are fully responsible for determining whether, and to what extent, any taxes apply to transactions you conduct through the Services, and for withholding, collecting, reporting, and remitting the correct amount of tax to the appropriate tax authorities.

    5. Limitation of Liability. Notwithstanding any provision in these Terms, our maximum aggregate liability to you arising from or related to these Terms shall not exceed IDR 10,000,000.

    6. Indemnification. You agree to indemnify us and our affiliates, including officers, directors, employees, and agents for all losses, claims, costs, and liabilities arising from: (i) breach of representations, warranties, or agreements by you; (ii) infringement of intellectual property rights; (iii) unauthorized use of your Account or API keys by third parties; and (iv) violation of data protection laws due to your actions or omissions.

  15. CHANGES AND MODIFICATIONS

    1. Changes to Services. You understand and agree that from time to time we may modify, change, or withdraw any part of the Services or Site without prior notice to you.

    2. Revision of Terms. We may modify these Terms from time to time. Material changes will be communicated to you, and your continued use of the Site will be deemed acceptance of the updated Terms.

  16. GENERAL PROVISIONS

    1. Notices. All notices and other communications we provide under these Terms may be delivered via email, postal mail, SMS, through the Site or Services, or in any other manner we deem necessary. All notices you provide to us must be delivered via email.

    2. Not Investment Advice. Unless expressly stated otherwise, the Site does not provide personalized financial or investment advice. Educational or informational content is provided for general purposes only and is not considered a recommendation or solicitation to act.

    3. Force Majeure. We are not responsible for failure or non-fulfillment of our obligations under these Terms to the extent such failure is caused by circumstances beyond our reasonable control, such as natural disasters, acts of war or terrorism, riots, labor conditions, government actions, Internet disruptions, or exchange API disruptions.

    4. Assignment. You are not permitted to assign or transfer your rights, interests, and/or obligations to any party. We may assign or transfer our rights, licenses, interests and/or obligations at any time to any party.

    5. Governing Law and Dispute Resolution. These Terms are governed by and construed in accordance with the laws of the Republic of Indonesia. Any dispute arising from or in connection with these Terms shall be referred to and finally resolved by arbitration administered by the Indonesian National Board of Arbitration (BANI) in accordance with the applicable BANI Arbitration Rules.