TERMS & CONDITIONS

Definition

The terms below, in any part of the Terms & Conditions, have the following meanings:

  • You or User means any prospective Investor, prospective Business Manager, or individual who accesses the McInvest Platform or uses the McInvest Services.
  • Investor means an individual, company or institution that is committed to placing a sum of money or funds in Rupiah currency to be channeled as business capital (if the contract is Syirkah Mudhorobah) or capital to purchase goods (if the contract is Murabahah) to be used by the Business Manager to assist their business.
  • Personal Data means personal data that you voluntarily submit to us through the McInvest Platform, including data generated and related to the utilization of McInvest’s services, whether as an Investor or Business Manager.
  • Services mean any services from McInvest that are used by Users to: access information available on the Platform, make decisions to carry out transactions through the Platform, carry out contract administration, and other forms of services to bring together Investors and Business Managers on the McInvest Platform.
  • McInvest, Us, Provider means a group of people that runs a business in the field of organizing project financing with information technology-based sharia contracts.
  • Business Manager means an individual or company that receives capital to run their business projects through McInvest Services.
  • Akad means an agreement between the Investor and Muhamad Danang Priambodo as the owner of McInvest, or Muhamad Danang Priambodo and the Business Manager to regulate the rights and obligations of each during the capitalisation process.
  • Platform is a web portal owned and operated by McInvest currently located at and accessible at the following URL: mcinvest.app, together with changes to such URL from time to time.

Platform Usage

McInvest through this platform provides information and facilitates Users to conduct project financing with Syirkah Mudhorobah or Murabahah contracts.

  • McInvest only provides the Platform and facilitates project financing transactions based on information technology for Users, Business Managers, and Investors.
  • McInvest is neither a Business Manager nor an Investor. Therefore, in providing services, we are merely an intermediary or representative (wakalah) of Investors in channeling their funds for project financing to Business Managers.
  • McInvest Platform is only for use as a Fundraising Service Platform and may not be used for commercial purposes on behalf of and/or for the benefit of third parties, unless prior approval has been obtained from McInvest.
  • You are required to provide Personal Data accurately, still valid, and legally valid in accordance with the requirements stated in this Platform. This obligation also applies to any changes in Personal Data.
  • You are responsible for ensuring that the information you provide, whether at the time of registration or anytime you access our Platform, is accurate and reliable.
  • This Platform may contain links to third-party-managed platforms provided for reference and knowledge only. We do not operate, control or endorse any content or information from third-party platforms.
  • You agree to grant McInvest the right, but without any obligation for McInvest to: access, monitor, control, or filter any user account activities or contents; prevent/limit user access to accounts and/or platform; report suspicious activities that may violate applicable laws and regulations to the relevant authorities.

Scope of Services

Fundraising services by McInvest are only available to Indonesian citizens (WNI), at least 18 years old, and have the legal capacity to agree to these Terms. For users who are outside the territory of the Republic of Indonesia, please wait for further information.

  • The McInvest Platform and its contents are not financial advice, financing advice, or a solicitation of financial interest. Therefore, all transactions that take place on the McInvest Platform between Investors and Business Managers are entirely the choice and responsibility of the User, as we do not purposely provide advice on such matters.
  • McInvest is a platform that specializes in connecting investment opportunities between Investors and Business Managers, particularly small and medium enterprises.
  • In transactions, McInvest acts as an intermediary (samsarah) between Investors and Business Managers, or as a representative (wakalah) of all Investors involved in a project to carry out the business investment process, whether as a capital owner in a Syirkah Mudhorobah contract or as a first buyer in a Murabahah contract.
  • McInvest is responsible for ensuring and conducting due diligence on each prospective Business Manager regarding whether their business is worthy of investment from the standpoint of the Business Manager's reputation, capability, track record, as well as the sharia compliance of their business and the operational aspect managed by the Business Manager.
  • McInvest has the right to suspend, restrict, or terminate a user's access to the McInvest's Fundraising Service in the event of suspicious and illegal activities. If there is a suspension or restriction or termination of user access, it will be directly informed to the User.
  • Although we have taken appropriate steps to ensure reliability and accuracy, McInvest makes no warranty regarding the completeness or accuracy of the content and is not liable for any loss that may arise from using such information.
  • Users agree that McInvest has the authority to determine whether they can be a Business Manager who is qualified in McInvest's judgment and policy so that they can obtain business capital. McInvest is not obligated to provide a detailed explanation of the reasons, limitations, or assessment indicators that are the basis for such rejection. Users do not have the right to demand compensation, acceptance of rights or replacement, or any compensation from McInvest.
  • Users understand, acknowledge, and agree that McInvest's position is administrative and acts as a facilitator that arranges the contract and brings together Investors and Business Managers for the provision of business capital.
  • Users will use their accounts and passwords on the Fundraising Service to access information, features, and other documents that are only available to each user. If McInvest suspends access to the service for certain reasons, users cannot access the service (including account balances) until the account is reactivated. If there are any questions, please contact mcinvest.official@gmail.com.
  • We do not guarantee that this Platform will always be available and meet your needs, nor do we guarantee that there will be no disruptions, delays, failures, or loss of information sent.

Enrollment Process

Users must create an account and fill in the data available on the platform to join as McInvest service users. After creating an account, the user must verify the email, after that the user will be given full access and features on the Platform. Users must also agree to accept all terms and conditions and McInvest’s privacy policy.

    Account and Password

    • McInvest registration and account ownership process will not incur any fees. Users only need data such as email and password to register. Users are expected to keep their passwords secure and not disclose them to anyone, including family members, friends, and anyone from McInvest. McInvest will never ask for a user's password.
    • Users are encouraged to change their password regularly, at least every 3 to 6 months, to reduce security risks or account hacking. McInvest obligates user to use a password of at least 8 characters consisting of uppercase and lowercase letters, numbers, and unique characters, and not choosing a password that is easy to guess by others.
    • Users are expected to be careful and always check if there are indications of violations/hacking of user accounts. If there is anything suspicious, immediately contact McInvest's User Service at mcinvest.official@gmail.com.
    • McInvest is not responsible for losses arising from Personal Data that is inaccurate, illegal, and not legally valid in accordance with the requirements conveyed on the McInvest Platform.

    Contact

    • McInvest may contact users via email or other related methods of communication (such as instant messaging or chat applications). McInvest will not be responsible for any losses arising from the failure of email accounts or other communication methods.
    • Users must check, read, and understand each message or information sent by McInvest to their email. It should be noted that such messages or information may contain links to further communication or messages on the Platform.

    Copyright and Trademark

    • McInvest is the owner or licensee of all copyrights, trademarks, and other intellectual property rights, whether contained on the Platform as a whole or on each page of the Platform's content.
    • Users may not use any part of the McInvest Platform for commercial purposes without a permission from McInvest. If users violate this provision, McInvest may unilaterally terminate their account with the obligation to return or remove any copies of materials they have created.

    Refund

    McInvest will return your funds in accordance with the agreed contract to the account number registered on the platform. The return timeline will be carried out at the end of the project or in accordance with the agreed contract if there is a delay/acceleration.

      Service Fees and Other Fees

      Users agree to the fees charged to Investors as transaction fees (per transaction) and operational fees. Users must read and understand all information about service fees and other fees, as it is important to understand the impact on their investments.

        Agreement for Fundraising Service

        • The agreement for fundraising service is a standardized and binding agreement between McInvest and the investor, when the investor agrees to the Terms and Conditions by checking the agreement box and/or signing the agreement (wakalah contract) before the investor provides funds to McInvest.
        • The Investor agrees to authorize McInvest as the service provider to represent the Investor as the Investor's project financier, including problem resolution meetings, as well as signing contracts/agreements and other related documents.

        Virus, Hacking, and Other Violations

        Users are expected to maintain the security of their information to avoid viruses or other harmful materials. Users must not attempt to gain unauthorized access to the Platform, the server where the McInvest Platform is stored, or any server, computer, network, or database connected to the McInvest Platform. If a user is found to be involved in such actions, the user's right to use the Platform will be terminated immediately.

          Personal Data Protection

          • Users agree that McInvest may collect, store or use Personal Data that you provide in accordance with applicable laws and regulations.
          • Users agree that McInvest has the right to share your Personal Data with government agencies, official authorities, business partners, or other parties who legitimately cooperate with relevant government agencies to the extent stipulated in laws and regulations.
          • McInvest is committed to only using your Personal Data for the purpose of providing Services and improving Service quality.
          • By providing Personal Data to us, you agree to be contacted by us through, but not limited to, mail, email, telephone, and WhatsApp.
          • McInvest strives to ensure that any information sent by Users is protected through the McInvest system using – but not limited to – SSL.
          • Users have the right to request a copy of the information we store about you. If you want a copy of some or all of your personal information, please send a message to mcinvest.official@gmail.com.

          Prohibited Actions

          The user agrees not to perform the following activities:

          • Accessing, collecting, taking, and/or copying content, information and/or data on the Platform, through crawling, web spidering, automatic indexer, scraper and/or systematic data retrieval on the Platform, both automatic and manual, for any purpose that may cause loss and disruption on the Platform, including our electronic systems, without the permission of McInvest.
          • Reselling, using, monitoring, displaying, downloading, or reproducing any content or information, software, information or services available on the Platform for any commercial or competitive activity or purpose.
          • Pretending to be another person or entity, or falsely claiming a relationship between the user and person or entity, or using a fake identity with the aim of misleading, deceiving, or tricking others.
          • All forms of actions that harm McInvest and Users, whether intentional or unintentional, are a violation. McInvest may suspend user accounts and/or report to the appropriate authorities.

          Risk of McInvest Service Users

          Users who use McInvest services may encounter several risks that may occur on the platform or user account. The risks are:

          • Investors understand the possibility of the McInvest website and the McInvest application experiencing downtime, causing users to temporarily be unable to access their account.
          • The issuer is likely to experience default on the investor.
          • Investors may lose funds due to insufficient investment analysis in selecting the issuer. Thus, the investment process does not match what investors expect.
          • Registration failure due to inadequate fulfillment of requirements by the investor.

          Cookies

          Cookies are small text files that will automatically take place on the user's device, which function to store user preferences or configurations while visiting a website. Cookies are used to track user data when needed, track user transactions, remember user preferences, and improve the user experience when using a website.

            User Disputes

            • Users are fully responsible for each user's interaction with other users. McInvest has the right, but not the obligation, to monitor disputes that occur (if any).
            • Users fully agree and understand that disputes between users are disputes that must be resolved between users, without McInvest's obligation to investigate and decide on such a dispute.

            Changes

            Any changes made by McInvest to the Terms and Conditions will be displayed and informed through the Platform without prior notice. Users are expected to carefully read the Terms and Conditions page from time to time. If the user continues to use the McInvest website service, the user is deemed to agree to the changes made.

              Disclaimer

              McInvest cannot accept responsibility for matters relating to the Platform that are beyond McInvest's reasonable control. All information provided by McInvest is provided in good faith.

                Applicable Law

                These Terms and Conditions are governed and subject to the laws of the Republic of Indonesia. Any disputes arising between users and McInvest regarding the implementation of these Terms and Conditions will be resolved through relevant legal bodies and associations.

                  User Complaints

                  If users have any complaints, they can directly contact McInvest through the User Service (customer service) at mcinvest.official@gmail.com. The McInvest management team will try to help resolve user complaints.