Terms of Use

Website and service information

This website provides general information about PAP, outsourcing, desk collection, labor supply, collection systems, offices, and company contact channels. Website content is not, by itself, a binding offer, guarantee of results, or service agreement.

The scope, targets, responsibilities, fees, schedule, data handling, and terms of any engagement are agreed with the client in a written agreement. If information on this website differs from a signed agreement, the written agreement governs that engagement.

Acceptable use

You agree to use the website lawfully and not to:

• Interfere with website availability, security, or operation.
• Send malicious code, spam, threats, or unlawful material through a contact channel.
• Impersonate another person or submit information you are not authorized to share.

Inquiry form and WhatsApp

The Contact form prepares a message in your browser and opens WhatsApp only when you choose to continue. You are responsible for the accuracy of the information and for having authority to share it.

Do not send debtor personal data, account information, balances, identity documents, credentials, or confidential financial data through the public inquiry form. Sending a message depends on WhatsApp and your internet connection.

Content rights

PAP names, logos, text, design, and materials on this website are protected by applicable intellectual property laws. Third-party marks remain the property of their respective owners. Website use does not grant a license to reproduce or use those materials beyond what law or the owner permits.

Third-party services

The website may open WhatsApp to prepare your inquiry. WhatsApp operates under its own terms and privacy notice. PAP does not control the availability or changes of that third-party service.

Availability and responsibility

PAP aims to keep information relevant and the website available, but maintenance or interruptions may occur. Website material is for general information; service outcomes, capacity, and scope depend on the client’s needs and the specific agreement.

Governing law and updates

These terms are interpreted under the laws of the Republic of Indonesia. PAP may update them as the website or services change; the current version and effective date will be posted on this page.