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Privacy Policy

Last updated: 7 October 2026

Welcome to the mobile application operated by PT. Luxpawn Gadai (“we”, “our”, or the “Company”). User privacy and data security are our priorities. This Privacy Policy explains the types of data we collect, how that data is used, with whom it may be shared, and your rights and choices regarding your personal data when using our pawn service application on Android and iOS devices.

1. Scope


This policy applies to data collected through PT. Luxpawn Gadai’s mobile application. The application uses, but is not limited to, third-party services such as Google Play Services, Google Analytics for Firebase, and Firebase Crashlytics for the Android version, as well as Apple/App Store-related services for the iOS version (see the “Third-Party Services” section below) for functionality, analytics, and crash reporting.

2. Information We Collect


We may collect the following information when you use the application:

2.1 Information Collected Automatically

  • Device information: device type, operating system version, device identifiers (e.g., Advertising ID on Android,Identifier for Advertisers / IDFA on iOS where available), mobile network information, and other relevant hardware and software information.
  • Usage data: application usage patterns, features used, usage times, usage statistics, and in-app interactions (telemetry).
  • Crash reports: summaries of incidents when the application fails, including stack traces and other technical data for troubleshooting and improvement. Services such as Firebase Crashlytics help us collect this data on Android; on iOS, we may also receive reports from App Store Connect / Xcode Organizer or other reporting services we use
  • Push notification information: device tokens generated to receive push notifications (e.g., APNs tokens on iOS or FCM tokens on Android).
  • Approximate location information (if you grant location permission for certain features).

2.2 Information You Voluntarily Provide

  • Account information: name, email address, phone number, profile photo, and other data you submit when registering or completing forms in the application.
  • Identity documents or financial information required for pawn transactions (e.g., ID card photos, collateral photos, transaction details) — collected only when necessary for the service you request and only with your consent.
  • Messages and communications with our support or customer service team.

3. Purposes of Data Use


We use the collected data for the following purposes:

  • Providing, operating, and maintaining the application and related services.
  • Managing user accounts, verifying identities, and facilitating pawn transactions.
  • Improving services, fixing bugs, analyzing usage, and developing new features
  • Conducting analytics and reporting (e.g., Google Analytics for Firebase and App Store Connect Analytics) to understand application usage and user behavior in aggregate.
  • Detecting, preventing, and responding to technical issues, fraud, or misuse.
  • Complying with applicable legal and regulatory obligations
  • Service-related communications, including account status notifications, policy updates, and promotions (if you have consented to receive marketing communications).

4. Third-Party Services


We use third-party services to help us provide and analyze services on Android and iOS platforms. Examples of services we use include, but are not limited to:

  • Google Play Services — to improve the user experience on Android devices
  • Google Analytics for Firebase — collects analytics data about application usage on Android to help us understand how the application is used and how to improve the user experience. More information: https://policies.google.com/privacy and https://firebase.google.com/support/privacy.
  • Firebase Crashlytics — collects crash reports and technical information to help us resolve application issues (generally on Android versions, although Firebase may also be used on iOS if implemented).
  • Apple App Store / App Store Connect — for application distribution, download and usage statistics reporting, and crash reports provided through App Store Connect or Xcode Organizer for iOS applications
  • Apple Push Notification service (APNs) — to send push notifications to iOS devices. We store the device token required for notifications to be delivered.
  • Sign in with Apple — an authentication option that users may use to register or sign in to the application (if enabled by the user).
  • StoreKit / In-App Purchases (IAP) — if the application offers in-app purchases on iOS, we use StoreKit to process purchases through the App Store.
  • SKAdNetwork and other Apple-supported advertising attribution services — to measure advertising campaign effectiveness without individually revealing user identities
  • AdSupport / Identifier for Advertisers (IDFA) — on iOS, if the application or our advertising partners use IDFA for measurement or personalized advertising, such use is subject to third-party privacy policies and your consent through App Tracking Transparency (ATT) on iOS. You may choose to refuse tracking through your iOS device settings.
  • Other third-party services that we may use from time to time for payments, notifications, identity verification,data storage, and customer support.

Please note that these third parties have their own privacy policies. We encourage you to read the privacy policies of those third-party service providers.

5. Data Sharing and Disclosure


We will not sell your personal data to third parties. Your data may be shared with other parties under the following circumstances:

  • Service providers: we may share data with vendors and partners that help us operate our services (e.g., payment processors, cloud providers, analytics providers, and crash reporting providers).
  • Your consent: if you provide explicit consent to share certain data.
  • Legal obligations: if required by law, court order, government regulation, or to enforce our terms of service.
  • Business changes: in the event of a merger, acquisition, or sale of assets, user data may be transferred as part of that transaction (with notice or consent as required by applicable law).

6.Data Storage and Retention

We retain data only for as long as necessary to achieve the purposes described in this policy or as required by legal and compliance obligations. The criteria we use to determine retention periods include, but are not limited to: the purpose for which the data was collected, legal or accounting requirements, and regulatory requirements.

7. Security

We implement reasonable technical and organizational measures to protect personal data from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage method is completely secure. Therefore, we cannot guarantee absolute data security.

8. Your Choices and Rights

You have several rights regarding your personal data, including:

  • Access: request a copy of the personal data we hold about you.
  • Correction: correct inaccurate or incomplete data.
  • Deletion: request deletion of your personal data to the extent permitted by law.
  • Restriction of processing or objection to processing for certain purposes (e.g., marketing).
  • Withdraw consent at any time where processing is based on consent.

To exercise these rights, please contact us using the contact information provided in the “Contact Us” section
below.

Analytics, Advertising, and Tracking Settings on iOS

  • To control analytics or personalized advertising data collection on Android, you can disable Personalized Ads in your Android device settings: Settings → Google → Ads → “Opt out of Ads Personalization”.
  • On iOS, Apple introduced App Tracking Transparency (ATT). If the application requests permission to track activity across apps and websites owned by other companies, you can select “Ask App not to Track” through the system dialog or modify your preference under Settings → Privacy → Tracking.
  • You may also disable or uninstall the application to stop data processing by the application.

9. Children’s Privacy

This application is not intended for children under 13 years of age (or the applicable minimum age in your jurisdiction). We do not knowingly collect personal data from children under that age. If you become aware that a child has provided personal data without parental permission, please contact us so that we can delete the data.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be announced through an updated policy within the application and/or other notices where required. The “Last updated” date at the top of this document will be updated accordingly.

11. External Links

The application or this policy may contain links to external services that are not operated by us. We are not responsible for the privacy practices of those third parties. We encourage you to read the privacy policies of the third-party services listed in the application.

12. Legal Basis for Processing (if applicable)

In certain jurisdictions, including the European Union, we are required to inform you of the legal basis for processing personal data. Such legal bases may include:

  • Your consent.
  • Contract (to provide the services you request)
  • Compliance with legal obligations.
  • Our legitimate interests, such as service security, fraud prevention, and service improvement.

13. Contact Us

If you have questions, requests, or complaints regarding this Privacy Policy or our data practices, please contact:
PT. Luxpawn Gadai
Email: info@luxpawn.id

14. Consent

By using our application, you consent to the collection and use of information in accordance with this policy. If you do not agree, please do not use this application, or discontinue use and delete the application from your device.

TERMS AND CONDITIONS

  1. The Service Fee for safekeeping is calculated from the date this debt agreement is agreed upon, with 1 day up to 15 days calculated as 15 days, or according to the type of feature selected by the CUSTOMER.
  2. The safekeeping service fee is calculated from the credit date until the date of repayment and/or extension by the CUSTOMER. The result is rounded up to the nearest multiple of Rp 100 (one hundred rupiah).
  3. The maximum credit period is as stated in the Pawn Agreement. The credit may be repaid or extended (renewed pawn transaction) before and/or on the maturity date.
  4. If repayment and credit extension transactions are carried out by the CUSTOMER at a Branch/Online Branch Service Unit or another location designated by PT. Luxpawn Gadai, the CUSTOMER agrees that the transaction proof (receipt or electronic document) constitutes an addendum to the agreement and this Pawn Proof Letter.
  5. In the event of a credit extension up to the maturity date, the maturity date, auction date, loan amount, safekeeping service fee, and details of the collateral are stated in the transaction proof (receipt or electronic document).
  6. To return the collateral, the CUSTOMER must submit the original Pawn Proof Letter and present an
    Identification Card (KTP/Passport).
  7. The Pawn Proof Letter and Transaction Receipt should be kept safely. If lost, the CUSTOMER must immediately report it to the Branch/Branch Service Unit of PT. Luxpawn Gadai that issued the Pawn Proof Letter.
  8. The Transaction Receipt and other documents accompanying the debt secured by collateral constitute an inseparable part of this Pawn Proof Letter (SBG).
  9. The CUSTOMER must comply with the terms and conditions and the contents of the agreement stated in the Pawn Proof Letter and its addenda.
  10. If the CUSTOMER changes their identity information after this Pawn Proof Letter has been issued, the
    CUSTOMER must immediately inform the issuing Branch/Branch Service Unit.

This document is provided to assist with the application’s privacy policy requirements. This policy is informational and is not a substitute for legal advice.