Terms of Service
Please read these Terms of Service (“Terms”) carefully before using the website kkasbs.com (the “Site”), operated by Kantor Konsultan Aktuaria Syamsuddin B. Salam (“we”, “us”, “our”).
By accessing or using the Site, you agree to be bound by these Terms. If you disagree with any part of these Terms, please do not use the Site.
1. Use of the Site
The Site is provided for general informational purposes about our actuarial consulting services, including employee benefits (PSAK 24), pension fund design, and insurance technical reserve estimation. You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else’s use of the Site.
You must not:
- Use the Site in any way that causes, or may cause, damage to the Site or impairment of its availability
- Attempt to gain unauthorized access to any part of the Site, the server on which it is hosted, or any server, computer, or database connected to it
- Reproduce, duplicate, copy, scrape, or resell any part of the Site without our express written consent
- Use the Site to transmit or distribute viruses, malware, or any other harmful code
2. Intellectual Property
Unless otherwise stated, we own the intellectual property rights for all content published on the Site, including but not limited to text, articles, graphics, logos, and images. All such intellectual property rights are reserved.
You may view and print pages from the Site for your own personal, non-commercial use, subject to the restrictions set out in these Terms. You must not:
- Republish material from the Site without prior written consent
- Sell, rent, or sub-license material from the Site
- Reproduce, duplicate, or copy material from the Site for commercial purposes
3. No Professional Relationship
The information published on the Site — including articles explaining actuarial terms and general descriptions of our services — is for general informational purposes only and does not constitute professional actuarial, financial, legal, or tax advice. Please refer to our Disclaimer for further details.
Browsing the Site or submitting an inquiry through our contact form does not, by itself, create an actuary-client relationship. A formal engagement is only established through a signed engagement letter or service agreement.
4. Third-Party Links
The Site may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Please refer to our Privacy Policy for more information on how third-party links and advertising cookies (including Google AdSense) are handled on this Site.
5. Advertising
The Site may display advertisements served by third-party advertising companies, including Google AdSense. These companies may use cookies and similar technologies to serve ads based on your visits to this Site and other websites. See our Privacy Policy for details on how you can opt out of personalized advertising.
6. Limitation of Liability
To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from:
- Your access to or use of, or inability to access or use, the Site
- Any conduct or content of any third party on the Site, including any third-party advertisements or linked websites
- Any errors or omissions in any content on the Site
The Site and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.
7. Changes to the Site and These Terms
We reserve the right to modify, suspend, or discontinue the Site, in whole or in part, at any time without notice. We may also revise these Terms from time to time. Any changes will be posted on this page along with the updated date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.
8. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Republic of Indonesia, without regard to its conflict of law provisions.
9. Contact Us
If you have any questions about these Terms, please contact us via the Contact page on this Site.