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API Integration Process Guidance
TERMS OF USE FOR API BCA DEVELOPER WEBSITE
Thank you for visiting the Developer API (Application Programming Interface) Website. For your ease of reference, PT Bank Central Asia Tbk (“BCA”) has provided the terms of use for the API BCA Developer Website at developer.bca.co.id (“Terms of Use”).
About the Terms of Use
You must read the Terms of Use carefully before using the API BCA Developer Website operated by BCA (the “Layanan”). The Terms of Use apply to all visitors and users that either access or use the Service. By accessing or using the Service, you agree to comply with all of these Terms of Use.
Use of the Service
If you use the Service on behalf of a company or any other legal entity, you hereby represent and warrant that you have the authority to act for and on behalf of the entity you represent.
Registration
To access and use the features of the Service, you are required to provide valid identity information. You hereby warrant that all the registration information you provide to BCA is always valid and up to date, and you must immediately notify BCA of any change to your data.
Service Access Security
You are required to maintain the security of your credential data used to access the Service, including by:
- not disclosing passwords to unauthorized parties;
- not writing passwords on desks or terminals, or storing them in written form or in computer applications or other storage media that may be accessible by others; and
- not using easily guessed passwords such as date of birth or combinations thereof, and telephone numbers.
API BCA Verified Account
API BCA Verified Account is a special account provided by BCA to you, as a party appointed by the API BCA Facility Recipient ("Facility Recipient") to log in to the API BCA Developer Website. An API BCA Verified Account consists of 3 (three) user roles, namely:
Specialist
A party appointed by the Administrator and granted access to operational features on the API BCA Developer Website by the Administrator with authorization from the Authorizer, including but not limited to performing functionality testing.
Administrator
A party authorized by the Facility Recipient to manage user roles and grant authority to Specialists on the APl BCA Developer Website, including but not limited to the addition, change, and/or removal of Specialists.
Authorizer
A party authorized by the Facility Recipient to provide authorization for any activities and/or changes performed by the Administrator or Specialist on the API BCA Developer Website that require approval from the Authorizer in accordance with the provisions applicable at BCA.
The email that you use as an API BCA Verified Account identity can be registered with more than one API BCA Facility Recipient according to the API BCA Verified Account registration submitted by Facility Recipient to BCA.
Based on certain considerations, BCA reserves the right to suspend the Verified Account if:
- there is an indication of suspicious activities conducted by the API BCA Verified Account on the API BCA Developer Website;
- there is an indication of suspicious activities or misuse on the API BCA Developer Website;
- there is an indication of data leakage involving the API BCA Verified Account user or the Facility Recipient; and/or
- there is an indication that the Facility Recipient and/or API BCA Verified Account has violated any provisions of these Terms and Conditions or the applicable law.
User Management Feature
User Management is a feature on the API BCA Developer Website accessible by the Administrator to add, change, or remove Specialists and to manage the access rights of each Specialist as required for API Facility management on the API BCA Developer Website. Any addition, change, or removal of a Specialist through the User Management feature must be authorized by the Authorizer.
Authorization Feature
Authorization is a feature on the API BCA Developer Website used by the Authorizer to provide authorization for any activities and/or changes performed by the Administrator or Specialist that require Authorizer approval in accordance with the provisions applicable at BCA.
Authorization Status Feature
Authorization Status is a feature on the API BCA Developer Website used by the Administrator and Specialist to view the details of the Authorizer’s authorization status of activities and/or changes carried out by the respective Administrator or Specialist.
Customer Testing Feature
Customer Testing is a feature on the API BCA Developer Website that enables the Facility Recipient, through its appointed party, to conduct functional testing of API BCA services prior to implementation.
This feature may only be accessed by specific Specialists appointed by the Administrator and approved by the Authorizer. Specialists accessing the Customer Testing feature are required to maintain the confidentiality of any credentials displayed or used within the Customer Testing feature.
BCA will conduct verification of the testing performed by the Specialist under the Customer Testing feature. Upon completion of the verification process, the Specialist may download the test results.
BCA reserves the right to add, remove, or modify testing scenarios for API BCA services without prior notice to the Verified Account user or the Facility Recipient. If the Facility Recipient, through its appointed Specialist, is unable to perform testing on certain scenarios determined by BCA, the Facility Recipient must provide written justification to BCA in accordance with the provisions applicable at BCA.
Compliance with the Law
You must comply with the Terms of Use and other relevant laws and regulations in force. You may not use the Service to encourage or promote illegal or unlawful activities. The use of the Service is subject to, governed by, and interpreted in accordance with the laws and regulations of the Republic of Indonesia.
Access to API BCA Sandbox
You are only allowed to access API BCA Sandbox in the manner described in the documentation on the API BCA Developer Website. If BCA provides you with certain confidential data (e.g., a ClientID), you must use the data in accordance with the API service you are entitled to use and keep such data confidential. You are not allowed to conceal and/or hide your identity in any form when using the API BCA Sandbox.
API BCA Sandbox Data
You agree that any data you access through API BCA Sandbox constitutes dummy information. BCA may at any time change and/or delete the data without prior notification.
Limitation on API BCA Sandbox Usage
BCA reserves the right to set limits on the Sandbox API BCA usage, such as the type and number of transactions per second (TPS) on the API request that you can access. In connection therewith, you agree not to attempt to violate such limits as documented in each API service. If you wish to use API BCA Sandbox beyond the specified usage limits, please contact us.
API BCA Developer Website Monitoring
You agree that BCA has the authority to monitor the use of the API BCA Developer Website and all services and features available therein, including but not limited to Sandbox, Customer Testing, User Management, etc., in order to maintain service quality, improve the quality of BCA products, and ensure compliance with the Terms of Use and other applicable provisions at BCA. BCA is entitled to access, among others, your account, for example, to identify security issues that may affect BCA’s operational activities and/or the use of the Services. At its discretion, BCA may suspend your access to part or all of the features and services available on the API BCA Developer Website, including but not limited to circumstances where there is excessive use of the API BCA Sandbox, misuse of the API BCA Sandbox and/or other features on the API BCA Developer Website, or other matters that disrupt the operation of the API BCA Developer Website and/or violate applicable provisions.
Prohibitions while Using API BCA Developer Website
While using API BCA Developer Website, you are prohibited from:
- Transferring the use of API BCA Developer Website to another party in any manner.
- You are prohibited from performing any actions intended to disrupt, hack, and/or damage the API BCA Developer Website and/or any actions that may enable the introduction of viruses, worms, spyware, Trojan horses, malware, or other harmful elements into the API BCA Developer Website.
- Interfering with or damaging the API BCA Developer Website’s API, server, or network.
- Promoting or facilitating activities that are against the law (including, among other things, gambling and pornography).
- Deleting and/or modifying the Terms of Use.
- You are prohibited from using software, programs, algorithms, methodologies, or other automated devices, including but not limited to deep-linking, spiders, page-scraping, robots, click spam, or crawlers, or from using any manual processes, to monitor, access, obtain information, generate searches, copy, or collect data, information, or content available on the Services for commercial benefit or other purposes that may disrupt BCA’s operational activities and/or the use of the API BCA Developer Website.
Termination of the Use of API BCA Developer Website
BCA under certain considerations has the right to terminate the Service or temporarily suspend access to the API BCA Developer Website.
After BCA terminates the Service or temporarily suspend access to the API BCA Developer Website, you must immediately delete the cache or content you have stored.
Limitation of Liability
BCA is not liable for:
- Any loss of profit, income, and/or data due to the use of features on the API BCA Developer Website;
- Any costs and expenses, losses, whether direct or indirect, and/or damage that may arise as a result of your use of features on the API BCA Developer Website.
You hereby confirm that you will be solely responsible for the foregoing and indemnify BCA – including its directors, commissioners, and employees – against all liabilities, damages, losses, costs and expenses (including legal fees) and other costs and expenses related to any charges brought by other parties as a result of, among other things:
- any misuse of the API BCA Developer Website by you or your end-user; and/or
- any breach of the Terms of Use by you or your end-user.
Amendment
BCA has the right to amend or replace these Terms of Use, and such amendment will be notified by BCA in any form and by any means in accordance with the applicable law.
Language
These Terms of Use for API BCA Developer Website are made in Indonesian and English versions. In the event of any discrepancy in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.