CIVIL LAW PROTECTION OF PERSONAL DATA RELATED TO ONLINE LOANS PROVIDED BY ONLINE LENDING SERVICES
Keywords:
Legal Protection, Personal Data, Online LoansAbstract
Article 1 number 1 of the PDP Law states that "personal data is data about natural persons who are identified or can be identified individually or in combination with other information, either directly or indirectly, through electronic or non-electronic systems." Based on Article 44 paragraph (1) letters a and c of the Republic of Indonesia Financial Services Authority Regulation Number 10/Pojk.05/2022 concerning Information Technology-Based Joint Funding Services, providers are obliged to maintain the confidentiality, integrity and availability of Personal Data, transaction data and financial data managed from the time the data is obtained until the data is destroyed and guarantees that the acquisition, use, utilization and disclosure of Personal Data, transaction data and financial data obtained by the Operator is based on the consent of the owner of the Personal Data, transaction data and financial data. This research discusses civil law protection for personal data related to online loans distributed by online lending services, especially related to the dissemination of personal data by online loan companies . This research aims to examine and assess legal protection for online loan service users whose personal data is disseminated by online loan companies. This research is normative juridical research that is descriptive in nature. The author uses secondary data consisting of primary legal materials in the form of basic norms or rules, basic regulations, statutory regulations, and secondary legal materials in the form of literature consisting of draft laws, books, scientific works of legal scholars, results research, journals, magazines and so on.
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The 1945 Constitution of the Republic of Indonesia
Law Number 27 of 2022 concerning Protection of Personal Data
Law Number 19 of 2016 concerning Amendments to Law Number 11 of 2008 concerning Information and Electronic Transactions
Republic of Indonesia Financial Services Authority Regulation Number 10/Pojk.05/2022 concerning Information Technology-Based Joint Funding Services
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