Whistleblowing System

Submit Your Report Securely & Confidently

Sanders is committed to upholding integrity and professionalism to realize a clean, healthy, and transparent company.

Sanders Commitment

"Sanders is fully committed to upholding integrity in our work environment and operations. We provide a Whistleblowing System (WBS) for you to report any acts of violation, fraud, or other unethical behavior by Employees or External Parties (partners, vendors, etc.) that cause harm."

Reporter identity is guaranteed confidential. Sanders is committed to protecting every whistleblower of good faith from any form of intimidation or negative consequences.

Official WBS Channels

In addition to the digital form on this page, you can also submit your report directly through our official communication channels below:

Sanders WBS Email

speakup@sanders.co.id
Start Creating Report

Reportable Incident Types

01

Fraud / Deception

Deviations or unlawful acts intentionally committed for personal or group benefits.

  • • Deception, Fraud & Lies
  • • Corporate crime / data manipulation
  • • Information engineering & destroying evidence
02

Code of Conduct Breach

Acts that violate the standards of professional integrity, honesty, and corporate discipline.

  • • Inappropriate behavior / misconduct
  • • Leakage of company confidential data
  • • Abuse of access rights & assets
03

Conflict of Interest

Conditions where an individual has a personal interest outside of Sanders interest in performing their duties.

  • • Bribery, Corruption, Collusion & Nepotism
  • • Acceptance of illegal gratifications
  • • Unfair cooperation with vendors
04

Legal Violation

Actions that violate laws, government regulations, or OJK P2P lending regulations.

  • • Extortion & criminal acts
  • • Money laundering / illegal activities
  • • Compliance regulation violations

WBS Complaint Report Form

Please fill in the information correctly and provide adequate incident details to assist our verification team in conducting review.

1

Reporter Identity

2

Incident Details

0 / 2000 Characters (Min. 50)
3

Attachments / Supporting Evidence (Optional)

Select files to upload

Can be images, PDF, Word documents, voice recordings (.mp3), or video recordings (.mp4). Max 10MB per file.

Acknowledgement & Legality Statement

"I hereby declare that this report is made in good faith, based on the truth of facts that I know and is not a false report or slander. I understand that falsifying information or providing slanderous reports that harm other parties has its own legal implications."

Regulatory Framework

Precise, Measured, Supervised

PT Satustop Finansial Solusi ("SANDERS") is registered and licensed by the Financial Services Authority ("OJK") as an Information Technology-Based Co-Funding Services (LPBBTI) Provider with Business License Number KEP-40/D.05/2021 dated May 11, 2021, such that the conduct of its business activities is strictly supervised by OJK in accordance with Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Co-Funding Services (LPBBTI).

SandersOJK Disclosure
01

This Information Technology-Based Co-Funding Service (LPBBTI) constitutes a civil agreement and consensus between the Lender and the Borrower, such that all risks shall be borne by each respective party.

02

Credit risk or default and all losses arising from or related to the borrowing and lending agreement shall be borne entirely by the Lender. No state institution or authority is responsible for such default risk and losses except through insurance coverage in accordance with applicable terms and conditions.

03

The Provider, with the consent of each respective User (Lender and/or Borrower), accesses, obtains, stores, manages, and/or uses User personal data ("Data Utilization") on or within physical objects, electronic devices (including smartphones or mobile phones), hardware or software, electronic documents, applications, or electronic systems owned or controlled by the User, by informing the purpose, limits, and mechanisms of such Data Utilization to the relevant User prior to obtaining the required consent.

04

Lenders who do not yet have sufficient knowledge and experience regarding this co-funding service are advised not to use this co-funding service.

05

Before using this service, Borrowers must consider the loan interest rate as well as other associated fees in accordance with their ability to repay the loan.

06

Any fraudulent acts are digitally recorded in cyberspace, may become known to the wider public on social media, and can serve as valid legal evidence according to laws and regulations concerning electronic information and transactions in dispute resolution and law enforcement processes.

07

Members of the public using this service must read and understand all information regarding this service before deciding to become a Lender or Borrower. A User's decision to utilize this Service constitutes proof and acknowledgment of understanding such information.

08

The Government, in this case the Financial Services Authority, is not responsible for any violations or non-compliance committed by Users, whether Lenders or Borrowers (due to intentional wrongdoing or negligence), against statutory regulations or agreements between the Provider and the Lender and/or Borrower.

09

Users agree that borrower credit records will be reported periodically to the Financial Services Authority and/or the Joint Funding Fintech Association (AFPI) for the purposes of the Fintech Lending Data Center (Fintech Data Center), which will be shared among providers, national banking industry actors, and other financial industry participants.

10

Every borrowing and lending transaction, activity, or execution of an agreement between or involving the Provider, Lenders, and/or Borrowers must be conducted through escrow accounts and virtual accounts as mandated under Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Co-Funding Services (LPBBTI), and any violation or non-compliance with these provisions constitutes evidence of unlawful acts committed by the Provider, such that the Provider shall be obligated to indemnify any losses suffered by respective Users as a direct consequence of the aforementioned unlawful acts without prejudice to the rights of the injured Users under the Civil Code.

Attention: Financing Risk

This information technology-based financing service involves risks. Make sure you read and understand the terms and conditions before making a financial decision.

Learn Our Technology & Risk