How to Easily Delete KTP Data on Online Loans

Online loans are currently increasingly popular among Indonesian people. However, some people may experience problems when they want to delete their personal data, such as their National Identity Card (KTP) number, from online loan services. How do you delete KTP data in online loans? This article will cover the steps.

What is an Online Loan?

Definition of Online Loans

Online lending is a financial service that allows someone to borrow money online from registered financial institutions.

Advantages and Disadvantages of Online Loans

Just like other financial services, online loans have advantages and disadvantages. The advantages include being easy and fast in the filing process, while the disadvantages are high interest and a difficult billing process.

How to delete KTP data on online loans?

Step 1: Contact Customer Service

The first step that must be taken is to contact customer service from an online loan institution. You can contact the agency by email, phone or social media.

Step 2: Verify Your Identity

After contacting customer service, you will be asked to verify your identity. Usually, online loan institutions ask you to send a copy of your KTP or other identity document.

Step 3: Request To Delete Your KTP Data

After identity verification is complete, you can ask to delete your KTP data from the online loan institution. Make sure to provide accurate and clear information about the data you want to delete.

Step 4: Wait for Confirmation from the Online Loan Institution

After submitting an application to delete your KTP data, wait for confirmation from the online loan institution. Usually, the agency will send an e-mail or short message stating that your KTP data has been deleted.

Laws Governing Personal Data Protection

The law that regulates the protection of personal data in Indonesia is Law Number 11 of 2008 concerning Information and Electronic Transactions or better known as the ITE Law. The ITE Law regulates the use of information technology and electronic transactions, including the management of personal data. Article 26 of the ITE Law stipulates that everyone who manages personal data must maintain the confidentiality of that data. In addition, data managers are also required to protect personal data from leakage, destruction and misuse. Apart from that, there is also Government Regulation Number 71 of 2019 concerning Protection of Personal Data which more specifically regulates the protection of personal data in Indonesia. This regulation regulates the rights of personal data owners, the obligations of personal data managers, and sanctions for data managers who violate personal data protection regulations. In Government Regulation Number 71 of 2019, it is stipulated that every owner of personal data has the right to know that his personal data is being managed by another party, to request correction of inaccurate data, and to request deletion of unnecessary or unauthorized personal data. Meanwhile, for personal data managers, this regulation regulates the obligation of data managers to ask permission from the data owner before collecting, using, or disclosing personal data. In addition, the data manager is also obliged to implement the necessary technical and organizational measures to protect personal data. For personal data managers who violate personal data protection rules, there are sanctions in the form of fines and revocation of business licenses for the institution or company concerned. With the existence of laws and regulations governing the protection of personal data, it is hoped that it can provide protection and security for owners of personal data in Indonesia.

Conclusion

Removing KTP data from online loan services can be done easily as long as you follow the right steps. Don’t hesitate to contact customer service if you need further assistance.

FAQs

1. 1. What is an online loan? Online lending is a financial service that allows someone to borrow money online from registered financial institutions.
   2. How to contact online loan institution customer service? You can contact customer service via email, phone or social media.
   3. What should I do after contacting customer service? You will be asked to verify your identity and ask to delete your KTP data.
   4. How long does it take to delete KTP data from online loan institutions? The time it takes to delete KTP data from online lending institutions can vary depending on the institution’s internal processes. However, most online lending institutions will process data deletion requests within 3-7 working days.
   5. Are online lending institutions obligated to delete KTP data if requested by a customer? Yes, online lending institutions are required to delete KTP data if requested by the customer. This is regulated in the personal data protection law.