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ZURICH AND MBASTACK LIMITED INSURANCE COMPANY TERMS AND CONDITIONS

Welcome to Zurich One, a digital platform managed by PT Zurich Topas Life ("Zurich Life" or "We").

These are Zurich One Terms and Conditions ("Terms and Conditions"):

Please read the Zurich One Terms of Use carefully. By using Zurich One, You agree that you have read, understood, and are bound by the terms of the Zurich One Terms of Use.t

1. Zurich One Services

Zurich One is our tool and medium to provide information, promote services, and connect You with us, including for You to use our services with a registered account ("Account").

As a service provider ("Service"), the types of services that can be accessed and used through Zurich One are obtaining and managing personal data recorded in connection with your active insurance policies with Zurich Life and other services that We may add/develop from time to time.

The use of our services is limited to our customers who have an account in the form of a username and password that We provide.

2. GENERAL TERMS/INSURANCE POLICY

(1).Insurance Contract Parties

Insurer: Zurich Insurance Company Ltd. (hereinafter referred to as the “Insurer”)

Policyholder: MBAStack Limited (hereinafter referred to as the “Policyholder”)

(2). Purpose of Insurance

These insurance terms are designed to provide security for the work deposits of all Indonesian employees of MBAStack Limited. The insurer shall provide coverage to the insured party in accordance with these terms upon the occurrence of an insured event.

(3). Subject Matter of Insurance

The subject matter of insurance is the work deposits collected by MBAStack Limited from its Indonesian employees. These deposits are held in trust by Zurich Insurance Company Switzerland to ensure the security of employee funds.

(4). Scope of Coverage

The insurer shall cover losses to employee work deposits resulting from unforeseeable risks (e.g., natural disasters, theft, fire, company cessation of operations).

This insurance excludes losses arising from employee personal error or negligence.

(5). Sum Insured

The sum insured shall be determined based on the total amount of employment deposits collected by MBAStack Limited for each employee. The specific amount will be mutually confirmed by MBAStack Limited and

Zurich Insurance upon the insurance policy\'s effective date.

(6). Insurance Period

This insurance shall remain in force from the date of employment of MBAStack Limited employees until the date of refund of their employment deposits.

(7). Insurance Coverage

The insurer shall assume liability under the following circumstances:

(a).MBAStack Limited ceases operations;

(b).Loss of work deposits due to natural disasters (e.g., floods, earthquakes);

(c).Financial losses resulting from accidents such as theft or fire;

(d).Damage to employee work deposits caused by force majeure events.

(8). Claims Procedure

Upon discovering a work deposit loss, the insured party shall provide relevant proof of loss.

The insurer shall process and compensate the claim within 30 business days of receiving the claim application.

(9). Exclusion Clauses

The insurer shall not be liable for compensation under the following circumstances:

Losses arising from employee breaches of contract.

(10). Dispute Resolution

Any disputes arising from this insurance contract shall first be resolved through amicable negotiation. If negotiation fails, both parties agree to submit the matter to arbitration by an arbitration institution in Zurich, Switzerland, or to initiate litigation in the local courts.

(11). Miscellaneous Provisions

This insurance contract shall take effect and become legally binding upon signature by both parties.

Both parties agree that any amendments or supplements to the contract terms must be made in writing and confirmed by signatures of both parties.

PRIVACY POLICY

We respect the privacy rights of individuals and are committed to protecting your privacy and Personal Data and/or your clients' (as defined herein) in accordance with applicable laws and regulations.

ABOUT THIS POLICY

We have prepared this policy to provide details about the information We may collect from You and how We may use, store, disclose, and protect such information. This policy also sets out your rights in relation to the processing of Personal Data by us.

This policy is an integral part of the Zurich One Terms and Conditions ("Terms and Conditions"). Please read this policy and the Terms and Conditions carefully. By using Zurich One, You understand and agree to be bound by the terms of this policy and the Terms and Conditions.

PERSONAL DATA

Whenever We use the term "Personal Data" in this Policy, We refer to information, data, and/or documents about an individual that can directly or indirectly identify that person, either on its own or in combination with other information.

Personal Data may be provided directly by You through Zurich One or collected from third parties in accordance with applicable laws and regulations, including insurance companies.

In processing Personal Data, We may use, among other things:

However, Personal Data does not include personal information that is publicly available.

We expect any Personal Data You provide to us through Zurich One to be accurate, up-to-date, and complete as this is crucial for our administrative service processes. You are responsible for updating, completing, and/or correcting any errors or inaccuracies You become aware of regarding the Personal Data You have provided to us by contacting us.

By continuing to use Zurich One, You automatically consent to and accept the processing of Personal Data by us in accordance with the provisions of this Policy.

You hereby indemnify us from any claims, suits, damages, and/or liabilities related to: (a) errors in the service results caused by inaccuracies and/or incompleteness of the Personal Data you have provided to us; or (b) the provision of Personal Data of another party to us without permission.

PROCESSING OF PERSONAL DATA

Personal Data Protection Notice

This notice explains how We collect, use, disclose, and protect your Personal Data when You use the Zurich One Service.

By using this Service, You are required to agree to the collection and processing of your personal data in accordance with the established Personal Data Processing policy. If You do not agree to this policy, please refrain from using the Zurich One Service.

Collection of Personal Data

We may collect your Personal Data when You use our services.

We use the collected Personal Data for the following purposes, as well as for other purposes permitted by applicable laws and regulations, including:

Data Storage

We will store your Personal Data for as long as required by applicable laws and regulations.

We will also store your Personal Data for the duration necessary to provide the Service or to satisfy legal obligations.

Exercise of Rights

As a Personal Data Subject, You have various rights concerning your personal data under applicable laws and regulations, and You can contact us to exercise those rights.

You may request us to:

The Personal Data You have provided to us to the extent relevant and We store/maintain it in accordance with the provisions of this Policy, as well as any other rights You may have under the applicable privacy laws in Indonesia from time to time.

For the purpose of implementing point a of this provision, the provision of Personal Data will be done by us electronically and in electronic form, Or by any other means or forms agreed upon method between You and us.

In particular, for requests for the deletion of Personal Data that are directly required for the Service, such deletion must be known and agreed upon by relevant parties, including our relevant partners.

Data Security

We will make our best efforts to protect and secure your personal data against unauthorized access, unauthorized use, alteration, or unlawful disclosure.

External Links

This Service may contain links to external websites. You are responsible for verifying the accuracy of data processing practices or the content of those websites. Please read the Personal Data Protection Notice or privacy policies of each respective external website before sharing any information.

OTHERS

These Terms and Conditions of Service are subject to and shall be interpreted in accordance with the applicable laws in the Republic of Indonesia.

In the event of any discrepancies between the information in Zurich One and our data center, the information in our data center shall prevail.

If any provision of these Terms and Conditions of Service is determined to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms and Conditions of Service shall still apply.

In the event that there are legal provisions restricting or prohibiting the provision of Zurich One services or for certain considerations, We reserve the right to terminate the Zurich One service.

Users are also willing to provide the necessary information/documents to fulfill the requirements of Exchange of Information Reporting and promptly update if there are any changes to the data stated in the electronic form.

All content on Zurich One is protected by copyright laws. All logos, trademarks, service marks, and trade names

Zurich

Welcome to Zurich One, a digital platform managed by PT Zurich Topas Life ("Zurich Life" or "We").

These are Zurich One Terms and Conditions ("Terms and Conditions"):

Please read the Zurich One Terms of Use carefully. By using Zurich One, You agree that you have read, understood, and are bound by the terms of the Zurich One Terms of Use.t

1. Zurich One Services

Zurich One is our tool and medium to provide information, promote services, and connect You with us, including for You to use our services with a registered account ("Account").

As a service provider ("Service"), the types of services that can be accessed and used through Zurich One are obtaining and managing personal data recorded in connection with your active insurance policies with Zurich Life and other services that We may add/develop from time to time.

The use of our services is limited to our customers who have an account in the form of a username and password that We provide.

2. GENERAL TERMS/INSURANCE POLICY

(1).Insurance Contract Parties

Insurer: Zurich Insurance Company Ltd. (hereinafter referred to as the “Insurer”)

Policyholder: MBAStack Limited (hereinafter referred to as the “Policyholder”)

(2). Purpose of Insurance

These insurance terms are designed to provide security for the work deposits of all Indonesian employees of MBAStack Limited. The insurer shall provide coverage to the insured party in accordance with these terms upon the occurrence of an insured event.

(3). Subject Matter of Insurance

The subject matter of insurance is the work deposits collected by MBAStack Limited from its Indonesian employees. These deposits are held in trust by Zurich Insurance Company Switzerland to ensure the security of employee funds.

(4). Scope of Coverage

The insurer shall cover losses to employee work deposits resulting from unforeseeable risks (e.g., natural disasters, theft, fire, company cessation of operations).

This insurance excludes losses arising from employee personal error or negligence.

(5). Sum Insured

The sum insured shall be determined based on the total amount of employment deposits collected by MBAStack Limited for each employee. The specific amount will be mutually confirmed by MBAStack Limited and

Zurich Insurance upon the insurance policy\'s effective date.

(6). Insurance Period

This insurance shall remain in force from the date of employment of MBAStack Limited employees until the date of refund of their employment deposits.

(7). Insurance Coverage

The insurer shall assume liability under the following circumstances:

(a).MBAStack Limited ceases operations;

(b).Loss of work deposits due to natural disasters (e.g., floods, earthquakes);

(c).Financial losses resulting from accidents such as theft or fire;

(d).Damage to employee work deposits caused by force majeure events.

(8). Claims Procedure

Upon discovering a work deposit loss, the insured party shall provide relevant proof of loss.

The insurer shall process and compensate the claim within 30 business days of receiving the claim application.

(9). Exclusion Clauses

The insurer shall not be liable for compensation under the following circumstances:

Losses arising from employee breaches of contract.

(10). Dispute Resolution

Any disputes arising from this insurance contract shall first be resolved through amicable negotiation. If negotiation fails, both parties agree to submit the matter to arbitration by an arbitration institution in Zurich, Switzerland, or to initiate litigation in the local courts.

(11). Miscellaneous Provisions

This insurance contract shall take effect and become legally binding upon signature by both parties.

Both parties agree that any amendments or supplements to the contract terms must be made in writing and confirmed by signatures of both parties.

PRIVACY POLICY

We respect the privacy rights of individuals and are committed to protecting your privacy and Personal Data and/or your clients' (as defined herein) in accordance with applicable laws and regulations.

ABOUT THIS POLICY

We have prepared this policy to provide details about the information We may collect from You and how We may use, store, disclose, and protect such information. This policy also sets out your rights in relation to the processing of Personal Data by us.

This policy is an integral part of the Zurich One Terms and Conditions ("Terms and Conditions"). Please read this policy and the Terms and Conditions carefully. By using Zurich One, You understand and agree to be bound by the terms of this policy and the Terms and Conditions.

PERSONAL DATA

Whenever We use the term "Personal Data" in this Policy, We refer to information, data, and/or documents about an individual that can directly or indirectly identify that person, either on its own or in combination with other information.

Personal Data may be provided directly by You through Zurich One or collected from third parties in accordance with applicable laws and regulations, including insurance companies.

In processing Personal Data, We may use, among other things:

However, Personal Data does not include personal information that is publicly available.

We expect any Personal Data You provide to us through Zurich One to be accurate, up-to-date, and complete as this is crucial for our administrative service processes. You are responsible for updating, completing, and/or correcting any errors or inaccuracies You become aware of regarding the Personal Data You have provided to us by contacting us.

By continuing to use Zurich One, You automatically consent to and accept the processing of Personal Data by us in accordance with the provisions of this Policy.

You hereby indemnify us from any claims, suits, damages, and/or liabilities related to: (a) errors in the service results caused by inaccuracies and/or incompleteness of the Personal Data you have provided to us; or (b) the provision of Personal Data of another party to us without permission.

PROCESSING OF PERSONAL DATA

Personal Data Protection Notice

This notice explains how We collect, use, disclose, and protect your Personal Data when You use the Zurich One Service.

By using this Service, You are required to agree to the collection and processing of your personal data in accordance with the established Personal Data Processing policy. If You do not agree to this policy, please refrain from using the Zurich One Service.

Collection of Personal Data

We may collect your Personal Data when You use our services.

We use the collected Personal Data for the following purposes, as well as for other purposes permitted by applicable laws and regulations, including:

Data Storage

We will store your Personal Data for as long as required by applicable laws and regulations.

We will also store your Personal Data for the duration necessary to provide the Service or to satisfy legal obligations.

Exercise of Rights

As a Personal Data Subject, You have various rights concerning your personal data under applicable laws and regulations, and You can contact us to exercise those rights.

You may request us to:

The Personal Data You have provided to us to the extent relevant and We store/maintain it in accordance with the provisions of this Policy, as well as any other rights You may have under the applicable privacy laws in Indonesia from time to time.

For the purpose of implementing point a of this provision, the provision of Personal Data will be done by us electronically and in electronic form, Or by any other means or forms agreed upon method between You and us.

In particular, for requests for the deletion of Personal Data that are directly required for the Service, such deletion must be known and agreed upon by relevant parties, including our relevant partners.

Data Security

We will make our best efforts to protect and secure your personal data against unauthorized access, unauthorized use, alteration, or unlawful disclosure.

External Links

This Service may contain links to external websites. You are responsible for verifying the accuracy of data processing practices or the content of those websites. Please read the Personal Data Protection Notice or privacy policies of each respective external website before sharing any information.

OTHERS

These Terms and Conditions of Service are subject to and shall be interpreted in accordance with the applicable laws in the Republic of Indonesia.

In the event of any discrepancies between the information in Zurich One and our data center, the information in our data center shall prevail.

If any provision of these Terms and Conditions of Service is determined to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms and Conditions of Service shall still apply.

In the event that there are legal provisions restricting or prohibiting the provision of Zurich One services or for certain considerations, We reserve the right to terminate the Zurich One service.

Users are also willing to provide the necessary information/documents to fulfill the requirements of Exchange of Information Reporting and promptly update if there are any changes to the data stated in the electronic form.

All content on Zurich One is protected by copyright laws. All logos, trademarks, service marks, and trade names

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