Last Updated: June 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "Investor," "you," or "your") and PT Anargya Aset Manajemen ("Anargya," "Company," "we," "us," or "our"). By accessing or using anargya-aam.it.com (the "Website") or engaging our investment management and advisory services (the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must not access the Website or use our Services. These Terms apply to all visitors, registered users, investors, and any other persons who access or use our Website or Services. We reserve the right to refuse service to anyone for any reason at any time, subject to applicable law and regulatory obligations.
For the purposes of these Terms, the following definitions apply: (a) "Anargya" means PT Anargya Aset Manajemen, a limited liability company incorporated under the laws of the Republic of Indonesia, licensed as an Investment Manager (Manajer Investasi) and Investment Advisor (Penasehat Investasi) by the Otoritas Jasa Keuangan (OJK); (b) "Services" means all investment management, investment advisory, portfolio management, and related services offered by Anargya, including but not limited to the ANARGYA SUPER EQUITY mutual fund and the REKSA DANA SYARIAH SBSN ANARGYA SUPEROPTIMA fund; (c) "Website" means the internet site located at anargya-aam.it.com and all subdomains, related pages, and content therein; (d) "User" or "you" means any individual or entity accessing the Website or using the Services; (e) "Fund Prospectus" means the legally mandated offering document for each mutual fund, as filed with and approved by OJK, which contains detailed information about the fund's investment objectives, strategies, risks, fees, and terms; (f) "NAV" or "NAB" means Net Asset Value (Nilai Aktiva Bersih), the per-unit value of a mutual fund calculated daily; and (g) "OJK" means the Otoritas Jasa Keuangan, Indonesia's Financial Services Authority.
You may use our Website and Services only for lawful purposes and in accordance with these Terms. You agree not to: (a) Use the Website in any way that violates any applicable Indonesian law, regulation, or OJK rule; (b) Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Website, the servers on which it is hosted, or any server, computer, or database connected to the Website; (c) Use any robot, spider, scraper, or other automated means to access the Website for any purpose without our express written permission; (d) Introduce any viruses, malware, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (e) Attempt to probe, scan, or test the vulnerability of any Anargya system or network; (f) Impersonate or attempt to impersonate Anargya, an Anargya employee, another user, or any other person or entity; or (g) Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm Anargya or users of the Website or expose them to liability.
To access certain Services, including investing in our mutual funds, you may be required to create an account through an authorized distribution platform or directly with Anargya. When you create an account, you must provide accurate, current, and complete information as requested during the registration and KYC (Know Your Customer) process. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to: (a) Immediately notify us of any unauthorized use of your account or any other breach of security; (b) Ensure that you log out from your account at the end of each session when using shared or public devices; (c) Provide true, accurate, and complete identity and financial information as required by OJK regulations for investor onboarding; and (d) Update your information promptly if any changes occur. Anargya shall not be liable for any loss or damage arising from your failure to comply with these obligations.
All investment products and services offered by Anargya are subject to the detailed terms, conditions, and risk factors set forth in the relevant Fund Prospectus, which has been filed with and approved by OJK. The Fund Prospectus contains essential information that you must read and understand before making any investment decision. Investing in mutual funds involves risks, including but not limited to: market risk — the risk that the value of securities in the fund's portfolio may decline due to market-wide factors; liquidity risk — the risk that the fund may not be able to sell securities at an optimal time or price; concentration risk — the risk arising from a concentrated portfolio strategy; interest rate risk — the risk that changes in interest rates may negatively affect fixed-income securities; currency risk — the risk arising from exposure to foreign currency-denominated assets; operational risk — the risk of loss resulting from inadequate or failed internal processes, people, or systems; regulatory risk — the risk that changes in laws, regulations, or tax policies may adversely affect the fund; and Sharia compliance risk — for Sharia funds, the risk that changes in fatwa or Sharia interpretation may affect fund structures. Past performance is not indicative of future results. The value of investments and the income from them may go down as well as up, and investors may not get back the full amount originally invested.
The Website and all of its original content, features, and functionality — including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, and the design, selection, and arrangement thereof — are and shall remain the exclusive property of PT Anargya Aset Manajemen and its licensors. The Anargya name, the Anargya logo, ANARGYA SUPER EQUITY, ANARGYA SUPEROPTIMA, and all related names, logos, product and service names, designs, and slogans are trademarks of PT Anargya Aset Manajemen or its affiliates. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners. You may print or download extracts of content from the Website for your personal, non-commercial use only. You must not modify, reproduce, distribute, create derivative works from, publicly display, or commercially exploit any content from the Website without our express written consent.
You retain ownership of all personal data and content you submit to us through the Website or in connection with the Services. By submitting information to us, you grant Anargya a non-exclusive, royalty-free, worldwide license to use, store, reproduce, and process such information for the purpose of providing and improving our Services, complying with legal obligations, and as otherwise described in our Privacy Policy. You represent and warrant that: (a) You own or have the necessary rights to all content you submit; (b) Your content does not infringe upon the intellectual property rights, privacy rights, or any other legal rights of any third party; and (c) Your content complies with all applicable laws and regulations.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. ANARGYA EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. Without limiting the foregoing, Anargya makes no warranty that: (a) The Website will be available at all times, uninterrupted, secure, or error-free; (b) Any errors, defects, or inaccuracies in the Website or its content will be corrected; (c) The Website is free of viruses, malware, or other harmful components; (d) The content on the Website is accurate, complete, reliable, or current — content is provided for general information purposes only and should not be relied upon as the sole basis for investment decisions; or (e) Any investment objectives or returns described will be achieved. Investment decisions should be made solely on the basis of the relevant Fund Prospectus and after consultation with your own financial, legal, and tax advisors.
TO THE MAXIMUM EXTENT PERMITTED BY INDONESIAN LAW, IN NO EVENT SHALL PT ANARGYA ASET MANAJEMEN, ITS DIRECTORS, COMMISSIONERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, LOSS OF BUSINESS OPPORTUNITY, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE, OR THE COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF ANARGYA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Our total aggregate liability to you for any claims arising from or relating to these Terms or the Services shall not exceed the total amount of fees actually paid by you to Anargya in the twelve (12) months preceding the event giving rise to the claim. The foregoing limitations shall not apply to liability arising from: (a) Death or personal injury caused by our negligence; (b) Fraud or fraudulent misrepresentation; or (c) Any other liability that cannot be excluded or limited by applicable Indonesian law.
Anargya takes fraud prevention and investor protection extremely seriously. As an OJK-licensed entity, we maintain robust internal controls, segregation of duties, and independent oversight mechanisms designed to detect and prevent fraudulent activity. All fund assets are held by an independent custodian bank, PT Bank KEB Hana Indonesia, which provides an additional layer of protection and independent verification. In the event of fraud perpetrated by an Anargya employee or agent, we will pursue all available legal remedies and cooperate fully with law enforcement and regulatory authorities. Anargya maintains professional indemnity insurance and fidelity coverage commensurate with our operations, as required by OJK. If you suspect fraudulent activity related to your account or our Services, you must notify us immediately at info@anargya-aam.it.com or +62 21-29407184, and we will investigate promptly.
Anargya operates as a licensed Investment Manager and Investment Advisor under the supervision of the Otoritas Jasa Keuangan (OJK), pursuant to Indonesian Law No. 8 of 1995 concerning Capital Markets and its implementing regulations, as amended. All mutual fund products are registered with and approved by OJK. We are subject to ongoing regulatory obligations, including but not limited to: maintaining minimum capital adequacy ratios; filing periodic regulatory reports; conducting independent audits; implementing AML/CFT programs; maintaining client asset segregation through independent custodians; and complying with OJK's consumer protection regulations. Our registration and licensing status can be verified through OJK's official registry. Nothing in these Terms shall be construed as waiving any rights or protections afforded to investors under Indonesian capital markets law and OJK regulations.
Investment income, including dividends, interest, and capital gains, may be subject to taxation under Indonesian law. Anargya will provide you with the tax reporting documentation required by the Indonesian Directorate General of Taxes, including annual tax withholding statements (bukti potong pajak). You are solely responsible for: (a) Determining your tax obligations, including those arising from your country of tax residence; (b) Filing all required tax returns accurately and on time; (c) Paying any taxes, penalties, or interest due on investment income; and (d) Seeking independent tax advice regarding the implications of your investments. Anargya makes no representations regarding the tax consequences of any investment and shall not be liable for any tax liabilities, penalties, or interest incurred by you.
You may request redemption of your mutual fund units and closure of your account at any time, subject to the redemption terms and procedures set forth in the applicable Fund Prospectus. Redemption proceeds will be calculated based on the Net Asset Value (NAV/NAB) applicable on the redemption date, as specified in the prospectus, less any applicable redemption fees and taxes. Settlement of redemption proceeds shall occur within the timeframe specified in the Fund Prospectus, subject to market liquidity and operational processing. In certain circumstances described in the Fund Prospectus — such as periods of extreme market volatility, suspension of trading on the Indonesia Stock Exchange, or other force majeure events — redemption may be suspended or deferred in accordance with OJK regulations and the terms of the Fund Prospectus. You will be notified of any such suspension and its expected duration.
We may terminate or suspend your access to the Website and Services immediately, without prior notice or liability, if: (a) You breach any provision of these Terms; (b) You engage in conduct that we reasonably believe violates applicable law, regulation, or OJK rules; (c) We are required to do so by law, regulation, or a regulatory authority; (d) You provide false, inaccurate, or misleading information during the KYC process; (e) We suspect fraudulent, illegal, or unauthorized activity in connection with your account; or (f) You fail to maintain the minimum investment balance or meet ongoing eligibility requirements as specified in the Fund Prospectus. Upon termination: (i) Your right to access the Website and use the Services will immediately cease; (ii) Any outstanding investment positions will be handled in accordance with the Fund Prospectus; and (iii) Provisions of these Terms that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution — shall continue in full force and effect.
These Terms shall be governed by and construed in accordance with the laws of the Republic of Indonesia, without regard to its conflict of law provisions. Any dispute, controversy, or claim arising out of or relating to these Terms, the Website, or the Services — including disputes regarding their existence, validity, interpretation, breach, or termination — shall first be attempted to be resolved amicably through good-faith negotiations between the parties. If the dispute is not resolved within thirty (30) calendar days of either party providing written notice of the dispute to the other, either party may refer the matter to mediation administered by the Indonesian Capital Market Arbitration Board (Badan Arbitrase Pasar Modal Indonesia / BAPMI) or, failing resolution through mediation, to binding arbitration under the rules of BAPMI. The arbitration shall be conducted in Jakarta, Indonesia, in the Indonesian language. The arbitration award shall be final and binding on both parties. Notwithstanding the foregoing, Anargya reserves the right to seek injunctive or other equitable relief from any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of our intellectual property rights or confidential information.
We reserve the right to modify, amend, or replace these Terms at any time in our sole discretion. When we make material changes, we will: (a) Post the revised Terms on this page with an updated "Last Updated" date; (b) Provide at least thirty (30) calendar days' notice before the changes take effect by posting a prominent notice on our Website and, for registered investors, sending an email notification; and (c) Where required by OJK regulations, obtain your explicit consent to material changes that affect your rights or obligations. Your continued use of the Website or Services after the effective date of any revised Terms constitutes your acceptance of those changes. If you do not agree with the revised Terms, you must discontinue use of the Website and Services and may request redemption of your investments in accordance with the Fund Prospectus.
(a) Entire Agreement: These Terms, together with the applicable Fund Prospectus, our Privacy Policy, and our Cookie Privacy Policy, constitute the entire agreement between you and Anargya concerning the Website and Services, and supersede all prior or contemporaneous communications, understandings, and agreements, whether oral or written. (b) Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be deemed modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect. (c) Waiver: The failure of Anargya to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. No waiver of any breach shall constitute a waiver of any subsequent breach. (d) Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. Anargya may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets. (e) Force Majeure: Anargya shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government orders, pandemic, labor disputes, telecommunications failures, or market closures. (f) Notices: All notices and communications under these Terms shall be in writing and delivered to the parties at their respective addresses set forth in the account records, or via email to the email address on file. Notices to Anargya should be sent to info@anargya-aam.it.com or our registered office address. (g) Language: These Terms are written in English. In the event of any inconsistency between the English version and any translation, the English version shall prevail. (h) Third-Party Rights: These Terms do not confer any rights on any third party pursuant to any applicable law. (i) Survival: Any provisions that by their nature should survive termination of these Terms shall so survive.