Up to 24 Months 0% Installment at Selected e-Commerce

PROGRAM GENERAL TERMS AND CONDITIONS

UP TO 12 MONTHS 0% INSTALLMENT AT SHOPEE

 

These general terms and conditions (Program General Terms and Conditions) refer to applicable terms and conditions for participating Cardholders who avail of up to 12 months 0% installment at Shopee (Program), organized by PT Bank Danamon Indonesia Tbk (Bank Danamon) in collaboration with Shopee as the merchant partner.

 

The Cardholder hereby agrees and binds himself/herself to all the following provisions of the Program General Terms and Conditions.

 

  1. Program Period

    The Program is valid from 15 September 2023 until 30 September 2025 (Program Period).

     

  2. Program Terms and Conditions 
    1. All Cardholders are required to read and understand the Program General Terms and Conditions.
    2. Bank Danamon has the right to disallow or cancel the Cardholder's participation in this Program if he/she fails to fulfill its General Terms and Conditions.
    3. The Cardholder bears full responsibility for all risks of loss, demands, suits and/or claims in connection with his/her participation and/or cancellation of participation in this Program.
    4. The Program applies to Bank Danamon customers who hold Bank Danamon Credit and Charge Cards bearing the Visa, Mastercard, JCB or American Express logo, but excludes corporate type of Credit and Charge Cards (Cards).
    5. The installment program has the following conditions:
      1. The 0% (zero percent) installment program is valid for tenors of 3 (three), 6 (six), or 12 (twelve) months with a minimum transaction based on the table below:

        Installment Tenor

        Minimum Transaction

        3 months

        Rp500.000

        6 months

        Rp500.000

        12 monhts

        Rp500.000

       

      1. The Program applies to transactions involving purchase of any product at Shopee. 
      2. The Program applies to either principal or supplementary cards.
      3. Bank Danamon will charge an administration fee amounting to IDR 15,000 (Fifteen Thousand Rupiah) for every transaction that is converted into installments. There are no additional costs from the merchant partner.
      4. Any transaction converted into installments will not be entitled to earn D-Points or Membership Rewards Points.
      5. The application process for installment conversion should be done directly at the outlet. Ensure that no other conversion has been submitted via other channels (e.g. SMS, e-mail). 
    6. This Program cannot be combined with other programs or promotions.
    7. Once the Cardholder performs transactions in accordance with the Program General Terms and Conditions, he/she is deemed to have read, understood and agreed to participate in the Program and is subject to its General Terms and Conditions. The transactions performed by the Cardholder serve as valid proof of his/her participation in the Program and agreement to comply with its General Terms and Conditions.
    8. The program also applies to selected Standard Chartered Bank Indonesia Credit Cards. More information: bdi.co.id/promoscb

       

  3. Other Terms and Conditions
  1. The merchant’s products, services and/or discounts in this Program are entirely the responsibility of the merchant partner, not of Bank Danamon. If there are problems and/or complaints regarding these products, services and/or savings, please contact the corresponding merchant partner directly.
  2. The Cardholder declares that current and future transactions have no indications of money laundering and/or other similar activities that are prohibited under Indonesia’s laws and regulations.
  3. If there are reported indications of fraud, deceit and/or transaction irregularities, Bank Danamon has the right to cancel the transaction or disallow installments to the Cardholder.
  4. Other terms and conditions related to banking products and/or services, as long as those are not regulated differently in the Program General Terms and Conditions, are declared to remain valid and binding on the Cardholder and shall become an inseparable part of the Program General Terms and Conditions.
  5. The Program General Terms and Conditions form an integral and inseparable part of the "General Terms and Conditions for Danamon Credit Card Membership". These terms and conditions remain valid as long as those are not regulated otherwise in the Program General Terms and Conditions.
  6. The Cardholder hereby agrees and acknowledges that Bank Danamon has the right to revise/amend/update the Program General Terms and Conditions. Any changes/amendments/updates to the Program General Terms and Conditions will be notified via Bank Danamon’s available communication media. In case of changes to the benefits, risks, costs, terms and conditions based on the Program General Terms and Conditions, the Cardholder has the right to submit a written objection to Bank Danamon within 30 (thirty) working days upon notification of the change by Bank Danamon through its available communication media. The Cardholder agrees that Bank Danamon will consider his/her agreement to the changes if he/she fails to submit an objection within that time period. If the Cardholder disagrees with those changes, he/she has the right to cancel participation in the Program by first completing all his/her obligations to Bank Danamon (if any).
  7. Cardholders and/or cardholder representatives can submit verbal or written complaints regarding banking transactions/services through the nearest Bank Danamon branch office, Hello Danamon (1-500-090) or email at hellodanamon@danamon.co.id.
  8. Procedures regarding complaint services can be accessed via the website link https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
  9. PT Bank Danamon Indonesia Tbk, which is a member of the Deposit Insurance Corporation, is licensed and supervised by the Financial Services Authority.
  10. These General Terms and Conditions follow the provisions of laws and regulations including those of the Financial Services Authority regulations.

PROGRAM GENERAL TERMS AND CONDITIONS

UP TO 12 MONTHS 0% INSTALLMENT AT TOKOPEDIA

 

These general terms and conditions (Program General Terms and Conditions) refer to applicable terms and conditions for participating Cardholders who avail of up to 12 months 0% installment at Tokopedia (Program), organized by PT Bank Danamon Indonesia Tbk (Bank Danamon) in collaboration with Tokopedia as the merchant partner.

 

The Cardholder hereby agrees and binds himself/herself to all the following provisions of the Program General Terms and Conditions.

 

  1. Program Period

    The Program is valid from 1 September 2023 until 31 August 2025 (Program Period).

     

  2. Program Terms and Conditions 
    1. All Cardholders are required to read and understand the Program General Terms and Conditions.
    2. Bank Danamon has the right to disallow or cancel the Cardholder's participation in this Program if he/she fails to fulfill its General Terms and Conditions.
    3. The Cardholder bears full responsibility for all risks of loss, demands, suits and/or claims in connection with his/her participation and/or cancellation of participation in this Program.
    4. The Program applies to Bank Danamon customers who hold Bank Danamon Credit and Charge Cards bearing the Visa, Mastercard, JCB or American Express logo, but excludes corporate type of Credit and Charge Cards (Cards).
    5. The installment program has the following conditions:
      1. The 0% (zero percent) installment program is valid for tenors of 3 (three), 6 (six), or 12 (twelve) months with a minimum transaction based on the table below:

        Installment Tenor

        Minimum Transaction

        3 months

        Rp500.000

        6 months

        Rp500.000

        12 months

        Rp500.000

       

      1. The Program applies to transactions involving purchase of any product at Tokopedia. 
      2. The Program applies to either principal or supplementary cards.
      3. Bank Danamon will charge an administration fee amounting to IDR 15,000 (Fifteen Thousand Rupiah) for every transaction that is converted into installments. There are no additional costs from the merchant partner.
      4. Any transaction converted into installments will not be entitled to earn D-Points or Membership Rewards Points.
      5. The application process for installment conversion should be done directly at the outlet. Ensure that no other conversion has been submitted via other channels (e.g. SMS, e-mail). 
    6. This Program cannot be combined with other programs or promotions.
    7. Once the Cardholder performs transactions in accordance with the Program General Terms and Conditions, he/she is deemed to have read, understood and agreed to participate in the Program and is subject to its General Terms and Conditions. The transactions performed by the Cardholder serve as valid proof of his/her participation in the Program and agreement to comply with its General Terms and Conditions.
    8. The program also applies to selected Standard Chartered Bank Indonesia Credit Cards. More information: bdi.co.id/promoscb

       

  3. Other Terms and Conditions
  1. The merchant’s products, services and/or discounts in this Program are entirely the responsibility of the merchant partner, not of Bank Danamon. If there are problems and/or complaints regarding these products, services and/or savings, please contact the corresponding merchant partner directly.
  2. The Cardholder declares that current and future transactions have no indications of money laundering and/or other similar activities that are prohibited under Indonesia’s laws and regulations.
  3. If there are reported indications of fraud, deceit and/or transaction irregularities, Bank Danamon has the right to cancel the transaction or disallow installments to the Cardholder.
  4. Other terms and conditions related to banking products and/or services, as long as those are not regulated differently in the Program General Terms and Conditions, are declared to remain valid and binding on the Cardholder and shall become an inseparable part of the Program General Terms and Conditions.
  5. The Program General Terms and Conditions form an integral and inseparable part of the "General Terms and Conditions for Danamon Credit Card Membership". These terms and conditions remain valid as long as those are not regulated otherwise in the Program General Terms and Conditions.
  6. The Cardholder hereby agrees and acknowledges that Bank Danamon has the right to revise/amend/update the Program General Terms and Conditions. Any changes/amendments/updates to the Program General Terms and Conditions will be notified via Bank Danamon’s available communication media. In case of changes to the benefits, risks, costs, terms and conditions based on the Program General Terms and Conditions, the Cardholder has the right to submit a written objection to Bank Danamon within 30 (thirty) working days upon notification of the change by Bank Danamon through its available communication media. The Cardholder agrees that Bank Danamon will consider his/her agreement to the changes if he/she fails to submit an objection within that time period. If the Cardholder disagrees with those changes, he/she has the right to cancel participation in the Program by first completing all his/her obligations to Bank Danamon (if any).
  7. Cardholders and/or cardholder representatives can submit verbal or written complaints regarding banking transactions/services through the nearest Bank Danamon branch office, Hello Danamon (1-500-090) or email at hellodanamon@danamon.co.id.
  8. Procedures regarding complaint services can be accessed via the website link https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
  9. PT Bank Danamon Indonesia Tbk, which is a member of the Deposit Insurance Corporation, is licensed and supervised by the Financial Services Authority.
  10. These General Terms and Conditions follow the provisions of laws and regulations including those of the Financial Services Authority regulations.

PROGRAM GENERAL TERMS AND CONDITIONS

UP TO 12 MONTHS 0% INSTALLMENT AT BUKALAPAK

 

These general terms and conditions (Program General Terms and Conditions) refer to applicable terms and conditions for participating Cardholders who avail of up to 12 months 0% installment at Bukalapak (Program), organized by PT Bank Danamon Indonesia Tbk (Bank Danamon) in collaboration with Bukalapak as the merchant partner.

 

The Cardholder hereby agrees and binds himself/herself to all the following provisions of the Program General Terms and Conditions.

 

  1. Program Period

    The Program is valid from 1 September 2023 until 30 June 2024 (Program Period).

     

  2. Program Terms and Conditions 
    1. All Cardholders are required to read and understand the Program General Terms and Conditions.
    2. Bank Danamon has the right to disallow or cancel the Cardholder's participation in this Program if he/she fails to fulfill its General Terms and Conditions.
    3. The Cardholder bears full responsibility for all risks of loss, demands, suits and/or claims in connection with his/her participation and/or cancellation of participation in this Program.
    4. The Program applies to Bank Danamon customers who hold Bank Danamon Credit and Charge Cards bearing the Visa, Mastercard, JCB or American Express logo, but excludes corporate type of Credit and Charge Cards (Cards).
    5. The installment program has the following conditions:
      1. The 0% (zero percent) installment program is valid for tenors of 3 (three), 6 (six), or 12 (twelve) months with a minimum transaction based on the table below:

        Installment Tenor

        Minimum Transaction

        3 months

        Rp500.000

        6 months

        Rp500.000

        12 months

        Rp500.000

       

      1. The Program applies to transactions involving purchase of any product at Bukalapak. 
      2. The Program applies to either principal or supplementary cards.
      3. Bank Danamon will charge an administration fee amounting to IDR 15,000 (Fifteen Thousand Rupiah) for every transaction that is converted into installments. There are no additional costs from the merchant partner.
      4. Any transaction converted into installments will not be entitled to earn D-Points or Membership Rewards Points.
      5. The application process for installment conversion should be done directly at the outlet. Ensure that no other conversion has been submitted via other channels (e.g. SMS, e-mail). 
    6. This Program cannot be combined with other programs or promotions.
    7. Once the Cardholder performs transactions in accordance with the Program General Terms and Conditions, he/she is deemed to have read, understood and agreed to participate in the Program and is subject to its General Terms and Conditions. The transactions performed by the Cardholder serve as valid proof of his/her participation in the Program and agreement to comply with its General Terms and Conditions.
    8. The program also applies to selected Standard Chartered Bank Indonesia Credit Cards. More information: bdi.co.id/promoscb

       

  3. Other Terms and Conditions
  1. The merchant’s products, services and/or discounts in this Program are entirely the responsibility of the merchant partner, not of Bank Danamon. If there are problems and/or complaints regarding these products, services and/or savings, please contact the corresponding merchant partner directly.
  2. The Cardholder declares that current and future transactions have no indications of money laundering and/or other similar activities that are prohibited under Indonesia’s laws and regulations.

  3. If there are reported indications of fraud, deceit and/or transaction irregularities, Bank Danamon has the right to cancel the transaction or disallow installments to the Cardholder.
  4. Other terms and conditions related to banking products and/or services, as long as those are not regulated differently in the Program General Terms and Conditions, are declared to remain valid and binding on the Cardholder and shall become an inseparable part of the Program General Terms and Conditions.
  5. The Program General Terms and Conditions form an integral and inseparable part of the "General Terms and Conditions for Danamon Credit Card Membership". These terms and conditions remain valid as long as those are not regulated otherwise in the Program General Terms and Conditions.
  6. The Cardholder hereby agrees and acknowledges that Bank Danamon has the right to revise/amend/update the Program General Terms and Conditions. Any changes/amendments/updates to the Program General Terms and Conditions will be notified via Bank Danamon’s available communication media. In case of changes to the benefits, risks, costs, terms and conditions based on the Program General Terms and Conditions, the Cardholder has the right to submit a written objection to Bank Danamon within 30 (thirty) working days upon notification of the change by Bank Danamon through its available communication media. The Cardholder agrees that Bank Danamon will consider his/her agreement to the changes if he/she fails to submit an objection within that time period. If the Cardholder disagrees with those changes, he/she has the right to cancel participation in the Program by first completing all his/her obligations to Bank Danamon (if any).
  7. Cardholders and/or cardholder representatives can submit verbal or written complaints regarding banking transactions/services through the nearest Bank Danamon branch office, Hello Danamon (1-500-090) or email at hellodanamon@danamon.co.id.
  8. Procedures regarding complaint services can be accessed via the website link https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
  9. PT Bank Danamon Indonesia Tbk, which is a member of the Deposit Insurance Corporation, is licensed and supervised by the Financial Services Authority.
  10. These General Terms and Conditions follow the provisions of laws and regulations including those of the Financial Services Authority regulations.

PROGRAM GENERAL TERMS AND CONDITIONS

UP TO 24 MONTHS 0% INSTALLMENT AT BLIBLI

 

These general terms and conditions (Program General Terms and Conditions) refer to applicable terms and conditions for participating Cardholders who avail of up to 24 months 0% installment at Blibli (Program), organized by PT Bank Danamon Indonesia Tbk (Bank Danamon) in collaboration with Blibli as the merchant partner.

 

The Cardholder hereby agrees and binds himself/herself to all the following provisions of the Program General Terms and Conditions.

 

  1. Program Period

    The Program is valid from 6 September 2023 until 31 December 2024 (Program Period).

     

  2. Program Terms and Conditions 
    1. All Cardholders are required to read and understand the Program General Terms and Conditions.
    2. Bank Danamon has the right to disallow or cancel the Cardholder's participation in this Program if he/she fails to fulfill its General Terms and Conditions.
    3. The Cardholder bears full responsibility for all risks of loss, demands, suits and/or claims in connection with his/her participation and/or cancellation of participation in this Program.
    4. The Program applies to Bank Danamon customers who hold Bank Danamon Credit and Charge Cards bearing the Visa, Mastercard, JCB or American Express logo, but excludes corporate type of Credit and Charge Cards (Cards).
    5. The installment program has the following conditions:
      1. The 0% (zero percent) installment program is valid for tenors of 3 (three), 6 (six), 12 (twelve), 18 (eighteen) or 24 (twenty four) months with a minimum transaction based on the table below:

        Installment Tenor

        Minimum Transaction

        3 months

        Rp500.000

        6 months

        Rp500.000

        12 months

        Rp500.000

        18 months

        Rp500.000

        24 months

        Rp500.000

       

      1. The Program applies to transactions involving purchase of any product at Blibli. 
      2. The Program applies to either principal or supplementary cards.
      3. Bank Danamon will charge an administration fee amounting to IDR 15,000 (Fifteen Thousand Rupiah) for every transaction that is converted into installments. There are no additional costs from the merchant partner.
      4. Any transaction converted into installments will not be entitled to earn D-Points or Membership Rewards Points.
      5. The application process for installment conversion should be done directly at the outlet. Ensure that no other conversion has been submitted via other channels (e.g. SMS, e-mail). 
    6. This Program cannot be combined with other programs or promotions.
    7. Once the Cardholder performs transactions in accordance with the Program General Terms and Conditions, he/she is deemed to have read, understood and agreed to participate in the Program and is subject to its General Terms and Conditions. The transactions performed by the Cardholder serve as valid proof of his/her participation in the Program and agreement to comply with its General Terms and Conditions.
    8. The program also applies to selected Standard Chartered Bank Indonesia Credit Cards. More information: bdi.co.id/promoscb

       

  3. Other Terms and Conditions
  1. The merchant’s products, services and/or discounts in this Program are entirely the responsibility of the merchant partner, not of Bank Danamon. If there are problems and/or complaints regarding these products, services and/or savings, please contact the corresponding merchant partner directly.
  2. The Cardholder declares that current and future transactions have no indications of money laundering and/or other similar activities that are prohibited under Indonesia’s laws and regulations.
  3. If there are reported indications of fraud, deceit and/or transaction irregularities, Bank Danamon has the right to cancel the transaction or disallow installments to the Cardholder.
  4. Other terms and conditions related to banking products and/or services, as long as those are not regulated differently in the Program General Terms and Conditions, are declared to remain valid and binding on the Cardholder and shall become an inseparable part of the Program General Terms and Conditions.
  5. The Program General Terms and Conditions form an integral and inseparable part of the "General Terms and Conditions for Danamon Credit Card Membership". These terms and conditions remain valid as long as those are not regulated otherwise in the Program General Terms and Conditions.
  6. The Cardholder hereby agrees and acknowledges that Bank Danamon has the right to revise/amend/update the Program General Terms and Conditions. Any changes/amendments/updates to the Program General Terms and Conditions will be notified via Bank Danamon’s available communication media. In case of changes to the benefits, risks, costs, terms and conditions based on the Program General Terms and Conditions, the Cardholder has the right to submit a written objection to Bank Danamon within 30 (thirty) working days upon notification of the change by Bank Danamon through its available communication media. The Cardholder agrees that Bank Danamon will consider his/her agreement to the changes if he/she fails to submit an objection within that time period. If the Cardholder disagrees with those changes, he/she has the right to cancel participation in the Program by first completing all his/her obligations to Bank Danamon (if any).
  7. Cardholders and/or cardholder representatives can submit verbal or written complaints regarding banking transactions/services through the nearest Bank Danamon branch office, Hello Danamon (1-500-090) or email at hellodanamon@danamon.co.id.
  8. Procedures regarding complaint services can be accessed via the website link https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
  9. PT Bank Danamon Indonesia Tbk, which is a member of the Deposit Insurance Corporation, is licensed and supervised by the Financial Services Authority.
  10. These General Terms and Conditions follow the provisions of laws and regulations including those of the Financial Services Authority regulations.

PROGRAM GENERAL TERMS AND CONDITIONS

UP TO 12 MONTHS 0% INSTALLMENT AT DINOMARKET

 

These general terms and conditions (Program General Terms and Conditions) refer to applicable terms and conditions for participating Cardholders who avail of up to 12 months 0% installment at Dinomarket (Program), organized by PT Bank Danamon Indonesia Tbk (Bank Danamon) in collaboration with Dinomarket as the merchant partner.

 

The Cardholder hereby agrees and binds himself/herself to all the following provisions of the Program General Terms and Conditions.

 

  1. Program Period

    The Program is valid from 15 September 2023 until 30 September 2025 (Program Period).

     

  2. Program Terms and Conditions 
    1. The Program applies to Bank Danamon customers who hold Bank Danamon Credit and Charge Cards bearing the Visa, Mastercard, JCB or American Express logo, but excludes corporate type of Credit and Charge Cards (Cards).
    2. All Cardholders are required to read and understand the Program General Terms and Conditions.
    3. Bank Danamon has the right to disallow or cancel the Cardholder's participation in this Program if he/she fails to fulfill its General Terms and Conditions.
    4. The Cardholder bears full responsibility for all risks of loss, demands, suits and/or claims in connection with his/her participation and/or cancellation of participation in this Program.
    5. The installment program has the following conditions:
      1. The 0% (zero percent) installment program is valid for tenors of 3 (three), 6 (six), or 12 (twelve) months with a minimum transaction based on the table below:

        Installment Tenor

        Minimum Transaction

        3 months

        Rp500.000

        6 months

        Rp500.000

        12 months

        Rp500.000

       

      1. The Program applies to transactions involving purchase of any product at Dinomarket. 
      2. The Program applies to either principal or supplementary cards;
      3. Bank Danamon will charge an administration fee amounting to IDR 15,000 (Fifteen Thousand Rupiah) for every transaction that is converted into installments. There are no additional costs from the merchant partner.
      4. Any transaction converted into installments will not be entitled to earn D-Points or Membership Rewards Points.
      5. The application process for installment conversion should be done directly at the outlet. Ensure that no other conversion has been submitted via other channels (e.g. SMS, e-mail). 
    6. This Program cannot be combined with other programs or promotions.
    7. Once the Cardholder performs transactions in accordance with the Program General Terms and Conditions, he/she is deemed to have read, understood and agreed to participate in the Program and is subject to its General Terms and Conditions. The transactions performed by the Cardholder serve as valid proof of his/her participation in the Program and agreement to comply with its General Terms and Conditions.
    8. The program also applies to selected Standard Chartered Bank Indonesia Credit Cards. More information: bdi.co.id/promoscb

       

  3. Other Terms and Conditions
  1. The merchant’s products, services and/or discounts in this Program are entirely the responsibility of the merchant partner, not of Bank Danamon. If there are problems and/or complaints regarding these products, services and/or savings, please contact the corresponding merchant partner directly.
  2. The Cardholder declares that current and future transactions have no indications of money laundering and/or other similar activities that are prohibited under Indonesia’s laws and regulations.
  3. If there are reported indications of fraud, deceit and/or transaction irregularities, Bank Danamon has the right to cancel the transaction or disallow installments to the Cardholder.
  4. Other terms and conditions related to banking products and/or services, as longHTML as those are not regulated differently in the Program General Terms and Conditions, are declared to remain valid and binding on the Cardholder and shall become an inseparable part of the Program General Terms and Conditions.
  5. The Program General Terms and Conditions form an integral and inseparable part of the "General Terms and Conditions for Danamon Credit Card Membership". These terms and conditions remain valid as long as those are not regulated otherwise in the Program General Terms and Conditions.
  6. The Cardholder hereby agrees and acknowledges that Bank Danamon has the right to revise/amend/update the Program General Terms and Conditions. Any changes/amendments/updates to the Program General Terms and Conditions will be notified via Bank Danamon’s available communication media. In case of changes to the benefits, risks, costs, terms and conditions based on the Program General Terms and Conditions, the Cardholder has the right to submit a written objection to Bank Danamon within 30 (thirty) working days upon notification of the change by Bank Danamon through its available communication media. The Cardholder agrees that Bank Danamon will consider his/her agreement to the changes if he/she fails to submit an objection within that time period. If the Cardholder disagrees with those changes, he/she has the right to cancel participation in the Program by first completing all his/her obligations to Bank Danamon (if any).
  7. Cardholders and/or cardholder representatives can submit verbal or written complaints regarding banking transactions/services through the nearest Bank Danamon branch office, Hello Danamon (1-500-090) or email at hellodanamon@danamon.co.id.
  8. Procedures regarding complaint services can be accessed via the website link https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
  9. PT Bank Danamon Indonesia Tbk, which is a member of the Deposit Insurance Corporation, is licensed and supervised by the Financial Services Authority.
  10. These General Terms and Conditions follow the provisions of laws and regulations including those of the Financial Services Authority regulations.
 


REMINDER
Cardholders must take necessary precautions against fraud committed by unauthorized individuals acting on behalf of Bank Danamon who promise rewards in any form. All forms of fraud or other criminal and deceitful acts committed by other parties/third parties associated with or on behalf of the Program are beyond the authority of Bank Danamon.