Liability of Online Loan Application Providers to Third Parties for Misuse of Personal Data
Tanggung Jawab Penyelenggara Aplikasi Pinjaman Online kepada Pihak Ketiga atas Penyalahgunaan Data Pribadi
DOI:
https://doi.org/10.21070/ups.11691Keywords:
online lending, persona data protection, debt collectionAbstract
The rapid growth of online lending services has increased the risk of personal data misuse during debt collection, particularly against third parties who have no legal relationship with the loan agreement. This study aims to analyze the forms of personal data misuse and the legal responsibility of online lending providers for such violations. This normative legal research employs statutory and conceptual approaches by examining primary and secondary legal materials. The analysis uses qualitative methods through systematic legal interpretation. The findings reveal that personal data are misused through contact injection, spam and blast messages, robocalls, and false claims identifying third parties as guarantors. These practices violate personal data protection principles and consumers' rights. Online lending providers remain legally responsible for such misconduct and may incur administrative, civil, and criminal liability under the Personal Data Protection Law, the Electronic Information and Transactions Law, Financial Services Authority regulations, and the AFPI.
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