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Josef Purwadi
Universitas Slamet Riyadi
Social Sciences

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Protection of Customer Personal Data in the Standard Clauses of the Privacy Policy of the Seabank Digital Bank Application Nimas Yuski Nur Lailli; Josef Purwadi; Yokhebed Arumdika
Journal of Law Perspectives Review Vol. 2 No. 2 (2026): April
Publisher : Catalist Indo Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64670/jlpr.v2i2.76

Abstract

This study aims to analyze the validity of standard clauses in the privacy policy of PT Bank SeaBank Indonesia, particularly in relation to customer personal data protection, and to examine the legal consequences arising from such clauses under Indonesian law. The research employs a normative legal method with statutory and conceptual approaches, relying on primary, secondary, and tertiary legal materials analyzed qualitatively through prescriptive reasoning. The findings reveal that the standard clauses used in SeaBank’s privacy policy tend to position customers in a weaker bargaining position through a “take it or leave it” mechanism, granting broad authority to the bank in processing personal data. These clauses are often general, lack transparency, and do not fully comply with the principles of legality, transparency, and informed consent as required by the Personal Data Protection Law and Consumer Protection Law. Furthermore, certain clauses potentially limit the liability of the bank, which may contradict existing legal provisions. Consequently, such clauses may be declared null and void if proven detrimental to customers, and the bank may bear legal responsibility for resulting damages. In conclusion, stronger regulatory supervision, improved transparency, and enhanced legal and digital literacy are essential to ensure effective personal data protection in digital banking services.
Optimalisasi Perlindungan Konsumen Digital untuk Mencegah Brainrot dalam Perspektif Tujuan Pembangunan Berkelanjutan (SDGs) 3 Josef Purwadi; Ayu Kumala Sari Hamidi
Integralistik Vol. 37 No. 2 (2026): Juli :2026
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/integralistik.v37i2.31970

Abstract

The rapid development of digital technology has given rise to the phenomenon of brainrot, referring to cognitive decline caused by excessive consumption of addictive, low-quality digital content. This phenomenon poses a serious threat to mental health, particularly among adolescents, and contradicts Sustainable Development Goal (SDG) 3 on ensuring healthy lives and well-being. This study aims to analyze the optimization of digital consumer protection in preventing the negative impacts of brainrot and to assess the relevance of SDG 3 as a normative basis for strengthening legal regulation in Indonesia. This research employs a normative juridical method using statutory and conceptual approaches, examining Law No. 8 of 1999 on Consumer Protection and Law No. 11 of 2008 on Electronic Information and Transactions, complemented by comparative analysis of international regulatory practices. The findings reveal that Indonesia’s current consumer protection framework remains focused on material losses and illegal content, thereby failing to address cognitive harm resulting from algorithmic risks of digital platforms. The main contribution of this research lies in conceptualizing brainrot as a form of juridical digital consumer harm and in positioning SDG 3 as a normative mandate for the state to require digital platforms to safeguard users’ cognitive health. This study underscores the urgency of comprehensive and preventive regulatory reform to promote a healthier and more sustainable digital ecosystem.
Co-Authors Ayu Kumala Sari Hamidi Nimas Yuski Nur Lailli Yokhebed Arumdika