<![CDATA[The development of information and communication technology has brought about changes in the abundance of consumer personal data on online shopping and lending applications. This phenomenon has implications for the increased collection and processing of consumer personal data by application providers, which poses the potential for privacy violations if the data is misused by unauthorized parties. This is necessary for the protection of personal data to provide legal certainty for consumers. This study aims to analyze electronic contract law in relation to the protection of consumer personal data. The research method used is a normative and empirical juridical approach, with data collection through literature studies and observations of the practices and behavior of online shopping and lending application users in the field. The results indicate that increasing consumer legal awareness and the responsibility of application providers in implementing personal data protection principles are key factors in creating a safe, fair, and trustworthy electronic transaction ecosystem. Therefore, the implementation of electronic contract law based on the principles of justice and legal certainty is a crucial effort to protect consumer rights in the digital era.]]>
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