SUMMARY OF INFORMATION PRODUCTS AND SERVICES PT HINO FINANCE INDONESIA FOR FINANCE LEASE FACILITY
PRODUCT INFORMATION
PT Hino Finance Indonesia is a limited liability company whose business activities are mainly through Finance Lease and Sale & Leaseback facilities. Lease Financing of the two facilities is carried out in the framework of providing goods in this case a branded of vehicles HINO for use by consumers. The main purpose of using vehicles is to support the business activities of consumers (productive) and lasts for a period specific time and transfer substantially the benefits and risks of the goods being financed.
In term of Finance Lease is ongoing, then the ownership of the vehicle as the object of transaction Lease (Finance Lease) remain on the HFI as the finance company.
INFORMATION SERVICES
HFI provides convenience by providing services that can be used by consumers as follows :
1. Insurance coverage for goods facilitated Lease where HFI cooperate with several trusted insurance company in Indonesia ;
2. Facilitate the renewal process of Vehicle Number Certificate (STNK) in cooperation with trusted service bureaus including issuing reference letters for the renewal process at local police offices
HOW TO GET A FINANCING LEASE FACILITY
HFI Always Strives for Convenience for Consumers in obtaining Finance Lease facilities. HFI has terms and conditions that are simple enough to enable Consumers to obtain Lease Financing facilities properly. Consumers only need to provide supporting documents as required by HFI and sign the Financing Lease Facility Offer Letter. HFI provides an opportunity for Consumers to ask questions and get further explanation of all conditions in the Offering Letter of Finance Lease Facility before it is signed. Furthermore, HFI will conduct a survey which is also a series of approval processes for the Lease Financing facility so that consumers are considered to have met the requirements and assessments determined by HFI
GRANTING APPROVAL TO SUBMITTING DATA AND INFORMATION
HFI will not use Consumer data for things that violate the provisions of law and legislation therefore Consumers can provide statements and consent to the use of Consumer data so that HFI can use, provide, convey Consumer data to other parties where HFI has cooperation or has relationships that are both commercial and non-commercial.
TRANSFER OF RECEIVABLES
Consumers agree and hereby authorize the HFI if a time required to transfer the receivables following rights, powers and guarantees arising under Finance Lease Agreement to another party where HFI has a partnership including but not limited to cooperation in the form of channeling , co-financing and other cooperation. On the matter Consumers understand that the transfer of these receivables was recorded as a result Consumers transferee receivable.
RISK
1.) As a financing facility in the form of Finance Lease , the Customer has risks that may arise, however, the risk will only happen if consumers violate one or more of its obligations under Finance Lease Agreement that was signed. The risks will arise, among others:
a. HFI can readily and immediately terminate the Finance Lease Agreement so that consumers are no longer able to enjoy the services provided under the Finance Lease Agreement that was signed;
b. Consumers shall promptly and immediately pay late charge and other costs incurred by the notes and calculations HFI are accountable;
c. Consumers are obliged to return goods (finance lease objects), or in the case of consumers does not return the goods then the HFI can take back control of Consumer Goods of according to applicable regulations.
2.) Consumers will avoid the risk that might arise if consumers continue to comply with all its obligations under the Agreement Finance Lease (Finance Lease), especially in the following areas:
a. Pay installments with an orderly and timely manner;
b. Without the express written consent of HFI not retain or Consumers make big changes in insurance coverage that could potentially harm consumers HFI or lease, transfer, and securing the goods to another party.
FEE
As a Lease Financing facility, there will be fees related to the distribution of the Lease Financing facility. These fees can include administrative fees, provision fees, notary fees and withdrawal and/or billing fees (if needed).
CUSTOMER COMPLAINT RESOLUTION SERVICE OR COMPLAINT
Consumers can always submit questions, suggestions, complaints or complaints by contacting HFI through the following media.
Direct with coming directly to the head office or the nearest branch office
Call at (021) 2128 1600 (On working days and hours, Monday-Friday from 09:00-17:00 WIB)
Any complaint or complaint can only be served if the Consumer submits supporting data/evidence that can be accounted for.
This Product and Service Information Summary is an introduction that aims to provide understanding to consumers before signing a Financing Lease Agreement, therefore this Summary is an inseparable entity with the Financing Lease Agreement. However, if there is a difference in content, intent and understanding between the Summary and the Financing Lease Agreement, the applicable and binding provisions are as stated in the Financing Lease Agreement.
Furthermore, the Lease Financing Agreement will always be adjusted to laws and regulations including the Financial Services Authority Regulations