By accessing and utilizing this website, you acknowledge and accept the following terms and conditions without any restrictions or qualifications.

Unless explicitly stated otherwise, all materials contained within this site, including but not limited to text and images, are the property of IFCG. Any trademarks referenced on this website belong to their respective owners.

No rights or licenses regarding copyrights, patents, trademarks, or other proprietary interests of IFCG or any third party are conferred by the contents of this site. The content provided, including graphic images, audio, video, HTML code, buttons, and text, may not be reproduced, republished, uploaded, posted, transmitted, or distributed in any manner without prior written consent from IFCG. However, you may download, display, and print one copy of the materials on a single computer for personal, non-commercial use, provided that you do not alter the material and maintain all copyright, trademark, and other proprietary notices intact.

The information provided on this site is offered free of charge and solely for informational purposes, and it does not establish a business or professional services relationship between you and IFCG. Links on this site may lead to services or sites not operated by IFCG, and we do not guarantee or warrant the quality or reliability of such services or sites. The inclusion of a link to another site or service does not imply endorsement by IFCG. Your use of the information provided on this site, or any linked site or service, is at your own risk.

This site and its contents are provided "as is," and IFCG makes no representations or warranties of any kind regarding this site or any site or service accessible through it. IFCG expressly disclaims all express and implied warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, title, and non-infringement. In no event shall IFCG be liable for any direct, indirect, incidental, special, exemplary, consequential, or other damages arising out of or in connection with this site, its content, or any linked site or service, regardless of the form of action, whether in contract, tort, negligence, strict liability, or otherwise.

IFCG maintains this site in Indonesia, and by using this site, you agree that these terms of use and any legal actions or proceedings related to this site shall be governed by the laws of Indonesia, without regard to its choice of law rules. In the event of any legal proceedings against IFCG, you acknowledge that IFCG is free to select the jurisdiction where such action may be held. As you have agreed to the application of Indonesian laws by using this site, IFCG may choose to defend any such action in Jakarta, regardless of your location or where you accessed this site.

You are responsible for adhering to the laws of the jurisdiction from which you access this site, and you agree not to use the information on this site in violation of such laws. Unless expressly stated otherwise, any information you submit through this site is considered non-confidential and non-proprietary. By submitting information, you confirm that you have the lawful right to do so. Due to the open nature of the internet, we advise against submitting confidential information.

IFCG does not accept unsolicited idea submissions outside of established business relationships. To safeguard the interests of our clients and ourselves, we treat unsolicited submissions with caution. Without a documented and pre-existing confidential business relationship, IFCG cannot guarantee the confidentiality of such submissions. Therefore, please refrain from submitting unauthorized ideas through this website. Any ideas disclosed to IFCG without a pre-existing confidential relationship are not considered confidential, and IFCG may develop, use, disclose, or publish similar ideas without compensation or accountability to you. While IFCG will make reasonable efforts to return or destroy unauthorized idea submissions without detailed review, if a review is necessary, it will be done with the understanding that IFCG assumes no obligation to protect the confidentiality of your idea or compensate you for its use. By submitting an idea or detailed submission through this website, you agree to abide by this stated policy.