Legal Aspects of Agreement in the Protection of Personal Data on the Withdrawal of Online Loan Borrower Information
Keywords:
Online loans, Personal Data Withdrawal, AgreementsAbstract
Purpose: This study explores the protection of personal data within the withdrawing consent for personal data processing by online loan borrowers, as regulated by the Personal Data Protection Law (Law No. 27 of 2022). It seeks to address the ambiguities in the law's provisions, particularly Article 9, that create uncertainties in its practical implementation. The research investigates the contractual perspective on personal data withdrawal and examines alternative dispute resolution mechanisms available for borrowers.
Method: The research adopts a normative juridical approach, focusing on the legal ambiguities in Article 9 of the Personal Data Protection Law. The study analyzes how the principles of pacta sunt servanda (agreements must be honored) influence the regulation of personal data withdrawal within the framework of contractual agreements.
Findings: The study finds that the Personal Data Protection Law serves as the fundamental legal basis for safeguarding the personal data of online loan borrowers. It highlights that personal data protection is also governed by contractual agreements between borrowers and lenders, which must comply with the principle of pacta sunt servanda. Furthermore, the withdrawal of personal data should be explicitly regulated in contractual terms to provide clarity. Disputes related to personal data withdrawal can be resolved either through non-litigation methods, such as deliberation, mediation, or arbitration, or through litigation via the judicial system.
Novelty: This research emphasizes the contractual dimension of personal data withdrawal, proposing that the mechanism for data withdrawal be clearly specified in agreements to enhance legal certainty. It also sheds light on alternative dispute resolution methods as viable options for addressing disagreements related to personal data processing, thereby contributing to the body of knowledge on personal data protection for online loans.
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