Terms & Conditions

Welcome to Fortitu (PT Fortitu Valuta Utama). By conducting foreign exchange transactions, using our currency converter, or submitting currency reservations through our website or physical branches, you agree to be bound by the following Terms & Conditions.

1. Operating License & Regulatory Compliance

Fortitu is a licensed Non-Bank Foreign Exchange Provider (Kegiatan Usaha Penukaran Valuta Asing Bukan Bank - KUPVA BB) operating under license and supervision of Bank Indonesia. All transactions conducted with Fortitu are governed by Bank Indonesia regulations and Indonesian commercial law.

2. Currency Exchange Rates & Validity

• Exchange rates published on our website or branch display boards are subject to continuous fluctuation according to global foreign exchange market conditions.
• Rates displayed online serve as live indications. The final applied exchange rate for over-the-counter walk-in transactions is locked at the exact moment of transaction execution at our branch counter.
• For online currency reservations, the quoted rate is locked upon issuance of a valid Reservation Confirmation Code, subject to Section 3 below.

3. Order Reservation & Pick-Up Policy

• Customers reserving currency online must present the official Reservation Confirmation Code along with a valid original photo ID (KTP or Passport) upon branch pick-up.
• Unclaimed reservations past the designated pick-up window may be automatically canceled, and rates will revert to counter spot rates upon arrival.
• Fortitu reserves the right to set maximum currency limits per reservation based on cash inventory availability.

4. Customer Identification & Verification (KYC)

Pursuant to anti-money laundering regulations (APU-PPT), customers must present valid, unexpired original identification cards:

• Indonesian Citizens: Original Kartu Tanda Penduduk (KTP) or Driver License (SIM).
• Foreign Citizens: Original Passport and valid Visa / KITAS / KITAP.
• For transactions exceeding regulatory limits (USD 25,000 equivalent per month per customer), customers must supply proof of underlying economic purpose and source of funds declaration.

5. Counterfeit & Damaged Banknote Policy

• All foreign banknotes tendered to Fortitu undergo high-precision UV, infrared, and magnetic counterfeit screening.
• Any counterfeit banknote presented will be immediately confiscated in accordance with Bank Indonesia directives and reported to law enforcement. No compensation will be provided for counterfeit currency.
• Fortitu reserves the right to reject torn, heavily stained, written-on, or obsolete banknote series. Damaged notes accepted for exchange may be subject to a nominal physical condition markdown fee.

6. Payment Methods & Cash Handling

• Over-the-counter payments can be executed via Cash (IDR), QRIS, Debit Card, or Instant Bank Transfer to PT Fortitu Valuta Utama dedicated corporate accounts.
• Customers are required to count and inspect all received cash banknotes at the counter in front of our teller before leaving. Fortitu is not liable for claims of missing or damaged banknotes after a customer leaves the teller counter.

7. Limitation of Liability & Governing Law

Fortitu shall not be liable for any indirect, incidental, or consequential losses arising from exchange rate movements, market delays, or force majeure events. These Terms & Conditions are governed exclusively by the laws of the Republic of Indonesia.

8. Contact & Customer Support

For inquiries, feedback, or verification regarding your reservation:

PT Fortitu Valuta Utama
Ruko Plaza 5 Blok C3, Jakarta Selatan, Indonesia
Hotline: +62 21 7200 1234 | WhatsApp: +62 811 1234 5678
Email: support@fortitu.id