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PRIVACY POLICY

Last Updated: September 10, 2026

Mikirduit US (“Mikirduit,” “we,” “us,” or “our”) is a global financial research publication operated by PT Mikir Duit Indonesia, an Indonesian company.

Our editorial content focuses primarily on U.S. stocks and financial markets, while our website, newsletters, memberships, research, and other services are available to readers in multiple countries.

This Privacy Policy explains how we collect, use, store, share, and protect personal information when you:

  • visit us.mikirduit.com;
  • subscribe to our newsletters;
  • create an account;
  • become a member;
  • purchase a subscription;
  • participate in community features;
  • communicate with us;
  • otherwise interact with our services.

This Privacy Policy applies to users regardless of location, subject to privacy and data protection laws that may apply in their jurisdiction.

By using Mikirduit US, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

The information we collect depends on how you interact with Mikirduit.

Information You Provide Directly

You may provide information such as:

  • name;
  • email address;
  • account information;
  • membership information;
  • newsletter preferences;
  • subscription status;
  • billing information;
  • payment-related information;
  • information included in messages, comments, surveys, feedback, or support requests;
  • other information you voluntarily provide.

If Mikirduit offers paid products or services, payment card information may be processed directly by third-party payment providers and may not be stored directly by Mikirduit.

Information Collected Automatically

When you visit or use Mikirduit, certain information may be collected automatically, including:

  • IP address;
  • browser type;
  • browser language;
  • operating system;
  • device type;
  • device identifiers where applicable;
  • approximate geographic location;
  • referral source;
  • pages viewed;
  • time and date of visits;
  • time spent on pages;
  • interactions with links, forms, and site features;
  • newsletter opens and clicks;
  • technical information;
  • performance information.

This information may be collected through:

  • cookies;
  • similar technologies;
  • analytics tools;
  • server logs;
  • email tracking technologies;
  • security tools.

2. How We Use Personal Information

We may use personal information to:

  • operate and maintain Mikirduit;
  • provide access to articles and research;
  • create and manage accounts;
  • manage memberships;
  • deliver newsletters;
  • provide subscription benefits;
  • process transactions;
  • authenticate account access;
  • respond to user inquiries;
  • provide customer support;
  • improve our website;
  • improve our research and editorial products;
  • understand how readers use our content;
  • analyze site traffic;
  • measure newsletter performance;
  • measure content engagement;
  • personalize certain site experiences where permitted;
  • detect fraud;
  • prevent abuse;
  • protect our systems and users;
  • maintain security;
  • enforce our Terms of Use;
  • comply with legal and regulatory obligations;
  • communicate changes to our services;
  • communicate subscription or account information;
  • market Mikirduit products or services where permitted by law.

We may also use aggregated, anonymized, or de-identified information for analytics, research, statistics, and business purposes.

Where applicable law requires a legal basis for processing personal information, we may rely on one or more of the following:

  • your consent;
  • performance of a contract;
  • compliance with a legal obligation;
  • our legitimate interests;
  • protection of our rights, users, and systems.

Our legitimate interests may include:

  • operating the service;
  • improving content;
  • understanding readership;
  • preventing fraud;
  • maintaining security;
  • communicating with members;
  • developing our products and services.

Where processing is based on consent, you may have the right to withdraw that consent at any time.

Withdrawal of consent does not affect processing that occurred before consent was withdrawn.

4. Newsletters and Email Communications

If you subscribe to a Mikirduit newsletter, we may use your email address to send:

  • stock research;
  • earnings analysis;
  • valuation research;
  • market commentary;
  • investment education;
  • research updates;
  • membership information;
  • product announcements;
  • other content you requested.

You can unsubscribe from marketing or newsletter communications at any time using the unsubscribe link included in the email.

Certain transactional or service-related communications may still be sent when necessary, including:

  • account authentication messages;
  • magic links;
  • account-access messages;
  • payment confirmations;
  • billing notices;
  • membership notices;
  • security notifications;
  • changes to services or policies.

We may use email service providers such as Mailgun or similar providers to deliver email communications.

Email communications may contain technologies that help us measure:

  • delivery;
  • opens;
  • clicks;
  • engagement.

Where required by law, such tracking may be subject to appropriate consent or user controls.

5. Cookies and Similar Technologies

Mikirduit may use cookies and similar technologies to:

  • operate the website;
  • maintain user sessions;
  • remember user preferences;
  • understand website usage;
  • analyze site traffic;
  • measure content performance;
  • improve site functionality;
  • improve user experience;
  • prevent abuse;
  • maintain security;
  • measure newsletter or marketing performance.

Cookies and similar technologies may include categories such as:

  • essential cookies;
  • functional cookies;
  • analytics cookies;
  • advertising or marketing cookies.

Where required by applicable law, Mikirduit may provide a cookie consent mechanism or other controls that allow users to manage certain preferences.

6. Analytics

We may use analytics services such as Google Analytics or similar providers.

These services may collect information such as:

  • pages visited;
  • visit duration;
  • interactions with content;
  • approximate location;
  • browser information;
  • device information;
  • referral sources;
  • traffic sources;
  • website performance information.

Analytics providers process information according to their own terms, privacy policies, and contractual obligations.

Where applicable law requires prior consent for analytics technologies, such technologies may be subject to user consent controls.

7. Payment Processing

If Mikirduit offers paid memberships, research subscriptions, or other paid products, payments may be processed by third-party payment providers such as Stripe or other payment platforms.

These providers may collect information including:

  • payment card details;
  • billing information;
  • transaction information;
  • fraud-prevention information;
  • device or security signals.

PT Mikir Duit Indonesia generally does not directly store full payment card numbers.

Third-party payment providers process information according to their own:

  • terms of service;
  • privacy policies;
  • security procedures;
  • applicable legal obligations.

8. Service Providers

We may use third-party service providers to help operate Mikirduit.

These providers may support:

  • website hosting;
  • cloud infrastructure;
  • content management;
  • email delivery;
  • analytics;
  • payment processing;
  • customer support;
  • cybersecurity;
  • fraud prevention;
  • data storage;
  • website performance;
  • technical operations.

Examples may include:

  • Ghost;
  • Mailgun;
  • Google Analytics;
  • hosting providers;
  • Stripe or other payment providers;
  • other technology and infrastructure providers.

We may share information with service providers only where reasonably necessary for them to perform services on our behalf or where otherwise permitted by law.

9. Advertising, Sponsored Content, and Affiliate Relationships

Mikirduit may display or publish:

  • advertising;
  • sponsored content;
  • affiliate links;
  • promotional offers;
  • commercial partnerships.

Mikirduit may receive compensation when users interact with certain advertisements, links, products, or services.

Advertising, affiliate, and measurement technologies may collect information about your interaction with ads, links, or commercial content.

Where applicable privacy law treats certain advertising activities as a “sale,” “sharing,” targeted advertising, or similar processing, users may have additional rights to opt out.

Commercial relationships are handled separately from our responsibility to process personal information in accordance with this Privacy Policy.

10. Sale or Sharing of Personal Information

Mikirduit does not sell personal information in exchange for direct monetary payment.

However, some privacy laws define terms such as “sale” or “sharing” broadly and may include certain:

  • advertising arrangements;
  • analytics activities;
  • targeted advertising;
  • cross-context behavioral advertising;
  • data-sharing relationships.

Where applicable law treats our use of technology or service providers as a sale, sharing, or similar activity, we will seek to provide disclosures or opt-out mechanisms required by that law.

11. Your Privacy Rights

Depending on where you live, applicable privacy and data protection laws may provide you with rights regarding your personal information.

These may include the right to:

  • request access to personal information we hold about you;
  • request correction of inaccurate information;
  • request deletion of personal information;
  • restrict certain processing;
  • object to certain processing;
  • request portability of certain personal information;
  • withdraw consent where processing is based on consent;
  • opt out of certain advertising;
  • opt out of certain profiling;
  • opt out of certain sales or sharing of personal information;
  • appeal certain privacy-related decisions;
  • exercise privacy rights without unlawful discrimination.

The availability and scope of these rights vary depending on your jurisdiction and the circumstances of processing.

To submit a privacy request, contact:

privacy@mikirduit.com

We may need to verify your identity before completing certain requests.

Where permitted by law, we may decline or limit requests that are:

  • fraudulent;
  • excessive;
  • repetitive;
  • technically infeasible;
  • subject to a legal exception;
  • otherwise not required under applicable law.

12. Additional Rights in Certain U.S. States

Mikirduit US is available to a global audience and is not intended exclusively for U.S. residents.

However, if you reside in a U.S. state with an applicable privacy law, and that law applies to Mikirduit or our processing activities, you may have additional privacy rights.

Depending on the applicable law, these rights may include:

  • access to personal information;
  • correction;
  • deletion;
  • data portability;
  • information regarding data collection practices;
  • information regarding data-sharing practices;
  • the right to opt out of certain sales;
  • the right to opt out of certain sharing;
  • the right to opt out of targeted advertising;
  • the right to opt out of certain profiling activities;
  • the right to appeal certain privacy decisions.

Where legally required and technically applicable, Mikirduit may recognize browser-based opt-out preference signals such as Global Privacy Control.

The availability of these rights depends on applicable law and whether relevant legal thresholds or requirements apply.

13. European Economic Area and United Kingdom

If you are located in the European Economic Area or United Kingdom and applicable data protection law applies to our processing of your personal information, you may have additional rights.

These may include:

  • access;
  • correction;
  • deletion;
  • restriction of processing;
  • objection to processing;
  • data portability;
  • withdrawal of consent.

Where processing is based on legitimate interests, you may have the right to object to certain processing.

Where processing relies on consent, you may withdraw consent at any time.

You may also have the right to lodge a complaint with an applicable data protection authority.

14. Indonesia

PT Mikir Duit Indonesia operates Mikirduit from Indonesia.

Users in Indonesia may have rights under applicable Indonesian personal data protection laws.

Depending on the circumstances, these may include rights relating to:

  • access to personal data;
  • correction of personal data;
  • deletion or destruction of personal data where applicable;
  • withdrawal of consent;
  • objection to certain processing;
  • information regarding processing activities;
  • other rights provided under applicable Indonesian law.

Privacy requests may be sent to:

privacy@mikirduit.com

The availability of individual rights is subject to applicable law and the circumstances of processing.

15. Other Jurisdictions

Users located in countries or regions not specifically described above may have additional privacy rights under applicable local law.

Where such laws apply to Mikirduit, we will seek to respond to valid requests in accordance with applicable legal requirements.

16. International Data Transfers

Mikirduit operates a global online service and is operated by PT Mikir Duit Indonesia in Indonesia.

We may use service providers located in:

  • Indonesia;
  • the United States;
  • other countries.

As a result, personal information may be transferred to, stored in, or processed in a country other than the country in which you live.

Privacy and data protection laws may differ between jurisdictions.

Where required by applicable law, we will seek to use appropriate safeguards for international transfers of personal information.

17. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected or as otherwise permitted or required by applicable law.

Retention may be necessary for purposes including:

  • providing services;
  • maintaining accounts;
  • maintaining memberships;
  • processing transactions;
  • complying with contractual obligations;
  • complying with legal requirements;
  • resolving disputes;
  • preventing fraud;
  • maintaining security;
  • enforcing agreements;
  • maintaining legitimate business records.

Retention periods may vary depending on the type of information and the purpose of processing.

We may retain certain information for longer periods where legally required or reasonably necessary to establish, exercise, or defend legal claims.

18. Data Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information from:

  • unauthorized access;
  • unauthorized disclosure;
  • loss;
  • misuse;
  • alteration;
  • destruction.

These measures may include:

  • access controls;
  • encryption;
  • authentication systems;
  • secure hosting;
  • monitoring;
  • software updates;
  • security practices;
  • technical safeguards.

However, no website, internet transmission, electronic storage system, or security process can be guaranteed to be completely secure.

Users should also take reasonable steps to protect their own accounts, devices, passwords, and login credentials.

19. Children's Privacy

Mikirduit is intended for a general adult audience interested in investing, financial research, and financial markets.

Our services are not directed toward children under the age of 13.

We do not knowingly collect personal information from children under 13.

If you believe a child has provided personal information to Mikirduit, contact:

privacy@mikirduit.com

We will review the request and, where appropriate, take reasonable steps to delete the information.

Where local law provides a higher minimum age for consent to certain forms of data processing, we will seek to comply with applicable requirements.

20. Community Features and User-Generated Content

Mikirduit may provide community features such as:

  • comments;
  • discussions;
  • member profiles;
  • forums;
  • other interactive features.

Information you choose to publish publicly through these features may be visible to other users or members of the public.

Users should avoid posting personal information that they do not want publicly available.

Mikirduit is not responsible for personal information that users voluntarily disclose in public community areas, except to the extent required by applicable law.

Mikirduit content may contain links to:

  • company websites;
  • investor relations websites;
  • regulatory websites;
  • financial platforms;
  • brokers;
  • exchanges;
  • data providers;
  • social networks;
  • other third-party services.

Mikirduit does not control these third parties.

We are not responsible for their:

  • privacy practices;
  • security;
  • content;
  • terms;
  • products;
  • services.

Users should review the privacy policies of third-party services before providing personal information to them.

22. Business Transfers

If PT Mikir Duit Indonesia or Mikirduit is involved in:

  • a merger;
  • acquisition;
  • restructuring;
  • financing;
  • sale of assets;
  • corporate reorganization;
  • similar business transaction;

personal information may be transferred as part of that transaction where permitted by law.

Where legally required, users will be notified of material changes regarding how their personal information is controlled or processed.

We may disclose personal information where reasonably necessary to:

  • comply with applicable law;
  • comply with regulatory requirements;
  • respond to lawful government requests;
  • respond to court orders;
  • comply with legal processes;
  • investigate fraud;
  • investigate abuse;
  • enforce our Terms of Use;
  • protect our legal rights;
  • protect the rights of users;
  • prevent security incidents;
  • protect the safety of users or others.

24. Do Not Track and Browser Privacy Signals

Some browsers provide “Do Not Track” or similar settings.

There is no universally accepted standard governing how all websites must respond to every Do Not Track signal.

Where legally required and technically applicable, Mikirduit will seek to recognize applicable browser-based privacy signals or opt-out preference signals.

25. Automated Decision-Making

Mikirduit may use automated technologies to support activities such as:

  • spam detection;
  • fraud prevention;
  • security;
  • analytics;
  • content recommendations;
  • website operations.

We do not use automated decision-making intended to make legally significant decisions about users without human involvement unless otherwise disclosed and permitted by applicable law.

26. Research and Financial Content

Mikirduit publishes financial research and educational content primarily focused on U.S. stocks and financial markets.

Your reading activity, interests, or interactions with financial content may be used in aggregated or analytical form to understand:

  • which topics readers find useful;
  • what content performs well;
  • what research areas should be developed;
  • how the website can be improved.

Mikirduit does not infer that a user owns, intends to purchase, or intends to sell a particular security merely because they read content about that security.

27. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in:

  • our services;
  • technology;
  • business operations;
  • privacy practices;
  • service providers;
  • regulatory requirements;
  • applicable laws.

The most recent revision date will appear at the top of this page.

Where legally required or appropriate, we may provide additional notice of material changes through:

  • the website;
  • email;
  • account notifications;
  • other reasonable methods.

28. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our handling of personal information, contact:

PT Mikir Duit Indonesia
Operator of Mikirduit US
Website: us.mikirduit.com
Privacy inquiries: redaksi@mikirduit.com