Comment & Review Policy

Introduction

By submitting a comment or review on PhanMarket, you agree to comply with the terms set forth in this policy. This policy is designed to maintain quality, transparency, user safety, and legal compliance in accordance with the laws of Indonesia (including the ITE Law) as well as international standards such as the FTC (Federal Trade Commission) Endorsement Guidelines (United States), CMA (UK), EU Directive on Unfair Commercial Practices, GDPR, and CCPA.

General Provisions

• All comments and reviews are subject to moderation before publication.
• PhanMarket reserves the right, at its sole discretion, to reject, delay, edit, or remove any comment/review without prior notice if it is deemed to violate this policy.
• By submitting a comment/review, you grant PhanMarket a non-exclusive, royalty-free, worldwide, perpetual, transferable license to display, store, distribute, or delete such content as required for operational or legal purposes.
• All comments/reviews must be written in a clear, respectful, and relevant manner, directly related to the product or service being reviewed.

Prohibited Content

Users are strictly prohibited from submitting comments or reviews that contain:

• Spam, advertisements, or promotions unrelated to the subject.
• Illegal content, including but not limited to copyright infringement, trademark violation, patent breach, or any other intellectual property violations.
• Hate speech, discrimination, harassment, threats, or incitement of violence based on religion, ethnicity, race, gender, sexual orientation, disability, nationality, or other protected characteristics.
• Profane, vulgar, obscene, or offensive language.
• Personal or sensitive information such as addresses, phone numbers, identification documents, financial data, or other confidential details.
• Defamation, unverified allegations, misleading or false statements, or reviews intended to harm another party.
• Reviews intended to manipulate ratings or rankings, including fake or paid reviews without clear disclosure.
• Medical, health, financial, or investment claims that are misleading, unverified, or made without proper authorization.

User Rights and Responsibilities

• You are fully responsible for the authenticity, accuracy, and legality of the comments/reviews you submit.
• By submitting a comment/review, you represent and warrant that:
  • The content is based on your personal experience.
  • It does not violate applicable laws.
  • It does not infringe upon copyrights, privacy, or the legal rights of third parties.
• Any legal claims, disputes, or damages arising from your comments/reviews are your sole responsibility.
• PhanMarket reserves the right to take legal action if violations are detected.

Rights of PhanMarket

• PhanMarket reserves the right not to publish comments/reviews that do not meet this policy's requirements.
• PhanMarket may report comments/reviews that violate the law to relevant authorities.
• PhanMarket may limit, suspend, or ban access to users who repeatedly violate this policy.
• Comments/reviews may be subject to automated moderation, including AI-based systems to detect spam, illegal content, or violations. However, PhanMarket does not guarantee that all violations will be detected before publication.
• PhanMarket is not responsible for the content of user comments/reviews and has no obligation to verify their accuracy.

Disclaimer & Limitation of Liability

• All comments/reviews represent the personal opinions of users and do not reflect the official views of PhanMarket.
• PhanMarket makes no guarantee regarding the accuracy, completeness, or reliability of user-submitted content.
• By submitting a comment/review, you agree to release PhanMarket, its affiliates, owners, employees, and partners from any legal claims, damages, disputes, or liabilities arising from your content.
• PhanMarket is expressly released from any liability related to third-party comments/reviews, including but not limited to claims of defamation, copyright infringement, or other legal violations.

Transparency & Affiliate Compliance

• Some products or services featured on PhanMarket may be part of an affiliate program. This means PhanMarket may earn commissions from purchases made through affiliate links.
• Reviews must be written honestly, transparently, and based on genuine experience, and not for the purpose of manipulation.
• Users are prohibited from submitting paid or incentivized reviews from third parties without clear disclosure.
• Fake or manipulative reviews are considered violations of this policy and may also constitute violations of FTC, CMA, and EU consumer protection regulations.

Privacy & Data Protection

• PhanMarket complies with Indonesia's ITE Law, GDPR, and CCPA in handling user data.
• Any personal data submitted within comments/reviews will be processed in accordance with the PhanMarket Privacy Policy.
• Users may not publish another person's personal information without explicit written consent.
• Comments/reviews will be retained as long as necessary for operational, legal, and documentation purposes. Users may request deletion of their content where permitted by law.

SEO & Search Engine Compliance

• Users may not use comments/reviews for the purpose of search engine manipulation, including keyword stuffing, backlink spam, or link farming.
• Comments/reviews that violate search engine policies (Google, Bing, etc.) may be removed without notice.

Reporting & Appeals Procedure

• If you discover a comment/review that violates this policy, you may report it via the official reporting form or contact channels provided by PhanMarket.
• The moderation team will review the report within a reasonable time and take appropriate action.
• If your comment/review is removed and you believe the decision was incorrect, you may file an appeal through PhanMarket's official channels.
• The outcome of the appeals process shall be considered final and binding.

Dispute Resolution

• Any disputes related to comments/reviews shall first be resolved through mediation or arbitration.
• If no resolution is reached, disputes shall be governed by the laws of the Republic of Indonesia, unless otherwise required by local jurisdiction.

User Consent

By checking the consent box before submitting a comment/review, you acknowledge that you:

• Have read, understood, and agree to be bound by this Comment & Review Policy.
• Agree to the PhanMarket Privacy Policy and Terms of Service.
• Understand that violations may result in content removal, account restriction, or legal action.
• Release PhanMarket from all legal claims related to user-submitted comments/reviews.