Please read this terms and agreements carefully before using and/or purchase on  By using, you are agreeing to be bound by the terms of this license. If you do not agree to the terms of this license, do not use and/or purchase from and, if presented with the option to “agree” or “disagree” to the terms, click “disagree”.

IMPORTANT NOTE: You acknowledge and agree that UMN Consulting own all legal rights, power and interest in and to the Service, including intellectual property rights contained in the Service (whether such rights are registered or not, and wherever in the world such rights exist). You further acknowledge that the Service may contain information determined to be confidential by UMN Consulting and that you may not disclose such information without our prior written consent or unless otherwise agreed in written permission from UMN Consulting. If you have been given right to use the trademarks, logos, domain names, and other UMN Consulting intellectual property, then you agree that the use of such features must be in accordance with the agreement, any applicable provisions of the terms and agreements which can and will be updated from time to time. You agree to not use any trademark, trade name, logo of any company or organization in a way that may or is intended to cause confusion about the owner or authorized user of UMN Consulting intellectual property.

The following are terms of a legal agreement between you and By accessing, browsing and/or using this web site, you acknowledge that you have read, understood, and agree, to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, do not use this website.


All materials on this website, such as text, graphics, logos, button icons, images, and data compilation, is the property of and protected by Indonesian and international copyright laws.

UMN Consulting is the owner of all intellectual property rights and thee derivatives for any and all material that can be accessed under this Agreement. UMN Consulting e-documents and their content are subject to copyright, protections, and other rights of the publisher (UMN Consulting) under Indonesian Law. Downloading or photocopying of the data is permitted for personal or educational use to the same extent as the print edition of the books. Other recompiling, copying, publication, or republication of the data, or any portion thereof, in any form or medium whatsoever, may be done only with specific written permission from UMN Consulting.

  1. TRADEMARK graphics, logos, page headers, button icons, scripts, and service names and parts there of linked in this website are trademarks or registered trademarks of UMN Consulting.

All other trademarks not owned by UMN Consulting that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by UMN Consulting.


UMN Consulting grants you a limited license to access and use this site personally. You are prohibited to use (including, without limitation, copying, modifying, reproducing in whole or in part, uploading, transmitting, distributing, licensing, resale, use mining, robots, extracting and publishing) any of the materials, without obtaining prior written permission from UMN Consulting.

You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of without express written consent. You may not use any meta tags or any other “hidden text” utilizing UMN Consulting name or trademarks without the express written consent of UMN Consulting. Any unauthorized use terminates the permission or license granted by UMN Consulting. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of so long as the link does not portray UMN Consulting, or its products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any UMN Consulting logo or not, proprietary graphic or, trademark as part of the link without express written permission.

The following purchased products licensed to you and not legally allowed to reproduce, modify, publish or distribute to others without express written permission from UMN Consulting unless expressly permitted or required by a legal entity. We grant you a non-transferable and non-exclusive license to use under the terms set out. This license is intended solely to enable you to use and enjoy, in the manner permitted.

If you are uncertain about your rights regarding the license and use of this website, you may contact us through contact information provided on this website.


Under no circumstances shall UMN Consulting be liable to institution or any other person, including but not limited to authorized users, for any special, incidental, or consequential damages of any character, including without limitation, damages arising out of inability to access UMN Consulting products or errors or inaccuracies in the product’s content.


By visiting, you agree that the Terms and Agreements are governed by Indonesian law and any dispute of any sort that might arise between you and UMN Consulting, will follow and be subject to the laws of the Republic of Indonesia.


This information may be changed or updated without notice. We may also make improvements and/or changes in the policies described in this information at any time without notice, so you are requested to visit this page and check the Terms and Conditions periodically.