Legal Protection Against a Non-Bind Party as Warranty on Transaction Loans Online

Online loan transactions or P2P-lending with the purpose of borrowing money online. The purpose of study is to analyze the legal relationship between fintech companies, debtors and third parties in online agreements, the legal consequences of third parties who do not bind themselves as guarantors and to analyze legal protection efforts to resolve data misuse in online loans relating to non-parties have ever entered into an agreement as a guarantor. The results showed that legal relations with third parties that never entered into a relationship never existed because there were no agreements made between holding Fintech and third parties. Legal protection for third parties who do not bind themselves as guarantors, namely by reporting it to the Financial Services Authority (OJK) with along with evidence that is obtained by email https: consumer.ojk.go.id/complaint form and @complaint BRTI along with the recording via Line.