Protection Fund
The Protection Fund is a collective protection fund system managed by Daily Worker Hub to protect both parties — workers and employers — from losses due to disputes, fraud, or unexpected conditions in daily work transactions.
What is the Protection Fund?
The Protection Fund is a pool of funds filled through contributions from every successful transaction. These funds are used for:
- Compensation — Providing reimbursement to aggrieved parties
- Dispute Resolution — Funding fair mediation and review processes
- Prevention — Building a trust ecosystem that reduces fraud risk
| Element | Detail |
|---|---|
| Fund Source | 1% of every successful Security Deposit transaction |
| Manager | Daily Worker Hub (separate from operational funds) |
| Purpose | Protection against disputes, fraud, and unexpected losses |
| Availability | Available for verified workers and employers |
How the Protection Fund Is Funded
Contribution from Every Transaction
Every successful Security Deposit transaction allocates 1% of the total salary as a contribution to the Protection Fund:
| Example Transaction | Worker Salary | Transaction Fee (6%) | Included in Transaction Fee | Protection Fund Contribution (1%) | Total Deposit |
|---|---|---|---|---|---|
| 1 day × Rp 200,000 | Rp 200,000 | Rp 7,000 | Rp 5,000 | Rp 2,000 | Rp 214,000 |
| 3 days × Rp 175,000 | Rp 525,000 | Rp 18,375 | Rp 5,000 | Rp 5,250 | Rp 556.500 |
| 7 days × Rp 250,000 | Rp 1,750,000 | Rp 61,250 | Rp 5,000 | Rp 30.000 | Rp 1.855.000 |
Note: The Protection Fund contribution is paid by the employer as part of the Security Deposit. Workers do not pay additional fees. These funds go 100% to the community pool, not to the platform.
Protection Coverage
What IS Covered by the Protection Fund
The Protection Fund protects against losses caused by the following conditions:
| Condition | Protected Party | Explanation | Estimated Compensation |
|---|---|---|---|
| Worker No-Show | Employer | Worker does not show up without confirmation after accepting the offer | 100% refund of deposit + administrative compensation |
| Employer Doesn’t Pay | Worker | Employer refuses to approve release even though work was completed according to description | 100% of worker’s daily salary |
| Work Not Matching Description | Employer | Worker performs work significantly different from what was requested | 50-100% refund depending on level of mismatch |
| Significant Lateness | Employer | Worker arrives more than 2 hours late without confirmation | 20-50% compensation of daily salary |
| Damage to Equipment/Property | Employer | Worker damages employer-provided equipment or property | Based on proven value, max. Rp 5,000,000 |
| Identity Fraud | Both parties | Worker or employer uses a fake identity | 100% refund to aggrieved party |
| Payment Fraud | Worker | Employer manipulates payment evidence or deceives the system | 100% salary + compensation |
What Is NOT Covered by the Protection Fund
Protection does not apply to the following conditions:
| Condition | Reason Not Covered |
|---|---|
| Subjective expectations | Dissatisfaction with color, style, or aesthetics not listed in the description |
| Scope changes without agreement | Task changes made by employer without prior worker confirmation |
| Force majeure | Natural disasters, extreme weather, or conditions beyond anyone’s control |
| Indirect losses | Loss of profit, reputation, or opportunity due to failed transactions |
| Personal disputes | Interpersonal conflicts unrelated to work quality or completeness |
| Withdrawal delays | Delays in fund disbursement from platform balance to bank account (this is a bank/third-party gateway process, not platform) |
| Data entry errors | Errors in filling in bank account information, email, or personal data |
Warning: Claims for conditions not covered will be rejected. Make sure you understand the coverage before filing a claim.
Claim Process: Step by Step
Step 1: Identify the Problem
Before filing a claim, make sure your problem meets the following criteria:
- The problem occurred in a transaction using the Security Deposit System (not direct payment)
- The problem is still within the 7-day time limit after the work completion date
- The problem falls within the Protection Fund coverage (see table above)
- You have sufficient supporting evidence
Step 2: Gather Evidence
The more complete the evidence, the faster the claim is processed. Prepare the following evidence:
| Evidence Type | Description | Required/Recommended |
|---|---|---|
| Chat Screenshots | Initial agreement conversations between worker and employer | Required |
| Photos/Videos | Visual evidence of work conditions (before, during, after) | Required |
| Agreement Documents | Original job listing description posted by employer | Required |
| Timestamps | Check-in, check-out times, and activity records | Recommended |
| Witnesses | Names and contacts of witnesses who saw directly (if any) | Optional |
Step 3: File a Claim
- Open the “My Transactions” menu on the dashboard
- Select the problematic transaction
- Click the “File Dispute/Claim” button
- Select claim category from the dropdown:
- Worker no-show (No-Show)
- Work not matching description
- Payment not released
- Property damage
- Fraud/deception
- Write a detailed explanation (minimum 100 characters) about what happened
- Attach evidence that has been collected (photos, screenshots, documents)
- Click “Submit Claim”
Step 4: Review by Daily Worker Hub Team
After the claim is submitted:
- Both parties receive a notification that the dispute is being reviewed
- The Daily Worker Hub team will:
- Analyze evidence from both parties
- Verify the initial agreement from the job listing description and chat
- Check Security Deposit status and transaction history
- May request additional clarification from both parties
Review Duration:
| Claim Type | Estimated Time |
|---|---|
| Simple (clear evidence) | 1-2 business days |
| Complex (contradictory evidence) | 3-5 business days |
| Very complex (involving many parties) | 5-7 business days |
Step 5: Decision and Implementation
The team will issue one of the following decisions:
| Decision | Explanation | Implementation |
|---|---|---|
| Claim Fully Accepted | Clear evidence supports the filing party | Full compensation from Protection Fund |
| Claim Partially Accepted | Both parties share responsibility | Funds divided proportionally |
| Claim Rejected | Evidence insufficient or claim does not meet criteria | Funds remain in initial status (released or held) |
Example Review Results:
| Scenario | Decision | Result |
|---|---|---|
| Worker no-show, employer has evidence | Claim fully accepted | 100% deposit returned + compensation from Protection Fund |
| Worker showed up but results imperfect | Claim partially accepted | 70% to worker, 30% refund to employer |
| Both parties lack strong evidence | Claim rejected | Funds released to worker per initial status |
| Employer refuses to approve without clear reason | Worker claim accepted | 100% salary released from Protection Fund to worker |
Protection Timeline
| Stage | Duration | Notes |
|---|---|---|
| Claim Filing | From work completion date up to 7 days | After 7 days, transaction is considered complete |
| Claim Review | 1-7 business days | Depends on claim complexity |
| Implementation | 1-3 business days after decision | Funds compensated or refunded |
| Appeal | 7 days after initial decision | Re-review by a different team |
| Maximum Limit | 30 days from filing | Claim will be automatically closed if not yet resolved |
Appeal Process
If you are not satisfied with the initial decision, you can file an appeal:
- Click “File Appeal” on the dispute page within 7 days after the decision
- Write the reason for appeal with additional evidence (if any)
- A different team will re-review your case
- The appeal decision is final and cannot be challenged
Note: Appeals are only accepted if there is new evidence not previously considered. Repeated appeal filings without new evidence will be rejected.
Protection Fund FAQ
Q: How much compensation can I receive from the Protection Fund? A: Depends on the claim type. For no-show or identity fraud, compensation can reach 100% of the transaction value. For work quality issues, compensation is between 20-100% depending on the level of mismatch.
Q: Do I have to pay to file a claim? A: No. Filing a claim is free. All resolution costs are charged to the party at fault, or funded from the Protection Fund.
Q: Does the Protection Fund cover compensation beyond the transaction value? A: No. The Protection Fund only covers the relevant transaction value. Indirect losses such as lost profit or opportunity are not covered.
Q: How long is the Protection Fund active after a transaction is completed? A: The Protection Fund is active for 7 days after the work completion date. After 7 days, claims cannot be filed.
Q: Can I check the status of my claim? A: Yes. Open the “My Disputes/Claims” menu to view the current status of your claim.
Q: What if the other party is unresponsive during the review? A: The team will give a 48-hour deadline to respond. If there is no response, the team will make a decision based on available evidence from the responsive party.
Q: Do all transactions receive Protection Fund coverage? A: Yes, as long as the transaction uses the Security Deposit System. Transactions conducted outside the platform (direct payment without Security Deposit) are not covered by the Protection Fund.
Next Steps
| You Want To | Learn |
|---|---|
| Understand the Security Deposit System | Security Deposit System — how funds are held and released |
| Start first transaction | How to Search for Jobs — worker guide |
| Post a job listing | How to Post Jobs — employer guide |
| Summary of all features | Features Overview |