The purpose of this research is to find out the responsibility of business actors for application errors that harm consumers. With the development of economic technology in Indonesia and also in the world is growing. The financial services sector is one of the sectors that has also developed following the times where previously through conventional banks and non-banks, now that significant technological developments have given rise to new things such as financial technology. There are several types of financial technology, one of which is risk management and investment which is focused on in this study, in this case, Ajaib application is a financial service business actor engaged in risk management and investment. Ajaib application had an error which then harmed its consumers, and in the case of this loss according to the terms and conditions of the Ajaib application, the Ajaib application is not responsible for this loss. So that this research was made to find out the responsibilities that Ajaib application should be responsible for its consumers in accordance with the regulations that apply to financial service business actors regulated in the regulations of the financial services authority in Indonesia due to the incompatibility of the terms and conditions of Ajaib application with regulatory authorities financial services.