Terms of Service Syarat Layanan

Official Terms Location: This is the authoritative version of our Terms of Service. The current version is always available at: www.akunindo.com/terms

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Terms of Service in Plain Language

What these Terms mean in everyday language:

• What you're agreeing to: Rules for using AkunIndo to track your expenses
• Payment: Subscriptions purchased through Apple/Google app stores (contact them for refunds)
• Your content: You own your receipts and data. We can process them to provide the service.
• Our content: We own the AkunIndo app and brand. You can't copy or resell it.
• What's not allowed: Illegal activity, fake receipts, hacking, or abusing the service
• AI disclaimer: AI categorization helps but isn't 100% accurate. You're responsible for verifying data for tax purposes.
• If things go wrong: We're not liable for AI errors, tax penalties, or data loss. Use at your own risk.
• Canceling: Delete your account anytime. Data deleted within 90 days. Export your data first (you need it for tax compliance).
• Disputes: Try to resolve informally first, then mediation, then courts (German or Indonesian law applies)

Important: These are legally binding terms. Take a moment to read them before using AkunIndo.

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Introduction

Welcome to AkunIndo! These Terms of Service ("Terms") govern your access to and use of the AkunIndo mobile application and services ("Service"). By using AkunIndo, you agree to be bound by these Terms.

Please read these Terms carefully before using our Service.

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1. Acceptance of Terms

By creating an account, accessing, or using AkunIndo, you agree to:

• Be bound by these Terms
• Comply with all applicable laws and regulations
• Our Privacy Policy (incorporated by reference)

How Acceptance Works: By creating an account or using the Service, you automatically accept these Terms. Your continued use of the Service constitutes ongoing acceptance.

What Acceptance Covers:

• ✅ Agreement to these Terms of Service (how you use AkunIndo)
• ❌ Does NOT include automatic consent for marketing emails (separate opt-in required)
• ❌ Does NOT include automatic consent for optional data uses (separate opt-in required)

If you do not agree to these Terms, do not use our Service.

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2. Subscriptions and Payments

2.1 Subscription Purchase

• AkunIndo offers Free and Premium subscription plans
• Subscriptions are purchased through Apple App Store or Google Play Store
• All payment processing, billing, and refunds are handled by the app stores
• For billing issues, refund requests, or payment questions, contact Apple or Google directly

2.2 Subscription Management

• We use RevenueCat to verify your subscription status and provide Premium features
• RevenueCat receives your user ID and subscription status from app stores
• You can cancel subscriptions through your app store account settings

2.3 When Subscription Ends

• Premium features: Disabled immediately when subscription expires
• Your data: Retained and accessible on Free plan (no data loss)
• Free plan: Always available, no payment required

2.4 Pricing Changes

• We may change pricing at any time
• Changes apply to new subscriptions; existing subscribers notified 30 days before renewal price change
• Current pricing information is available in the app

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3. Intellectual Property

3.1 AkunIndo's Intellectual Property

We Own:

• The AkunIndo name, logo, and trademarks
• The AkunIndo application software and code
• The user interface, design, and features
• All content we create (help docs, marketing materials)

Your License:

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Use the AkunIndo application for your personal or business expense tracking
• Access your data through the application
• Export data in standard formats

You May NOT:

• Copy, modify, or reverse-engineer the application
• Remove copyright or trademark notices
• Use AkunIndo name/logo without permission
• Resell or redistribute the application
• Use the service to build a competing product

3.2 Your Content Ownership

You Own:

• Receipt images you upload
• Transaction data you enter
• Reports you generate
• Any other content you create

License You Grant Us:

By uploading content to AkunIndo, you grant us a limited license to:

• Store your content on our servers
• Process your content (OCR, categorization, reporting)
• Display your content back to you in the application
• Create backups for data protection
• Share with third-party processors (Supabase, Mistral AI) as described in our Privacy Policy (www.akunindo.com/privacy)

This License:

• Is non-exclusive (you retain full ownership)
• Is royalty-free (we don't pay to use your content)
• Is worldwide (our servers may be in different countries)
• Lasts as long as you use the service
• Terminates when you delete your account (except legal retention requirements)

You Represent:

• You own or have rights to all content you upload
• Your content does not violate anyone else's intellectual property
• Your content does not contain illegal material
• Receipt images are authentic and unaltered (except for clarity adjustments)

3.3 Third-Party Intellectual Property

If you believe content in AkunIndo infringes your intellectual property:

• Email: support@akunindo.com
• Include: Description of IP, location in our service, proof of ownership
• We will investigate and respond within 14 days

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4. Acceptable Use Policy

You agree NOT to use AkunIndo for:

4.1 Prohibited Activities

Illegal Activities:

• Money laundering or terrorist financing
• Tax evasion or fraudulent reporting
• Recording illegal transactions
• Documenting prohibited goods/services (drugs, weapons, etc.)
• Any activity violating Indonesian, German, or applicable law

Platform Abuse:

• Attempting to hack, breach security, or access other users' data
• Reverse engineering, decompiling, or extracting source code
• Using automated tools to scrape data or spam the service
• Uploading malware, viruses, or malicious code
• Creating fake accounts or impersonating others
• Overloading servers (DDoS attacks, excessive API calls)

Commercial Misuse:

• Reselling AkunIndo access without authorization
• Using Free plan for commercial purposes beyond intended limits
• Creating accounts to bypass Free plan limitations
• Sharing account credentials among multiple users

Content Violations:

• Uploading inappropriate content (pornography, violence, hate speech)
• Uploading fake or forged receipts/invoices
• Manipulating OCR to generate false data
• Using service to create fraudulent expense reports

4.2 Organization Account Restrictions

Organization Owners/Admins Must NOT:

• Monitor employees beyond expense tracking (e.g., location tracking through receipts)
• Use data for purposes other than business expense management
• Share employee data with third parties without consent
• Retaliate against employees for data rights requests

4.3 Enforcement

If you violate this policy, we may:

• Issue a warning and require corrective action
• Suspend your account temporarily
• Terminate your account permanently
• Report illegal activity to authorities
• Pursue legal action for damages

We reserve the right to:

• Investigate suspected violations
• Access account data to investigate abuse
• Cooperate with law enforcement

4.4 Reporting Violations

If you witness violations of this policy:

• Email: security@akunindo.com
• Reports are confidential
• We investigate all reports within 7 business days

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5. Account Management

5.1 Account Creation

Eligibility:

• You must be 18 years or older
• You must provide accurate information (name, email)
• You represent you have authority to agree to these Terms
• Business accounts: Owner represents authority to bind the business

Account Security:

• You are responsible for your account credentials (email and one-time password access)
• Do not share your email or OTP codes with others
• Notify us immediately of unauthorized access: security@akunindo.com
• You are responsible for all activity on your account

One Account Per Person:

• Do not create multiple accounts to bypass Free plan limitations
• If you need multiple organizations, use organization features within one account

5.2 Account Suspension

We May Suspend Your Account:

• While investigating suspected violations
• If your account is used for illegal activity
• If you fail to pay subscription fees (not applicable to Free plan)
• If your account poses security risk

During Suspension:

• Access is temporarily restricted
• Data is preserved
• We will notify you of reason and resolution process
• You can appeal suspension: support@akunindo.com

5.3 Account Termination

You Can Terminate:

• At any time by emailing support@akunindo.com
• Subscription cancellation (if Premium): Through app store settings

We Can Terminate Your Account For:

• Violation of these Terms
• Violation of Acceptable Use Policy
• Fraudulent or illegal activity
• Extended inactivity (12+ months with no login)
• Technical or security reasons

Termination Process:

• Notice: We will provide 30 days' notice when possible (except for serious violations)
• Immediate Termination: For serious violations (illegal activity, security threats)
• Data Export: You should export your data before termination (see Data Retention below)
• No Refunds: No prorated refunds for mid-period termination (app store refund policies apply)

Effect of Termination:

• Access to service immediately revoked
• Premium features disabled
• Data deleted within 90 days per Privacy Policy
• Free plan: Can re-register with same email after 90 days
• Premium plan: Cancel subscription through app store to avoid renewal

5.4 Organization Account Termination

When Organization is Deleted:

• All members immediately lose access
• Organization Owner must export data before deletion (YOUR responsibility for tax compliance)
• Member accounts unaffected (can join other organizations)
• All organization data deleted within 90 days

When Member is Removed:

• Member loses access to organization data
• Member's personal account unaffected
• Transaction data created by member remains with organization

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6. Service Availability and Performance

6.1 Service Commitment

What We Strive For:

• High uptime and reliability
• Regular security updates and improvements
• Prompt bug fixes
• Responsive customer support

What We Do NOT Guarantee:

We provide the service "AS IS" and "AS AVAILABLE" without warranties. Specifically:

• No uptime guarantee - Service may be unavailable due to maintenance, outages, or technical issues
• No error-free guarantee - Software may contain bugs
• No uninterrupted access guarantee - Updates or maintenance may require downtime

6.2 Scheduled Maintenance

Planned Downtime:

• We perform scheduled maintenance as needed
• Maintenance typically occurs during low-usage periods
• We will notify you 24 hours in advance when possible (via email or in-app notice)
• Maintenance usually lasts less than 2 hours

Emergency Maintenance:

• Security issues may require immediate unscheduled maintenance
• We will notify you as soon as possible

6.3 Service Interruptions

Unplanned Outages:

• May occur due to technical failures, third-party service issues, or other circumstances
• We will work to restore service as quickly as possible
• No compensation provided for downtime

Third-Party Dependencies:

Our service relies on third-party providers (Supabase, Hetzner, Mistral AI, app stores):

• We are not responsible for third-party outages
• We will communicate third-party issues affecting our service

6.4 Data Backup

Backup Policy:

• We maintain regular encrypted backups
• Backups retained for 90 days on rolling basis
• In case of data loss, we will restore from most recent backup
• We strongly recommend exporting your data regularly as additional protection

No Guarantee Against Data Loss:

While we implement backup systems, we cannot guarantee 100% protection against data loss. You are responsible for maintaining your own backups (via data export).

6.5 Support Response Times

Support Channels:

• Email: support@akunindo.com
• In-app: Help & Support section

Response Times (Not Guaranteed):

• Critical issues (data loss, security breach): 24 hours
• Billing/account issues: 48 hours
• Feature questions/bugs: 3-5 business days
• Feature requests: Acknowledged, no implementation timeline

Support Exclusions:

• We do not provide tax or accounting advice
• We do not troubleshoot your device or network issues
• We do not provide custom development or integrations

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7. Disclaimers and Limitation of Liability

7.1 Service Disclaimers

"AS IS" and "AS AVAILABLE":

AkunIndo is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness
• Uninterrupted or error-free operation

Specific Disclaimers:

• AI/OCR Accuracy: We do not guarantee accuracy of AI-powered categorization or OCR text extraction
• Tax Compliance: We do not guarantee our categorizations comply with tax regulations
• Financial Advice: We do not provide tax, accounting, or financial advice
• Legal Compliance: You are solely responsible for ensuring your use complies with applicable laws
• Data Accuracy: You are responsible for verifying accuracy of all data before relying on it

7.2 Limitation of Liability

To the Maximum Extent Permitted by Law:

We (AkunIndo, its operator, employees, and partners) are NOT LIABLE for:

• Indirect damages: Loss of profits, revenue, business opportunities, goodwill, or reputation
• Consequential damages: Any damages resulting from use or inability to use the service
• Incidental damages: Any unexpected losses or costs
• Data loss: Permanent or temporary loss of data
• Third-party actions: Actions of other users, hackers, or third-party service providers
• Tax penalties: Fines or penalties resulting from incorrect categorization or reporting
• Business interruption: Lost productivity or business disruption due to service unavailability

Maximum Liability Cap:

In jurisdictions where liability cannot be excluded, our total liability to you for all claims is limited to the LESSER of:

• Amounts you paid us in the 12 months prior to the claim, OR
• €100 (one hundred Euros)

Exceptions:

This limitation does NOT apply to:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded by law

7.3 Indonesian Consumer Protection Law

For Indonesian Users:

Indonesian consumer protection law (UU No. 8/1999) may limit the enforceability of certain disclaimers. Where Indonesian law provides you with mandatory rights that cannot be waived, those rights are preserved. The most favorable provision to you will apply.

7.4 Your Responsibility

You Acknowledge:

• You use AkunIndo at your own risk
• You are solely responsible for your data accuracy and compliance with laws
• You will verify all AI-generated data before relying on it
• You will maintain your own backups via data export
• You will consult qualified professionals (accountants, tax advisors) for advice
• You will not rely on AkunIndo as a substitute for professional services

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8. Indemnification

You Agree to Indemnify Us:

You will defend, indemnify, and hold harmless AkunIndo from any claims, damages, or expenses (including legal fees) arising from:

• Your violation of these Terms
• Your violation of applicable laws
• Your violation of third-party rights (intellectual property, privacy, etc.)
• Your misuse of the service
• Content you upload to the service
• Tax penalties resulting from your inaccurate data entry

We Will:

• Notify you promptly of any claim
• Allow you to control the defense (at your expense)
• Cooperate with you in the defense

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9. Changes to These Terms

9.1 Modification Rights

We may modify these Terms at any time:

• To reflect changes in our service features
• To comply with legal requirements
• To improve clarity or address new issues
• For business or operational reasons

9.2 Notification of Changes

How We Notify You:

• Email to your registered email address
• In-app notification when you next login
• Updated "Effective Date" at top of Terms
• Changes posted at: www.akunindo.com/terms

Notice Period:

• Minor Changes: Effective immediately upon posting
• Material Changes: 30 days' notice before taking effect
• Material changes include: Pricing changes, significant feature removals, major liability changes

9.3 Your Options

If You Disagree with Changes:

• Stop using the service before changes take effect
• Delete your account within notice period
• Export your data before leaving

Continued Use = Acceptance:

If you continue using AkunIndo after changes take effect, you accept the new Terms.

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10. Governing Law and Dispute Resolution

10.1 Governing Law

Applicable Law:

These Terms are governed by the laws of Germany, where the service operator is based, except where Indonesian consumer protection law provides you with mandatory protections that cannot be waived.

For Indonesian Users:

Where Indonesian law (particularly UU No. 8/1999 Perlindungan Konsumen) provides you with consumer rights that cannot be contractually waived, those rights remain enforceable. The law providing you with greater protection will apply.

10.2 Dispute Resolution Process

Step 1: Informal Resolution (Required)

Before filing any legal claim, you must contact us to attempt informal resolution:

• Email: support@akunindo.com
• Subject: "Dispute: [Brief Description]"
• Provide: Description of dispute, desired resolution, your account email
• Timeline: We will respond within 14 business days

Both parties agree to negotiate in good faith for 30 days.

Step 2: Mediation (Optional but Encouraged)

If informal resolution fails, we encourage mediation:

• Neutral third-party mediator
• Costs shared equally
• Non-binding (either party can proceed to litigation if mediation fails)

Step 3: Litigation (Last Resort)

Jurisdiction and Venue:

• For disputes initiated by us (AkunIndo): Courts of Indonesia (user's jurisdiction)
• For disputes initiated by you (users):
  • Indonesian users: Courts of Jakarta, Indonesia
  • Other users: Courts of Germany (operator's jurisdiction)

Small Claims:

Either party may bring claims in small claims court in their jurisdiction if claim qualifies.

Class Action Waiver:

To the extent permitted by law, you agree to bring claims individually, not as part of a class action or representative proceeding.

10.3 Language

These Terms are provided in English and Bahasa Indonesia. In case of conflict between versions, the English version controls, except where Indonesian law requires Indonesian language to prevail.

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11. Miscellaneous

11.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and AkunIndo, superseding any prior agreements or understandings.

11.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full effect. The invalid provision will be modified to be enforceable while reflecting the original intent.

11.3 No Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right. Any waiver must be in writing and signed.

11.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign these Terms to any successor entity (e.g., in case of acquisition or entity formation).

11.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including:

• Natural disasters (earthquakes, floods, pandemics)
• War, terrorism, civil unrest
• Government actions or regulations
• Internet or telecommunications failures
• Third-party service provider outages
• Cyberattacks or security incidents

11.6 Survival

Provisions that should survive termination remain in effect, including:

• Intellectual Property
• Disclaimers and Limitation of Liability
• Indemnification
• Governing Law and Dispute Resolution

11.7 Contact Information

For Support & General Inquiries:

• Email: support@akunindo.com
• Response time: 24-48 hours for critical issues, 3-5 business days for general questions

For Privacy Matters:

• Email: privacy@akunindo.com

For Security Issues:

• Email: security@akunindo.com

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12. Version History

Version 1.0 (November 11, 2025)

Initial Comprehensive Release:

• Plain language summary at beginning
• Explicit active acceptance requirement (must click "Agree")
• Separation of Terms acceptance vs. marketing consent
• Subscription and payment terms (minimal, app-store-focused)
• Complete Intellectual Property section (ownership and licensing)
• Comprehensive Acceptable Use Policy with specific prohibitions
• Detailed Account Management section (creation, suspension, termination)
• Service Availability and Performance section (realistic expectations)
• Disclaimers and Limitation of Liability (AI/OCR, tax compliance, Indonesian consumer protection)
• Explicit Indemnification terms
• Changes to Terms notification procedures
• Governing Law (German law with Indonesian consumer protection preserved)
• Detailed Dispute Resolution process (informal → mediation → litigation)
• Comprehensive Miscellaneous provisions (entire agreement, severability, force majeure, etc.)
• Version history tracking
• Official document location notice

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By using AkunIndo, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.