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These Terms and Conditions (the "Terms") form a binding agreement between you and Arizu Studio ("we", "us", "our"), whose address is Grand Depok City, Cluster Gardenia, Kota Depok, Jawa Barat, 16412, Indonesia.. They govern your access to and use of Money Tracker (the "Service"), which consists of the Money Tracker Android application, our public website at https://arizu.id (including email verification and password reset pages), and the related servers and systems that make them work.
Please read these Terms together with our Privacy Policy, Refund Policy, Close Account Policy, Acceptable Use Policy, AI & Receipt Scanning Notice and Data Retention Policy, all of which are incorporated into these Terms by reference.
1. Acceptance of These Terms
By creating an account, installing the application, or otherwise using the Service, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree, you must not create an account or use the Service.
Your agreement is given electronically. Under Law No. 11 of 2008 on Electronic Information and Transactions, as amended ("UU ITE"), and Government Regulation No. 71 of 2019 on the Operation of Electronic Systems and Transactions, an electronic agreement of this kind is valid and binding.
2. Eligibility
2.1 Minimum age
You must be at least 17 years old to create an account. If you are older than 17 but below the age of legal majority in your place of residence, you may use the Service only with the knowledge and consent of a parent or legal guardian, who is responsible for your use of the Service and for compliance with these Terms.
2.2 Children
The Service is not directed to children under 13. We do not knowingly collect personal data from children under 13. If we learn that an account belongs to a child under 13, we will close it and delete the associated data. If you believe a child has registered, please contact us at arizu.team@gmail.com.
2.3 Accurate registration
You must provide accurate and current information when registering, keep your email address up to date, and verify your email address when asked. Some features, such as receipt scanning, may require a verified email address.
3. What the Service Is, and What It Is Not
Money Tracker is a personal record-keeping tool. It helps you record income and expenses, organise them into categories, set budgets, track the money sources you use (for example a bank account, card, e-wallet or cash), schedule recurring entries, record transfers between your own money sources, scan receipts to pre-fill entries, and export your own data.
The Service is not a bank, an e-money issuer, a payment service provider, a lender, an investment adviser or a tax adviser. It never moves money, never connects to your bank or e-wallet to initiate or receive payments, and never holds funds on your behalf. Balances, totals, charts and reports shown in the Service are calculated from the information you enter. They are not statements of account and must not be relied on as official financial records.
Nothing in the Service, in any notification, or in any communication from us is financial, investment, accounting, tax or legal advice. You are solely responsible for your financial decisions and for your own tax and legal compliance. Please consult a qualified professional where you need advice.
4. Your Account
4.1 Security
You are responsible for keeping your password and your device secure, for all activity that occurs under your account, and for notifying us promptly at arizu.team@gmail.com if you suspect unauthorised access. Choose a strong password that you do not use elsewhere. You may enable an app lock (biometric or PIN) on your device; the app lock operates locally on your device and does not replace the security of your device itself.
4.2 One person, one account
An account is personal to you. You may not share your credentials, sell, rent or transfer your account, or allow another person to use a subscription that was purchased for you. Signing in on several of your own devices is permitted. We record the devices used with your account and may alert you to new or unusual devices, as explained in the Privacy Policy.
4.3 Sign-in sessions
To keep the Service convenient, a sign-in on the app remains valid until it has been inactive for 180 days, after which you must sign in again. You can sign out of a device, or of your other devices, from within the app at any time.
5. Licence to Use the Service
Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, non-sublicensable and revocable licence to install and use the Money Tracker application on devices that you own or control, and to access the Service, solely for your own personal, non-commercial record-keeping. All rights not expressly granted are reserved.
6. Your Data and Content
6.1 Ownership
You own the information you enter into the Service, including your transactions, categories, budgets, notes, money source details and receipt images ("Your Data"). We do not claim ownership of Your Data.
6.2 Licence to process
You grant us a limited, worldwide, non-exclusive, royalty-free licence to host, store, transmit, process and display Your Data solely to the extent necessary to provide, secure, maintain and support the Service for you, and to comply with law. This includes, when you choose to scan a receipt, transmitting the receipt image to the third-party AI provider described in the AI & Receipt Scanning Notice. We do not sell Your Data and we do not use your financial records for advertising profiling.
6.3 Your responsibility for Your Data
You are responsible for the accuracy and lawfulness of Your Data. Do not enter full payment card numbers, card security codes, PINs, banking passwords or one-time codes into any field of the Service. Where the Service asks for details of a money source, please provide only the minimum needed to recognise it, such as a name, a type and the last four digits where requested.
6.4 Export
You can export your transactions as a CSV file from within the app at any time, including before you close your account.
6.5 Data protection
How we collect and use personal data is described in the Privacy Policy. How long we keep it is described in the Data Retention Policy.
7. Plans, Quotas and Subscriptions
7.1 Plans
The Service is offered under a Free plan and paid Lite and Pro plans. Each plan has features and usage limits that are described in the app. At the date of these Terms, the daily receipt-scan allowance is 5 scans on Free (each preceded by a rewarded video advertisement), 10 on Lite and 100 on Pro. Some features, such as automatic transaction capture from payment notifications, may be limited to particular plans. Allowances reset daily and unused allowances do not carry over.
7.2 Purchases through Google Play only
Paid plans are sold exclusively through Google Play Billing as auto-renewing subscriptions. We do not accept card details, bank transfers or any other payment directly. Google processes your payment, applies the price, currency and taxes displayed at purchase, and handles your billing details; we never see your payment card number. Your purchase is also subject to Google Play's terms of service.
7.3 Verification
Paid access is granted only after our servers have verified your purchase with Google. We receive and store purchase information such as the order and subscription identifiers, product, status and expiry date. If verification fails, or if Google informs us that a purchase has been cancelled, refunded, charged back or is no longer valid, we will remove the corresponding paid access.
7.4 Renewal and cancellation
Subscriptions renew automatically at the end of each billing period until you cancel them in Google Play. Deleting the app or closing your Money Tracker account does not by itself cancel a Google Play subscription; you must cancel it yourself in Google Play. When you cancel, you keep paid access until the end of the period you have already paid for.
7.5 Price and plan changes
We may change prices, plan features or quotas. Changes to the price of a subscription are presented through Google Play in accordance with its rules, and will not apply to a billing period you have already paid for. If we make a change that materially reduces what a paid plan includes, we will give you reasonable notice in the app or by email before it takes effect, and you may cancel before the change applies.
7.6 Complimentary access
We may, at our discretion, grant paid-plan access to an account without payment (for example as a goodwill gesture). Complimentary access has no cash value and may be withdrawn on notice or when it expires.
7.7 Refunds
Refunds are governed by our Refund Policy.
8. Receipt Scanning and Automation Features
The receipt scanning feature uses artificial intelligence to propose a merchant, date, items and totals from a receipt image. The output is a suggestion only. AI extraction can be wrong, incomplete or misleading, and you must review and correct every suggestion before you confirm it. Nothing is saved as a transaction until you confirm it. We do not guarantee the accuracy or completeness of any extraction. Details are in the AI & Receipt Scanning Notice.
If you enable automatic transaction capture, the app reads the text of notifications from other apps that you have allowed through Android's notification access setting, in order to propose or record transactions. You can revoke that access at any time in your device settings. You remain responsible for checking that recorded entries are correct.
9. Acceptable Use
You must use the Service lawfully and in accordance with the Acceptable Use Policy. In particular, you must not misuse the Service to keep records intended to conceal fraud, money laundering or other unlawful activity, reverse engineer or scrape it, circumvent quotas, advertisements or billing, or interfere with its security.
10. Intellectual Property
The Service, including the application, website, software, design, text, graphics, logos, trade names and trademarks, is owned by Arizu Studio or its licensors and is protected by Indonesian and international intellectual property laws. Except for the licence in section 5, these Terms give you no right in our intellectual property. If you send us feedback or suggestions, you grant us a perpetual, royalty-free right to use them without obligation to you.
11. Third-Party Services
The Service depends on third parties that we do not control, including Google (Google Play, Google Play Billing and, where applicable, advertising services), the artificial intelligence provider selected by us for receipt scanning, email delivery and hosting providers. Your use of Google Play is governed by Google's terms. We are not responsible for the acts, omissions, availability or policies of third parties, although we choose them with care and describe their role in the Privacy Policy. Links to third-party sites are provided for convenience only.
12. Availability, Maintenance and Changes
We will use commercially reasonable efforts to keep the Service available and to perform maintenance at times that minimise disruption. We do not promise uninterrupted or error-free operation. The Service may be unavailable from time to time because of maintenance, updates, security measures, third-party outages or events outside our control. We may modify, add or remove features, provided that we will give reasonable notice of any change that materially and adversely affects paid plans, as set out in section 7.5.
You are responsible for keeping the app updated. Older versions may stop working when we introduce security or compatibility changes. We recommend that you export your data periodically so that you hold your own copy.
13. Suspension and Termination
13.1 By you
You may stop using the Service and delete your account at any time from within the app, as described in the Close Account Policy.
13.2 By us
We may warn, restrict, suspend or terminate your account, or block a device, if we reasonably believe that you have breached these Terms or the Acceptable Use Policy, that your account or device poses a security or fraud risk, that a payment was reversed or charged back, or that we are required to do so by law or by an order of a competent authority. Where practicable and lawful, we will tell you the reason, which may be displayed in the app, and give you an opportunity to respond or to export your data. We may act without prior notice where necessary to prevent harm or comply with the law.
13.3 Effect
On termination, your licence ends and paid access ends. Sections that by their nature should survive termination, including those on intellectual property, disclaimers, limitation of liability, indemnity and governing law, will survive. Termination for breach does not entitle you to a refund, as set out in the Refund Policy.
14. Disclaimers
To the maximum extent permitted by applicable law, the Service is provided on an "as is" and "as available" basis. We disclaim all warranties not expressly stated in these Terms, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. In particular, we do not warrant that the Service will meet your requirements, that it will be uninterrupted, secure or error-free, that AI-generated extractions or automatic transaction capture will be accurate, or that calculations, balances or reports are suitable for accounting, tax or legal purposes.
These Terms do not exclude any right or remedy you have under mandatory law, including Law No. 8 of 1999 on Consumer Protection ("UU Perlindungan Konsumen"), that cannot lawfully be excluded or limited by agreement.
15. Limitation of Liability
To the maximum extent permitted by law, Arizu Studio, its directors, employees, and service providers will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, savings, goodwill or data, arising out of or in connection with your use of or inability to use the Service, even if we have been advised that such loss is possible.
To the maximum extent permitted by law, our total aggregate liability to you for all claims arising out of or relating to the Service will not exceed the total amount you actually paid to us for the Service (through Google Play, net of amounts refunded) during the 12 months immediately preceding the event giving rise to the claim. If you use only the Free plan, this amount is zero.
Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including liability for fraud, wilful misconduct or gross negligence, or any liability to a consumer that the law does not allow to be limited.
16. Indemnity
To the extent permitted by law, you agree to indemnify and hold harmless Arizu Studio and its personnel from claims, losses, liabilities, damages and reasonable costs (including reasonable legal fees) arising from your breach of these Terms or of the law, from content you submit that infringes the rights of others, or from your misuse of the Service. We will notify you of any such claim where practicable, and this section does not apply to the extent the loss was caused by our own breach or negligence.
17. Force Majeure
Neither party is liable for failure or delay in performing its obligations (other than an obligation to pay) caused by events beyond its reasonable control, including natural disasters, epidemics, war, terrorism, riots, government action, power or internet failures, failures of telecommunications, cloud or payment platform providers, or cyberattacks that could not reasonably have been prevented. The affected party will take reasonable steps to resume performance as soon as practicable.
18. Changes to These Terms
We may update these Terms from time to time, for example to reflect changes to the Service, to our practices or to the law. We will notify you of material changes in the app or by email to the address on your account at least 14 days before they take effect, unless a shorter period is required by law or for security reasons. The version number and effective date are shown with the Terms. If you continue to use the Service after the changes take effect, you accept the updated Terms. If you do not agree, you must stop using the Service and may close your account before the changes take effect.
19. General Provisions
19.1 Severability
If any provision of these Terms is held invalid or unenforceable, it will be enforced to the maximum extent permissible and the remaining provisions will continue in full force.
19.2 Entire agreement
These Terms, together with the policies referred to above, are the entire agreement between you and us about the Service and replace all earlier understandings on the same subject.
19.3 No waiver
Our failure to enforce any right or provision is not a waiver of it.
19.4 Assignment
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms to an affiliate or to a successor in connection with a merger, acquisition or sale of the business, provided that the assignee assumes our obligations and that your rights regarding your personal data under applicable law are preserved.
19.5 Language
These Terms are written in English. If a translation is provided for convenience and there is a conflict, the English version prevails to the extent permitted by law. Where Indonesian law requires an agreement with an Indonesian party to be in the Indonesian language, the Indonesian version we provide will be the binding text for that purpose.
19.6 Notices
We may give you notice through the app, on the website, or by email to the address registered to your account. You may give us notice at arizu.team@gmail.com or at Grand Depok City, Cluster Gardenia, Kota Depok, Jawa Barat, 16412, Indonesia..
20. Governing Law and Dispute Resolution
These Terms are governed by the laws of the Republic of Indonesia. If a dispute arises, the parties will first try in good faith to resolve it through deliberation and consensus (musyawarah untuk mufakat), starting with a written notice describing the dispute sent to the other party. If the dispute is not resolved within 30 days after that notice, the parties may refer it to mediation, including mediation facilitated by a consumer dispute resolution body where applicable. If the dispute is still not resolved, it will be submitted to the exclusive jurisdiction of the courts of Kota Depok, Indonesia.
This section does not prevent you from lodging a complaint with a competent consumer protection or data protection authority, or from exercising any right of access to the courts that mandatory law gives you. If you are a consumer residing outside Indonesia, you keep any mandatory consumer protection rights granted by the law of your country of residence.
21. Contact Us
If you have a question about these Terms, please write to us:
- General and support enquiries: arizu.team@gmail.com
- Privacy and data protection: arizu.team@gmail.com
- Postal address: Arizu Studio, Grand Depok City, Cluster Gardenia, Kota Depok, Jawa Barat, 16412, Indonesia.
- Website: https://arizu.id