1. Introduction

Welcome to FinansiKu ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our financial management application and services. By creating an account or using our services, you agree to be bound by these Terms.

FinansiKu is a personal finance management platform that helps you track your income, expenses, and financial goals. We are committed to protecting your financial data and providing you with tools to manage your money effectively.

2. Account Registration

To use FinansiKu, you must create an account by providing accurate and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Providing accurate and up-to-date information

You must be at least 18 years old to create an account. By registering, you confirm that you meet this age requirement.

3. Use of Services

You may use FinansiKu for personal financial management purposes only. You agree not to:

• Use the service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Share your account with others
• Use automated tools to access our services
• Reverse engineer or attempt to extract our source code

4. Data Privacy and Security

We take your privacy seriously and implement industry-standard security measures to protect your financial data:

• Your data is encrypted both in transit and at rest
• We never sell your personal or financial information
• You can export or delete your data at any time
• We comply with applicable data protection regulations

For detailed information about how we collect, use, and protect your data, please refer to our Privacy Policy.

5. Financial Information Disclaimer

FinansiKu is a financial tracking tool and does not provide financial advice, investment recommendations, or tax guidance. We are not a financial institution and do not:

• Hold or manage your money
• Execute financial transactions on your behalf
• Provide investment or tax advice
• Guarantee the accuracy of financial calculations

Always consult with qualified financial professionals for investment, tax, or financial planning advice.

6. Subscription and Payments

FinansiKu offers both free and premium subscription plans:

• Free accounts have limited features and storage
• Premium subscriptions are billed monthly or annually
• You can cancel your subscription at any time
• Refunds are provided according to our refund policy
• Price changes will be communicated 30 days in advance

7. Service Availability

While we strive to maintain 99.9% uptime, we cannot guarantee uninterrupted service. We may temporarily suspend service for:

• Scheduled maintenance and updates
• Emergency security patches
• Technical difficulties beyond our control

We will provide advance notice of scheduled maintenance whenever possible.

8. Limitation of Liability

FinansiKu is provided "as is" without warranties of any kind. We are not liable for:

• Financial decisions made based on information in our app
• Data loss due to technical issues or user error
• Damages resulting from service interruptions
• Third-party integrations or services

Our total liability shall not exceed the amount you paid for our services in the past 12 months.

9. Termination

Either party may terminate this agreement at any time:

• You can delete your account from the settings page
• We may suspend accounts that violate these terms
• Upon termination, you have 30 days to export your data
• We will delete your data according to our retention policy

10. Changes to Terms

We may update these Terms from time to time. When we do:

• We'll notify you via email and in-app notification
• Changes take effect 30 days after notification
• Continued use constitutes acceptance of new terms
• You can review the latest version anytime in our app

11. Contact Information

If you have questions about these Terms, please contact us:

• Email: support@finansiku.com
• Address: FinansiKu Support Team
• Response Time: We typically respond within 24 hours