Terms of Service

Welcome to MoneFin. These Terms of Service ('Terms') constitute a legally binding agreement between you as an individual user ('User' or 'You') and MoneFin ('We' or 'Us'). By creating an account, downloading, accessing, or using MoneFin, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

MoneFin provides software solutions for self-directed personal financial logging, wallet aggregation, monthly budgeting, financial goal simulations, social split bills, and artificial intelligence-assisted analytical insights (AI Assistant).

MoneFin is engineered purely as a tool for computational recording, aggregation, and visualization of personal financial data manually entered or authorized by you.

Spending insights, budget projections, and recommendations provided by automated algorithms or the AI Assistant must not be construed as certified legal, tax, or investment advice. Any allocation of capital, purchase of financial instruments, or budgeting decision remains entirely your personal prerogative and responsibility.

To unlock MoneFin's complete feature set, you must register using a valid email address and a password that meets our strict security criteria (minimum 8 characters).

This service is strictly intended for individuals who are at least 17 (seventeen) years old or possess legal capacity under the laws of the Republic of Indonesia.

Each account is designated for a single individual. You are expressly prohibited from renting, transferring, or delegating your account access to third parties.

You are solely responsible for maintaining the confidentiality of your account credentials, One-Time Password (OTP) verification codes, and active session tokens.

MoneFin will never contact you via private message, phone, or unofficial email requesting your password, banking PIN, or OTP codes.

To safeguard your data against accidental or unauthorized sabotage, MoneFin mandates password re-authentication for critical destructive operations: you must re-verify your password when permanently deleting your profile. You can monitor and revoke active logins at any time in Security Settings.

MoneFin's Split Bill feature calculates bill allocations among friends (equal distribution, percentage shares, or exact itemized nominal amounts) along with applicable taxes and service fees.

MoneFin does not act as an escrow custodian or payment gateway. MoneFin does not hold, deduct, or escrow user funds. Settlement statuses such as 'Settled' or 'Pending' are internal bookkeeping aids.

Physical debt settlement and financial reimbursement are executed directly between participants via their chosen payment methods (bank transfer, e-wallet, or cash).

MoneFin integrates cutting-edge large language models to assist you with intelligent transaction categorization and interactive financial Q&A.

AI prompt processing is executed in private, isolated enterprise environments with strict zero data retention policies. Nevertheless, as defense-in-depth, you must never input confidential banking credentials or CVV numbers into the platform.

MoneFin incorporates educational gamification elements that award XP and milestone badges when you consistently record transactions, achieve financial goals, or maintain spending within budget limits.

Goal completion bonuses and badges are entirely virtual within the MoneFin platform. Users are strictly prohibited from exploiting bugs or tampering with payloads to artificially inflate points or badges.

All copyrights, trademarks, UI/UX designs, brand logos, software source code, database architectures, and analytical algorithms within MoneFin are the exclusive property of MoneFin.

We grant you a revocable, non-exclusive, non-transferable, limited license to access and use MoneFin on your personal devices strictly in accordance with these Terms.

You may not decompile, reverse-engineer, mirror, redistribute, conduct unauthorized automated API scraping, or produce derivative works without our prior written consent.

MoneFin employs enterprise-grade infrastructure and ACID-compliant transaction mechanics to ensure data integrity and high availability. Nonetheless, the service is provided on an 'as is' and 'as available' basis.

MoneFin disclaims liability for service interruptions arising from ISP outages, local device malware, user negligence in safeguarding credentials, or force majeure events beyond our reasonable control.

MoneFin includes dedicated export capabilities so you can download and retain local backups of your financial records whenever you wish.

You hold the unconditional right to close and delete your account at any time via Profile Settings. Permanent account deletion irreversibly purges your profile, connected wallets, transactions, budgets, split bills, and session tokens from active production servers.

MoneFin reserves the right to suspend or terminate accounts engaging in illicit conduct, cybersecurity attacks against our API infrastructure (such as IDOR tampering, SQL injection, or brute-force requests), or severe breaches of these Terms.

These Terms shall be governed by and construed in accordance with the laws of the Republic of Indonesia.

Any disputes arising from these Terms shall initially be resolved amicably through good-faith consultation. If unresolved within 30 (thirty) calendar days, the dispute shall be submitted to the exclusive jurisdiction of the competent courts of the Republic of Indonesia.

For formal legal inquiries or service notices, please contact us at legal@monefin.com.