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ArusHarian

Legal

Terms of Service

The ground rules for using ArusHarian, written as clearly as we can. Please read them before using the app or subscribing.

Effective November 11, 2026

This is an English translation provided for convenience. If there is any difference between this translation and the Indonesian version, the Indonesian version prevails.

1. Accepting these terms

These Terms of Service are an agreement between you and ArusHarian (“we”) about your use of the ArusHarian app for Android and iOS, its sync service, and this website (together, the “Service”). By downloading, installing, or using the Service, you confirm that you have read and agree to these terms and our Privacy Policy. If you do not agree, please do not use the Service.

2. About the service

ArusHarian is a tool for recording and monitoring personal finances: money in and out, budgets, savings goals, debts and receivables, and reports.

ArusHarian is not a bank, digital wallet, or payment service provider. The Service does not hold, move, or manage your money, does not connect to your bank account, and does not provide loans.

ArusHarian is not a financial, investment, legal, or tax adviser. Figures, reports, and suggestions (such as a safe daily allowance or a monthly goal deposit) are calculated from the data you enter and are for information only. Financial decisions are entirely your responsibility.

3. Offline mode

Offline mode can be used free of charge without an account, with every tracking feature and no limit on the amount of data. In this mode data is stored only on your device, so:

  • You are responsible for making regular backups. We cannot recover data if your device is lost, damaged, reset, or the app is uninstalled without a backup.
  • Only you know the password to your backup files. If you forget it, the file cannot be opened, including by us.
  • If you forget your app lock PIN, you can unlock the app with your phone's screen lock. Keep your screen lock secure, because anyone who knows it can open the app.

4. Accounts

  • Online mode requires an account. You must be at least 18 years old and provide accurate information, including an active email address.
  • You are responsible for keeping your password confidential and for all activity through your account. Change your password and revoke unknown devices immediately if you suspect misuse.
  • One account per person. Accounts may not be sold or transferred.
  • You can delete your account at any time from the app. Data deletion is described in the Privacy Policy.

5. Subscriptions & payment

  • What you pay for is only services that use our servers, such as sync across devices and shared books. Tracking in offline mode remains free.
  • Payment is only through Google Play Billing or Apple In-App Purchase. The price, currency, and applicable taxes are those shown by the app store at the time of purchase.
  • A free trial of 14 days may be offered to new accounts. If not cancelled before the trial ends, the subscription may continue as a paid subscription according to your app store settings.
  • Auto-renewal: monthly or yearly subscriptions are renewed automatically by the app store until you cancel. Cancel from the subscription settings in Google Play or the App Store; cancellation takes effect at the end of the current period.
  • Refunds follow the Google Play or Apple policies, since they process the payments.
  • Subscription status is verified on our servers directly with Google or Apple.
  • If payment stops, the service keeps running for a 7-day grace period. After that, cloud data becomes read-only and is not deleted, and data on your device remains fully usable.
  • We may change prices or plan contents. Price changes do not apply to periods already paid for and will be announced in line with app store rules.
  • Features marked “Soon” are not part of the subscription until they are actually launched.

6. Shared books

  • A book owner can invite others and set their role: owner, editor (records and edits), or viewer (read only).
  • By inviting someone, you give that person access to the data in that book according to their role. Only invite people you trust.
  • Data you record in a book owned by someone else becomes part of that book. If you leave or are removed from the book, that data stays in the book.
  • If a book owner deletes their account, the books they own and their contents are deleted too.

7. Prohibited use

You agree not to:

  • Use the Service for unlawful activities, including fraud or money laundering.
  • Access or attempt to access other people's accounts, books, or data without permission.
  • Disrupt, overload, test for vulnerabilities without permission, or damage our servers and the Service.
  • Disassemble, modify, or copy the app to circumvent payment or Service restrictions.
  • Use scripts or automation to access the Service outside the official app.
  • Store content that infringes others' rights or applicable law in notes, names, or attachments.

8. Your data

The financial records you create are yours. You grant us a limited permission to store, process, and sync that data solely to provide the Service to you and the members of your shared books, as described in the Privacy Policy. You can export your data to CSV at any time.

9. Intellectual property

The app, website, code, design, the ArusHarian name and brand, logo, and other materials in the Service are ours and protected by law. We grant you a personal, limited, non-exclusive, non-transferable licence to use the app in accordance with these terms and the terms of the app store you downloaded it from.

10. Service availability

We work to keep the Service available and your data correctly synced, but the Service is provided “as is”. Online services may be temporarily unavailable due to maintenance, network problems, or matters beyond our control. During that time you can keep recording on your device, and data will sync once the Service is back. We may add, change, or discontinue features with reasonable notice.

11. Limitation of liability

To the extent permitted by applicable law, we are not liable for:

  • Financial decisions you make based on records, reports, or calculations in the app.
  • Errors caused by data you entered incorrectly.
  • Loss of device data that was not backed up, or due to lost or disclosed passwords/PINs.
  • Indirect, incidental, or consequential losses arising from use of the Service.

If we are found liable, our total liability is limited to the subscription fees you paid in the previous 12 months. This does not limit your rights as a consumer under Indonesian law.

12. Termination

You can stop using the Service or delete your account at any time. We may suspend or close accounts that violate these terms or applicable law, with notice where possible. Closing an account does not delete data on your device.

13. Governing law

These terms are governed by the laws of the Republic of Indonesia. Disputes will first be resolved amicably. If no agreement is reached, disputes will be settled through the dispute resolution mechanisms applicable in Indonesia.

14. Changes to these terms

We may update these terms. The effective date above will be updated, and for significant changes we will notify you in the app or by email before they take effect. By continuing to use the Service after changes take effect, you agree to the updated terms.

15. Contact us

Questions about these terms can be sent to arusharian@firmansyahdiar.my.id.

See also the ArusHarian Privacy Policy.