Terms of service

• AksaFin records your own spending, income, budgets and balances from what you send: a receipt photo, a screenshot, a statement or a message. You use it in the app, on the web dashboard or on Telegram, with one account.
• Aksa is the assistant you write to. It is built on AI models.
• AksaFin is not a bank, a payment service, a lender or an adviser. It does not connect to your bank or wallet, knows only what you send it, and cannot move money.
• Nothing Aksa says is financial, tax, legal or investment advice.
• By using AksaFin you agree to these terms. If you do not agree, do not use it.

• You need an account. You sign in with a code sent to your email, with Google, or from your chat with Aksa on Telegram. There are no passwords.
• The account is for you alone. Keep your email and your chat apps safe: whoever can read them can sign in as you.
• You must be at least 18, or use AksaFin with the permission of a parent or guardian.
• During the closed beta, new accounts are by invitation from the waitlist.

AksaFin is for your own money records. You may not:

• Use it to break a law or to harm someone.
• Send content you have no right to send, or other people's personal data beyond what a receipt or a payment shows by itself.
• Try to get into another person's account or records, or get around the monthly limits.
• Probe, overload, scrape or reverse engineer the service, or use it through automated means we did not provide.
• Resell it, or offer it to others as a service of your own.
• Try to make Aksa act outside what it is built for, or use it to produce harmful content.

• Aksa reads photos and messages with AI models. It can misread an amount, a date, a shop or a category, and it can misunderstand a question.
• Check what is recorded. What Aksa is unsure of waits for your OK, and every record can be corrected or deleted.
• Totals, budgets, net worth, reminders and recaps are worked out from your records. They are only as right as those records.
• Amounts in another currency use daily reference rates, not the rate your bank or card gave you.
• Decisions about your money are yours. Do not rely on AksaFin as your only record for taxes, legal matters or anything where a mistake would be costly.
• The privacy page says what reaches the AI models and who else handles your data.

• What you send and the records made from it are yours.
• You give us permission to store it, process it and pass it to the service providers named on the privacy page, only to run AksaFin for you.
• We do not sell it or use it for advertising.
• Do not send full card numbers, security codes (CVV), PINs, passwords or one-time codes. AksaFin never asks for them.
• You can delete a record, or your whole account, at any time.

• AksaFin has monthly limits on photos and chat messages. Yours are shown in Settings, under Usage. Typing a transaction in does not count.
• If a paid plan is offered, it is bought in the app through Google Play or the App Store. The store takes the payment, and its terms cover billing, renewal, cancellation and refunds.
• A subscription renews until you cancel it in the store. Deleting your AksaFin account does not cancel it: cancel it in the store first.
• A plan belongs to your account and counts wherever you use AksaFin.
• Prices and limits can change. A new price does not touch a period you have already paid for.
• We may give a plan or a trial without payment. It ends when its time is up.

• AksaFin is in closed beta. Features can change, be limited or be removed, and the service may be unavailable at times.
• We keep backups, but keep your own receipts and statements for anything that matters.
• We may limit, pause or close an account that breaks these terms or puts the service or other people at risk. A paused account is told so, with the reason when one was given.
• You can stop at any time: delete your account in Settings, under Delete my account. The privacy page says what that removes.
• If we ever close AksaFin, we tell you ahead and give you time to get a copy of your data.
• The AksaFin name, its logo, the app, the site and Aksa's own words belong to AksaWorks. You may use them only to use AksaFin.

• AksaFin is provided as it is. We work to keep it correct and available, but we do not promise that it is free of errors or always there.
• As far as the law allows, we are not liable for a loss that comes from a wrong or missing record, from a decision made on AksaFin's figures, or from the service being unavailable.
• Where we are liable, the most we owe you is what you paid for AksaFin in the 12 months before the claim.
• Nothing here takes away a right the law gives you as a consumer and that cannot be given up.

• These terms will change as AksaFin grows. The date at the top says when they last did.
• A change that matters is told to you in chat or by email before it applies. If you keep using AksaFin after it applies, you accept it. If you do not accept it, delete your account.
• These terms are governed by the law of the Republic of Indonesia.
• A question or a complaint: write to [email protected].