Legal & Policies

Welcome to Sakuwise ("the App"). By downloading, installing, or using our mobile application, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.

1. Acceptance of Terms

By accessing or using Sakuwise, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use the App.

2. Description of Service

Sakuwise is a personal budget tracking application that allows users to:

• Track income and expenses
• Create and manage budgets
• View financial insights and analytics
• Set up scheduled/recurring transactions
• Receive notifications and reminders

3. Account Registration

3.1 Account Creation

To use certain features of the App, you must create an account. You may register using:

• Email and password
• Google Sign-In
• Apple Sign-In

3.2 Account Responsibility

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information during registration
• Keeping your account information up to date

3.3 Account Security

You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

4. Subscription and Payments

4.1 Free and Premium Features

Sakuwise offers both free and premium subscription tiers. Free users have access to basic features with certain limitations (e.g., limited number of budgets, restricted historical data access).

4.2 Premium Subscription

Premium subscription provides:

• Unlimited budgets
• Extended historical data access
• Additional features as we add them

4.3 Billing

• Subscriptions are billed on a monthly recurring basis
• Payment is charged at confirmation of purchase
• Subscription automatically renews unless canceled before the renewal date
• Prices are subject to change with reasonable notice

4.4 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of the current billing period.

5. User Conduct

You agree NOT to:

• Use the App for any illegal purpose
• Attempt to gain unauthorized access to the App or its systems
• Interfere with or disrupt the App's functionality
• Upload malicious code or content
• Impersonate any person or entity
• Use the App to transmit spam or unsolicited communications
• Reverse engineer, decompile, or disassemble the App

6. Intellectual Property

6.1 Our Rights

All content, features, and functionality of the App, including but not limited to text, graphics, logos, icons, and software, are owned by Sakuwise and are protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes in accordance with these Terms.

7. User Data

7.1 Your Data

You retain ownership of any financial data you input into the App. By using the App, you grant us a license to store, process, and display your data solely for the purpose of providing the service.

7.2 Data Accuracy

You are responsible for the accuracy of the data you enter. Sakuwise does not verify the accuracy of user-entered financial information.

8. Disclaimers

8.1 No Financial Advice

Sakuwise is a budgeting tool and does NOT provide:

• Financial advice
• Investment recommendations
• Tax advice
• Legal advice

The insights and analytics provided are for informational purposes only. Consult qualified professionals for financial decisions.

8.2 Service Availability

The App is provided "as is" and "as available." We do not guarantee that:

• The App will be uninterrupted or error-free
• Defects will be corrected
• The App is free of viruses or harmful components

8.3 Limitation of Liability

To the maximum extent permitted by law, Sakuwise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, profits, or business opportunities.

9. Indemnification

You agree to indemnify and hold harmless Sakuwise, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the App or violation of these Terms.

10. Third-Party Services

The App may integrate with third-party services (e.g., Google Sign-In, Paddle). Your use of these services is subject to their respective terms and privacy policies.

11. Modifications to Service

We reserve the right to:

• Modify or discontinue the App (or any part of it) at any time
• Update these Terms with reasonable notice
• Change subscription pricing with advance notice

Continued use of the App after changes constitutes acceptance of the modified Terms.

12. Termination

12.1 By You

You may terminate your account at any time by contacting us.

12.2 By Us

We reserve the right to suspend or terminate your account if you violate these Terms or engage in conduct that we determine is harmful to the App or other users.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Indonesia, without regard to its conflict of law provisions.

14. Dispute Resolution

Any disputes arising from these Terms or your use of the App shall first be attempted to be resolved through good-faith negotiation. If resolution cannot be reached, disputes shall be submitted to binding arbitration.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

16. Contact Us

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

Email: [email protected]

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By using Sakuwise, you acknowledge that you have read, understood, and agree to these Terms of Service.

Sakuwise ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

1. Information We Collect

1.1 Information You Provide

Account Information:

• Email address
• Password (encrypted)
• Display name

Financial Data:

• Transaction records (income and expenses)
• Budget information
• Scheduled/recurring transaction settings

When Using Third-Party Sign-In:

• Google Sign-In: Email address, name, profile picture

1.2 Information Collected Automatically

Device Information:

• Device type and model
• Operating system and version
• Unique device identifiers

Usage Information:

• App features used
• Screen views
• Interaction patterns
• Time spent in the App

Analytics Data (via Firebase Analytics):

• Session duration
• Feature usage statistics
• Crash reports and performance data
• User engagement metrics

Error Tracking (via Sentry):

• Crash logs
• Error reports
• Performance metrics
• Device state at time of error

1.3 Information We Do NOT Collect

• Bank account credentials
• Credit card numbers
• Social Security numbers
• Location data
• Contacts or address book
• Photos or media files

2. How We Use Your Information

We use the collected information to:

• Provide the Service: Store and sync your financial data, process transactions, manage budgets
• Authenticate Users: Verify your identity and secure your account
• Process Subscriptions: Manage premium subscriptions and billing
• Improve the App: Analyze usage patterns to enhance features and user experience
• Send Notifications: Deliver transaction reminders and scheduled alerts (with your permission)
• Provide Customer Support: Respond to inquiries and resolve issues
• Ensure Security: Detect and prevent fraud, abuse, or violations of our terms
• Comply with Legal Obligations: Fulfill legal requirements and respond to lawful requests

3. Data Storage and Security

3.1 Where Your Data is Stored

Your data is stored on secure cloud servers provided by Supabase. Our infrastructure uses:

• Encrypted data transmission (HTTPS/TLS)
• Encrypted data storage
• Secure authentication protocols
• Regular security updates and monitoring

3.2 Data Retention

• Active Accounts: Your data is retained as long as your account is active
• Deleted Accounts: Upon account deletion, your data is permanently removed within 30 days
• Analytics Data: Aggregated analytics data may be retained indefinitely for service improvement

3.3 Security Measures

We implement industry-standard security measures including:

• Password hashing and encryption
• Secure session management
• Access controls and authentication
• Regular security audits

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

4. Sharing Your Information

4.1 We Do NOT Sell Your Data

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4.2 Third-Party Service Providers

We share limited information with trusted service providers who assist in operating our App:

Service	Purpose	Data Shared
Supabase	Database & Authentication	Account data, financial records
Firebase Analytics	App analytics	Anonymous usage data, device info
Sentry	Error tracking	Crash logs, error reports
Google Sign-In	Authentication	Email, name (when chosen)
Paddle	Subscription billing	Email, Name, Billing information

These providers are bound by contractual obligations to keep your information confidential.

4.3 Legal Requirements

We may disclose your information if required by law, legal process, or government request, or to:

• Comply with applicable laws
• Protect our rights and property
• Prevent fraud or illegal activity
• Protect user safety

5. Your Rights and Choices

5.1 Access Your Data

You can view your financial data at any time through the App.

5.2 Update Your Information

You can update your account information through the App's settings.

5.3 Delete Your Account

You can request account deletion through the App or by contacting us. Upon deletion:

• Your account will be deactivated immediately
• Your data will be permanently deleted within 30 days
• Some data may be retained for legal compliance purposes

5.4 Opt-Out Options

• Push Notifications: Manage through your device settings
• Marketing Communications: Unsubscribe via email
• Analytics: Limited opt-out available through device privacy settings

6. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

7. Third-Party Links

The App may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by:

• Updating the "Last Updated" date
• Sending you an email (for material changes)

Continued use of the App after changes constitutes acceptance of the updated Privacy Policy.

9. Your California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to know whether personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to access your personal information
• Right to equal service and price

To exercise these rights, contact us using the information below.

10. European Users (GDPR)

If you are in the European Economic Area, you have rights under the General Data Protection Regulation:

• Right of access
• Right to rectification
• Right to erasure
• Right to restrict processing
• Right to data portability
• Right to object
• Right not to be subject to automated decision-making

Our legal bases for processing your data include:

• Performance of a contract (providing the service)
• Legitimate interests (improving the App)
• Consent (where applicable)

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Email: [email protected]

For Data Deletion Requests:

• Subject line: "Deletion Request"
• Include your account email

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By using Sakuwise, you acknowledge that you have read and understood this Privacy Policy.

Thank you for your interest in Sakuwise Premium. Please read this Refund Policy carefully before making a purchase.

1. All Sales Are Final

All purchases of Sakuwise Premium subscriptions are final and non-refundable.

Once a subscription is purchased, we do not provide refunds or credits for:

• Partial subscription periods
• Unused premium features
• Change of mind
• Failure to cancel before renewal
• Dissatisfaction with the service

2. Try Before You Buy

We strongly encourage you to:

• Fully explore the free version of Sakuwise before upgrading
• Review all premium features and their descriptions
• Ensure Sakuwise meets your needs before purchasing

The free tier provides core budgeting functionality, allowing you to evaluate whether Sakuwise is right for you.

3. Subscription Management

3.1 Cancellation

While we do not offer refunds, you may cancel your subscription at any time:

• Cancellation stops future billing
• You retain premium access until the end of your current billing period
• Your data remains accessible (with free tier limitations after expiry)

3.2 How to Cancel

Through the App:

1. Go to Account → Manage Subscription
2. Select "Cancel Subscription"
3. Confirm cancellation

4. Exceptions

In rare cases, we may consider exceptions for:

• Duplicate charges: If you were accidentally charged twice for the same subscription period
• Unauthorized purchases: If your account was compromised and purchases were made without your consent (requires verification)

These situations will be reviewed on a case-by-case basis. Contact us with documentation to support your claim.

5. Contact Us

For questions about this Refund Policy or subscription-related inquiries:

Email: [email protected]

Response Time: 3-5 business days

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Quick Reference

Question	Answer
Can I get a refund?	No, all sales are final
Can I cancel my subscription?	Yes, anytime (no refund for remaining period)
Will I keep access after canceling?	Yes, until the end of your billing period
What about App Store purchases?	Contact Apple/Google for their refund policies
Can I re-subscribe later?	Yes, anytime

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By subscribing to Sakuwise Premium, you acknowledge that you have read and understood this Refund Policy and agree that all purchases are final.