Terms & Conditions

Acceptance of these Terms

These Terms form an agreement between you as the user and PT Fineka Teknologi Nusantara, the company operating Fineka from Bandung, West Java, Indonesia.

In these Terms, references to “Fineka”, “we”, “us”, or “our” refer to PT Fineka Teknologi Nusantara as the operator of Fineka, unless the context indicates otherwise.

By accessing the Fineka website, creating an account, using the application, or purchasing a Fineka plan, you confirm that you have read, understood, and agreed to these Terms and the Fineka Privacy Policy .

If you do not agree with these Terms, you should not use Fineka.

About the Fineka service

Fineka is a personal finance management application designed to help users record, organise, and understand their financial information in one system.

Fineka is developed and operated by PT Fineka Teknologi Nusantara, a technology company based in Bandung, West Java, Indonesia.

Features may include:

• wallets and balances;
• transactions and transfers;
• budgets;
• credit cards and Buy Now, Pay Later;
• bills and instalments;
• savings goals;
• debts and receivables;
• assets and investments;
• Net Position;
• reports and insights;
• financial health scores; and
• other features developed over time.

Fineka may improve, add, replace, develop, or discontinue certain features as part of the ongoing development of the service.

Eligibility

Fineka is intended for users who are at least 18 years old or otherwise have the terms capacity required to enter into an agreement.

By using Fineka, you confirm that the information you provide is accurate and that you have the terms right and capacity required to use the service.

Account and security

Certain Fineka functionality requires a user account.

You are responsible for:

• providing accurate and current account information;
• protecting your password and account credentials;
• keeping your devices secure;
• not sharing OTPs, passwords, or credentials with unauthorised parties;
• not allowing your account to be used in violation of these Terms; and
• contacting Fineka promptly if you suspect unauthorised access.

Activity carried out through your account may be treated as activity performed by you unless there is evidence of unauthorised access or another relevant circumstance.

Licence to use Fineka

While your account and access rights remain valid, Fineka grants you a limited, non-exclusive, non-transferable, revocable right to use the service in accordance with these Terms.

This licence is for personal use and does not transfer ownership of Fineka's software, design, systems, source code, databases, documentation, trademarks, or other intellectual property.

Unless expressly authorised in writing, you may not:

• copy or resell Fineka;
• modify Fineka's software or systems;
• reverse engineer, decompile, or disassemble the application;
• access restricted systems or accounts;
• resell or commercially provide the service to others without permission;
• use automated mechanisms to interfere with or overload the service; or
• remove proprietary, copyright, or trademark notices.

Prohibited use

You may not use Fineka for unlawful activities or in a way that may harm the service, Fineka systems, or other users.

Prohibited activity includes:

• fraud or impersonation;
• attempting to access another user's account;
• introducing malware, viruses, or harmful code;
• interfering with Fineka servers, networks, APIs, or infrastructure;
• unauthorised scraping, crawling, or automated abuse;
• bypassing security controls;
• using Fineka for unlawful activity;
• attempting to obtain unauthorised access to systems or data; or
• infringing Fineka's or another party's rights.

Information you enter

You retain your rights in financial information and other data that you enter into Fineka.

To provide the service, you grant PT Fineka Teknologi Nusantara a limited right to host, process, display, calculate, back up, and transmit that information only as reasonably required to provide and operate Fineka for you.

Fineka does not acquire ownership of your financial records merely because they are stored or processed through the service.

You are responsible for the accuracy of the information you enter. Fineka does not independently verify every balance, transaction, asset, investment, liability, debt, receivable, or other financial record entered by you.

Personal data processing through Fineka is further described in the Fineka Privacy Policy .

Nature of financial information

Fineka may generate calculations such as Net Position, budget indicators, goal progress, reports, financial health scores, and insights based on information you provide.

Fineka does not act as a bank, lender, securities company, investment broker, investment adviser, insurance company, or professional financial adviser.

Financial decisions you make based on information shown in Fineka remain your responsibility.

Plans and access periods

Essentials

Essentials provides access to Fineka for one year from activation or as otherwise stated when you purchase the plan.

When access expires, some or all application functionality may be restricted until the plan is renewed.

Expiration of an Essentials plan does not by itself mean that account data is immediately deleted. Retention remains governed by the Fineka Privacy Policy .

Independents

Independents provides access without an annual renewal fee for as long as the Fineka service remains operational and your account remains valid under these Terms.

Fineka may migrate platforms, replace technology, modify features, change its architecture, or change the way the service is delivered over time.

Pricing and payment

The applicable plan price will be shown on the website, application, checkout page, or another official Fineka channel before payment.

You are responsible for reviewing the plan, price, payment method, and transaction information before completing payment.

Fineka may change pricing for future purchases.

A future price change does not automatically alter a transaction that has already been successfully completed.

Fineka may correct an obvious pricing error caused by a technical issue, input error, or system error and may contact the affected user where appropriate.

Promotions and coupons

Promotional codes may be subject to expiry dates, usage limits, eligible plans, redemption limits, or additional conditions.

Promotions have no cash value and may not be combined unless explicitly stated otherwise.

Payments processed through Midtrans

Fineka may use Midtrans as a payment processing infrastructure provider.

Available payment methods may include methods provided or facilitated by Midtrans, banks, card issuers, e-wallet providers, virtual account providers, and related financial partners.

Certain transaction information may be processed by Midtrans, banks, card issuers, e-wallet providers, virtual account providers, or another payment channel selected by you.

Their processing may also be subject to their own terms and privacy practices.

Fineka will not ask you to send your banking PIN, OTP, banking password, or payment-service authentication credentials through Fineka support channels.

Payment status

Paid access will generally be activated once Fineka receives a valid successful payment confirmation.

• Success / Settlement / Capture: may be treated as successful depending on the characteristics of the payment method.
• Pending: payment is still awaiting completion and access may not yet be activated.
• Failed / Denied / Cancelled / Expired: payment is not considered successful and paid access does not have to be activated.

Payment status displayed by Fineka may require some time to update after the status changes on the relevant payment channel.

If your bank account, card, or payment balance has been debited but your Fineka access has not been updated, contact bantuan@fineka.id and provide the relevant payment reference.

Duplicate payments

Suspected duplicate payments may be verified against Fineka, Midtrans, and relevant payment-provider transaction records.

If a duplicate payment is confirmed, Fineka may make an appropriate adjustment, including a refund where applicable, subject to the payment provider's processing mechanism and applicable requirements.

Refunds and cancellation

Fineka is a digital service and access may be activated immediately after successful payment.

Unless required by law or expressly stated otherwise at purchase, successfully completed payments where digital access has already been activated are generally final.

Fineka may nevertheless review refund requests in circumstances including:

• a verified duplicate payment;
• successful payment where access was never activated and the issue could not be resolved;
• a suspected unauthorised transaction subject to payment-provider investigation;
• a verified Fineka transaction-system error;
• a transaction that must be reversed following the resolution of a payment dispute; or
• another circumstance required by law.

A change of mind, failure to use the service, failure to use particular features, or forgetting to use purchased access does not automatically create a right to a refund.

Refund requests may be submitted to bantuan@fineka.id .

Fineka may request transaction information reasonably required to verify the request.

Refund timing and method may depend on Midtrans, the relevant bank, card issuer, e-wallet provider, virtual account provider, or other payment channel.

Nothing in these Terms removes consumer rights that cannot lawfully be excluded under Indonesian law.

Changes and service availability

Fineka will use reasonable efforts to provide the service professionally but cannot guarantee uninterrupted, error-free, or continuously available operation.

Downtime may occur because of:

• maintenance;
• system upgrades;
• infrastructure changes or migrations;
• network failures;
• infrastructure-provider outages;
• third-party service outages;
• security incidents;
• events outside Fineka's reasonable control; or
• necessary technical changes.

Fineka may modify features, interfaces, infrastructure, technology, plans, or the way in which the service is delivered.

Material changes that significantly affect use of the service may be communicated through the website, application, email, or another appropriate channel.

Suspension and termination

Fineka may restrict, suspend, or terminate an account where there is a reasonable basis to do so, including:

• a breach of these Terms;
• fraud or abuse;
• attempts to compromise service security;
• use of Fineka for unlawful activity;
• attempts to obtain unauthorised access to systems or accounts;
• a chargeback or payment dispute being investigated;
• measures reasonably required to protect Fineka or its users;
• a security risk requiring temporary restriction; or
• a terms requirement.

Where reasonably possible and appropriate in the circumstances, Fineka may provide notice before or after a restriction is imposed.

Users may also request account closure using the mechanism provided by Fineka.

Deletion of information following account closure is governed by the Fineka Privacy Policy .

Intellectual property

Unless otherwise stated, Fineka's software, source code, design, interface, logo, name, illustrations, documentation, product copy, systems, databases, interface concepts, and other materials developed for Fineka are owned by PT Fineka Teknologi Nusantara or used under an applicable licence, permission, or other lawful right.

These Terms do not transfer ownership of Fineka's intellectual property to you.

Third-party trademarks, logos, technology, software, and materials remain the property of their respective owners.

The Fineka name and visual identity may not be used in a manner that suggests affiliation, endorsement, approval, or an official relationship without permission.

Third-party services

Fineka may depend on or integrate with third-party providers for certain parts of the service.

These providers may include:

• Midtrans and payment providers;
• banks, card issuers, e-wallet providers, and virtual account providers;
• Cloudflare;
• hosting and infrastructure providers;
• email or communication providers;
• Google Analytics;
• Microsoft Clarity;
• Meta; and
• other operational service providers.

Fineka does not control every aspect of third-party systems and cannot guarantee their uninterrupted availability.

Your use of certain third-party services may also be subject to the relevant provider's own terms and privacy practices.

Privacy

Personal data processing through Fineka is carried out by PT Fineka Teknologi Nusantara and is further described in the Fineka Privacy Policy .

By using Fineka, you understand that certain information must be processed to operate accounts, store records, provide features, process payments, maintain security, provide support, and comply with terms obligations.

The Privacy Policy relates to your use of Fineka and should be read together with these Terms.

Warranty and limitation of liability

Fineka uses reasonable efforts to provide the service professionally but does not guarantee that the service will always be error-free, uninterrupted, free from delays, continuously connected, or continuously available.

Fineka also does not guarantee that every calculation or insight will reflect your actual financial circumstances where information entered by the user is incomplete, inaccurate, or outdated.

To the extent permitted by law, Fineka is not responsible for losses caused by:

• inaccurate or incomplete information entered by the user;
• the user's financial or investment decisions;
• failure to protect account credentials;
• the user's device or network failures;
• third-party service outages;
• payment failures within third-party systems;
• use of Fineka contrary to these Terms; or
• events outside Fineka's reasonable control.

To the extent permitted by law, Fineka is not liable for indirect or consequential losses, loss of opportunity, or loss of profit that could not reasonably have been anticipated.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded under Indonesian law.

User responsibility

You are responsible for your use of your account and for losses arising from unlawful use of the service, account misuse, infringement of another party's rights, or breach of these Terms to the extent permitted by law.

Electronic communications

You agree that Fineka may deliver service-related communications electronically through email, the application, the website, or another available communication channel.

Operational communications may include:

• account verification;
• login or security information;
• payment status;
• access-expiry reminders;
• security information;
• material service changes;
• terms notices;
• notices regarding changes to these Terms or the Privacy Policy; and
• support information.

Marketing communications may be subject to separate consent or user preferences where required.

Governing law and disputes

These Terms, the relationship between you and PT Fineka Teknologi Nusantara, and your use of Fineka are governed by and interpreted in accordance with the laws of the Republic of Indonesia.

If a dispute arises, you and Fineka will first attempt to resolve it reasonably through communication, discussion, and amicable resolution.

You may first contact Fineka through bantuan@fineka.id to raise a complaint or dispute relating to the service.

Where no resolution can be reached, the dispute may be submitted to an appropriate dispute-resolution mechanism, forum, or court having jurisdiction under Indonesian law.

Changes to these Terms

Fineka may update these Terms to reflect changes to the service, features, business model, technology, payment methods, operational practices, or applicable law.

The latest revision date will appear at the top of this page.

Material changes may also be communicated through the website, application, email, or another appropriate channel.

Your continued use of Fineka after updated Terms become effective may constitute acceptance of those Terms to the extent permitted by applicable law.

Contact us

For questions regarding Fineka, accounts, transactions, payments, refunds, or these Terms, contact:

The Indonesian-language version of these Terms is the primary version. The English version is provided for convenience. If there is an inconsistency between the two versions, the Indonesian version will prevail to the extent permitted by applicable law.