Terms of Service

These Terms of Service (the "Terms") constitute a legally binding agreement between you ("you" or the "User") and Jason Pieter Kusumajaya, an individual sole trader of Jl Taman Ubud Asri I No. 15, Tangerang, Banten 15810, Indonesia, trading as Clove Ai ("Clove Ai", "we", "us" or "our"). They govern your access to and use of the Clove Ai website, web application, Android application (and iOS application once released), and all related services (together, the "Service").

By creating an account, or by otherwise accessing or using the Service, you confirm that you have read, understood and accepted these Terms and our Privacy Policy, which is incorporated into these Terms by reference. If you do not accept these Terms, you must not use the Service.

You must be at least 13 years of age, or the minimum age of digital consent in your country of residence if that age is higher, to create an account or use the Service. By using the Service you represent that you meet this requirement. If you are under 18 (or the age of majority where you live), you may use the Service only with the permission of your parent or legal guardian, who agrees to these Terms on your behalf and remains responsible for your use. We do not knowingly permit use of the Service by persons below the minimum age and will close any account we discover to belong to such a person.

You may not use the Service if you are prohibited from doing so under the laws of your country of residence, or if you are located in, or ordinarily resident in, a country or territory subject to comprehensive trade sanctions or embargoes, or are listed on any applicable sanctions list.

Clove Ai is a personal finance application that allows you to record expenses and income, set budgets, and view summaries and reports of your own financial records. Optional features powered by artificial intelligence ("AI Features"): natural-language entry, receipt scanning, AI chat and AI-generated insights, are available only after you have expressly enabled them in the Service.

The Service is an organisational tool only. It is not an accounting, bookkeeping, tax, legal, investment or financial advisory service, and nothing provided through the Service constitutes professional advice of any kind. Output generated by AI Features is automated, may be inaccurate or incomplete, and must be verified by you before you rely on it. You should consult a suitably qualified professional before making any financial, tax or legal decision.

AI Features are disabled by default. When you enable them, content you submit to an AI Feature (such as text you type or an image of a receipt) is transmitted to third-party AI model providers solely to generate the requested result, as described in the Privacy Policy. You may disable AI Features at any time in Settings; doing so stops any further transmission but cannot recall content already processed.

You are responsible for the content you submit to AI Features. You must not submit content that you do not have the right to share, or personal data of other persons without a lawful basis for doing so.

You must provide accurate and complete registration information and keep it current. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. You must notify us without delay at security@cloveai.app if you become aware of any unauthorised access to your account.

You may delete your account at any time from Settings; it asks for your password (and a second factor if you use one) and cannot be undone. Deleting your account does not cancel a subscription purchased through a Store (defined in Section 7); you must cancel it through the store as described in Section 7. It does stop a web auto-renew (if it cannot be stopped, the account is not deleted and you are asked to try again), and any web Pro time you had prepaid ends with the account.

The Service is offered under a free plan ("Basic") and a paid subscription plan ("Pro"). The features and usage allowances of each plan, including any daily limits on AI Features, are described on the Plans screen within the Service and on our website at the time of purchase. Manual entry of expenses and income is available on every plan.

The Pro plan is offered through the stores on monthly, 3-month, 6-month and yearly billing periods; the reference price of the monthly Pro plan is USD 5.99 per month. On the web it is offered for one month or one year, priced in Indonesian rupiah (currently IDR 99,000 per month and IDR 990,000 per year). The binding price, currency and billing period for your purchase are those displayed at checkout, by the Store or on the Xendit payment page, which may be converted to your local currency and include applicable taxes.

Where a free trial is offered, its duration and the date on which the first charge will occur are displayed by the store before you confirm the purchase. Unless you cancel before the trial ends, the subscription converts automatically into a paid subscription at the displayed price.

We may change prices or plan features upon not less than 30 days' prior notice by email or in-app notice. A price change takes effect at your next renewal following the notice period and never applies to a period for which you have already paid. Where the store requires your consent to a price increase, the subscription will not renew at the new price without it.

Pro can be bought in two ways. (1) On the web, from the Plan page when you are signed in, through our payment processor Xendit, in Indonesian rupiah. (2) As an in-app purchase through Google Play and, once an iOS app is released, the Apple App Store (each a "Store"), in a version of the app installed from that Store; no iOS app is available yet and an app installed from a downloaded APK file cannot buy through a Store. Either way, Pro is the same plan, and if you have both, you have Pro while either is active. The Store or Xendit processes your payment, holds your payment details and issues your receipt. We do not receive or store your card number, security code, e-wallet or banking credentials; we receive only a transaction identifier, the amount and your subscription status.

Web payment. You choose one month or one year and either (a) pay once, by QRIS, bank transfer, e-wallet, card or retail outlet as Xendit offers, which gives Pro until the end of that period and never renews by itself (we email you a reminder shortly before it ends), or (b) auto-renew on a card, which charges you now and then at the start of every period at the then-current web price until you cancel. Time you pay for is added to any time you have left. If an auto-renew charge fails, Xendit retries it for up to three further days; if it still fails the auto-renewal stops, Pro continues to the end of the period already paid for, and you can buy again. You can cancel auto-renew at any time on the Plan page; cancelling stops future charges and Pro stays on until the end of the period already paid.

STORE SUBSCRIPTIONS RENEW AUTOMATICALLY at the end of each billing period, for a period of the same length and at the then-current price, unless cancelled at least 24 hours before the end of the current period. Your Store account is charged for renewal within the 24 hours preceding the end of the current period. A one-time web payment does not renew.

You may cancel a Store subscription at any time in your Store account settings. For Google Play: Play Store › Payments & subscriptions › Subscriptions (https://play.google.com/store/account/subscriptions). Once an iOS app is released, for Apple: Settings › [your name] › Subscriptions (https://apps.apple.com/account/subscriptions). Cancellation stops future renewals; you retain access to Pro features until the end of the period already paid for. Uninstalling the application does not cancel a subscription.

If a renewal payment fails, the Store may retry the payment during a grace or account-hold period determined by the Store. If payment is not ultimately received, your account reverts to the Basic plan. Your data is retained, and the limits of the Basic plan apply.

Because the Store is the seller of record for in-app purchases, refund requests for those purchases must be submitted to the Store from which you made the purchase, under that Store's refund policy. For web payments we are the seller: email support@cloveai.app and we will review your request. If a payment is refunded, the associated Pro time is withdrawn.

If you are a consumer resident in the European Union, the European Economic Area or the United Kingdom, you have a statutory right to withdraw from a contract for digital content or digital services within 14 days of its conclusion. Because the Pro plan is supplied immediately upon purchase, the Store may ask you at checkout to request immediate performance and to acknowledge that you thereby lose the right of withdrawal once performance has begun, to the extent permitted by applicable law. Any withdrawal right that is not so waived is exercised through the Store. Our web checkout does not ask for that acknowledgement, so for a web payment the statutory right applies in full and you exercise it by emailing support@cloveai.app within 14 days.

Nothing in these Terms excludes or limits any refund, cancellation or withdrawal right that you have under the mandatory consumer protection law of your country of residence. If a Store declines a refund to which you consider yourself legally entitled, you may contact us at support@cloveai.app and we will review the matter.

You retain all rights in the data and content you submit to the Service ("User Content"). You grant us a non-exclusive, worldwide, royalty-free licence to host, store, process, transmit and display User Content solely to the extent necessary to provide, secure and maintain the Service for you and as described in the Privacy Policy. This licence ends when your User Content is deleted from the Service.

We do not sell User Content, and we do not use User Content to train general-purpose artificial intelligence models. You may export your records (self-service export is part of Pro; on Basic you can ask us for a copy) and delete your account at any time.

You must not: (a) use the Service for any unlawful purpose, including money laundering, terrorist financing or fraud; (b) record or process another person's personal or financial data without a lawful basis; (c) attempt to probe, scan or test the vulnerability of the Service, or breach or circumvent any security or authentication measure; (d) reverse-engineer, decompile or otherwise attempt to derive the source code of the Service, except to the extent that applicable law expressly permits this; (e) access the Service by automated means, or use it in a manner that imposes an unreasonable load on our infrastructure; (f) resell, sublicense or commercially exploit the Service; (g) attempt to circumvent usage limits or plan restrictions; or (h) upload malicious code or content that infringes the rights of any person.

We may suspend or restrict access to the Service, including to AI Features, where we reasonably believe that you are in breach of this Section.

The Service, including its software, design, text, graphics, logos and trade names, but excluding User Content, is owned by or licensed to us and is protected by intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable and revocable licence to use the Service for your own personal, non-commercial purposes. All rights not expressly granted are reserved.

If you send us feedback or suggestions, you grant us the right to use them without restriction or compensation.

The Service relies on third-party providers, including hosting and database providers, AI model providers, the payment processor Xendit, push notification services and the Stores. Their processing of personal data is described in the Privacy Policy. Your use of a Store is also governed by that Store's own terms. We are not responsible for services that we do not control.

We endeavour to keep the Service available but do not guarantee that it will be uninterrupted, timely or error-free. We may carry out scheduled maintenance with reasonable prior notice and emergency maintenance without notice. We may modify, add or withdraw features; where a change materially reduces the functionality of a paid plan during a period for which you have paid, you may cancel and, where required by law, receive a proportionate refund.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUTPUT GENERATED BY AI FEATURES WILL BE ACCURATE OR COMPLETE.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE, INCLUDING ANY DECISION MADE IN RELIANCE ON DATA DISPLAYED IN, OR OUTPUT GENERATED BY, THE SERVICE.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THE SERVICE IN ANY TWELVE-MONTH PERIOD SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU FOR THE SERVICE DURING THAT PERIOD AND (B) USD 50.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for gross negligence or wilful misconduct, or for any other liability that cannot be excluded or limited under applicable law. If you are a consumer, your rights under consumer protection law (including Indonesian Law No. 8 of 1999 on Consumer Protection and the mandatory law of your country of residence) are not affected by these Terms.

To the extent permitted by applicable law, you agree to indemnify us against any claims, losses and reasonable expenses, including legal fees, arising from your breach of these Terms or your unlawful use of the Service. This Section does not apply to consumers where such an indemnity is not enforceable under the law of their country of residence.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access with immediate effect in the event of a material breach of these Terms, fraud, unlawful use or a threat to the security of the Service, and otherwise upon 30 days' notice. Upon termination, your right to use the Service ends and your data is deleted in accordance with the Privacy Policy. Sections 9, 11 and 14 to 22 survive termination.

This section applies once an iOS app is released, if you obtain it from the Apple App Store: (a) these Terms are concluded between you and us only, and not with Apple Inc. ("Apple"); we, not Apple, are solely responsible for the application and its content; (b) your licence to use the application is limited to use on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions; (c) Apple has no obligation to provide any maintenance or support services for the application; (d) in the event of any failure of the application to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, of the application to you; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the application; (e) we, not Apple, are responsible for addressing any claims by you or any third party relating to the application, including product liability claims, claims that the application fails to conform to any legal or regulatory requirement, and claims arising under consumer protection, privacy or similar legislation; (f) in the event of any third-party claim that the application or your possession and use of it infringes that third party's intellectual property rights, we, not Apple, will be solely responsible for the investigation, defence, settlement and discharge of that claim; (g) you represent that you are not located in a country subject to a United States Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any United States Government list of prohibited or restricted parties; and (h) Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, Apple will have the right to enforce these Terms against you as a third-party beneficiary.

We may amend these Terms. We will give at least 30 days' notice of any material change by email or by prominent notice within the Service before it takes effect, and the date at the top of this page will be updated. If you do not accept an amendment, you must stop using the Service and cancel any subscription before the amendment takes effect. Your continued use of the Service after that date constitutes acceptance of the amended Terms.

These Terms are governed by the laws of the Republic of Indonesia, without regard to its conflict-of-law rules. Before commencing formal proceedings, you agree to notify us of the dispute at support@cloveai.app and to attempt in good faith to resolve it informally for a period of at least 30 days. Failing resolution, the dispute shall be submitted to the courts of Indonesia.

If you are a consumer, nothing in this Section deprives you of the protection of the mandatory provisions of the law of your country of residence, or of your right to bring proceedings in the courts of that country where that law so provides.

Entire agreement. These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and us concerning the Service and supersede any prior agreement on that subject.

Severability. If any provision of these Terms is held invalid or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect.

Assignment. You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations to a successor to the Service, provided that your rights under these Terms are not reduced.

No waiver. Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision.

Force majeure. We shall not be liable for any failure or delay in performance caused by events beyond our reasonable control.

Language. These Terms are made in English and in Indonesian (available at /terms/id), in accordance with Indonesian Law No. 24 of 2009 and Presidential Regulation No. 63 of 2019. For users in Indonesia, the Indonesian version prevails in the event of any inconsistency; for all other users, the English version prevails.

Feedback. If you send us feedback or suggestions about the Service, you grant us a non-exclusive, worldwide, royalty-free licence to use them without restriction and without any obligation to credit or pay you. Please do not send feedback that you consider confidential.

Electronic communications. By using the Service you agree that we may contact you electronically (by email or by notice within the Service), and that these communications satisfy any legal requirement that a notice be in writing.

Accessibility. We aim to make the Service usable by everyone, including people with disabilities, and to follow the Web Content Accessibility Guidelines (WCAG) 2.1 level AA. If you have difficulty using any part of it, tell us at support@cloveai.app and we will make reasonable efforts to help.

Jason Pieter Kusumajaya, trading as Clove Ai, Jl Taman Ubud Asri I No. 15, Tangerang, Banten 15810, Indonesia. Email: support@cloveai.app.