Terms of Service

1. About these terms

These terms are an agreement between you and PT. Degresh Teknologi Dinamis ("Degresh" or "we"). They apply to the Degresh Finance app and to the finance.degresh.site website (together, the "service"). You can reach us at hello@degresh.com.

The Privacy Policy, How we use your data, the Cookie notice and, for business customers, the Data processing agreement apply alongside these terms. If you register on behalf of an organisation, "you" means that organisation.

2. Who may use the service

• You are at least 18 years old and legally able to enter into an agreement.
• If you register on behalf of an organisation, you have the authority to bind it to these terms.
• During early access, accounts are opened by invitation. We may refuse or postpone a registration.

3. Accounts and spaces

One account represents one person. Give accurate details, keep your password and two-factor codes safe, and tell us promptly if you suspect someone else is using your account. You are responsible for activity that happens through your account.

A space is a separate ledger with its own members. The space's Owner and Admins choose who is invited and which role each person gets. The account holder who owns a space is responsible for the members they invite: that they follow these terms, and that the account holder has the right to enter other people's data (for example staff, clients or suppliers) into that space. Every member still uses their own account and is bound by these terms.

4. Acceptable use

You may not use the service to:

• carry out unlawful activity, including money laundering, terrorist financing or fraud;
• store data you have no right to process;
• upload files that contain malicious software;
• try to access spaces, accounts or systems that are not yours, or test for security weaknesses without our written permission;
• put excessive load on the service, or work around it with automation beyond reasonable use;
• resell or rent out access to the service without a written agreement with us.

5. Your data belongs to you

Everything you enter or upload to the service — accounts, journals, budgets, plans, attachments and the reports you generate — remains yours. We gain no ownership of any of it.

You give us a limited permission to store, process and display that data, only as far as needed to run the service for you and your space members. We do not use your bookkeeping data or files to build features, train any model, share them or sell them. The details are on the How we use your data page.

For business customers, the Data processing agreement governs how we process personal data in your spaces on your behalf.

6. Early access

Degresh Finance is currently in early access. During this period the service is provided "as is" and "as available", without any warranty, express or implied, including about availability, fitness for a particular purpose or freedom from errors.

Features may change, be added or be removed. If we remove a feature that holds your data, we tell you in advance where we can, so you have time to export it. We recommend exporting your reports regularly.

7. Fees

If you are on a paid plan, the fees, billing period and payment method are those in the offer or invoice you agreed to. We do not charge you without your agreement, and we tell you about price changes before they apply to the next billing period.

8. Suspension and freezing

We may suspend or freeze access to an account or space in these cases:

• fees that are due remain unpaid after we have sent a reminder;
• a breach of these terms or abuse of the service, including anything that endangers other users or our systems;
• a lawful order from a court or an authorised government agency.

While suspended or frozen:

• access to the account or space is blocked, fully or in part;
• the data and files are kept intact and we do not change them;
• we may hold off deleting that space or account until the freeze is lifted.

We tell you the reason and how to resolve it, unless the law or the order forbids us to. Once the reason is resolved, access is restored. For orders from authorities, we hand over only the data the order lawfully requires.

9. Export, leaving and deletion

You can export your data at any time: reports to PDF and Excel, journal lines and the account list to CSV, and every attachment can be downloaded. Exported reports are also kept in your space's report archive.

To leave, a space's owner can delete the space in the app, or you can ask us to close your account at hello@degresh.com. Once the request is confirmed, we delete the data from live systems within 30 days, and copies in backups are kept for a limited period for recovery and then overwritten. The exception is records the law requires us to keep: bookkeeping records and the security and audit log are kept for as long as Indonesian law requires (for bookkeeping, 10 years under the tax rules), used only for security, legal duties and resolving disputes, and then deleted.

Before deleting a business space, mind your own record-keeping duties. Indonesian law requires books and their supporting documents to be kept for 10 years. Keep your exports before you delete; once deleted, the data cannot be recovered.

10. Intellectual property

The Degresh Finance software, design and brand belong to Degresh. While you use the service under these terms, you get a non-exclusive, non-transferable right to use it. We may use feedback and suggestions you send to improve the service, with no obligation to you.

11. Limits of liability

Degresh Finance is a record-keeping tool. You remain responsible for your bookkeeping, tax returns and financial decisions. The service is not financial, tax or accounting advice. Exchange rates come from a third-party provider and may be late or wrong; check them before relying on them for anything important.

As far as the law allows, we are not liable for indirect loss, loss of profit or loss of business opportunity. Our total liability is limited to the amount you paid us for the service in the 12 months before the claim arose.

Nothing in these terms limits liability that cannot be limited by law, including liability for wilful misconduct or gross negligence, and our obligations under Law No. 27 of 2022 on Personal Data Protection.

12. Governing law and disputes

These terms are governed by the laws of the Republic of Indonesia. Disputes are first settled by discussion within 30 days of one party notifying the other in writing. If no agreement is reached, the dispute goes to the district court with jurisdiction over our registered address.

These terms are written in Indonesian and English. If the two differ, the Indonesian version prevails.

13. Changes to these terms

Every change is published on this page with a new version number and effective date, and earlier versions stay available to read.

Important changes — ones that change your rights or obligations — are announced by email and in the app at least 14 days before they take effect. Once they do, the app asks you to accept the new version before you continue. If you don't agree, you can export your data and stop using the service. Minor changes, such as fixing typos or clarifying wording without changing its meaning, take effect when published.