Legal

01Definitions

“Source Data” means the transaction emails Cuanflow reads on your behalf. “Transaction Data” means the records Cuanflow creates from them. “Automated Processing” means the automatic extraction and categorisation of that data.

02Acceptance of Terms

By creating an account or using the Service, you confirm that you have read, understood and agree to these Terms and our Privacy Policy. If you do not agree, please do not use Cuanflow.

03The Service

Cuanflow is a personal finance tool that reads the transaction confirmation emails from your banks and e-wallets, then automatically records and categorises your spending. Cuanflow is an informational tool and does not provide financial, investment, tax or legal advice.

04Accounts & Eligibility

You must be at least 18 years old to use Cuanflow. You are responsible for providing accurate information, keeping your credentials secure, and for all activity under your account.

05Acceptable Use

Use Cuanflow only for lawful, personal financial management. You may not:

• misuse, disrupt or interfere with the Service;
• attempt unauthorised access or reverse-engineer the app;
• use it to process data you have no right to access.

06Email Access & Permissions

When you connect your inbox, you grant Cuanflow read-only access via Google’s official OAuth. Cuanflow reads only transaction-related emails to create your records and never sends email or changes your inbox. You can revoke access at any time from your Google account or by deleting your Cuanflow account.

07Paid Plans & Fees

Core tracking is free for up to 100 email-scanned transactions. Cuanflow Pro is offered as a monthly (Rp 39.000 / month) or yearly (Rp 399.000 / year) subscription that renews automatically until cancelled. You can cancel anytime, with access continuing until the end of the current billing period. We will give at least 30 days’ notice of any price change.

08Automated Processing & Accuracy

Automated extraction may not always be 100% accurate. You are responsible for reviewing your records, and Cuanflow is not liable for decisions made based on them. We may use aggregated, de-identified data to improve the Service.

09Intellectual Property

Cuanflow and its content, design and trademarks are owned by us or our licensors. These Terms do not grant you any right to our intellectual property except to use the Service as permitted.

10Third-Party Services

Cuanflow relies on third-party services such as Google and your banks. We are not responsible for third-party content or services, and your use of them is at your own risk and subject to their terms.

11Limitation of Liability

To the maximum extent permitted by law, Cuanflow is provided “as is” without warranties of any kind. We are not liable for indirect or consequential damages, and our total liability is limited to the amount you paid us in the 12 months before the claim.

12Termination

You may stop using Cuanflow and delete your account at any time. We may suspend or terminate access if you breach these Terms or use the Service unlawfully.

13Changes to These Terms

We may update these Terms from time to time. If changes are material, we will notify you in the app or by email. Continued use after changes take effect means you accept the updated Terms.

14Governing Law

These Terms are governed by the laws of the Republic of Indonesia. Disputes will first be resolved through good-faith negotiation; if unresolved within 30 days, they may be brought before the competent courts in Indonesia.

01Scope & Consent

This Policy applies to all data we collect through Cuanflow. By connecting your inbox, you give explicit consent for us to process your transaction data in order to provide the Service.

02Data We Collect

• Account data — your name and the email you use to sign in.
• Source data — transaction emails Cuanflow reads on your behalf (read-only).
• Transaction data — merchant, amount, date and category extracted from those emails.
• Technical & usage data — device information and how you use the app.

03How We Use Your Data

We use your data to record and categorise your spending; show your dashboard, budgets and analytics; send budget alerts; process subscriptions; provide support; keep Cuanflow secure; and improve the Service.

04Legal Basis

We process personal data based on your consent, performance of our contract with you, our legitimate interests in operating and improving Cuanflow, and compliance with legal obligations.

05Email & Gmail Access

Cuanflow connects to your inbox through Google’s official OAuth with read-only scope and accesses only transaction-related emails. We do not read, store or use unrelated emails. Our use of Google data complies with the Google API Services User Data Policy, including its Limited Use requirements.

06Sharing & Disclosure

We do not sell your data. We may share it with trusted service providers who process it on our behalf (such as hosting and payments), and with authorities when required by law. Providers are bound to protect your data.

07Data Security

Your data is encrypted in transit and at rest, and access is restricted. No method of transmission or storage is completely secure, but we use industry-standard measures to protect your information.

08Data Retention

We keep your data while your account is active or as needed to provide the Service and meet legal obligations. When you delete your account, we delete your personal data, except where retention is legally required.

09Your Rights

You have the right to access, correct, delete, restrict, export and object to the processing of your data, and to withdraw consent at any time. To exercise these rights, contact us — we aim to respond within 30 days.

10Children’s Data

Cuanflow is not intended for anyone under 18, and we do not knowingly collect data from children.

11Data Breach

If a data breach affects your personal data, we will notify the relevant authority and affected users without undue delay — within 72 hours where required.

12Cookies & Tracking

Our website uses minimal cookies and similar technologies for essential functionality, preferences and basic analytics. You can control cookies through your browser settings.

13Changes to This Policy

We may update this Policy from time to time. We will notify you of material changes, and continued use means you accept the updated Policy.