1. Definitions
In these Terms and Conditions:
"Finday", "we", "us", or "our" means PT MACRO SOLUSI NUSANATARA as the provider of the Finday platform.
"you" or "Customer" means the business entity, organization, or individual acting for business purposes that subscribes to, accesses, or uses the Services.
"Company" or "Tenant" means a company workspace in Finday containing Customer data, configurations, users, transactions, documents, reports, and business settings.
"Company Admin" means a user authorized to manage access, roles, configurations, modules, data, integrations, and other administrative actions within a Company.
"User" means any person who accesses the Services, including Company Admins, employees, finance staff, accountants, consultants, approvers, internal auditors, and other invited users.
"Services" means the Finday application, websites, dashboards, modules, APIs, AI features, document features, integrations, storage, reporting, and related services we provide from time to time.
"Customer Data" means data, documents, files, transactions, records, configurations, business information, financial information, employee information, customer or vendor information, and other content entered, uploaded, created, processed, or stored by or on behalf of the Customer through the Services.
"Personal Data" means any data relating to an identified or identifiable individual, as defined under applicable Indonesian personal data protection laws.
"AI Features" means artificial intelligence or machine learning features in Finday, including DocVision, Copilot, document extraction, transaction classification, journal suggestions, analytical suggestions, conversations, summaries, and other AI-assisted automation features.
"Third-Party Integrations" means connections or data exchanges between Finday and third-party services, including Jurnal, AI providers, cloud providers, authentication providers, email, storage, payment, banking, tax, or other services available through Finday.
"Fees" means subscription fees, module fees, usage fees, add-on fees, AI fees, storage fees, integration fees, taxes, or other charges applicable under a plan, invoice, order form, or commercial agreement.
2. Scope of Services
Finday is a B2B SaaS platform designed to support finance and business administration operations, including accounting, purchasing, sales, cash and bank workflows, tax, payroll, HR, inventory, documents, approvals, reporting, and AI features.
Finday is an operational and recordkeeping tool. It does not replace professional judgment, legal obligations, management responsibility, or the Customer's internal review processes.
We may add, modify, limit, discontinue, or update Service features from time to time, provided that we do so reasonably and in accordance with applicable law.
3. Business Use
The Services are intended for business use and are not intended for personal, household, or consumer use.
If you use the Services on behalf of a company or organization, you represent and warrant that you have authority to bind that company or organization to these Terms and Conditions.
4. Accounts, Companies, and User Access
The Customer is responsible for creating, managing, and using accounts within its Company.
Company Admins are responsible for:
- inviting and removing Users;
- assigning roles, permissions, and access rights;
- ensuring that Users receive only the access they need;
- revoking access for Users who are no longer authorized;
- managing business configurations, modules, approvals, and integrations;
- monitoring User activity within the limits available in the Services.
Any action taken through a User account within a Company may be treated as an authorized action of the Customer, unless unauthorized access is proven and was not caused by the negligence of the Customer or its Users.
The Customer is responsible for internal disputes concerning account ownership, admin authority, and access by employees, consultants, accountants, or other parties invited to the Company.
5. Account Security
Users must keep credentials, tokens, devices, authentication codes, and account access confidential.
Customers and Users must promptly notify Finday if they know or suspect unauthorized access, credential leakage, account misuse, or any other security incident.
We may require or implement security features, including multi-factor authentication, session limits, email verification, access restrictions, or other security measures.
No system can be guaranteed to be completely secure. The Customer is responsible for maintaining internal access controls, devices, networks, credentials, and organizational security practices.
We may suspend access if we reasonably determine that there is a security risk, misuse, legal violation, breach of these Terms, or risk to the Services, Customers, Users, or third parties.
6. Customer Data
The Customer retains all rights in Customer Data.
By using the Services, the Customer grants Finday a non-exclusive, worldwide, royalty-free, limited right to access, store, copy, process, transmit, display, analyze, back up, and use Customer Data as necessary to:
- provide and operate the Services;
- run accounting, tax, payroll, HR, inventory, and document workflows;
- generate reports, calculations, drafts, postings, approvals, and automations;
- operate AI Features according to Customer instructions or configurations;
- provide support, troubleshooting, maintenance, and security;
- comply with legal obligations;
- develop, improve, and secure the Services using anonymized or aggregated data, provided that such data does not identify any Customer or individual.
The Customer is responsible for the accuracy, completeness, legality, and right to use all Customer Data entered into the Services.
7. Personal Data and Privacy
Finday's processing of Personal Data is further governed by the Finday Privacy Policy and the Finday Data Processing Addendum where Finday processes Personal Data on behalf of the Customer.
The Customer represents that it has the legal basis, consent, notice, authority, or other processing basis required to enter, upload, store, and process Personal Data in Finday, including data relating to employees, customers, vendors, contractors, shareholders, payment recipients, and other third parties.
For Personal Data entered by the Customer about third parties, the Customer generally acts as the data controller, and Finday acts as a data processor or service provider, unless otherwise stated in the Privacy Policy or a written agreement.
8. Payroll, HR, Tax, and Financial Data
The Customer understands that the Services may process sensitive or high-risk data, including:
- bank account information;
- salary, benefits, deductions, payroll, THR, and payslip information;
- tax information and tax identification data;
- employee and HR data;
- leave, reimbursement, claim, or supporting documents;
- financial transaction data, invoices, bills, payments, allocations, and financial reports.
The Customer is responsible for ensuring that such processing complies with employment, tax, personal data protection, and other applicable laws and regulations.
9. Accounting, Tax, Payroll, and No Professional Advice
Finday is not a public accounting firm, tax consultant, legal advisor, payroll consultant, auditor, investment advisor, or financial advisor.
All features, reports, calculations, journals, recommendations, classifications, templates, mappings, reminders, automations, and other outputs of the Services are provided as operational tools.
The Customer is solely responsible for:
- determining its chart of accounts;
- determining accounting treatment;
- determining tax treatment;
- configuring payroll and HR settings;
- reviewing and approving transactions;
- ensuring the completeness of supporting documents;
- performing reconciliations;
- making filings, reports, payments, and legal compliance decisions;
- consulting authorized professionals where necessary.
Finday does not guarantee that any entry, report, tax treatment, payroll calculation, filing, or accounting conclusion is legally, fiscally, or professionally correct for the Customer's circumstances.
The Customer must not rely on Finday as the sole basis for legal, tax, payroll, audit, accounting, investment, or material business decisions.
10. Posted Records, Corrections, and Audit Trails
Certain Finday features may generate or process accounting records, journals, statuses, rollups, approvals, allocations, stock records, or reports that are interconnected.
The Customer understands that actions such as posting, approval, reversal, voiding, deletion, synchronization, import, export, period close, period reopening, revaluation, allocation, and correction may affect reports, audit trails, balances, payment statuses, inventory, tax, and other data.
To preserve record integrity, Finday may restrict direct changes to records that have been posted, approved, closed, or linked to audit trails. Corrections may need to be made through reversals, adjustments, correction entries, or other available workflows.
The Customer is responsible for ensuring that each such action has been reviewed and approved by an authorized person.
11. AI Features: DocVision, Copilot, and Human Review
Finday may provide AI Features, including DocVision for document extraction and Copilot for analysis, search, conversation, summaries, or operational suggestions.
AI Features are designed to assist in preparing drafts, classifications, extraction results, summaries, and suggestions. AI Features do not replace human review or professional judgment. The Customer is responsible for verifying all outputs before relying on them.
AI outputs may be incorrect, incomplete, inaccurate, biased, outdated, out of context, or inconsistent with the Customer's laws and internal policies.
Customers and Users must conduct human review before:
- posting journals;
- approving transactions;
- making payments;
- submitting reports;
- making tax filings;
- making payroll or HR decisions;
- relying on document extraction results;
- making business, legal, financial, or compliance decisions.
AI outputs marked as draft, low confidence, requiring review, or unverified must not be treated as final.
By using AI Features, the Customer understands that Customer Data, documents, prompts, instructions, metadata, company context, extraction results, transcripts, or related data may be processed by Finday and relevant AI technology providers as necessary to provide AI Features.
We may limit, suspend, change, or discontinue AI Features for reasons including security, usage cost, AI provider policies, legal compliance, misuse, or technological changes.
12. Third-Party Integrations
Finday may provide Third-Party Integrations, including integrations with Jurnal or other services.
By enabling an integration, the Customer authorizes Finday to access, read, import, export, create, update, synchronize, delete, or process data through that integration according to User actions, configurations, permissions, and integration scopes.
The Customer is responsible for:
- ensuring that it has the right to connect the third-party service;
- maintaining credentials, tokens, and integration authorizations;
- reviewing synchronization results;
- preventing duplication, mismatches, incorrect mapping, or inconsistent data;
- understanding third-party terms, fees, privacy policies, and limitations.
Finday is not responsible for third-party service interruptions, API changes, data handling practices, or actions authorized by the Customer through Third-Party Integrations.
13. File Uploads, Storage, and Documents
The Customer may upload documents, images, PDFs, attachments, transaction evidence, invoices, bills, contracts, payslips, or other files to the Services.
The Customer is responsible for ensuring that uploaded files:
- do not violate law;
- do not contain malware;
- do not infringe third-party rights;
- do not contain data that the Customer is not authorized to process;
- do not contain passwords, secret keys, private keys, CVV data, credentials, or other confidential information not intended to be stored in Finday.
We may limit file types, file sizes, storage quotas, retention periods, or file access based on the applicable plan, security policy, or operational needs.
14. Fees, Plans, and Payment
The Customer must pay Fees according to the applicable plan, invoice, order form, proposal, or commercial agreement.
Details of Fees, plans, billing periods, modules, usage limits, taxes, discounts, add-ons, or payment terms may be set out in separate commercial documents.
Unless otherwise stated in an order form, invoice, proposal, or written agreement, paid subscriptions automatically renew for the same billing period as the current term. The Customer may cancel automatic renewal before the end of the current term through the mechanism available in the Services or by written notice to Finday.
If a subscription automatically renews, the Customer must pay Fees for the renewal term according to the applicable plan, modules, usage limits, taxes, and prices in effect at renewal, unless otherwise agreed in writing.
Unless otherwise stated in writing:
- Fees exclude applicable taxes;
- payments must be made on time;
- late payment may result in Service restrictions or suspension;
- paid Fees are non-refundable except where required by law or agreed in writing;
- usage exceeding quotas may incur additional fees or restrictions;
- cancellation of automatic renewal does not remove the obligation to pay Fees already due or usage already incurred before the effective cancellation date.
Finday may change Fees or plans by giving at least 30 calendar days' notice before the change applies to the next billing period, except for changes caused by taxes, regulations, third-party costs, Customer-requested plan changes, quota overages, or misuse. For prepaid fixed-term subscriptions, price changes do not apply until the current term ends, unless otherwise agreed in writing or required by law.
15. Trials, Beta, and Experimental Features
We may provide trials, demos, beta features, previews, pilots, or experimental features.
These features may have limitations, change at any time, be unstable or incomplete, or be discontinued without compensation.
The Customer uses trial, beta, or experimental features at its own risk and must not rely on them for critical operations without independent validation.
16. Fair Use, Quotas, and Usage Restrictions
To maintain Service stability, we may apply usage limits, rate limits, storage quotas, AI quotas, document quotas, API limits, integration limits, or other restrictions.
We may limit or suspend usage that we reasonably determine is:
- excessive;
- disruptive to Service performance;
- unreasonably burdensome to infrastructure;
- creating a security risk;
- unlawful;
- in breach of these Terms;
- harmful to other Customers or third parties.
17. Prohibited Use
Customers and Users must not:
- use the Services for illegal acts, fraud, money laundering, embezzlement, document falsification, tax violations, or employment law violations;
- attempt to access unauthorized tenant, company, account, system, or network data;
- weaken, test without authorization, or bypass security controls;
- upload malware, ransomware, spyware, bots, worms, or malicious code;
- perform scraping, crawling, load testing, reverse engineering, or automated access without written permission;
- resell, lease, sublicense, or provide the Services to another party without permission;
- use the Services to build a competing product;
- enter data that infringes intellectual property rights or third-party privacy rights;
- misuse AI Features to create illegal, deceptive, harmful, or rights-infringing content;
- disrupt, harass, threaten, or abuse Finday staff, other Users, or third parties;
- store passwords, secret keys, tokens, credentials, CVV data, or other security data in free-text fields not designed for that purpose;
- use the Services in a manner that may harm Finday's reputation, security, or operations.
18. Availability, Maintenance, and Service Changes
We strive to provide reliable Services, but we do not guarantee that the Services will always be available, uninterrupted, error-free, or free from data loss.
The Services may be affected by maintenance, updates, internet disruptions, infrastructure failures, third-party outages, security incidents, force majeure events, or other circumstances beyond our reasonable control.
We may conduct scheduled or emergency maintenance. Where reasonable and practicable, we will provide notice for maintenance with material impact.
19. Backup, Export, Retention, and Data Deletion
The Customer is responsible for keeping copies, exports, or backups of Customer Data required for legal, audit, tax, accounting, payroll, and internal purposes.
Finday may provide export features according to Service capabilities and the applicable plan.
After a subscription ends or an account is closed, Customer access to the Services may be terminated or restricted. Unless the account is suspended or terminated for material breach, security risk, legal obligation, or misuse, Finday will use reasonable efforts to provide limited access or export assistance for 30 calendar days after the effective termination date so the Customer can retrieve Customer Data.
During the 30 calendar days after termination, Finday may retain tenant data for export, reactivation, billing resolution, security investigations, audits, or legal obligations. After that period, Finday may delete, anonymize, archive, or restrict Customer Data in accordance with the Privacy Policy, Finday Data Processing Addendum, retention policies, legal obligations, security needs, backups, audit trails, dispute resolution, or legitimate business interests.
Tenant deletion requests must be submitted by a Company Admin or a party that can reasonably be verified as authorized to represent the Customer. After receiving a valid request, Finday will use reasonable efforts to delete or anonymize Customer Data within 90 calendar days, unless the data remains necessary or permitted to be retained for legal, tax, accounting, payroll, security, audit, dispute, backup, or legitimate business purposes.
Backups are retained according to Finday's backup and disaster recovery cycles. Data included in backups may remain stored until the backup cycle expires, but will not be used for active operations unless needed for recovery, security, compliance, or legal obligations.
Deletion may be delayed or limited where retention is required or permitted for legal, tax, accounting, security, dispute, backup, or legitimate business purposes.
Certain data may not be immediately deleted where needed for:
- legal obligations;
- tax, payroll, accounting, or audit records;
- security;
- investigation of violations;
- dispute resolution;
- backups operating under retention cycles;
- transaction records or audit trails that must be preserved.
20. Intellectual Property Rights
Finday and its licensors retain all rights in the Services, software, designs, interfaces, workflows, documentation, models, templates, features, brands, logos, methodologies, code, systems, and technology used to provide the Services.
These Terms do not grant the Customer ownership rights in the Services or Finday technology.
The Customer receives only a limited, non-exclusive, non-transferable, revocable right to use the Services in accordance with these Terms and the applicable plan.
21. Feedback
If a Customer or User provides ideas, suggestions, comments, feature requests, or other feedback to Finday, we may use that feedback without compensation, attribution, or restriction, provided that we do not disclose confidential Customer Data.
22. Confidentiality
Each party may receive confidential information from the other party.
The receiving party must use confidential information only for purposes of performing these Terms and must protect it using reasonable safeguards.
Confidentiality obligations do not apply to information that:
- is publicly available without breach;
- was lawfully possessed before receipt;
- is lawfully obtained from a third party without confidentiality obligations;
- is independently developed;
- must be disclosed under law, judgment, regulator order, or legal process.
23. Legal Compliance
The Customer is responsible for using the Services in accordance with applicable laws and regulations, including accounting, tax, employment, personal data protection, anti-corruption, anti-fraud, sanctions, export-import, and relevant sectoral regulations.
The Customer must not use the Services where prohibited by applicable law or where such use would cause Finday to violate the law.
24. Suspension and Access Restrictions
We may suspend, restrict, or block access to all or part of the Services if:
- the Customer fails to pay Fees;
- there is a security risk;
- there is suspected legal violation;
- there is suspected breach of these Terms;
- usage disrupts the Services or other Customers;
- required by law, regulators, courts, or authorities;
- integrations, tokens, or credentials create risk;
- the Customer becomes insolvent, dissolved, or subject to a similar condition;
- necessary to prevent greater harm.
Where reasonable and practicable, we will provide notice before or after suspension.
25. Termination
The Customer may terminate a subscription through the mechanism available in the Services or in accordance with the applicable commercial agreement.
Finday may terminate or decline to renew the Services with reasonable notice, or immediately if the Customer:
- materially breaches these Terms;
- fails to pay Fees;
- uses the Services unlawfully;
- creates security or legal risk;
- misuses the Services;
- violates third-party rights;
- provides false or misleading information;
- becomes subject to sanctions, legal restrictions, or relevant authority orders.
After termination, the Customer's right to use the Services ends, but obligations that by their nature should survive will continue, including payment obligations, confidentiality, limitation of liability, intellectual property rights, and dispute resolution.
26. Customer Representations and Warranties
The Customer represents and warrants that:
- the Customer has authority to agree to these Terms;
- Customer Data does not violate law or third-party rights;
- the Customer has the legal basis required to process Personal Data;
- Users granted access have appropriate authority;
- use of the Services will comply with applicable law;
- configurations, mappings, approvals, postings, payroll, tax, and integrations will be reviewed by competent personnel.
27. Service Disclaimer
To the extent permitted by law, the Services are provided "as is" and "as available".
We do not warrant that:
- the Services will always be uninterrupted;
- the Services will be error-free;
- Service outputs will always be accurate, complete, or suitable for the Customer's needs;
- AI Features will always be correct or reliable;
- third-party integrations will always be available;
- Customer Data will never be lost, damaged, or delayed;
- the Services will satisfy all legal, tax, accounting, payroll, or industry obligations of the Customer.
Any Customer rights that cannot be excluded under applicable law remain unaffected.
28. Limitation of Liability
To the extent permitted by law, Finday is not liable for:
- loss of profits;
- loss of revenue;
- loss of business opportunities;
- loss of goodwill or reputation;
- data loss, damage, or delay;
- accounting, tax, payroll, or reporting errors caused by Customer data, configuration, or review;
- business decisions made based on Service outputs or AI Features;
- third-party integration failures;
- indirect, incidental, special, consequential, or punitive damages;
- third-party claims arising from Customer Data or Customer use of the Services.
To the extent permitted by law, Finday's total aggregate liability to the Customer for all claims arising from or relating to these Terms is limited to the Fees paid by the Customer to Finday during the 12 months before the event giving rise to the claim.
This limitation does not apply where prohibited by applicable law.
29. Indemnification
The Customer agrees to defend, indemnify, and hold harmless Finday, its affiliates, directors, employees, contractors, and service providers from claims, losses, penalties, costs, liabilities, and expenses arising from:
- Customer Data;
- use of the Services by the Customer or its Users;
- breach of these Terms;
- violation of law;
- violation of third-party rights;
- use of third-party integrations;
- decisions, filings, payments, payroll, tax, journals, or reports made by the Customer based on the Services.
30. Force Majeure
Finday is not responsible for failure or delay in performing obligations due to events beyond our reasonable control, including natural disasters, war, riots, pandemics, fire, flood, power outages, internet disruptions, cloud provider failures, cyberattacks, government actions, legal changes, third-party disruptions, or similar events.
31. Changes to Terms
We may update these Terms and Conditions from time to time.
If changes are material, we will use reasonable efforts to provide notice by email, in-app notice, website notice, or another reasonable method before or when the changes take effect.
Continued use of the Services after changes take effect means that the Customer accepts the updated Terms. If the Customer does not agree, the Customer must stop using the Services and may terminate the subscription in accordance with the applicable terms.
32. Notices
Notices to the Customer may be sent by account email, admin email, in-app notification, website notice, invoice, or other communication channel used by Finday.
Notices to Finday must be sent to:
Email: legal@helomacro.id
Address: Jl. Permata Regency, Jl. H. Kelik No. D/37, RT.1/RW.6, Srengseng, Kembangan, West Jakarta, Special Capital Region of Jakarta 11630, Indonesia
The Customer is responsible for ensuring that contact information in its account remains accurate and active.
33. Assignment
The Customer may not assign its rights or obligations under these Terms without Finday's written consent.
Finday may assign these Terms to an affiliate, successor, acquirer of Finday's business or assets, or another party in connection with restructuring, merger, acquisition, or corporate transaction, provided that such assignment does not materially reduce the Customer's rights under these Terms.
34. Severability
If any provision of these Terms is found invalid, ineffective, or unenforceable, that provision will be limited or removed to the extent necessary, and the remaining provisions will continue in full force and effect.
35. No Waiver
Finday's failure or delay in enforcing any right does not constitute a waiver of that right.
36. Entire Agreement
These Terms, together with the Privacy Policy, the Finday Data Processing Addendum where applicable, order forms, invoices, proposals, or related commercial documents, constitute the entire agreement between Finday and the Customer regarding use of the Services.
If there is a conflict between documents, the following order of priority applies unless otherwise stated in writing:
- signed order form or written agreement;
- Finday Data Processing Addendum;
- these Terms and Conditions;
- Privacy Policy;
- product documentation or supporting materials.
37. Language
These Terms are prepared in English for this public page. If an Indonesian version is made available and there is any difference in interpretation, the Indonesian version will prevail unless otherwise required by law.
38. Governing Law
These Terms are governed by and interpreted in accordance with the laws of the Republic of Indonesia.
39. Dispute Resolution
The parties will first seek to resolve disputes through good-faith consultation within 30 calendar days after one party receives written notice of the dispute.
If a dispute cannot be resolved through consultation, the parties agree that the West Jakarta District Court will have exclusive jurisdiction to hear and resolve disputes arising from or relating to these Terms, unless the parties agree in writing to another dispute resolution forum.
The Customer must continue to pay undisputed Fees during the dispute resolution process.
40. Contact
For questions about these Terms and Conditions, contact:
Finday Legal
PT MACRO SOLUSI NUSANATARA
Jl. Permata Regency, Jl. H. Kelik No. D/37, RT.1/RW.6, Srengseng, Kembangan, West Jakarta, Special Capital Region of Jakarta 11630, Indonesia
legal@helomacro.id