Terms & Conditions

1. Acceptance of these terms

By downloading, installing or using NoteFin, or by browsing this website, you agree to these Terms & Conditions and to our Privacy Policy. If you do not agree, please do not use the app or the website.

You confirm that you are legally able to enter into this agreement, and that you are at least 13 years old.

2. Licence to use the app

NoteFin grants you a personal, non-exclusive, non-transferable, revocable licence to install and use the app on devices that you own or control, for your own personal, non-commercial purposes, in accordance with the Google Play terms that apply to your download.

You may not copy, sell, rent, sublicense, redistribute, decompile, reverse engineer or attempt to extract the source code of the app, except where such an action is permitted by applicable law.

3. Acceptable use

You agree not to use NoteFin or this website to:

• break any applicable law or regulation;
• infringe the rights of any other person;
• attempt to interfere with, disrupt, overload or gain unauthorised access to the app, the website, or any connected service;
• use the app to record or transmit unlawful content, including that of third parties obtained without their knowledge where their consent is required;
• circumvent any paid feature, licence check or technical limitation of the app.

We may suspend access to services we operate if we reasonably believe this clause has been breached.

4. Your data and your responsibility

You own your data. The transactions, accounts, assets, budgets, debts and receivables you enter belong to you. We claim no ownership over them.

You are responsible for it. NoteFin stores your records on your device. You are responsible for creating and keeping backups, and for the consequences of losing the device, deleting the app, resetting it, or deleting records inside the app. Keep your exported backup files somewhere safe and accessible.

Check your numbers. NoteFin is a recording and reporting tool. It calculates based on what you enter. It cannot verify that the amounts, dates, categories or valuations entered are correct, and it does not connect to your bank automatically.

5. Pro plans, billing and refunds

• Pro features are optional. The core app remains usable without them.
• Subscriptions (monthly and annual) and one-time lifetime purchases are sold and billed by Google Play. Your purchase is also subject to Google Play’s terms, and we never receive your payment card details.
• Subscriptions renew automatically at the end of each period unless you cancel. Cancel through Google Play under “Payments & subscriptions”. Cancelling stops the renewal; access continues until the end of the paid period.
• A lifetime purchase is a single payment and does not renew.
• Prices are displayed in the app and are set per Google Play country and currency. We may change prices for future periods; changes never apply retroactively to a period already paid.
• Refunds are handled by Google Play under its refund policy. If you believe you were charged in error, contact us and we will help you resolve it with Google Play.
• Pro access may be verified against your Google account so that it can be restored on a new device. Using Restore purchases re-checks your entitlement.

6. AI features and no financial advice

AI features are optional and require you to connect your own provider account and API key. When you use them, the text you submit is sent to that provider, and their terms and privacy practices also apply.

AI output — suggested transactions, categorisations, summaries or answers about your reports — is generated automatically and may be incomplete or wrong. You must review anything the assistant proposes before saving it. You are responsible for the records you keep.

Nothing in NoteFin is financial, tax, accounting, legal or investment advice. The app does not provide recommendations about what to buy, sell, invest in or borrow. For advice about your situation, consult a qualified professional.

7. Third-party services

Some features rely on services operated by other companies, including Google Play Billing, Google Sign-In, Google Drive, Google AdMob, the AI provider you configure, and the speech recognition provided by your device. We do not control those services and are not responsible for their performance, availability or content. Your use of them is governed by their own terms.

8. Intellectual property

The NoteFin name, logo, app icon, interface design, artwork and source code are owned by their respective rights holder and are protected by applicable intellectual property laws. The music, icons or emoji shipped with your device remain the property of their owners. These terms grant you a licence to use the app, not ownership of it.

9. Disclaimer of warranties

NoteFin is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including but not limited to merchantability, fitness for a particular purpose, accuracy, and non-infringement.

We do not warrant that the app will be uninterrupted, error-free or free of harmful components, that defects will be corrected, or that the app will work with every device, Android version or configuration. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

10. Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of data, profits, savings, goodwill or business opportunity, arising out of or relating to your use of the app or the website, whether based on warranty, contract, tort, negligence or any other legal theory.

Where liability cannot be excluded, our total liability is limited to the amount you actually paid for the app or the Pro features in the twelve months preceding the claim. Nothing in these terms limits liability that cannot lawfully be limited.

You remain responsible for keeping your own backups. We are not liable for data loss that a backup would have prevented.

11. Availability, updates and termination

We may release updates, change or remove features, or discontinue the app or any of its connected features. We aim to keep the core app functional because it works offline. Where we discontinue something that depends on our own servers, we will make a reasonable effort to inform users through the app or the Play Store listing.

You may stop using the app at any time by uninstalling it. We may terminate this licence if you materially breach these terms. Sections concerning your data, intellectual property, warranties, liability and governing law survive termination.

12. Governing law and disputes

These terms are governed by the laws of the Republic of Indonesia, without regard to conflict-of-law rules. Before starting formal proceedings, both parties agree to attempt to resolve the dispute in good faith by contacting us at the email address below. Nothing here removes any consumer protection rights you have under the law of your country of residence, including rights you may have against Google Play for your purchase.

13. Changes to these terms

We may update these terms when the app or the law changes. The effective date and version at the top of this page will be updated accordingly. Continued use of the app after an update means you accept the revised terms. If you do not agree with a change, stop using the app.

14. Contact us

Questions about these terms, or about the app in general:

official.kapiten@gmail.com

You can also read our Privacy Policy.