Terms of Service

Welcome to Dkelola. These Terms of Service ("Terms") are a binding legal agreement between you ("you", "your", or "User") and PT Aivora Institute Indonesia, operating as Dkelola ("Dkelola", "we", "us", or "our").

By accessing, registering for, or using dkelola.com and any associated services (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms in full. If you do not agree to any provision of these Terms, you must not access or use the Service.

These Terms incorporate by reference our Privacy Policy and any additional terms applicable to specific features or promotions presented to you at the time of use.

1. Acceptance of Terms

You accept these Terms by (a) clicking "I agree" or a substantially similar acknowledgment during account registration, (b) accessing or using the Service, or (c) authorizing any individual to use the Service on your behalf. If you are accepting on behalf of a legal entity, you represent that you have authority to bind that entity to these Terms, in which case "you" refers to that entity.

2. Definitions

• "Account" means the registered profile associated with your access to the Service.
• "Business" means the commercial entity managed within your Account, including its associated data, configuration, and users.
• "Content" means any data, text, documents, images, files, or other materials you submit, upload, store, or transmit through the Service.
• "Subscription" means a paid plan granting access to the Service for a defined billing period.
• "Trial" means the time-limited free access period offered to new Users prior to a paid Subscription.
• "Owner" means the User with primary administrative authority over a Business.
• "Team Member" means any User invited to access a Business by its Owner, including managers, finance staff, and other roles.

3. Eligibility

• You must be at least 18 years old to register and use the Service.
• You must have the legal capacity to enter into binding contracts under the laws of the Republic of Indonesia.
• The Service is intended for use by businesses operating in compliance with Indonesian law. You may not use the Service if you are barred from receiving services under applicable law.
• You may not use the Service if you have been previously suspended or terminated by Dkelola, unless we expressly authorize your return in writing.

4. Account Registration and Security

4.1 Registration

To access the Service, you must register an Account by providing accurate, current, and complete information. Dkelola supports registration via Google Sign-In or email-and-password credentials issued by your Business Owner.

4.2 Account Security

You are solely responsible for safeguarding your credentials, including passwords, one-time codes, OAuth tokens, and any devices used to access the Service. You agree to:

• Maintain the confidentiality of your login credentials;
• Use a strong, unique password and enable any additional authentication mechanisms we offer;
• Notify us promptly at halo@dkelola.com if you suspect unauthorized access or any breach of security;
• Be fully responsible for all activities that occur under your Account, whether or not authorized by you.

4.3 One Account per User

Each Account is for a single individual. Sharing credentials with third parties, reselling Account access, or operating multiple Accounts to circumvent usage limits is prohibited.

5. The Service

Dkelola is a cloud-based business management platform designed for Indonesian Independent Businesses. The Service includes, without limitation:

• Income, expense, and cash flow recording;
• Receivables and payables tracking;
• Inventory, asset, and rental management;
• Employee records and payroll computation;
• Financial reporting and profit-and-loss statements;
• Multi-business and multi-user role-based access control;
• An artificial intelligence assistant ("AI Assistant") for data queries and guidance; and
• Data export to standard formats (Excel, PDF).

The Service is not a substitute for licensed professional advice. For decisions involving tax filings, statutory audits, capital structure, or other matters requiring certification, you must consult a qualified accountant, auditor, tax consultant, or legal professional. Dkelola does not provide and disclaims any professional accounting, tax, legal, or financial advice.

6. Free Trial

New Users may be offered a free trial period of thirty (30) days with full access to the Service. No payment information is required to begin the Trial.

At the end of the Trial period:

• Your Account will automatically transition to a free starter tier with limited functionality, unless you have elected to begin a paid Subscription;
• We will not automatically charge any payment instrument without your explicit consent to upgrade;
• Your data remains accessible in read-only or export form during a retention window described in Section 25.

We reserve the right to modify or discontinue Trial offerings at any time, with respect to new Users.

7. Subscription Plans and Billing

7.1 Plans and Pricing

Current paid plans include monthly and annual Subscription options. Pricing is disclosed on the subscription page and may be updated with notice as set forth in Section 20. Pricing displayed on the Service is exclusive of any applicable taxes unless otherwise stated.

7.2 Billing Cycle

Monthly Subscriptions are billed every thirty (30) days from the date of initial purchase. Annual Subscriptions are billed once per year from the date of initial purchase. Each Subscription auto- renews at the end of its current term unless cancelled in accordance with Section 9.

7.3 Taxes

You are responsible for paying all taxes, levies, duties, and similar government assessments (including value-added taxes and income tax withholdings) associated with your purchase of a Subscription, except for taxes based on Dkelola's net income.

7.4 Price Changes

We may modify Subscription pricing at any time. Price changes take effect at the start of your next billing cycle and will be communicated at least thirty (30) days in advance. Continued use of the Service after a price change constitutes acceptance of the new pricing.

8. Payment Processing

Payments are processed by third-party payment service providers, including Midtrans (a service of PT Midtrans Solusi Pembayaran). By submitting payment information through the Service, you authorize the relevant payment processor to charge your selected payment instrument for the applicable Subscription fees.

Your use of any payment processor is governed by the terms, privacy policy, and security practices of that processor in addition to these Terms. Dkelola does not store complete payment card numbers or full payment credentials on its own infrastructure.

Supported payment methods may include credit and debit cards (Visa, MasterCard, JCB, American Express), virtual accounts (BCA, Mandiri, BNI, BRI), QRIS, e-wallets (GoPay, OVO, DANA, ShopeePay), and convenience store payments (Indomaret, Alfamart). Available methods may change at any time without notice.

9. Cancellation, Refunds, and Termination by You

9.1 Cancellation

You may cancel your Subscription at any time from the Settings page within your Account. Cancellation takes effect at the end of your current billing period, and you will retain access to paid features until that date.

9.2 Refunds

Except as expressly required by applicable law, all Subscription fees are non-refundable. Refunds may be granted at our sole discretion in the following circumstances:

• A documented service outage exceeding seven (7) consecutive days caused by Dkelola; or
• Force majeure events that prevent us from delivering the Service for an extended period.

Refund requests must be submitted within thirty (30) days of the relevant event to halo@dkelola.com.

9.3 Termination by You

You may terminate your Account at any time by submitting a deletion request through the Settings page or by contacting support. Termination does not entitle you to a refund of pre-paid amounts unless Section 9.2 applies.

10. Data Backup and User Responsibility

While Dkelola endeavors to maintain the availability and integrity of your Content, you acknowledge and agree to the following critical provisions:

• Data loss is not the responsibility of Dkelola. Software bugs, technical disruptions, security incidents, third-party infrastructure failures, force majeure events, our own operational errors, or any other cause resulting in the loss, corruption, or unavailability of your Content fall outside the scope of our liability.
• No financial compensation for data loss. As an affordable platform designed for Independent Businesses, Dkelola does not maintain financial reserves to compensate for damages arising from data loss, service interruption, or related events. Claims for monetary damages on these grounds will be denied.
• Backup is your responsibility. Dkelola provides Export to Excel functionality in every major module — Income, Expense, Cash, Receivables and Payables, Inventory, Assets, Employees, Financial Reports, and others. You are required to perform regular backups (we recommend monthly at minimum) and store the exported files in locations you fully control: personal computer, your own Google Drive, external hard drive, or similar media outside of Dkelola.
• Internal backups are best-effort. We may operate server-side automated backups as an internal service for specific recovery scenarios, but these backups do not replace your obligation to maintain independent backups, and they are not a guarantee of recovery in all circumstances.
• If your data is lost and you do not possess a current independent backup, Dkelola cannot guarantee recovery, regardless of your Subscription tier.

By using the Service, you acknowledge that your business data is your asset, and that maintaining its availability through regular backups is your responsibility, not ours.

11. User Content and Data Ownership

You retain all ownership rights to Content you submit to the Service. Dkelola does not claim ownership of your Content. We act as a data processor on your behalf, not as a data controller of your Content.

You represent and warrant that:

• You own or have all necessary rights to submit your Content to the Service;
• Your Content does not infringe upon any third party's intellectual property, privacy, publicity, or other rights;
• Your Content complies with all applicable laws and regulations, including but not limited to UU ITE (Law No. 11/2008 as amended), UU PDP (Law No. 27/2022), and tax regulations.

12. License Grant to Dkelola

Solely for the purpose of operating and improving the Service, you grant Dkelola a worldwide, non-exclusive, royalty-free, sub-licensable (to our service providers under equivalent confidentiality obligations) license to access, store, process, transmit, display, and create derivative works of your Content. This license is limited to the activities reasonably required to provide the Service.

This license terminates automatically upon permanent deletion of your Account, subject to retention obligations under Section 25.

13. Intellectual Property of Dkelola

All rights, title, and interest in and to the Service, including the source code, design, trademarks, logos, copy, documentation, and the Dkelola brand, are and will remain the exclusive property of Dkelola and its licensors. These Terms do not grant you any right to use the Dkelola brand, trademarks, or service marks.

Feedback you provide regarding the Service may be used by Dkelola for any purpose, including product improvement, without obligation of compensation or attribution.

14. Acceptable Use Policy

You may use the Service to:

• Operate your Business in compliance with applicable laws;
• Invite Team Members and configure their permissions through the role-based access controls we provide;
• Export your Content in any format made available through the Service;
• Cancel your Subscription at any time in accordance with these Terms.

15. Prohibited Activities

You shall not, and shall not permit any third party to:

• Use the Service for any unlawful purpose, including money laundering, fraud, tax evasion, or any other activity violating Indonesian law;
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of any part of the Service, except to the extent expressly permitted by applicable law;
• Scrape, crawl, mirror, or otherwise systematically extract data from the Service;
• Probe, scan, or test the vulnerability of the Service, or breach any security or authentication measures;
• Transmit any malicious code, including viruses, worms, ransomware, rootkits, or other harmful software;
• Send unsolicited commercial communications (spam), phishing attempts, or other deceptive content through the Service;
• Collect, harvest, or process personal data of other Users without their explicit consent;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• Resell, sublicense, lease, time-share, or otherwise transfer Account access, except as expressly permitted herein;
• Use AI Assistant outputs or any other feature of the Service to plan, facilitate, or carry out any activity prohibited under these Terms or applicable law.

Violations may result in immediate suspension or termination of your Account, forfeiture of pre-paid Subscription fees, and report to competent authorities where required by law.

16. AI Assistant Disclaimer

Dkelola offers an AI Assistant feature powered by third-party large language model providers, currently Google Gemini. The set of providers may change over time without prior notice. You acknowledge and agree that:

• AI outputs are generated probabilistically and may be inaccurate, incomplete, misleading, or otherwise unsuitable for your purpose;
• AI outputs are not professional advice and must be independently verified before being used as the basis for any business, financial, legal, or tax decision;
• We do not warrant that any AI output will be free of error, bias, or factual inaccuracy;
• Queries you submit to AI Assistant may be processed by the underlying model providers in accordance with their respective terms and privacy policies;
• Dkelola is not liable for any loss, damage, or decision arising from your reliance on AI Assistant outputs.

17. Third-Party Services

The Service may integrate with or rely upon services operated by third parties, including but not limited to Google (authentication, AI), Midtrans (payments), Amazon Web Services (cloud infrastructure), and similar providers. Your use of those services is governed by their own terms and policies, which you should review independently.

Dkelola is not responsible for the availability, accuracy, content, privacy practices, or any consequence of your use of third-party services accessed through the Service.

18. Service Availability and Uptime

We strive to keep the Service available and operational, but we do not warrant uninterrupted availability. The Service may be temporarily unavailable due to scheduled maintenance, emergency repairs, software updates, infrastructure failures, attacks, or circumstances beyond our reasonable control.

We do not provide a contractual uptime service level agreement (SLA) for any tier of Subscription unless expressly stated in a separate written agreement with you.

19. Modifications to the Service

We reserve the right to modify, add, remove, or discontinue any feature, functionality, or component of the Service at any time in our sole discretion. Material changes that adversely affect core paid features will be communicated at least thirty (30) days in advance via email or in-app notification.

20. Modifications to These Terms

We may amend these Terms from time to time. The current version is identified by the "Last updated" date at the top of this page. Material changes will be communicated by email or prominent in-app notice at least thirty (30) days prior to the effective date, unless a shorter notice is required for legal, regulatory, or security reasons.

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and may cancel your Subscription in accordance with Section 9.

21. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. To the maximum extent permitted by applicable law, Dkelola disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
• Warranties that the Service will be uninterrupted, error-free, secure, or virus-free;
• Warranties regarding the accuracy, reliability, or completeness of any Content, AI output, or report generated by the Service;
• Warranties arising from a course of dealing or usage of trade.

Your use of the Service is at your sole risk.

22. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DKELOLA AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, consequential, exemplary, or punitive damages;
• Loss of profits, revenue, goodwill, business opportunity, anticipated savings, or commercial loss of any kind;
• Loss, corruption, or unavailability of data, including business records, transaction history, and Content;
• Damages resulting from business decisions made in reliance on Service output, AI Assistant responses, or generated reports;
• Damages caused by unauthorized access to your Account through credential compromise outside our infrastructure;
• Damages caused by malware, hacking by third parties, or internet disruptions beyond our reasonable control.

In any event, Dkelola's total aggregate liability arising out of or relating to the Service or these Terms, whether in contract, tort (including negligence), or otherwise, shall not exceed the total amount paid by you to Dkelola for the Service during the twelve (12) months immediately preceding the event giving rise to the claim, or one hundred thousand Indonesian Rupiah (IDR 100,000), whichever is greater.

This limitation applies whether or not Dkelola has been advised of the possibility of such damages, and notwithstanding the failure of essential purpose of any limited remedy.

23. Indemnification

You agree to defend, indemnify, and hold harmless Dkelola, its affiliates, and their respective officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your breach of these Terms;
• Your Content or your use of the Service;
• Your violation of any law or third-party right;
• Unauthorized use of your Account;
• Your reliance on AI Assistant output or any report or guidance generated by the Service.

24. Suspension and Termination by Dkelola

We may suspend or terminate your access to the Service, in whole or in part, with or without notice, if:

• You materially breach these Terms;
• Your Subscription fee is unpaid for more than thirty (30) days past its due date;
• We suspect your Account is involved in fraud, money laundering, unauthorized access, or other illegal activity;
• Continuing to provide the Service exposes us, our users, or any third party to legal or security risk;
• We are required to do so by a competent governmental authority or court order.

Where reasonably practicable and not prohibited by law, we will provide seven (7) days' advance notice of suspension or termination, except in cases of serious or urgent breach.

25. Effect of Termination

• Upon termination, your right to access the Service ceases immediately;
• We will retain your Content for a period of ninety (90) days following termination to facilitate reactivation. After that period, your Content may be permanently deleted unless you have requested earlier deletion or longer retention is required by applicable law;
• You may export your Content during the retention window by logging in (where applicable) and using the export tools provided in the Service;
• Pre-paid Subscription fees are non-refundable upon termination for cause attributable to you.

26. Confidentiality

Each party agrees to treat as confidential any non-public business, technical, or financial information disclosed by the other party in connection with these Terms ("Confidential Information"). Each party shall use Confidential Information solely to perform its obligations under these Terms and shall protect such information using the same care it uses to protect its own confidential information of similar importance, but in no event less than reasonable care.

Confidential Information does not include information that is or becomes generally available to the public through no breach of these Terms, was rightfully known prior to disclosure, or is independently developed without use of the disclosing party's Confidential Information.

27. Privacy

Our collection, use, and disclosure of personal data is described in our Privacy Policy, which is incorporated into and forms part of these Terms. Where the Privacy Policy conflicts with these Terms in respect of personal data handling, the Privacy Policy controls.

Dkelola complies with Law No. 27 of 2022 concerning Personal Data Protection (UU PDP) and Law No. 11 of 2008 concerning Electronic Information and Transactions (UU ITE), as amended.

28. Data Transfer

Your Content may be stored and processed on infrastructure located in or outside Indonesia, including in jurisdictions that may have different data protection laws than those of Indonesia. We implement reasonable safeguards consistent with UU PDP requirements to protect your data wherever it resides.

29. Force Majeure

Neither party shall be liable for any failure or delay in performing its obligations under these Terms (except for payment obligations) to the extent the failure or delay is caused by events beyond that party's reasonable control, including natural disasters, fire, flood, earthquakes, war, terrorism, civil unrest, pandemics, government action, nationwide internet infrastructure failures, large-scale power outages, or attacks by state actors.

30. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Indonesia, without reference to its conflict-of-laws principles.

31. Dispute Resolution

31.1 Good-Faith Negotiation

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the Service, the parties shall first attempt to resolve the matter through good-faith negotiation within thirty (30) days of written notice of the dispute.

31.2 Mediation

If negotiation does not resolve the dispute, the parties shall attempt mediation administered by the Indonesian National Board of Arbitration (Badan Arbitrase Nasional Indonesia, BANI) in Jakarta before resorting to formal proceedings.

31.3 Arbitration

If mediation does not resolve the dispute within sixty (60) days of the request to mediate, either party may submit the dispute to binding arbitration administered by BANI in accordance with its then-current rules. The arbitration shall be conducted in Jakarta, in the Indonesian language, by a single arbitrator (or by a panel of three arbitrators if the amount in controversy exceeds five hundred million Indonesian Rupiah, IDR 500,000,000). The arbitral award shall be final and binding upon the parties.

31.4 Court of Last Resort

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief from the District Court of South Jakarta (Pengadilan Negeri Jakarta Selatan) to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights, breach of confidentiality, or violation of these Terms.

32. No Class Actions

To the extent permitted by applicable law, you agree that any dispute resolution under Section 31 will be conducted on an individual basis only, and not on a class, consolidated, or representative basis. The arbitrator may not consolidate the claims of multiple parties and may not preside over any form of consolidated, representative, or class proceeding.

33. Notices

We will provide notice to you by email to the address associated with your Account, by in-product notification, or by posting on the Service. You will provide notice to us at halo@dkelola.com. Notices sent by email are deemed given when sent, and notices posted in the Service are deemed given when posted.

34. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall continue in full force and effect.

35. Entire Agreement

These Terms, together with the Privacy Policy and any policies or operating rules posted by us on the Service, constitute the entire agreement between you and Dkelola regarding the Service and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written, on the subject matter.

36. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. Dkelola may assign these Terms in whole or in part, including to an affiliate or a successor in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets.

37. Waiver

Failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other. No waiver of any term of these Terms shall be effective unless in writing and signed by an authorized representative of the waiving party.

38. Survival

Provisions of these Terms that by their nature should survive termination shall so survive, including without limitation Sections 10 (Data Backup and User Responsibility), 11 (User Content and Data Ownership), 13 (Intellectual Property), 21 (Disclaimer of Warranties), 22 (Limitation of Liability), 23 (Indemnification), 26 (Confidentiality), 30 (Governing Law), and 31 (Dispute Resolution).

39. Electronic Communications Consent

You consent to receive electronic communications from us, including emails, in-product messages, and transactional notifications. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

40. Contact Information

For questions, requests, or notices regarding these Terms, please contact us at:

Email: halo@dkelola.com
Subject line: [Terms] – [Topic]
Operating entity: PT Aivora Institute Indonesia
Jurisdiction: Republic of Indonesia

By using Dkelola, you acknowledge that you have read, understood, and agreed to these Terms of Service in their entirety.