Terms & conditions

1. Who can use CuanKu

• You are at least 18 years old and legally able to enter into agreements.
• You use CuanKu for a lawful business, in your own name or in the name of a business you are entitled to represent.

2. The CuanKu service

CuanKu helps sellers record orders from chats, manage customers, products and stock, request and receive payments, and see how the business is doing. Features may be added, changed or stopped as we develop the product. If a change meaningfully reduces a service you have paid for, we tell you in advance.

3. Your account

• Give accurate details and keep them up to date.
• Register with your own phone number. Never share a verification code with anyone, including people claiming to be from CuanKu.
• You are responsible for all activity on your account. Contact us straight away if you see access you don't recognise.

4. Digital payments

• Payment links and QRIS are optional and processed by our payment partner, a payment service provider licensed by Bank Indonesia, through a payment account in your business's name.
• To turn them on you must pass the payment partner's verification and accept its terms.
• Payment funds are processed and held by the payment partner, not by CuanKu. CuanKu is not a bank and not a payment service provider.
• Transaction fees are announced before they apply to you.

5. Your responsibilities to buyers

You are the seller in every transaction with your customers. You are responsible for your products, prices, delivery, warranties, returns, taxes, business permits and consumer rights. You must also process your customers' data lawfully. CuanKu is not a party to sales between you and your customers.

6. Your data and automatic results

• The data you enter stays yours. You give us a limited permission to store and process it only to run the service.
• Reading orders from chats is assisted by an automated system and can be wrong. Always check an order before saving it; the decision is yours.

7. Plans and subscription fees

• There are no subscription fees yet. Plans and prices are announced before they apply, and we never charge you without your agreement.
• Subscriptions are paid in advance for the period you choose, with the period and renewal details shown before you pay.
• You can cancel at any time; access continues until the end of the period you paid for. Refunds follow the Refund Policy.

8. What's not allowed

• Selling or billing for goods or services that are illegal, including narcotics, weapons, gambling (including online gambling), illegal online lending, pornographic content, and counterfeit or stolen goods.
• Fraud, money laundering, terrorism financing, or pretending to be another person or business.
• Sending spam or unsolicited mass messages through CuanKu features.
• Using other people's data without a lawful basis.
• Reverse engineering, copying, disrupting or overloading CuanKu's systems, or scraping data without permission.

9. Suspension and termination

We may restrict or suspend accounts that break these Terms, put other users at risk, or on the order of a competent authority. Where possible, we tell you the reason first. You can stop and delete your account at any time from Settings.

10. Intellectual property

The CuanKu name, logo, app and website belong to PT CUANKU TEKNOLOGI INDONESIA. You may use them only to use the service, not to copy, resell or imitate them.

11. Limits of liability

• We work to keep CuanKu available and accurate, but the service is provided as is and can be interrupted, for example by maintenance or by problems with the internet, WhatsApp or the payment partner.
• We are not liable for indirect losses, such as lost profit, or for data you entered incorrectly.
• As far as the law allows, our total liability is at most the fees you paid us in the last 3 months or Rp1,000,000, whichever is higher.
• These limits don't apply to losses caused by our intent or gross negligence, and don't reduce your rights as a consumer under Law No. 8 of 1999 on Consumer Protection.

12. Indemnity

If your breach of these Terms or of the law leads to claims by others against us, you are responsible for the reasonable losses that result.

13. Force majeure

We are not liable for delays or failures caused by events beyond our reasonable control, such as natural disasters, epidemics, riots, national power or network outages, or government measures.

14. Changes to these Terms

We may change these Terms. For important changes, we tell you at least 14 days before they take effect, in the app or on WhatsApp. If you don't agree, you can stop using CuanKu before the change takes effect.

15. Governing law and disputes

These Terms are governed by the laws of the Republic of Indonesia. Any dispute is first settled by deliberation (musyawarah) within 30 days of one party notifying the other in writing. If no agreement is reached, the dispute is settled at the Bandung District Court (Pengadilan Negeri Bandung), without limiting your right as a consumer to go to the Consumer Dispute Settlement Agency (BPSK).

16. Language

These Terms are made in Indonesian and English. If the versions differ, the Indonesian version prevails.

17. Contact