Terms & Conditions

Acceptance of terms

By signing up for, trying, or using sigap.ai, you (the "User") confirm that you have read, understood, and agreed to these Terms & Conditions. If you do not agree, please do not use the service.

The sigap.ai service

sigap.ai is an AI-powered finance assistant named Temi, available on WhatsApp and Telegram. Temi helps you record transactions, build summaries, and send financial reports from the text messages, voice notes, receipt photos, and files you send.

The features available depend on your plan and may grow or change as the service develops.

Accounts and user obligations

You must provide accurate, up-to-date information when signing up and keep the devices and WhatsApp/Telegram accounts connected to the service secure.

You are responsible for all activity carried out through your account, including the accuracy of the transaction data you send.

The service is intended for users aged 18 or over, or who are otherwise legally competent under applicable law.

Plans, pricing, and payment

We offer a free trial and subscription plans — Books Personal, Books Solo, and Books Business — billed monthly or yearly. Pricing and features for each plan are listed on the homepage.

Subscription fees are billed in advance for the chosen period and are non-refundable for the current period, unless required by law.

We may change prices with prior notice; changes take effect from the next billing period. You will never be charged without your consent.

Prohibited use

You may not use the service for unlawful activities, including money laundering, fraud, or recording fictitious transactions.

You may not attempt to access our systems without authorization, disrupt the service, or misuse it to send spam or content that infringes the rights of others.

Data and privacy

The handling of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms & Conditions.

The transaction data you send remains yours. We process it only to run and improve the service.

Intellectual property

All trademarks, logos, designs, software, and content of the sigap.ai service, including the Temi character, belong to PT Kerja Lebih Pintar and are protected by law. You may not copy, modify, or distribute them without our written permission.

Limitation of liability

AI-generated output — including automatic records, categories, and reports — may contain errors. You remain responsible for checking its accuracy before relying on it for any decision.

sigap.ai is not a financial, investment, or tax advisor. Generated reports are for information only and do not replace professional advice.

To the extent permitted by law, we are not liable for indirect losses arising from use of the service, including disruptions to third-party services such as WhatsApp or Telegram.

Termination

You may cancel your subscription at any time; access remains active until the end of the paid period.

We may suspend or terminate your access if these Terms & Conditions are breached, with prior notice where possible.

Changes to these terms

We may update these Terms & Conditions from time to time. We will announce significant changes on the website or through your registered communication channel. By continuing to use the service after the changes take effect, you agree to the updated terms.

Governing law

These Terms & Conditions are governed by the laws of the Republic of Indonesia. Disputes will first be settled amicably; if no agreement is reached, they will be resolved through the competent courts in Indonesia.

Contact us

Questions about these Terms & Conditions can be sent to:

Email: halo@sigap.ai

Company: PT Kerja Lebih Pintar