These Terms of Service (“Terms”) form a binding agreement between you and Crumina (the “Service”, “we”, “us”, “our”), governing your access to and use of the Crumina personal‑finance application at crumina.tirtawijata.com. By signing in or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Service.
Crumina reads — in read‑only mode, and only with your consent — the bank, card, and statement emails in your Google account, and presents your balances, transactions, insights, budgets, savings goals, and trends in one place. The records and calculations in the Service are a mathematical aid for your orientation only. Crumina is not a bank, payment institution, broker, lender, or financial adviser; it does not hold or move funds and does not execute transactions.
You must be at least 18 years old (or the age of majority in your jurisdiction) and able to enter into a binding contract. By using the Service you represent that you meet these requirements.
You sign in using your Google account. You are responsible for safeguarding that account and for activity that occurs under your session. By connecting, you authorise Crumina to access the financial emails described in the Privacy Policy solely to provide the Service. You may withdraw that access at any time at myaccount.google.com/permissions.
You agree that you will not:
Crumina presents and analyses your own data; it does not provide investment, tax, legal, or other professional advice. All decisions you make are your own responsibility. Because figures are derived by automatically parsing emails and statements, they may be incomplete, delayed, mis‑categorised, or inaccurate — you must verify against your bank’s official statements before relying on them.
How we handle your information is described in our Privacy Policy, which forms part of these Terms. In short: your financial data belongs to you, Crumina does not store it on its servers, and we do not sell or share it for advertising. You are responsible for the accuracy of any information you enter manually.
Crumina relies on third parties to function, including Google (sign‑in and the Gmail API), your email and bank providers, a hosting provider, and a public exchange‑rate source. Crumina is independent and is not affiliated with, endorsed by, or sponsored by Google or any bank, card issuer, or financial institution; all names and marks belong to their respective owners. Your use of Google services is also governed by Google’s own terms, and Crumina’s use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.
The Crumina name, logo, design, and software are owned by the operator of the Service and are protected by applicable law. We grant you a limited, personal, non‑exclusive, non‑transferable, revocable licence to use the Service for your own personal use. No other rights are granted.
Crumina is currently provided free of charge. We do not process payments and do not charge subscription fees. If paid features are introduced in future, we will present clear terms and obtain your consent before any charge applies.
The Service is provided on an “as is” and “as available” basis. We do not guarantee that it will be uninterrupted, error‑free, secure, or accurate, or that defects will be corrected. We may modify, suspend, or discontinue all or part of the Service at any time — including where a third‑party provider changes (for example, Google’s API or a bank’s email format).
To the maximum extent permitted by law, Crumina and its operator disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non‑infringement. To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, or goodwill, or for any financial decision or loss arising from your reliance on figures shown by the Service. Where liability cannot lawfully be excluded, it is limited to the amount you have paid to use the Service (which, the Service being free, is zero). Nothing in these Terms limits liability that cannot be limited under applicable law, including mandatory consumer protections.
You agree to indemnify and hold harmless the operator of Crumina from any claim arising out of your misuse of the Service or your breach of these Terms, to the extent permitted by law.
You may stop using the Service and revoke its access at any time. We may suspend or terminate your access if you breach these Terms or where necessary to protect the Service or its users. Provisions that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, and governing law — will survive.
We may update these Terms from time to time. Material changes will be reflected by an updated “Last updated” date and, where appropriate, additional notice. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the Republic of Indonesia. We will first try to resolve any dispute amicably; failing that, disputes will be submitted to the competent courts of Indonesia, without prejudice to any mandatory consumer‑protection rights in your place of residence.
Questions about these Terms: privacy@tirtawijata.com.
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