Terms of Service
1. Parties and scope
These terms are an agreement between PT MEDIA CIPTA NETWORK (“we”) and the business or sole trader buying access to Finance CTO Assistant (“you”). The service is for business use only and is not offered to consumers. By paying or using the software you accept these terms; anyone accepting them on behalf of a business confirms they are authorised to do so.
2. What you buy
The right to use the software for one 31-day period, with the standard configuration included in your plan. Ownership and intellectual property remain with us; these terms transfer no ownership. Companies, users, questions and features per plan are as stated on the pricing page and your order. We may update and improve the software, but will not reduce the main features of your plan during a paid period. We may use your feedback and suggestions to improve the service, free of charge.
3. Period
Each period is 31 consecutive calendar days, starting on the day we complete setup and send your login. Setup time between payment and activation does not count. Access stops when the period ends; a new period starts the day after the last one ends, or on reactivation.
4. Prices and payment
Prices for each plan are as shown on the pricing page and your order, and include tax. You pay the full fee for the period at checkout. Each period gives 31 days of use, counted from the day your account is activated, and never renews automatically. Price changes apply only to new orders placed after the change, not to a period already paid for.
5. Delivery
Delivery is online: once setup is complete we send the login to the contact you provided. Standard setup usually completes within 3 to 5 working days of receiving data or read-only API access. Delays caused by data, access or cooperation you have not yet provided are not a breach on our part. Custom work beyond the standard configuration is quoted separately and starts only after your written approval.
6. Your responsibilities
The data and access you provide are lawfully obtained and you are entitled to let us process them; you keep logins secure and within the agreed users, and anything done with your logins counts as done by you; you don’t reverse-engineer, resell or rent the software, call it in automated bulk beyond normal business use, or use it for anything unlawful. You are responsible for claims and losses arising from a breach of this section, or from data you provide infringing anyone else’s rights.
7. Data
Your business data remains yours. We process it only to provide this service, as described in the Privacy Policy. The software uses read permission only and never writes, changes or deletes ERP records. The software is not a backup service; keep your own original data and books.
8. Nature of answers
Answers are calculated from your data and configured definitions, and state the period and sources used. Answers are generated by software and may be inaccurate or incomplete because of missing data, configuration or model limitations; check them yourself before making financial, tax, funding or business decisions. Tax-related answers are checks and analysis of your books, not tax advice or filing; legal-related answers are searches of documents you provide, not legal advice. The software never pays, transfers, posts, files or signs.
9. Availability
The software is provided as is. We make reasonable efforts to keep the service running, but do not promise it will be uninterrupted or error-free. Planned maintenance, and outages of networks, power, ERP, payment or other third-party services, are not a breach on our part.
10. Third-party products
The complimentary third-party AI subscription listed on the pricing page, and the ERP and other third-party products you use, are provided by their own providers under their own terms. Content you enter or keep in third-party products does not pass through this service; it is governed by the provider’s terms, and we are not responsible for third-party products.
11. Liability
To the extent permitted by law, we are not liable for indirect or consequential losses, including lost profit, revenue, goodwill, data or business opportunities. Our total liability for direct losses caused by us is limited to what you paid for the period in which the loss occurred. Decisions you make based on answers are your own. Liability that cannot be limited or excluded by law is not affected.
12. Suspension and termination
We may suspend or end the service if you breach section 6, a payment is reversed or charged back, your use puts the system at risk, or the law or a regulator requires it; in urgent cases we may suspend first and notify you afterwards. Fees already paid are not refunded when the service is suspended or ended because of your breach.
13. Refunds
After payment and before we send your login, you can request a full refund, including when setup can’t be completed for reasons on our side. Duplicate or incorrect charges are refunded.
Use starts on the day we send your login. From then, the fee for the current period is non-refundable, however much the software is used and whether or not the 31 days have run out. Custom work is non-refundable. If after activation the software can’t be used as described for your plan, we fix it.
To request a refund, email [email protected] with your order number, company name and reason; we reply within 2 working days and approved refunds go back through the original payment method. None of this limits your rights under applicable law or the payment provider’s rules.
14. Force majeure
Neither party is liable for failing or delaying to perform because of events beyond reasonable control, such as natural disasters, epidemics, war, government action, or power or network outages; we will tell you as soon as possible and restore the service.
15. Changes to these terms
We may update these terms; new versions are published on this website with their version. An update never takes effect against a period you have already paid for; buying or using the service after an update means you accept the new version.
16. Law, disputes and contact
These terms are governed by the laws of the Republic of Indonesia. Disputes are first resolved by negotiation; if that fails, they go to the competent Indonesian court for our registered office. If the Chinese and English versions differ, the Chinese version prevails. Questions or complaints: [email protected].