Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Frugio mobile application ("the App" or "Frugio") and any related services we provide. By installing, accessing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, you must not install or use the App.

1. The Service

Frugio is a personal expense and budgeting application. The free tier enables users to record transactions, create accounts and envelopes, and review spending activity. Frugio Pro provides additional features as described on the in-app upgrade screen.

2. Your Data

All content you create within the App — including transactions, accounts, envelopes, notes, and receipt images — is stored locally on your device. You retain ownership of this content at all times. We do not have access to it. Our handling of any information you provide is further described in our Privacy Policy.

Because your data is stored only on your device, you are responsible for maintaining your own backups. If your device is lost, reset, or the App is uninstalled, the data may be unrecoverable.

3. Frugio Pro Purchases

Frugio Pro is available for purchase through the Google Play Store in the following options:

• Monthly subscription — renews automatically each month.
• Annual subscription — renews automatically each year.
• Lifetime — a one-time payment granting access to Pro features for the operational lifetime of the App.

Subscriptions renew automatically at the end of each billing cycle unless cancelled at least twenty-four (24) hours before the renewal date. You may manage or cancel subscriptions at any time through your Google Play account settings.

3.1 Refunds

All in-app purchases are processed by the Google Play Store and are subject to Google Play's refund policy. Refund requests should be submitted to Google Play in the first instance via Google Play Help . If Google Play is unable to resolve the request, you may contact us at hariantara.iputu@gmail.com.

3.2 Lifetime Purchases

The term "Lifetime" refers to the operational lifetime of the App. We reserve the right to discontinue the App or any specific feature at our discretion; however, we will not unilaterally remove Pro entitlements from Lifetime purchasers while the App remains in active operation.

3.3 Price Changes

Prices may change from time to time. Existing subscriptions continue at their original price until the next renewal, at which point the Google Play Store will notify you of any change in price before charging.

4. Acceptable Use

You agree not to:

• Reverse-engineer, decompile, or otherwise attempt to derive the source code of the App, except where such activity is expressly permitted by applicable law.
• Use the App to track or facilitate any unlawful activity.
• Circumvent the Pro paywall or otherwise obtain Pro entitlements through means we have not authorised.
• Use the App in a manner that infringes the rights of any third party.

5. Intellectual Property

The App, including its name, logo, design, source code, and all related materials, is owned by us and protected by applicable intellectual property laws. These Terms grant you a limited, non-exclusive, non-transferable, revocable licence to use the App for your personal, non-commercial purposes. No other rights are granted.

6. Disclaimer of Warranties

The App is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, statutory, or otherwise. Frugio is a personal-finance tool and does not constitute financial, tax, accounting, legal, or investment advice. You are solely responsible for the accuracy of the data you record and for any decisions made on the basis of that data.

7. Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or in connection with your use of the App, including but not limited to loss of data, loss of profits, or business interruption, whether based on warranty, contract, tort (including negligence), or any other legal theory, and whether or not we have been advised of the possibility of such damages.

Our aggregate liability under these Terms shall not exceed the amount you paid to us in the twelve (12) months preceding the event giving rise to the claim.

8. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your breach of these Terms or your misuse of the App.

9. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page and, for material changes, also note the update in the App's release notes. Your continued use of the App after such changes take effect constitutes your acceptance of the revised Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Indonesia, without regard to its conflict-of-laws principles. Any dispute arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the competent courts of the Republic of Indonesia.

11. Contact

For any questions regarding these Terms, please contact us at hariantara.iputu@gmail.com.