Terms of Service

Please read these Terms of Service ("Terms") carefully before using the https://bendahara.id website (the "Service") operated by Bendahara ("us", "we", or "our").

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all users who access or use our financial management platform.

Service Description

Bendahara is a SaaS platform designed to help organizations and community groups (including RT/RW) manage financial operations, including:

• Income and expense tracking
• Monthly contribution management
• Online payment processing (Virtual Accounts, GoPay, QRIS)
• Multi-user financial collaboration
• Real-time financial reporting

Account Responsibilities

As a financial management system, you agree to:

• Maintain accurate financial records
• Ensure proper authorization for all transactions
• Keep login credentials secure
• Comply with applicable financial regulations

Subscription Plans

We offer three subscription tiers:

Free Plan

• Basic financial tracking
• Manual contribution management
• Email support

Pro Plan

• Automated payment reminders
• Online payment integrations
• Advanced financial reports

Ultimate Plan

• Custom payment gateways
• Unlimited transactions
• Priority support

Financial Data

You retain ownership of all financial data entered into the Service. We act as a data processor and will:

• Store data securely with encryption
• Provide audit trails for all transactions
• Offer data export capabilities

Payment Processing

For online payments processed through our Service:

• We use PCI-DSS compliant processors
• Transaction fees may apply
• Refunds must be processed through original payment method

Audit Compliance

Organizations using Bendahara agree to:

• Maintain proper authorization records
• Retain financial documents per local regulations
• Provide access for authorized audits

Security Obligations

Given the financial nature of our Service, you must:

• Use strong passwords and 2FA
• Immediately report unauthorized access
• Maintain updated antivirus protection

Termination

Upon termination, you may export your financial data within 30 days. After this period, data may be permanently deleted from our servers.

Governing Law

These Terms shall be governed by the laws of the Republic of Indonesia, specifically relating to financial management systems and digital transactions.

Contact Us

For questions about these Terms, contact us at support@dragokreatif.com.