Terms and Conditions

1. Acceptance of Terms

By using the Service, you confirm that you are at least 18 years of age, or that you have the legal capacity to enter into these Terms on behalf of yourself or an organization you represent. Puncak Hartajaya reserves the right to refuse access to the Service to any person at its discretion.

2. Description of Service

Puncak Hartajaya provides tools and resources related to adaptive data analysis and risk calibration intended to support long-term household financial planning. The Service is provided for informational and planning purposes only and does not constitute financial, investment, tax, or legal advice. Decisions made based on information or outputs from the Service are made at your own discretion and risk.

3. No Professional Advice

Nothing provided through the Service should be construed as a recommendation to buy, sell, or hold any financial instrument, nor as a substitute for consultation with a qualified financial advisor, accountant, or legal professional. Puncak Hartajaya makes no representation as to the accuracy, completeness, or suitability of any analysis, projection, or output for your particular circumstances.

4. User Accounts

If the Service requires you to create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify Puncak Hartajaya promptly of any unauthorized use of your account. Puncak Hartajaya is not liable for any loss arising from your failure to safeguard your account information.

5. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law or regulation;
• Reverse-engineer, decompile, or attempt to extract the source code of any part of the Service;
• Interfere with or disrupt the integrity or performance of the Service;
• Upload or transmit any content that is unlawful, defamatory, or infringes the rights of any third party;
• Attempt to gain unauthorized access to the Service, related systems, or networks.

6. Intellectual Property

All content, software, design elements, trademarks, and materials made available through the Service are the property of Puncak Hartajaya or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted by these Terms, you may not copy, modify, distribute, or create derivative works from any part of the Service without prior written consent.

7. Subscription and Payment

Where the Service includes paid features or subscription plans, applicable fees, billing cycles, and cancellation terms will be presented to you at the point of purchase. Unless otherwise stated, fees are non-refundable. Puncak Hartajaya reserves the right to modify pricing with reasonable advance notice.

8. Third-Party Services and Links

The Service may contain links to third-party websites or integrate with third-party services. Puncak Hartajaya does not control and is not responsible for the content, policies, or practices of any third party. Your use of third-party services is governed by their own terms and policies.

9. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Puncak Hartajaya does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Puncak Hartajaya shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or financial outcomes, arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Puncak Hartajaya, its affiliates, and personnel from any claims, liabilities, damages, losses, and expenses arising out of your use of the Service or your violation of these Terms.

12. Termination

Puncak Hartajaya may suspend or terminate your access to the Service at any time, with or without cause or notice, including for conduct believed to violate these Terms or be harmful to other users, Puncak Hartajaya, or third parties. You may discontinue use of the Service at any time.

13. Changes to the Service and Terms

Puncak Hartajaya reserves the right to modify, suspend, or discontinue any part of the Service at any time. We may also revise these Terms periodically. Material changes will be reflected by updating the "Last updated" date below. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Puncak Hartajaya operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, unless otherwise required by mandatory law.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact

For questions regarding these Terms, please reach out via the contact details provided on our Contact page.

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