Terms and Conditions

• Effective date: July 31, 2026
• Last updated: July 31, 2026

These Terms and Conditions govern the provision and use of Spensify by PT. United Teknologi Integrasi (“Provider”). By accessing or using Spensify, each user and the organization that provides access to that user agrees to these Terms.

1. Definitions

• Spensify means the expense, Budget, Approval, Disbursement, and Reporting management service.
• User means a person who accesses Spensify.
• Organization means a company or other entity that owns or manages a Spensify workspace.
• Organization Content means data, documents, configurations, and records entered or created by Users in a workspace.
• Third-Party Service means a service outside the Provider’s control that is used with or connected to Spensify.

2. Scope of the service

Spensify helps Organizations:

• record and review expenses;
• manage teams, categories, payment methods, and currencies;
• configure Budgets and Approval workflows;
• prepare and record Disbursements;
• generate reports; and
• maintain activity history.

Available features may differ based on configuration, access rights, region, or the agreed service plan.

3. Workspace administration

The Organization is responsible for appointing authorized workspace administrators. Those administrators may invite Users, assign roles, configure permissions, and change workspace settings.

The Organization must:

• provide access according to business need;
• review access regularly;
• revoke access when it is no longer required;
• keep business configurations accurate; and
• ensure that use of the service complies with internal policies and applicable law.

The Provider may rely on instructions from persons recorded as having authority over the workspace.

4. User and Organization responsibilities

Users and Organizations are responsible for:

• the legality, accuracy, and completeness of Organization Content;
• having the right to upload and process documents;
• Approval, Budget, reimbursement, tax, accounting, and payment decisions;
• reviewing Smart Scan results and reports;
• securing devices and access information; and
• compliance with employment, tax, accounting, anti-corruption, and other applicable requirements.

Spensify is not a substitute for professional legal, tax, accounting, or financial advice.

5. Payment-service limitations

Spensify assists with preparing, exporting, and recording Disbursement activity. Unless expressly agreed in a separate written service:

• the Provider does not hold User or Organization funds;
• the Provider does not act as a bank, electronic wallet, or money transfer provider;
• the Provider does not guarantee that a payout account is accurate, active, or able to receive payment; and
• the Provider does not guarantee settlement by a financial institution.

The Organization must verify payment instructions and reconcile Spensify statuses against evidence from its financial institution.

6. Acceptable use

Users and Organizations must not:

• use the service for unlawful or fraudulent activity;
• introduce malicious code or interfere with the service;
• access data without authorization;
• test or bypass safeguards without written permission;
• extract data in bulk through methods that are not provided or approved;
• violate another party’s intellectual property or privacy rights; or
• assist another person in prohibited conduct.

The Provider may investigate suspected violations and take reasonable action to protect the service and affected parties.

7. Personal data and confidentiality

Each party must protect confidential information it receives and use it only for lawful purposes.

The Organization determines what data is entered into its workspace and must have a lawful basis to process it. The Provider processes data to provide, secure, support, and improve the service in accordance with the parties’ agreement and applicable law.

Data-subject rights, access requests, corrections, deletion, retention, and disclosures are handled according to each party’s role and applicable personal-data protection requirements.

8. Ownership

The Provider and its licensors retain all rights in Spensify, including its trademarks, interface, materials, and service developments. No rights transfer except the limited right to use the service under these Terms.

The Organization retains its rights in Organization Content. The Organization permits the Provider to use Organization Content to the extent necessary to provide, secure, maintain, and support the service.

The Provider may use feedback without payment obligations, provided it does not unlawfully disclose confidential information or personal data.

9. Third-Party Services

Certain features may depend on Third-Party Services. Use of those services may be subject to third-party terms. To the extent permitted by law, the Provider is not responsible for changes, interruptions, or actions of third parties outside its control.

10. Availability and service changes

The Provider works to keep the service available and secure but does not guarantee uninterrupted or error-free operation. Maintenance, emergencies, network disruption, or events outside reasonable control may affect availability.

The Provider may fix, add, change, or discontinue features. When reasonably possible, the Provider will notify the Organization of a change that materially reduces core functionality.

11. Suspension and termination

The Provider may suspend access when needed to:

• address a security risk;
• prevent loss or unlawful activity;
• respond to use that violates these Terms; or
• comply with a lawful authority.

When the service relationship ends, access may be terminated. Export and deletion of Organization Content are subject to the service agreement, retention policy, and applicable legal obligations.

12. Disclaimer of warranties

To the extent permitted by law, Spensify is provided on an as-available basis. The Provider does not warrant that Smart Scan results, exchange rates, reports, duplicate indicators, recommendations, or statuses will always be complete or accurate.

Users and Organizations must perform their own review before making business, financial, or payment decisions.

13. Limitation of liability

Nothing in these Terms limits liability that cannot lawfully be limited.

To the extent permitted by law, the Provider is not liable for indirect loss, lost profit, lost opportunity, or loss resulting from a User’s or Organization’s business decisions, third-party actions, inaccurate data, or use outside the service’s intended purpose.

Any additional liability limit agreed in a written contract between the Provider and Organization applies together with these Terms.

14. Indemnification

To the extent permitted by law, the Organization is responsible for third-party claims arising from Organization Content, the Organization’s violation of law, or use of the service in breach of these Terms, except to the extent caused by the Provider.

15. Force majeure

A party is not responsible for delay or failure caused by events outside its reasonable control, provided that it takes reasonable steps to reduce the impact.

16. Changes to these Terms

The Provider may update these Terms to reflect changes in the service, business practices, or law. Material changes will be communicated through reasonable means. Continued use after the effective date constitutes acceptance to the extent permitted by law.

17. Governing law and disputes

These Terms are governed by the laws of the Republic of Indonesia.

The parties will first attempt to resolve a dispute through good-faith consultation for 30 days after written notice. If no resolution is reached, the dispute will be submitted to the competent courts where the Provider is domiciled, unless applicable law requires a different forum.

18. General terms

If a provision is unenforceable, the remaining provisions continue in effect. Failure to enforce a right does not waive that right.

The Organization may not assign its rights or obligations without the Provider’s written consent, except in a restructuring that does not reduce another party’s protection. The Provider may assign these Terms as part of a restructuring or business transfer with reasonable notice.

These Terms, the User Agreement, and any other applicable written contract form the entire agreement regarding use of Spensify. If they conflict, a written contract between the Provider and Organization controls to the extent it addresses the same subject.

19. Contact

Questions, legal notices, or complaints may be sent to:

PT. United Teknologi Integrasi
Jl. Siantar No.18, Cideng, Gambir Jakarta Pusat, Jakarta
sales@spensify.ai