User Agreement

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

This User Agreement governs the use of a Spensify account by each person who accesses the service. It is an agreement between you, as the user, and PT. United Teknologi Integrasi, as the provider of Spensify (“Provider”).

By creating an account, selecting an acceptance control, or using Spensify, you confirm that you have read, understood, and agreed to this User Agreement and the Terms and Conditions.

1. Eligibility and authority

You represent that:

• you have legal capacity or the necessary authority to enter into this Agreement;
• the information you provide is accurate, complete, and kept current;
• if you use Spensify for a company or organization, you are authorized to use the account under that organization’s policies; and
• your use of Spensify does not violate your employment obligations, internal policies, or applicable law.

2. Account security

You are responsible for:

• keeping your password and access information confidential;
• not sharing your account with another person;
• keeping your profile information accurate;
• promptly reporting suspected unauthorized access; and
• signing out from shared devices and reviewing active sessions regularly.

Actions performed through your account may be treated as your actions unless you have reported account misuse and can demonstrate the relevant circumstances.

3. Relationship with your organization

If your account is connected to a company or other organization (“Organization”):

• the Organization may configure access, roles, teams, Approval workflows, Budgets, and Disbursement policies;
• the Organization may view and manage business data created within its workspace;
• authorized personnel within the Organization may change or terminate your access; and
• the Organization is responsible for reimbursement, Approval, and payment decisions.

This Agreement does not replace an employment contract, expense policy, or other agreement between you and the Organization.

4. Expense records

You must ensure that every expense you create:

• relates to a legitimate transaction;
• has a genuine business purpose;
• accurately states the amount, date, vendor, category, and payment method;
• is supported by appropriate transaction evidence;
• is not submitted more than once; and
• complies with the Organization’s policies.

You must correct inaccurate information before posting it. A status, reference number, or record in Spensify does not by itself prove that a transaction has been approved or paid.

5. Smart Scan and automated results

Smart Scan assists with reading information from receipts and documents. Its results may be incomplete or inaccurate. You must review the vendor, date, items, tax, currency, amount, and other information before saving or posting an expense.

Use of Smart Scan does not transfer responsibility for data accuracy away from you or the Organization.

6. Approval, Budgets, and Disbursement

You may only grant Approval, change a Budget, create a batch, or record a Disbursement if you are authorized to do so.

You understand that:

• Approval decisions must be based on the available information and evidence;
• conflicts of interest must be disclosed to the Organization;
• Spensify helps record workflows and statuses but does not replace business review;
• a Paid status is a user-entered record and is not independent proof that a bank completed a transfer; and
• Spensify is not a bank, electronic wallet, or money transfer provider.

7. Prohibited use

You must not:

• enter false, misleading, or illegitimate information;
• upload documents you do not have the right to use;
• use another person’s account or misrepresent your identity;
• attempt to bypass access restrictions or Approval controls;
• use Spensify for fraud, money laundering, corruption, or other unlawful activity;
• interfere with the security or availability of the service; or
• copy, sell, or exploit the service without written permission.

8. Confidentiality and personal data

You may only enter personal data or confidential information that is necessary and that you have the right to process. You must follow the Organization’s policies when uploading receipts, payout account information, reports, or other documents.

The Provider and Organization may have different responsibilities for personal data. Data is processed according to each party’s role, lawful instructions, and applicable law.

9. Notifications and electronic records

You agree to receive service communications through the application or contact details connected to your account. Account records, Approval history, audit logs, and electronic confirmations may be used as evidence of activity in Spensify to the extent permitted by law.

10. Suspension and termination

The Provider or Organization may restrict, suspend, or terminate access if:

• there is suspected unauthorized use or a security risk;
• you violate this Agreement, Organization policy, or applicable law;
• access is no longer required; or
• action is needed to protect users, the Organization, or the service.

Account termination does not remove obligations already incurred or records that must be retained under law or a lawful policy.

11. Changes to this Agreement

This Agreement may be updated to reflect changes in the service, business practices, or law. Material changes will be communicated through reasonable means. If applicable law requires renewed consent, you will be asked to provide it before continuing to use the service.

12. Governing law

This Agreement is governed by the laws of the Republic of Indonesia. Disputes are handled under the Terms and Conditions.

13. Contact

Questions or reports regarding this User Agreement may be sent to:

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