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Terms of Service

Last updated: October 15, 2026

1. About These Terms

These Terms of Service (“Terms”) govern your use of the catetin.ai website, mobile and desktop apps, web app, and connected services, including the AI features and the MCP integration with AI assistants such as ChatGPT and Claude (together, the “Service”).

The Service is operated by Tim Syaap-Syaap, based in Indonesia (“we”, “us”, or “our”). By creating an account or using the Service, you agree to these Terms and our Privacy Policy.

2. Eligibility and Accounts

  • • You must be at least 13 years old to use the Service. If you are under 18, you may use it only with the consent and supervision of a parent or legal guardian.
  • • Provide accurate account information and keep your sign-in credentials secure. You are responsible for activity under your account, including activity by AI assistants you connect to it.
  • • Use only the accounts and groups you are authorized to access. Do not impersonate others, bypass access controls, or access another user’s records without permission.

3. Financial Records

catetin.ai helps you record and organize financial information. It does not hold funds, transfer money between bank accounts, or execute payments.

You are responsible for checking that your records are complete and accurate. Summaries, charts, and insights are for tracking and general information only and are not financial, investment, tax, or legal advice.

4. AI Features

The Service includes AI features, including the chat assistant, receipt scanning, voice notes, transaction suggestions, summaries, and insights. They are processed by third-party AI providers (currently OpenAI, Google Gemini, and Groq) as described in our Privacy Policy. Do not submit content you do not want processed for these features.

  • • AI output is generated automatically and can be inaccurate, incomplete, or out of date. Review amounts, categories, dates, currencies, and the selected group before you rely on a result or save a transaction.
  • • You are responsible for decisions you make based on AI output. AI output is not financial, investment, tax, or legal advice.
  • • Do not use the AI features to create unlawful, harmful, or misleading content, to obtain another user’s data, or to bypass the Service’s permissions or limits, including through prompt injection.
  • • If an AI response is inappropriate, harmful, or wrong, report it with the report option where it is available in the app, or email info@catetin.ai with the conversation details. We may review reported content to improve the Service and to enforce these Terms.
  • • AI models, providers, and features may change or be temporarily unavailable. Each AI chat message uses chat quota; a receipt scan or voice note also uses its own quota, as described in section 9.

5. AI Assistant Integration (MCP)

The MCP integration is optional. It lets AI assistants you use, such as ChatGPT (by OpenAI) and Claude (by Anthropic), access your catetin.ai account on your behalf.

  • • You connect an assistant by signing in to catetin.ai with Google or Apple and approving the requested permissions, which can include reading your groups, transactions, summaries, and subscription usage, changing transactions, and saving conversations to a group. Review the permissions before you approve them.
  • • Information that the assistant reads from catetin.ai is shared with that assistant’s provider and is handled under the provider’s own terms and privacy policy. We are not responsible for the assistant, its output, or how its provider handles your data.
  • • Transaction additions, edits, and deletions made through the integration are prepared as drafts. Review the preview and confirm explicitly; a change is applied only once the Service reports that it was applied. Unconfirmed drafts expire.
  • • Reading data and confirming transaction changes through the integration do not use quota. Saving a conversation to a group uses chat quota, and saving a receipt photo or voice note also uses receipt scan or voice note quota.
  • • You can disconnect an assistant at any time from its connector settings. Access granted to an assistant expires unless it is renewed. We may limit, suspend, or revoke an assistant’s access to protect your account, other users, or the Service.
  • • The MCP tools can report subscription usage and quota, but they cannot buy subscriptions or top-ups or charge any payment method.

6. Shared Groups and Synchronized Conversations

Records and conversations in a group are visible to members of that group according to their role. Invite only people you trust and share only information you are allowed to share.

The MCP integration can save your prompt and the assistant’s response into a selected group conversation when you or your connected assistant use the sync feature. Do not synchronize passwords, secrets, or information you lack permission to share.

A group uses its owner’s plan and quota. AI features used by any member of a group, including through a connected assistant, use the group owner’s quota.

You can delete transactions and conversations you are permitted to manage within the app.

7. Your Content

You keep ownership of the content you submit, including transactions, notes, photos, audio, and messages.

You grant us a limited, non-exclusive permission to store, process, and display your content only as needed to provide, secure, and improve the features you use, as described in our Privacy Policy. We do not sell your personal data.

You are responsible for making sure you have the right to submit your content.

8. Plans and Subscriptions

8.1 Plans

  • • The Service offers a Free plan and paid Premium and Pro plans. Each plan’s features and limits, such as AI chat quota, receipt scans, voice notes, exports, categories, groups, and members, are shown in the app and on our pricing page and may change over time.
  • • A group uses its owner’s plan. Only the group owner can buy a subscription for the group.

8.2 Purchases and billing

  • • Subscriptions are sold only through the Apple App Store (iOS), the Mac App Store (macOS), and Google Play (Android). They cannot be bought in the web app or the Windows or Linux apps, but an active subscription applies to your catetin.ai account on every platform you sign in to.
  • • The store that processes your purchase shows the price, currency, billing period, and taxes before you buy. Prices can differ by country and store and may change; the store will tell you about a price increase to an active subscription as its rules require.
  • • Payments, billing, and refunds are handled by the store under its policies, subject to applicable law. We cannot issue refunds or cancel store purchases on your behalf.
  • • If a free trial or introductory offer is available, its terms are shown by the store. Any unused part of a free trial ends when you buy a subscription, where the store applies this.

8.3 Renewal, cancellation, and expiry

  • • Subscriptions renew automatically at the end of each billing period unless you turn off auto-renewal in your store account settings before the renewal date (for Apple, at least 24 hours before the end of the current period).
  • • If a renewal payment fails, the store may give a grace period; your plan stays active during it.
  • • When a paid plan ends, your account moves to the Free plan. Your records are not deleted, but the Free plan’s features and limits apply, which may restrict some actions until you upgrade again.
  • • Deleting your account does not cancel a store subscription. Cancel it in your store account settings.

8.4 Store terms

  • • If you buy through Apple, Apple’s Standard End User License Agreement (https://www.apple.com/legal/internet-services/itunes/dev/stdeula/) also applies to the iOS and macOS apps. Purchases through Google Play are also subject to Google Play’s terms. These Terms govern the Service.

9. Usage Quota and Top-Ups

9.1 Plan quota

  • • AI chat messages, receipt scans, voice notes, and exports use quota. Each AI chat message uses 1 chat; a receipt scan uses 1 chat and 1 receipt scan; a voice note uses 1 chat and 1 voice note; an export uses 1 export.
  • • The Free plan’s quota renews every month. A paid plan’s quota renews each billing period, and unused paid quota carries into the next period while the subscription stays active. Plan quota can be used only while the plan is active, including any store grace period.

9.2 Quota top-ups

  • • Quota top-ups are one-time purchases of extra quota, sold through the same stores as subscriptions. The amounts in each pack are shown before purchase.
  • • Top-up quota belongs to the account that bought it, is shared across all groups that account owns, and does not expire while the account exists.
  • • Plan quota is used first; top-up quota is used after it, starting with the oldest pack.
  • • Top-ups add quota only. They do not change your plan, unlock plan-only features, or extend a subscription.
  • • Top-ups have no cash value and cannot be transferred, exchanged, or withdrawn. If the store refunds or cancels a top-up purchase, the unused quota from that pack is removed.

9.3 Changes and account deletion

  • • We may change quota amounts for future billing periods and new purchases. Top-ups you already bought keep their amounts.
  • • Remaining plan quota and top-up quota are not refundable through us and are lost when you delete your account, except where the law or the store’s refund policy requires otherwise.

10. Acceptable Use

You agree not to:

  • • Use the Service for unlawful activity, fraud, money laundering, or harassment.
  • • Upload malware or content that infringes the rights of others.
  • • Attempt unauthorized access, scraping, reverse engineering, or disruption of the Service.
  • • Circumvent permissions, quotas, or usage limits, or resell the Service without our permission.
  • • Use automated or excessive requests, including through an AI assistant, in a way that disrupts the Service or other users.
  • • Manipulate the AI features or a connected assistant to access data you are not allowed to access or to act outside the permissions you approved.

11. Third-Party Services

The Service relies on third parties, including AI providers (OpenAI, Google, and Groq), AI assistants you connect (such as ChatGPT by OpenAI and Claude by Anthropic), sign-in providers (Google and Apple), app stores and our purchase processor (Apple, Google Play, and RevenueCat), and cloud infrastructure. Their services are governed by their own terms and privacy policies, and we are not responsible for them. Features and integrations may change or become unavailable when a third-party service changes.

12. Suspension, Termination, and Account Deletion

You can stop using the Service at any time and delete your account via Settings > Edit Profile > Delete Account.

We may suspend or terminate access, including access by a connected assistant, if you seriously or repeatedly breach these Terms, create risk or legal exposure for us or other users, or where required by law. Where reasonable, we will notify you in advance and give you a chance to respond. You can contest a decision by contacting info@catetin.ai.

When an account is deleted, personal data is handled as described in our Privacy Policy, including data in shared groups and limited backups. Store subscriptions must be cancelled separately in your store account.

13. Disclaimers and Limitation of Liability

We work to keep the Service reliable and secure, but it is provided “as is” and “as available”. We do not guarantee that the Service will be uninterrupted or error-free, that AI output will always be accurate, or that third-party AI assistants will always work with the Service.

To the extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages, or for loss of profits or data, arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the amount you paid for the Service in the 12 months before the claim.

Nothing in these Terms limits your rights under mandatory consumer protection laws, or any liability that cannot be limited by law.

14. Changes to the Service or These Terms

We may update the Service, its plans, quotas, and features, and these Terms from time to time. Changes will be posted on this page with a new “Last updated” date. For material changes, we may also notify you in the app or by email before they take effect. Changes to plans and prices do not affect a billing period you have already paid for.

By continuing to use the Service after changes take effect, you accept the updated Terms. If you do not agree, stop using the Service and delete your account; subscriptions can be cancelled through your app store.

15. Governing Law and Language

These Terms are governed by the laws of the Republic of Indonesia. Disputes will first be resolved amicably by contacting us; if unresolved within 30 days, they will be settled by the competent courts of Indonesia, without affecting mandatory consumer protections in your country of residence.

These Terms are available in several languages. If translations conflict, the Indonesian version prevails.

16. Contact Us

If you have questions about these Terms, contact us:

  • • Email: info@catetin.ai
  • • Privacy: privacy@catetin.ai
  • • Website: https://catetin.ai
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