Terms of use

By accessing or using Ibils services, you agree to these terms. The privacy policy explains data processing. Purchase terms shown at payment form part of your purchase agreement.

You must be at least 13. Users below the age of adulthood must obtain parental or guardian consent where required by law, including for purchases. Provide accurate account information and protect your password. Report unauthorised access; you are not automatically responsible for events beyond your control.

Ibils helps you record and manage finances. It is not a bank and does not provide professional financial, investment, tax, or legal advice. Questionnaire results and financial scores depend on your answers; they are not credit assessments or guarantees of financial outcomes.

AI may misread amounts, categories, or intent. Review the records it creates and correct mistakes. Some commands can change records directly according to your request and settings; do not assume every action always waits for confirmation.

Only connect WhatsApp numbers you lawfully control. The connection allows messages, media, and relevant context to be processed for the features you use, as described in the privacy policy.

The binding price, currency, access period, AI limit, and payment terms are those shown before payment confirmation. Fixed-term plans, recurring subscriptions, and Lifetime differ; not every plan renews automatically.

Lifetime is a one-time purchase for access to that plan while the relevant Ibils service operates. It does not promise unlimited AI limit or perpetual free replenishment. The AI limit, WhatsApp access, and other benefits follow the offer you purchased. If the service materially ends, legally required notice and remedies still apply.

• Plans explicitly sold as recurring renew for the period and at the price disclosed before payment. Cancellation stops future billing; access for a paid period continues unless that payment is refunded or reversed.
• Manage web subscriptions through the "Manage subscription" page or support. For Apple and Google Play, use store subscription settings. Deleting the app does not cancel a subscription.
• Apple charges your store account on purchase confirmation; renewal may be charged within 24 hours before the period ends. Turn off renewal at least 24 hours beforehand. Google Play follows the schedule and terms shown by the store.
• If a trial converts to a paid subscription, its price and billing date must be shown before you agree. Cancel before the displayed deadline to avoid a charge. An unused Apple trial portion may be forfeited when you purchase a subscription.
• Price change notices follow provider rules and applicable law. Cancellation alone does not automatically grant a prorated refund, without limiting mandatory legal rights.

• Manage web subscription

A full refund for a web purchase can be requested within 30 calendar days of successful payment, only if your account has never used any AI limit.

This condition covers the entire account history, including usage before the purchase and usage of free, bonus, subscription, or extra AI limit. AI usage in the app and on WhatsApp counts. Replenishing the AI limit, buying another plan, or deleting conversations does not restore refund eligibility.

In-app purchases follow Apple or Google Play refund policies. Web conditions do not replace store decisions or mandatory consumer rights.

These conditions govern the voluntary Ibils refund policy. Mandatory consumer rights still apply, including remedies for duplicate charges, unauthorised payments, or failure to provide the service where required by law.

The refund terms agreed at payment apply to that purchase. This update does not retrospectively reduce rights attached to purchases made under earlier terms.

• Full conditions and how to request a refund

• Do not commit fraud, access someone else's data without permission, interfere with the service, or distribute unlawful content.
• Do not spam through WhatsApp, impersonate others, resell accounts without permission, or share credentials. Shared books must use the provided member access.
• Do not extract data or reconstruct the software without permission, except where protected by applicable law. Do not send PINs, one-time codes, or full card details in conversations.

Ibils trademarks, design, and software belong to us or our licensors. You retain rights to the data and content you provide. Your processing permission to Ibils is limited to service provision, security, support, and legal needs described in the privacy policy.

These terms do not grant a blanket licence to train AI models on your private financial content or conversations. Processing permission ends when the data is deleted, except for specific records lawfully retained.

We do not guarantee uninterrupted service or the accuracy of every AI output. To the extent permitted by law, liability for indirect loss is limited, and liability for direct loss is capped at fees you paid in the 12 months before the event.

These limits do not cover fraud, gross negligence, data incidents caused by Ibils, or liability that cannot legally be limited. You may only be held responsible for loss reasonably shown to result from your conduct, not errors by Ibils or others.

These terms do not remove consumer rights that cannot be waived by law. You may seek help from regulators, consumer dispute bodies, or a court with jurisdiction.

We may restrict access where needed for security, evidenced violations, or legal obligations. Restrictions should be proportionate. We will provide a reason and support channel where law and security needs allow. A completed refund may end access attached to that purchase.

Updates are published with their date. Material changes to purchase rights will be communicated before taking effect, with consent where legally required. New terms do not retrospectively reduce earlier purchase rights. Urgent legal or security changes may take effect sooner with an appropriate explanation.

These terms are governed by Indonesian law, without reducing mandatory consumer protections applicable to you. Contact us so we can address a problem. Direct resolution efforts do not prevent access to consumer bodies, regulators, or a court with jurisdiction.

Arbitration requires a valid agreement between the parties, not a unilateral Ibils choice. There is no mandatory 30-day wait before exercising legally protected complaint rights.

Ibils

Indonesia

• [email protected]
• Privacy policy
• Refund policy