1. Acceptance
These Terms of Service (“Terms”) are an agreement between you and Astakara (“Astakara”, “we”, “us”). They apply when you use astakara.id, our free tools, our paid digital products, and our services on Facebook, Instagram, WhatsApp, Messenger and any Meta app we operate (together, the “Services”). By using the Services you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Services.
2. Our services
- Content: articles, insights and guidance for founders and business owners.
- Free tools: the Founder Check-Up, Business Check-Up and Simple Financial Model, which run in your browser.
- Paid digital products: downloadable templates and tools, such as the Financial Projection Template.
- Conversations: answering your questions by email and through our Facebook Page, Instagram account, WhatsApp and Messenger.
We may change, add or stop any part of the Services at any time. If we stop selling a product you have already paid for, we will still deliver it.
3. Not professional advice
Our content, check-up results and templates are general educational information to help you think through business decisions. They are not legal, tax, accounting, investment or financial advice, and they do not create a consulting or fiduciary relationship. Results depend on the information you enter and on assumptions that may not fit your situation. Before acting on important decisions, consult a qualified professional who knows your circumstances.
4. Who may use the services
You must be at least 18 years old, or have the consent of a parent or guardian, and be able to enter into a binding agreement. If you use the Services for a company, you confirm that you are authorised to accept these Terms on its behalf.
5. Services on Meta platforms
When you reach us through Facebook, Instagram, WhatsApp or Messenger, or connect to our Meta app, you also remain subject to Meta’s terms and policies. Meta is not a party to these Terms and is not responsible for our Services. We access only the data you allow, and use it as described in our Privacy Policy. You can remove our app’s access in your Facebook settings at any time and request deletion of your data on our User Data Deletion page.
6. Orders & payment
- Prices are shown in Indonesian Rupiah (IDR) on the product page and include any applicable taxes unless stated otherwise.
- When you place an order you receive an invoice with the bank account details and the exact amount to transfer, which includes a 3-digit unique code that identifies your payment. Please transfer the exact amount.
- An order is confirmed only after we have verified your payment. You can upload your transfer receipt to speed this up.
- Unpaid orders may be cancelled automatically after the period shown on your invoice.
- You are responsible for any fees charged by your bank. We may refuse or cancel an order in case of a pricing error or suspected fraud; if you have already paid, we will refund you in full.
7. Delivery & downloads
After your payment is verified we email you a download link. For security the link can be used once and expires after a limited number of days. Please save the file as soon as you download it. If your link has expired or the download failed, contact us with your order number and we will send a new one.
8. Refunds
Because our products are digital files delivered immediately, all sales are final once the download link has been issued. We will, however, give a full refund or a replacement if:
- you paid twice for the same order, or paid more than the invoice amount (we refund the difference);
- the file is defective and we cannot fix it within a reasonable time;
- we fail to deliver your download link within 7 days after verifying your payment.
Refunds are paid by bank transfer to the account you specify. This does not limit any rights you have under Indonesian consumer protection law.
9. Licence to use products
When you buy a product, we grant you a personal, non-exclusive, non-transferable licence to use and edit it for your own business or for the businesses you advise. You may not resell, sublicense, share publicly, or redistribute the product or a modified version of it, or offer it as a template or product of your own.
10. Intellectual property
The Services, including text, articles, tools, templates, designs, logos and the Astakara name, are owned by Astakara or its licensors and are protected by copyright and other laws. You may share links to our pages and quote short excerpts with attribution. Any other use requires our written permission. Anything you send us remains yours; you allow us to use it only to provide the Services to you.
11. Acceptable use
You agree not to:
- break the law, or infringe the rights of others, while using the Services;
- upload false payment proofs, impersonate someone, or provide false information;
- attempt to access accounts, data or systems you are not authorised to access, or test our security without permission;
- interfere with the Services, including by sending malware, spam or excessive automated requests;
- copy, scrape or resell our content or products except as allowed by these Terms;
- send abusive, harassing or unlawful messages to us through any channel.
12. Third-party services
The Services rely on, and may link to, services we do not control, such as Meta platforms, banks, email providers and external websites. Their own terms and privacy policies apply, and we are not responsible for their content or availability.
13. Disclaimer
We work hard to keep the Services accurate and available, but we provide them “as is” and “as available”. To the extent permitted by law, we do not guarantee that the Services will be uninterrupted or error-free, or that any content, tool or template will achieve a particular business result.
14. Limitation of liability
To the extent permitted by law, Astakara is not liable for indirect or consequential losses, such as lost profits, revenue, data or business opportunities, arising from your use of the Services or your reliance on their content. Our total liability for any claim relating to a product is limited to the amount you paid for that product. Nothing in these Terms limits liability that cannot be limited under Indonesian law.
15. Indemnity
You agree to compensate Astakara for reasonable losses and costs arising from your breach of these Terms or your misuse of the Services.
16. Suspension & termination
We may suspend or end your access to the Services, or cancel a pending order, if you breach these Terms or use the Services in a way that could harm us, other users or third parties. You may stop using the Services at any time and ask us to delete your data. Sections 9 to 15 and 17 continue to apply after termination.
17. Governing law
These Terms are governed by the laws of the Republic of Indonesia. We will first try to resolve any dispute amicably through discussion. If that fails within 30 days, the dispute will be settled by the competent district court in Indonesia, without limiting your right to use consumer dispute resolution channels available to you by law. If these Terms exist in English and Indonesian, both versions are equally valid; in case of inconsistency, the Indonesian version prevails.
18. Changes to these terms
We may update these Terms from time to time. The “Last updated” date shows the current version. Changes apply from the moment they are published and do not affect orders placed before that date. If you continue to use the Services after a change, you accept the updated Terms.
19. Contact us
Questions about these Terms: info@astakara.id.