Terms & Conditions

Effective date: [[EFFECTIVE DATE]] · Last updated: [[LAST UPDATED]]

These Terms & Conditions ("Terms") govern your access to and use of AlphaFlow, a stock-market analysis service for Indonesian equities (IDX) operated by [[LEGAL ENTITY NAME — e.g. PT Klinik Penyesalan / sole proprietor]] ("AlphaFlow", "we", "us"). By creating an account, subscribing, or otherwise using the service, you agree to these Terms. If you do not agree, do not use AlphaFlow.

1. The service

AlphaFlow provides analytical tools for the Indonesian Stock Exchange (IDX): broker-flow tracking, smart-money signals, Wyckoff structure detection, regime classification, screening, and related data visualisations. The service surfaces patterns in publicly reported market data to help you do your own research.

2. Informational only — not financial advice

All data, analysis, scores, signals, verdicts, and any other output on AlphaFlow are provided strictly for educational and informational purposes. Nothing on the platform constitutes, or should be construed as, financial, investment, legal, or tax advice, nor a recommendation, solicitation, or offer to buy, sell, or hold any security or financial product.

We are not a licensed broker-dealer, investment adviser, or financial planner. You are solely responsible for your own trading and investment decisions. Trading carries substantial risk of loss; past performance does not guarantee future results. Always do your own research (DYOR) and consider consulting a licensed professional familiar with your situation.

3. Eligibility and accounts

You must be at least 18 years old and able to form a binding contract to use AlphaFlow. Authentication is handled by Clerk; you are responsible for keeping your login credentials secure and for all activity under your account. Notify us promptly of any unauthorised use.

4. Subscriptions and billing

AlphaFlow is offered on subscription tiers, each with a recurring billing period (for example monthly or annual). The available tiers, their features, prices in Indonesian Rupiah (IDR), and billing period are shown on the pricing page at the time of purchase. [[SUBSCRIPTION TIERS & PRICES — confirm tier names, IDR amounts, billing period]]

Unless you cancel before the end of the current billing period, your subscription renews automatically for another period at the then-current price. You can cancel at any time; cancellation stops future renewals and takes effect at the end of the period you have already paid for. We do not pro-rate or refund for partial periods (see §6).

We may change subscription prices or tier features. Price changes apply from your next renewal, and we will give you reasonable notice before they take effect. Continuing to use a paid plan after a price change takes effect means you accept the new price.

5. Payments (processed by Midtrans)

Payments are processed by Midtrans, a licensed third-party payment gateway, using its Snap checkout. When you pay, you are redirected to or interact with Midtrans, and your payment is subject to Midtrans’ own terms and privacy policy in addition to ours.

We never collect or store your full card number, CVV, virtual-account number, or bank credentials. Those details are handled directly by Midtrans and the relevant card networks and banks. We receive only payment metadata from Midtrans — for example a transaction ID, status, payment method type, amount, and timestamp — which we use to grant and reconcile your subscription.

Access is granted automatically once Midtrans notifies us that your payment has succeeded. If a payment is pending, fails, or is later reversed by Midtrans or your bank, we may withhold, suspend, or revoke the corresponding access.

6. No-refund policy

AlphaFlow is a digital subscription service and access is granted immediately upon successful payment. Because of this, all payments are final and non-refundable, and we do not offer refunds or credits for partial billing periods, unused access, or a change of mind. You may still cancel auto-renewal at any time to avoid future charges (see §4).

Nothing in this policy is intended to exclude any right you may have that cannot be waived under applicable Indonesian consumer-protection law. Where such a right applies, this section is read subject to it.

7. Billing reconciliation and disputes

We reconcile our internal payment records against Midtrans settlement reports on a regular basis to confirm that payments, entitlements, and settlement amounts match. Settlement timing for a successful payment follows Midtrans’ schedule for the relevant payment method.

If you believe you were charged incorrectly, charged more than once, or paid but did not receive access, contact us at [[CONTACT EMAIL — e.g. legal@alphaflow.id]] with your transaction details. We will investigate against the Midtrans settlement record and correct any genuine error — for example by granting the access owed or, where a duplicate or erroneous charge is confirmed, working with Midtrans on the appropriate remedy. This dispute process is separate from the no-refund policy in §6, which concerns valid completed purchases.

8. Acceptable use

You agree not to:

• Scrape, crawl, resell, redistribute, or create a derivative or competing service from AlphaFlow data or output without our written permission.
• Share, sublicense, or transfer your account or access credentials, or use the service on behalf of others outside your subscription.
• Attempt to gain unauthorised access, circumvent paywalls or rate limits, reverse-engineer the service, or interfere with its operation or security.
• Use the service for any unlawful purpose, including market manipulation, or in violation of applicable Indonesian securities and other laws.

We may suspend or terminate accounts that violate these Terms, without refund where permitted by law.

9. Intellectual property

AlphaFlow, including its software, models, scoring methods, visualisations, text, and branding, is owned by us or our licensors and protected by intellectual-property laws. Your subscription grants you a limited, personal, non-exclusive, non-transferable right to use the service for your own research; it does not transfer any ownership.

10. Availability and data accuracy

The service relies on third-party market data and is provided on an "as is" and "as available" basis. We do not warrant that the data, analysis, or signals are accurate, complete, timely, or uninterrupted, and we may modify, suspend, or discontinue features at any time. Market data may be delayed.

11. Limitation of liability

To the maximum extent permitted by law, AlphaFlow and its operators, owners, and contributors shall not be liable for any trading or investment losses, or for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the service or its data — even if advised of the possibility of such damages.

To the extent any liability cannot be excluded, our total aggregate liability to you is limited to the amount you paid us for the subscription in the three (3) months before the event giving rise to the claim.

12. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the "last updated" date above and, where appropriate, notify you in-app or by email. Continuing to use AlphaFlow after changes take effect means you accept the updated Terms.

13. Governing law

These Terms are governed by the laws of the Republic of Indonesia. Any dispute arising from or relating to these Terms or the service shall be subject to the exclusive jurisdiction of the competent courts of [[GOVERNING JURISDICTION CITY — e.g. Jakarta Selatan]], Indonesia, without prejudice to any mandatory consumer rights you have under Indonesian law.

Questions?

If you have any questions about these terms or our privacy practices, contact us at [[CONTACT EMAIL — e.g. legal@alphaflow.id]].