Runtut

Legal

Terms of Service

Last updated: November 3, 2026

These Terms set out the rules for using Runtut, a personal financial journal. Please read them together with our Privacy Policy, which explains how we handle your data under Indonesia's Personal Data Protection Law.

1. Agreement

These Terms of Service (the "Terms") form a legally binding agreement between you and Khouw Devin Nathanael, an individual domiciled in Bandung, Indonesia ("Runtut", "we", "us" or "our"), governing your use of the Runtut mobile application, the website at https://runtut.app and any related services (together, the "Service").

By creating an account, tapping to accept, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. This agreement is made electronically and is valid and binding under Law Number 11 of 2008 on Electronic Information and Transactions, as amended, and Government Regulation Number 71 of 2019. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old and legally competent to enter into an agreement under the laws of the Republic of Indonesia to use the Service. By using the Service, you represent that you meet these requirements.

3. The Service

Runtut is a personal financial journal that lets you record income and expenses, track installments and subscriptions, and review your spending. The Service works offline-first: your journal is stored on your device and remains usable without an internet connection.

Runtut is not a financial service. It does not hold or move money, connect to your bank, or provide financial, investment, tax or legal advice. Figures shown in the Service, including currency conversions, are for your personal reference only. You remain responsible for your own financial decisions.

4. Your Account

Some features require an account created through Google Sign-In. You are responsible for:

  • keeping your Google account and devices secure;
  • all activity carried out through your account; and
  • notifying us promptly at support@runtut.app if you suspect unauthorised use.

If you do not use Cloud Sync, your journal exists only on your device. You are responsible for backing it up; data lost with a device or an uninstalled app cannot be recovered by us.

5. Premium Subscription

Features. Runtut Premium unlocks additional features, currently Cloud Sync, Autopilot Updates, Shareable Report and Cloud Scan, as described in the app at the time of purchase. We may add, change or retire Premium features, and will not materially reduce the features of a paid period that is already in progress.

Billing and renewal. Subscriptions are sold and billed by Google Play. The price, billing period and any taxes are shown before you confirm the purchase. Your subscription renews automatically at the end of each billing period unless you cancel it in Google Play before the renewal date.

Cancellation and refunds. You may cancel at any time in Google Play. Cancellation takes effect at the end of the current billing period, and Premium features remain available until then. Refunds are handled by Google under the Google Play refund policy, without prejudice to any rights you have under Law Number 8 of 1999 on Consumer Protection.

Price changes. We may change subscription prices. Any change applies from your next billing period, and you will be notified in advance through Google Play and given the opportunity to cancel before it applies.

When Premium ends. If your subscription ends, Premium features stop working, but the journal data on your device remains available to you.

6. Your Content

You retain all rights to the data, text and photos you enter into the Service ("Your Content"). You grant us a limited, non-exclusive, royalty-free licence to store, copy, transmit and display Your Content solely to provide the Service to you, including syncing it across your devices and displaying reports you choose to share. This licence ends when Your Content is deleted from our servers, except for residual backups described in the Privacy Policy.

When you create a Shareable Report, anyone with its link can view the transactions, categories, pockets and item details it contains. You are responsible for what you share and with whom.

You must have the right to upload Your Content, and it must not infringe the rights of others or contain the Personal Data of other people without a lawful basis.

7. Cloud Scan and Automated Extraction

Cloud Scan uses the Google Gemini API to read receipt images. By using it, you acknowledge that:

  • receipt images are sent to Google for processing, as described in the Privacy Policy;
  • extracted results may be incomplete or inaccurate, and you should review them before saving; and
  • you should not scan documents containing other people's sensitive information, such as full card numbers or identity numbers.

Local Scan runs on your device and sends nothing to Google.

8. Acceptable Use

You agree not to:

  • use the Service for any unlawful purpose;
  • attempt to gain unauthorised access to the Service, other users' data, or our systems;
  • interfere with, overload or disrupt the Service, including through automated or bulk requests;
  • reverse engineer, decompile or disassemble the app, except to the extent permitted by law;
  • use Cloud Scan or other features for commercial bulk processing or for purposes other than your personal financial journal; or
  • impersonate any person or share your account with others.

9. Intellectual Property

The Service, including its source code, design, trademarks, logos and documentation, is owned by Khouw Devin Nathanael and protected by the intellectual property laws of the Republic of Indonesia and international treaties. We grant you a personal, revocable, non-exclusive, non-transferable licence to use the app for your own non-commercial purposes in accordance with these Terms.

Parts of Runtut's source code may be published in a public repository for transparency and issue reporting. Publication does not grant an open source licence: you may not copy, modify, distribute, create derivative works from, or commercially use that code without our prior written permission.

10. Third-Party Services

The Service relies on third-party services, including Google Sign-In, Google Play, Firebase, Google Maps Platform, the Gemini API, Amazon Web Services, PostHog and Vercel. Your use of those services is also subject to their own terms. We are not responsible for their acts, omissions or availability, except to the extent required by law.

11. Availability and Changes to the Service

We aim to keep the Service available but do not guarantee uninterrupted operation. Features that need a connection, such as Cloud Sync, place search and Cloud Scan, may be unavailable during maintenance or outages; your on-device journal remains usable.

We may modify, suspend or discontinue all or part of the Service. If we discontinue Cloud Sync or the Service as a whole, we will give you reasonable advance notice so you can export your data.

12. Disclaimer

To the extent permitted by applicable law, the Service is provided "as is" and "as available". We do not warrant that the Service will be error-free, that calculations, conversions or extracted data will always be accurate, or that data will never be lost. Nothing in these Terms excludes any warranty or right that cannot be excluded under the laws of the Republic of Indonesia, including Law Number 8 of 1999 on Consumer Protection.

13. Limitation of Liability

To the extent permitted by applicable law:

  1. we are not liable for indirect or consequential losses, including loss of profit, or for financial decisions you make based on information in the Service; and
  2. our total liability arising out of or in connection with the Service is limited to the amount you paid us for the Service in the 12 months before the event giving rise to the claim.

These limitations do not apply to losses caused by our intentional misconduct or gross negligence, to our obligations under the PDP Law, or to any liability that cannot be limited under the laws of the Republic of Indonesia.

14. Suspension and Termination

You may stop using the Service at any time and delete your account on the Delete Account page or in the app.

We may suspend or terminate your access if you materially breach these Terms, use the Service unlawfully, or where required by law. Except where immediate action is needed to prevent harm or comply with the law, we will notify you and give you an opportunity to remedy the breach first. On termination, your data is handled as described in the Privacy Policy.

15. Changes to These Terms

We may amend these Terms. We will post the amended Terms on this page and update the "Last updated" date, and for material changes we will notify you through the app or by email at least 14 days before they take effect. If you do not agree, you may stop using the Service and delete your account before then. Continued use after the effective date constitutes acceptance.

16. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Republic of Indonesia.

Any dispute arising out of or in connection with these Terms will first be settled amicably through good-faith deliberation, known as musyawarah untuk mufakat, within 30 days after one party notifies the other in writing. If it cannot be settled, the dispute will be submitted to the District Court (Pengadilan Negeri) of Bandung, without prejudice to your right as a consumer to bring a claim before the Consumer Dispute Settlement Agency (BPSK) or the court of your domicile under Law Number 8 of 1999 on Consumer Protection.

17. General Provisions

  • Severability: if any provision is held invalid or unenforceable, the remaining provisions remain in full force.
  • No waiver: failure to enforce a provision is not a waiver of our right to enforce it later.
  • Assignment: you may not transfer your rights under these Terms. We may transfer ours to a successor of the Service, with notice to you.
  • Entire agreement: these Terms and the Privacy Policy are the entire agreement between you and us about the Service.
  • Language: these Terms are written in English. Where the law requires a Bahasa Indonesia version, it will be made available, and both versions will be equally authentic.

18. Contact