Gancang Terms & Conditions

1. Definitions

Unless the context requires otherwise, the following terms have the meanings set out below throughout these Terms:

• "Service" means the website, progressive web app (PWA), application programming interface (API), and all features made available therein, including but not limited to the Signal, Portfolio, Community, Report, and Watchlist features.
• "Signal" means the output of technical and/or fundamental analysis automatically generated by our systems based on publicly available market data, indicating a potential buy or sell opportunity for a given stock.
• "Content" means all text, data, charts, analysis, and other material displayed within the Service, whether generated by our systems or submitted by Users (including Community Content as defined in Section 11).
• "Account" means a registered account created by a User to access features of the Service that require authentication.
• "User", "You" means any person who accesses or uses the Service.
• "Third Party" means any data, infrastructure, or service provider we rely on to operate the Service but which is not under our direct control (including but not limited to market data providers, cloud infrastructure providers, and payment service providers).

2. Acceptance of Terms

2.1. These Terms take effect from the moment you first access or use the Service, and remain in effect for as long as you continue to use it.

2.2. We may amend, add to, or remove any part of these Terms at any time as set out in Section 19. Your continued use of the Service after such changes are published constitutes your acceptance of those changes.

2.3. Where additional specific terms apply to a particular feature (for example, terms governing paid tiers as set out in Section 14, or the referral program as set out in Section 15), such specific terms apply in addition to, and form an integral part of, these Terms. In the event of any conflict, the more specific terms shall govern the matter they specifically address.

3. User Eligibility

3.1. You represent and warrant that you:

• are at least 18 years of age, or are otherwise legally married, and are therefore legally capable of entering into binding obligations under the laws of the Republic of Indonesia;
• have provided true, accurate, current, and complete registration information (name, email, and any other requested data), and will update it promptly if it changes;
• are not subject to any legal restriction in your jurisdiction that would prohibit your use of a service of this nature.

3.2. We reserve the right to refuse registration or suspend any Account reasonably suspected of failing to meet the eligibility requirements above.

4. Description of the Service

4.1. Gancang is an information and software platform that processes publicly available stock market data into technical and fundamental analysis, presented as Signals, charts, and performance reports, to help Users monitor stock market movements.

4.2. Gancang is NOT:

• a securities company, broker-dealer, or exchange member as defined under Indonesian capital market laws and regulations;
• an investment manager or investment adviser licensed by Indonesia's Financial Services Authority (Otoritas Jasa Keuangan / OJK);
• a bank, financial institution, or payment system operator — payment processing for paid tiers (Section 14) is carried out by a third-party Payment Provider, not by us directly;
• a party that manages any User's funds, portfolio, or brokerage account in any form.

4.3. The Portfolio feature within the Service functions solely as a personal record-keeping tool, manually filled in by the User for transactions already made (or to be made) by the User themselves through the securities brokerage application of their own choosing. Gancang never, in any form, sends, forwards, or executes a buy/sell order to any exchange, securities company, or any other party on a User's behalf.

4.4. All Signals and analytical Content presented within the Service are provided solely as food for thought ("This is food for thought, not an order") and do not constitute: (a) a personalized investment recommendation tailored to any particular User's financial circumstances; (b) an offer, inducement, or solicitation to buy, sell, or hold any particular financial instrument; (c) any guarantee or promise of any particular future result or outcome.

5. Not Financial or Investment Advice

5.1. The Content and Signals provided by the Service are generated by an automated system applying technical rules and historical data that are identical for every User monitoring the same stock — they are not tailored to any individual User's risk profile, investment objectives, financial circumstances, or specific needs, regardless of the access tier (Free/Premium/Platinum) held by the User.

5.2. We STRONGLY RECOMMEND that you consult a licensed and appropriately qualified financial adviser, investment adviser, or other professional before making any financial or investment decision.

5.3. Any decision to buy, sell, hold, or otherwise act with respect to any financial instrument, whether made with or without regard to the Content/Signals provided by the Service, is made entirely at the User's own discretion and is the User's sole responsibility. Gancang cannot and will not be held liable for the consequences of any such decision.

6. Risk Disclosure

6.1. You understand and accept that trading and investing in financial instruments, including stocks, carries inherent and significant risk, including but not limited to the risk of losing part or all of the capital invested.

6.2. The historical performance of any stock, technical pattern, or Signal accuracy (including as shown in the Report feature) is not indicative of, nor a guarantee of, future performance or results.

6.3. Signals are generated by models and algorithms with inherent limitations and may produce inaccurate, delayed, or erroneous conclusions, due to factors including but not limited to:

• limitations or inaccuracies in the historical data used as the basis for the applicable rules;
• unforeseen market events ("black swan" events) that fall outside historical patterns;
• delays in market data sourced from Third Party data providers (the data displayed is NOT real-time, but delayed in accordance with the limitations of the data source used);
• technical disruptions affecting our systems or Third Party systems.

6.4. Other general market risks — including but not limited to price volatility, liquidity risk, foreign exchange risk (for overseas instruments), changes in government/regulatory policy, and macroeconomic conditions — are entirely beyond our control.

7. Limitation of Liability

7.1. To the maximum extent permitted by applicable law, Gancang, its owners, officers, employees, affiliates, and parties working with us (collectively, the "Protected Parties") SHALL NOT be liable for any loss, damage, or harm of any kind — whether direct, indirect, incidental, consequential, special, or punitive — arising out of or in connection with:

• any financial or investment decision made by a User, whether or not based on the Signals/Content of the Service;
• any inaccuracy, error, or delay in data or analysis displayed within the Service, including data sourced from Third Parties;
• any disruption, failure, unavailability, or discontinuation of the Service (including due to maintenance, repair, or other technical disruption);
• any loss of User data caused by factors beyond our reasonable control;
• any action, statement, or content posted by other Users within the Community feature;
• unauthorized access to a User's Account resulting from the User's own failure to safeguard the confidentiality of their login credentials;
• any delay, failure, or disruption on the part of a third-party Payment Provider as referred to in Section 14, including delayed activation of a paid tier after payment has been made.

7.2. Maximum Liability Cap. If, notwithstanding Section 7.1, a court or competent authority determines that we remain legally liable for any loss, such liability shall be capped at the total amount paid by the User to us for the Service in the 12 (twelve) months preceding the claim, or IDR 500,000 (five hundred thousand Indonesian Rupiah), whichever is greater — except that for Users using the Service free of charge, this liability cap shall be nil to the extent permitted by applicable law.

7.3. The limitations in Sections 7.1 and 7.2 above do not apply to loss arising from gross negligence or willful misconduct committed directly by the Protected Parties, or to matters which, under mandatory provisions of Indonesian law — including Law No. 8 of 1999 on Consumer Protection — cannot be excluded or limited by agreement.

8. No Warranty

8.1. The Service is provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, whether express or implied.

8.2. To the extent permitted by applicable law, we disclaim all implied warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and that the Service will be uninterrupted, error-free, or free of harmful components (such as viruses).

9. User Accounts

9.1. Each Account may only be used by a single individual. An Account must not be shared, lent, sold, or transferred to another party without our prior written consent.

9.2. You are solely responsible for maintaining the confidentiality of your Account password and credentials, and for all activity that occurs under your Account, whether carried out by you or by any other person who gains access using your credentials.

9.3. You must promptly notify us through our Contact Us channel if you become aware of, or suspect, any unauthorized access to your Account.

9.4. We reserve the right to suspend or terminate an Account in accordance with Section 16.

10. Prohibited Use

In using the Service, you must not:

• disassemble, decompile, or reverse-engineer the Service;
• scrape, crawl, or automatically extract data from the Service without our prior written permission;
• interfere with, overload, or damage the Service's infrastructure (including through any form of cyberattack);
• use the Service for any unlawful purpose, including but not limited to money laundering, fraud, or market manipulation;
• create fake Accounts, use another person's identity without authorization, or use automated software (bots) to register for or use the Service en masse — including but not limited to creating fake Accounts to unlawfully obtain referral program bonuses (Section 15) or paid-tier benefits (Section 14);
• misuse the Community feature to spread content involving discrimination (SARA), harassment, pornography, hate speech, misinformation (hoaxes), spam, or coordinated price-manipulation schemes (pump-and-dump);
• resell, redistribute, or commercially exploit the Service's Signals/Content to third parties without our prior written permission.

Violation of this Section may result in the unilateral suspension or termination of your Account by us, without refund (where applicable), as set out in Section 16.

11. User Content & Community

11.1. The Community feature allows Users to post and share content in the form of text, comments, and reactions ("Community Content"). You are solely responsible for any Community Content you post.

11.2. By posting Community Content, you grant us a non-exclusive, royalty-free, worldwide license to store, display, and distribute that Community Content within the Service.

11.3. Community Content represents the personal opinion of the individual User and does NOT represent any official view, recommendation, or statement by Gancang. We do not verify the truthfulness, accuracy, or quality of Community Content posted by Users.

11.4. We reserve the right, but assume no obligation, to review, edit, hide, or remove any Community Content that, in our judgment, violates Section 10 or these Terms, with or without prior notice.

12. Intellectual Property

12.1. All intellectual property rights in the Service — including but not limited to source code, interface design, algorithmic logic, curated databases, and the "Gancang" name and logo — are owned by us or our licensors, and are protected under applicable Indonesian and international intellectual property laws.

12.2. These Terms do not grant you any ownership interest in the Service. You are granted only a limited, non-exclusive, non-transferable, revocable license to access and use the Service in accordance with these Terms, for personal, non-commercial purposes.

13. Privacy & Personal Data

13.1. The collection, use, and processing of your personal data within the Service is governed by our separate Privacy Policy [link to be added], which forms an integral part of these Terms.

13.2. We process personal data in accordance with Law No. 27 of 2022 on Personal Data Protection and its implementing regulations.

14. Fees & Payment

14.1. The Service provides a "Free" access tier (free of charge, with the baseline access set out in Section 4) as well as paid "Premium" and "Platinum" tiers that unlock additional access to certain features (including but not limited to access to the United States stock market, a higher Watchlist Saya limit, and full historical Report detail). The complete list of features per tier may change from time to time and will be displayed within the Service.

14.2. Pricing for paid tiers is displayed within the Service at the time a User makes a payment, and may change at any time at our sole discretion. Price changes do not apply retroactively to a paid tier's active period that has already been paid for and is still running at the time the price change takes effect.

14.3. Payments are processed through a third-party payment service provider (currently Xendit, or any other provider we designate from time to time) (the "Payment Provider"). By making a payment, you also become subject to the applicable Payment Provider's own terms and privacy policy. We do not store your payment card or bank account data — all payment processing is handled by the Payment Provider outside of our systems.

14.4. The subscription model is a manual top-up: a paid tier is active for a fixed period (currently 30 days) from the time payment is successfully verified, and is NOT automatically renewed (there is no recurring billing/auto-debit, and we do not store your card details for that purpose). You will need to make a new payment if you wish to extend your paid tier. If you make a renewal payment for the SAME tier BEFORE your current active period ends, the remaining days of your current period are added to the new period (not lost).

14.5. Activation of a paid tier is processed automatically by our systems upon receiving confirmation from the Payment Provider, which typically occurs within a few minutes but may be delayed due to factors on the Payment Provider's side that are beyond our reasonable control.

14.6. Refunds are granted at our sole discretion, based on a request submitted through our Contact Us channel, and are NOT automatically guaranteed — including in cases of mistaken purchases, a change of mind by the User, or partial/total non-use of paid-tier features. Approval of a refund is recorded and carried out manually by us (including the refund payment itself to the User, which may not always be processed automatically through the Payment Provider, depending on the payment method used), and no refund will be given at all where an Account is terminated due to the User's violation of these Terms as set out in Section 10.

14.7. We reserve the right to refuse, cancel, or restrict any payment we reasonably suspect to be connected with fraud, a violation of these Terms, or unlawful activity.

14.8. We reserve the right to change, add to, discontinue, or remove any paid tier (including the features included within it) at any time, with notice as set out in Section 19 — such changes will not reduce the active period of a paid tier that a User has already paid for and which is still running at the time the change takes effect, except where required by law or necessary to discontinue the Service in its entirety.

15. Referral Program

15.1. We may, at our sole discretion, make available a referral program that allows a registered User (a "Referrer") to share their unique referral code with other prospective Users. The referral program is a voluntary promotion and does NOT form part of the pricing/fees for the Service as set out in Section 14.

15.2. A referral code is only valid if entered by a prospective User AT THE TIME of creating a new Account (a "Referred User"). A referral code entered after an Account has already been created will NOT be processed and cannot be applied retroactively.

15.3. A Referrer is entitled to a bonus in the form of an extension of a paid tier's active period (as set out in Section 14) of a specified number of days — the number of bonus days may change from time to time and will be displayed within the Service — if and only if the Referred User completes payment for a paid tier for the FIRST TIME. No bonus is granted merely upon registration, and no bonus is granted more than once for the same Referred User. The Referred User does not receive any bonus from this program (the program is one-sided, benefiting only the Referrer).

15.4. We impose a maximum cap on the number of referral bonuses a single Referrer may receive within a given period (currently 10 successful referrals per calendar month), as displayed within the Service, in order to prevent abuse of this program. Referrals exceeding that cap within the applicable period will not receive a bonus.

15.5. Referral bonuses have no cash value, cannot be redeemed for cash, and cannot be transferred to another User — a bonus may only be used in the form of an extension of a paid tier's active period as set out in this program.

15.6. We reserve the right, with or without prior notice, to cancel, withhold, or revoke a referral bonus (whether already granted or not yet granted) where we discover or reasonably suspect fraud, manipulation, the creation of fake Accounts, or any other violation of these Terms relating to the referral program, without prejudice to our right to take any other action as set out in Section 10 and Section 16.

15.7. The referral program is offered on a temporary basis and may be changed, suspended, or discontinued by us at any time at our sole discretion. Discontinuing or changing the program will not revoke any bonus that has ALREADY been validly granted prior to the date of such discontinuation or change, but may cancel any entitlement to a bonus that has NOT yet been granted (including a referral still awaiting the Referred User's first payment) as of that date, unless we state otherwise.

16. Termination

16.1. You may stop using the Service and/or request deletion of your Account at any time through our Contact Us channel.

16.2. We reserve the right to suspend or terminate your access to the Service, at any time, with or without prior notice, where: (a) you violate these Terms; (b) required by law or order of a competent authority; (c) we discontinue the Service in its entirety.

16.3. Provisions of these Terms which by their nature should survive termination (including but not limited to Sections 7, 8, 12, and 20) shall remain in effect notwithstanding the termination of your Account.

17. Indemnification

You agree to defend, indemnify, and hold harmless the Protected Parties from and against any and all claims, demands, losses, liabilities, and costs (including reasonable legal fees) arising out of or relating to: (a) your violation of these Terms; (b) your misuse of the Service; (c) your infringement of any third party's rights, including through Community Content you post.

18. Force Majeure

We shall not be liable for any delay or failure in performing our obligations under these Terms where such delay or failure is caused by circumstances beyond our reasonable control, including but not limited to natural disasters, nationwide telecommunications/internet disruption, government policy or action, power outages, cyberattacks by third parties, pandemics, civil unrest, or other national emergencies.

19. Changes to the Service and these Terms

19.1. We reserve the right to change, add to, discontinue, or remove features of the Service, and to amend these Terms, at any time at our sole discretion.

19.2. Material changes to these Terms will be communicated through the Service (including but not limited to in-app notifications, email, or an announcement on the website) before taking effect. Your continued use of the Service after the effective date of such changes constitutes your acceptance of them.

20. Governing Law & Dispute Resolution

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

20.2. Any dispute arising out of or in connection with these Terms shall first be resolved amicably through deliberation (musyawarah) between the parties.

20.3. If no resolution is reached through the deliberation referred to in Section 20.2 within 30 (thirty) calendar days, the parties agree that the dispute shall be resolved through the District Court (Pengadilan Negeri) of our legal domicile, without prejudice to our right to pursue legal remedies in another jurisdiction where necessary to protect our rights.

21. Miscellaneous

21.1. Severability. If any provision of these Terms is held invalid, unlawful, or unenforceable by a court or competent authority, that provision shall be severed from these Terms without affecting the validity of the remaining provisions.

21.2. Language. These Terms are originally drafted in Indonesian. This English version is provided for convenience only. In the event of any discrepancy or conflict in interpretation between this English version and the Indonesian version, the Indonesian version shall prevail and be legally binding. See the Indonesian version.

21.3. Entire Agreement. These Terms, together with the Privacy Policy and any other additional terms referenced herein, constitute the entire agreement between you and us regarding use of the Service, and supersede all prior agreements or understandings, whether oral or written, relating to the same subject matter.

21.4. No Waiver. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

22. Contact

Questions, objections, or requests relating to these Terms may be submitted through the "Contact Us" feature within the Gancang app, or through any other official contact channel we announce on this website.