Terms & Conditions

Effective 27 October 2026

This is an English translation. If it differs from the Indonesian version, the Indonesian version applies.

By using Vestodia (the Telegram bot, web app, and mobile app), you agree to the following terms.

1. Service

Vestodia is a tool for tracking, planning, and understanding personal finances: transactions, budgets, assets, debts, goals, and summaries based on the data you enter.

2. Not financial advice

Vestodia is not an investment adviser, an investment manager, or a licensed financial institution. Vestodia does not manage funds, does not sell investment products, and does not give recommendations to buy or sell securities. Figures, scores, insights, and AI assistant answers are for information and education, may be wrong, and are not a sole basis for financial decisions.

3. Accounts

Your account is linked to your Telegram account. Keep your Telegram account secure.
You are responsible for the accuracy of the data you enter.
One account per person. Do not use Vestodia for unlawful activity, to disrupt the service, or to access other people's data.

4. Plans and payment

Basic is free with certain usage limits (for example, the number of receipt scans and AI questions).
Pro is paid in advance for a monthly or yearly period, with no automatic renewal. When the period ends, your account returns to Basic and your data stays intact.
The price that applies is the one shown at payment. Payments are processed by a third-party payment provider.
Fair use limits apply to "unlimited" features to prevent abuse.
Refunds follow the Refund Policy.

5. Coins and rewards

Where available, in-app coins can only be exchanged for rewards inside Vestodia (for example, Pro days or discounts). Coins cannot be cashed out, transferred, or traded, and may be cancelled if obtained by cheating.

6. Availability

We try to keep the service running but do not guarantee it will be free of disruption. Market price data comes from third parties and may be delayed or wrong.

7. Limitation of liability

To the extent permitted by law, Vestodia is not liable for losses resulting from financial decisions made based on information in the app, service disruptions, or incorrect data. Our liability is limited to at most the fees you paid in the last 3 months.

8. Termination

You can stop and delete your account at any time. We may suspend accounts that violate these terms.

9. Changes and governing law

These terms may be updated; meaningful changes are announced through the bot. These terms are governed by the laws of the Republic of Indonesia.

Contact

[email protected]