Privacy Policy

This Privacy Policy is an agreement between the user and PT Tokokoding Ilmu Digital ("We") regarding the protection of your personal data. This Privacy Policy governs how we collect, use, and protect your personal information when accessing and using the Catatku finance tracking application and all services, features, and products we provide (hereinafter collectively referred to as the "Platform", including the WhatsApp Assistant service).

Please read this Privacy Policy carefully before you start using Our Platform, as this policy applies to all use of the Catatku Platform.

By registering or using Our services, you agree to be bound by this Privacy Policy. We reserve the right to change this policy from time to time and will notify you through app notifications or announcements on the Platform.

1. Information We Collect

To provide Catatku finance tracking services, we collect personal information you provide directly such as email addresses to create an account. We also collect the financial data you enter, such as income records, expenses, budget planning, Savings, billing details including due dates, debt and receivable records, and transaction categories.

If you use the WhatsApp Assistant, we collect your mobile phone number and the chat history sent to our assistant number in order to process your instructions.

The content of the messages you send to the WhatsApp Assistant, including text, voice notes and photographs of receipts, is processed by Google's artificial intelligence service (Google Gemini) through our paid account, solely to turn your message into a transaction record. Under the terms of that paid service, the content of your messages is not used to train Google's artificial intelligence models.

If you use the attachment feature, we may collect image, photo, or PDF document data that you upload as proof of transaction, including on debt and receivable records. We may request permission to access your device camera, gallery, or file storage to facilitate such features.

For the daily automatic backup feature, we store a copy of your financial data on our cloud servers in encrypted form. Each copy is labelled with the device and the date it was made, so that you can choose which copy to restore.

Whether or not you create an account, the app sends us usage diagnostic data about once a day, both through Google Firebase (Analytics and Crashlytics) and directly to our own servers: a randomly generated device identifier, your approximate location (country, region and city, derived from your IP address), your device model and operating system, your chosen language and currency, how many times you have opened the app, and, for Free accounts, how many transactions, Accounts (the wallets you track money in), budgets, bills, debts, receivables and Savings you have recorded, and the dates of your first and last transaction. This data does not identify you personally and never includes the content of your transactions.

2. How Information is Used

The information we collect is used to provide finance tracking services, manage your account, store and sync your records and transaction image or document attachments, monitor the progress of your Savings, provide automated responses and process transaction recordings via the WhatsApp Assistant, provide Books, manage and send your bill reminders, generate financial analysis reports, facilitate daily automatic backup and cloud synchronization features, process payments for premium features (including WhatsApp Assistant features), and communicate with you regarding services and app updates.

3. Information Sharing

We do not sell or rent your personal financial data or media files to third parties. We only share your information with cloud service providers for backup and synchronization features with your consent, third-party messaging platform providers (such as Meta) solely to facilitate the operational infrastructure of the WhatsApp Assistant, artificial intelligence service providers (Google) solely to turn WhatsApp Assistant message content into transaction records, payment service providers to process premium feature transactions, and only if required by applicable law or to protect the security of our users.

4. Financial Data Security

We are committed to maintaining the security of your financial data, image attachments, and PDF documents by implementing data encryption, local storage on the device as the main priority, daily automatic backups stored encrypted on our servers and labelled per device, encrypted backups for cloud synchronization features, PIN and biometric locks for additional security, and other security measures to protect information from unauthorized access. Your data is stored first on the local device to ensure maximum privacy.

5. Premium Features and Payment

Catatku's basic features are free, including unlimited transaction logging, basic Savings and budgets, reports, bill tracking, reminders, the widget, and daily automatic backup with certain usage limits on Free accounts.

Premium includes custom categories, unlimited Accounts, budgets, Savings, bills, debts and receivables, full transaction history, image and PDF attachments, restore from backup, backup and restore to a local file, unlimited export to PDF and Excel, and the biometric and PIN lock.

Pro includes everything in Premium plus unlimited Books and automatic synchronisation across up to 5 devices.

The WhatsApp Assistant is an add-on for Pro account users, available with a 14-day free trial and a paid plan thereafter.

Payments for paid features are processed through secure third-party payment service providers. Payment information is not stored on our servers.

6. User Rights

You have the right to access, correct, or delete your financial data, Savings, bills, image attachments, PDF documents, and personal information, export your financial data in Excel or PDF format, disable synchronization features and continue using local storage, request account deletion along with all stored data, and file complaints regarding data processing.

You can delete all your data through the Settings → Account Management → Reset Data menu within the application.

To completely delete your account, open Settings → Account Management → Delete Account. Your account will be locked immediately to prevent new access, and all your data will be permanently deleted after a 30-day grace period, unless you choose to restore it before the period ends.

7. Mobile Application Data

The Catatku application stores data on your Android or iOS device to provide an optimal experience, including app preferences, media, camera, or file storage access permissions if you use the attachment feature, notification permissions for bill reminders, synchronization settings, and local financial data. We also collect usage data to understand app usage and improve performance. Some diagnostic data is sent to our servers periodically, about once a day, whether or not you use an account and regardless of whether synchronisation is enabled. This data never includes the content of your financial records.

8. Data Storage and Retention

Your financial data is stored first on the local device. If automatic backup is on, the daily copy is stored encrypted on our cloud servers and labelled per device, keeping a history of the last few copies. If you enable synchronisation, your data is also stored encrypted in the cloud. We store your personal information for as long as the account is active or as long as necessary to provide the service. Those servers are operated by our cloud infrastructure provider and may be located outside the country where you live.

Upon requesting account deletion, your account will be locked (suspended) immediately to prevent new access. Your data will be securely retained for a grace period of 30 calendar days, during which you can restore your account by logging in or contacting our support. If the account is not restored within these 30 days, the account and all associated financial data, media files, and personal information will be permanently deleted from our active servers, unless retention is required to comply with legal obligations, resolve disputes, or enforce our agreements.

9. Policy Changes

We may update this Privacy Policy from time to time. Changes will be notified through notifications in the application or announcements on the Platform. By continuing to use the Platform after changes, you agree to the new Privacy Policy.

10. Contact Us

If you have questions about this Privacy Policy, the use of your financial data, or want to exercise your rights regarding personal data, please contact us through the available contact information.

11. Governing Law

This Privacy Policy is governed by the laws of the Republic of Indonesia. Any disputes arising from personal data processing will be settled in the Makassar District Court.

12. Your Rights in the EU, EEA and UK (GDPR)

If you live in the European Union, the European Economic Area or the United Kingdom, this section applies in addition to the rest of this policy.

Cloud data described in Section 8 is stored on servers operated by our cloud provider, Supabase, located in Singapore. Transfers from the EU, EEA or UK to Singapore are protected by the European Commission's Standard Contractual Clauses, which form part of our agreement with our cloud provider.

We process your account and backup data to provide the service you signed up for (performance of a contract) and diagnostic data to keep the app secure and reliable (legitimate interest). Where the law requires consent, we ask for it and you can withdraw it at any time. You can turn off the sharing of usage and crash data at any time in Settings.

In addition to the rights in Section 6, you have the right to restrict or object to processing, to receive your data in a portable format, and to lodge a complaint with your local data protection authority. To exercise any right, use the in-app options described in Section 6 or contact support@catatku.com; we respond within 30 days.

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Last updated: 14 August 2026

Questions? support@catatku.com