Clear Rules.
Fair Terms.

1. Acceptance of Terms

By accessing or using MontPro Financier ("Platform," "Service," "we," "us," or "our"), you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our Platform.

These Terms apply to all users, including but not limited to:

• Small and medium enterprises (SMEs)
• Individual business owners and entrepreneurs
• Financial institutions and lenders
• Investors and funding providers
• Business advisors and consultants

2. Platform Description

MontPro Financier provides:

• Financial Statement Generation: Automated creation of professional financial statements from bank data
• Credit Intelligence Analysis: Creditworthiness assessment and financial risk evaluation
• Industry Benchmarking: Comparative analysis with industry standards and peers
• Green Financing Navigator: ESG assessment and sustainable financing opportunities (when available)
• Financial Marketplace: Connections between businesses and funding providers (when available)

3. User Accounts and Registration

Account Creation

To use our Platform, you must:

• Provide accurate, current, and complete information
• Be at least 18 years old or the age of majority in your jurisdiction
• Have the legal authority to enter into these Terms
• Maintain the security of your account credentials

Account Responsibilities

You are responsible for:

• All activities that occur under your account
• Maintaining the confidentiality of your login credentials
• Notifying us immediately of any unauthorized access
• Providing accurate and up-to-date information

4. Financial Data and Information

Data Accuracy

You represent and warrant that:

• All financial data provided is accurate and complete
• You have the right to share the financial information
• The data represents legitimate business activities
• You will promptly update any inaccurate information

Data Usage

We use your financial data solely to:

• Generate requested financial statements and reports
• Perform creditworthiness and risk assessments
• Provide industry benchmarking and analysis
• Facilitate connections with potential funding sources (with your consent)

5. Platform Usage Rules

Permitted Uses

You may use our Platform to:

• Generate professional financial statements for legitimate business purposes
• Obtain creditworthiness analysis for funding applications
• Compare your business performance with industry benchmarks
• Connect with potential lenders and investors (when available)

Prohibited Uses

You may not:

• Provide false, misleading, or fraudulent information
• Use the Platform for illegal activities or money laundering
• Attempt to reverse engineer or copy our algorithms
• Share your account credentials with third parties
• Use automated tools to scrape or extract data
• Interfere with the Platform's security or functionality

6. Intellectual Property Rights

Our Rights

MontPro Financier owns all rights to:

• Platform software, algorithms, and methodologies
• User interface design and functionality
• Proprietary analysis models and scoring systems
• Trademarks, logos, and brand materials

Your Rights

You retain ownership of:

• Your original financial data and business information
• Generated reports and statements (subject to our licensing terms)
• Your business trademarks and proprietary information

7. Payment Terms and Fees

Service Fees

Our Platform operates on a freemium model with:

• Basic services available at no cost
• Premium features requiring subscription or per-use fees
• Transparent pricing displayed before purchase
• No hidden fees or surprise charges

Payment Processing

All payments are processed securely through:

• Encrypted payment gateways
• Indonesian Rupiah (IDR) and major international currencies
• Multiple payment methods for convenience
• Automatic receipts and transaction records

Refund Policy

Refunds may be available for:

• Technical failures preventing service delivery
• Billing errors or duplicate charges
• Service cancellations within specified periods
• Unused premium credits (subject to terms)

8. Third-Party Integrations

Our Platform may integrate with:

• Banking institutions for transaction data
• Credit reporting agencies
• Financial data providers
• Partner lending platforms

We are not responsible for the availability, accuracy, or functionality of third-party services.

9. Disclaimers and Limitations

Service Disclaimers

Our Platform provides:

• Information tools - not financial advice
• Analysis based on provided data - accuracy depends on input quality
• Industry comparisons - for informational purposes only
• Funding connections - we do not guarantee approvals

Limitation of Liability

We are not liable for:

• Business decisions based on our analysis
• Loan application rejections or funding delays
• Third-party service interruptions
• Data loss due to technical issues
• Indirect or consequential damages

10. Indonesian Law and Compliance

Our Platform operates in compliance with:

• Indonesian banking and financial regulations
• Data protection and privacy laws
• Consumer protection regulations
• Anti-money laundering requirements

11. Account Termination

Termination by You

You may terminate your account at any time by:

• Using the account deletion feature
• Contacting our support team
• Following the cancellation procedures

Termination by Us

We may suspend or terminate accounts for:

• Violation of these Terms
• Fraudulent or illegal activities
• Non-payment of fees
• Extended period of inactivity

12. Updates and Modifications

We may update these Terms to reflect:

• New features and services
• Legal or regulatory changes
• Improved user protection measures
• Business model adjustments

We will notify users of significant changes via email or platform notifications at least 30 days before the changes take effect.

13. Dispute Resolution

Indonesian Jurisdiction

These Terms are governed by Indonesian law, and any disputes will be resolved through:

• Good faith negotiation as the first step
• Mediation through recognized Indonesian institutions
• Indonesian courts as the final recourse

User Rights

Users maintain rights under Indonesian consumer protection laws, including:

• Fair treatment and transparent pricing
• Access to complaint resolution procedures
• Protection against unfair business practices