Terms & Conditions

Welcome to Chatatin! Chatatin is a WhatsApp & Telegram-based personal finance tracking service that helps you monitor income, expenses, and savings easily and intelligently.

By registering, accessing, or using Chatatin's services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions. If you do not agree with any part of these terms, please do not use our service.

Chatatin reserves the right to update these terms at any time. Significant changes will be communicated via WhatsApp or Telegram.

In this document, the following terms have the following meanings:

Chatatin — A WhatsApp & Telegram-based finance tracking platform managed by the Chatatin team.

User — An individual who registers and uses Chatatin's services, whether through WhatsApp, Telegram, or the web dashboard.

Service — All features provided by Chatatin, including transaction recording via WhatsApp or Telegram, analytics dashboard, Google Sheets sync, and AI insights.

Content — Transaction data, categories, and other financial information entered by the User into the Chatatin system.

Plan — The subscription tier selected by the User (FREE, LITE, PREMIUM, or FAMILY).

Registration Requirements
To use Chatatin, you need an active WhatsApp number or Telegram account. One WhatsApp number or Telegram account can only be linked to one Chatatin account.

Account Responsibility
You are fully responsible for your account's security and all activities that occur within it. Never share your login token or OTP with anyone.

Accurate Account Data
Ensure that the WhatsApp number or Telegram account you register is yours and remains active. We may deactivate accounts if invalid information is found.

Dashboard Access
The Chatatin dashboard can only be accessed by the account owner (master). Family members in the FAMILY plan can only record transactions through a WhatsApp or Telegram group, not access the dashboard.

Chatatin offers four subscription plans:

FREE
A free plan with basic features — great for getting started with finance tracking.

LITE
A paid plan with more complete features, including custom categories and monthly reports.

PREMIUM
A full-featured plan with AI insights, Google Sheets sync, and in-depth analytics.

FAMILY
A premium plan that supports family finance tracking via a WhatsApp or Telegram group. One master account can manage both personal and group finances simultaneously.

Subscription Duration
Each paid plan has an active period determined at purchase (monthly or annual). Plans do not auto-renew — users need to make a new payment to continue their subscription.

We designed our subscription system to be fair — no plan is ever wasted while it's still within its active period.

Upgrading Plans
When you upgrade to a higher-tier plan, your current plan is temporarily paused. The old plan will automatically resume after the new plan expires. This ensures your remaining days are never lost.

Example: You have LITE active for 20 more days, then upgrade to PREMIUM for 30 days. After PREMIUM expires, your LITE 20-day plan resumes automatically.

Downgrading Plans
When you purchase a lower-tier plan while a higher-tier plan is active, the new plan is stacked (queued) behind the current active plan. The new plan activates only after the higher-tier plan ends.

Example: You have PREMIUM active for 15 more days, then purchase LITE for 30 days. PREMIUM runs until it expires, then LITE 30-day activates.

General Principles
- No plan expires while it's within its active period
- The system always runs the highest-tier plan first
- Subscription history is visible in the Settings page of the dashboard

Payment Methods
Payments are made through Lynkid or transfer methods we communicate. We will continue to add payment options based on user needs.

Payment Confirmation
After making a payment, send confirmation to the Chatatin admin on WhatsApp or Telegram. Plan activation is done manually or automatically depending on the current system.

Pricing
Plan prices may change at any time. Price changes are not retroactive for already-active plans.

Refund Policy
We do not provide refunds for activated plans. However, if a technical issue on Chatatin's side prevents the service from being used, we will provide compensation in the form of equivalent plan extension.

For payment-related questions, contact us via WhatsApp, Telegram, or Instagram.

What You Can Do
- Record personal or family financial transactions via WhatsApp or Telegram
- Access the dashboard to view reports and analytics
- Export data to Google Sheets (based on your plan)
- Customize categories and sub-categories as needed
- Contact the Chatatin team for assistance

What You Cannot Do
- Use the service for illegal activities or fraud
- Attempt to access other users' accounts without authorization
- Reverse engineer or exploit the Chatatin system
- Spread false information about Chatatin
- Use unauthorized bots or automation to access the service

Violations of these terms may result in account suspension or deletion without prior notice.

Data We Collect
We collect your WhatsApp number or Telegram account, financial transaction data you record, and service usage data (for product improvement).

How We Use Your Data
- Provide and improve Chatatin's services
- Send notifications and reminders via WhatsApp or Telegram
- Analyze usage patterns in aggregate (without identifying individuals)
- Process payments and manage subscriptions

Data Security
Your financial data is stored in Supabase with encryption and Row Level Security (RLS) that ensures only you can access your data.

Data Sharing
We do not sell or share your personal data with third parties for commercial purposes. Data is only shared with technical service providers that help us operate Chatatin (e.g., Supabase for the database, Google for Sheets sync).

Data Deletion
You can request deletion of your account data by contacting the Chatatin team. Deletion will be processed within 30 business days.

Termination by User
You may stop using Chatatin at any time. Active paid plans will not be refunded.

Termination by Chatatin
We reserve the right to suspend or delete accounts under the following circumstances:
- Violation of these Terms & Conditions
- Suspicious activity or activity potentially harmful to other users
- WhatsApp number or Telegram account inactive for more than 12 months with no transactions
- Request from legitimate legal authorities

We will attempt to notify users before suspension, except in cases of serious violations.

Effect of Termination
After an account is deleted, all transaction data and financial history will be permanently deleted from our systems after a 30-day retention period.

Chatatin reserves the right to modify these Terms & Conditions at any time based on business needs, legal regulations, or service improvements.

Change Notifications
For significant changes, we will provide notice through:
- WhatsApp or Telegram message to the registered number/account
- Notification in the Chatatin dashboard

Effective Date
Changes take effect on the date stated on this page. Continued use of the service after the effective date constitutes acceptance of the updated terms.

If you disagree with changes to the terms, you have the right to stop using Chatatin's services.

If you have questions, feedback, or complaints regarding the service or these Terms & Conditions, don't hesitate to reach out:

WhatsApp / Telegram Admin: Contact through Chatatin's official WhatsApp or Telegram
Instagram: @chatatindotcom
Email: [email protected]

Our team is available on business days (Monday–Friday, 09:00–17:00 WIB). We are committed to responding to every inquiry within 1×24 business hours.