Terms & Conditions
1. Welcome to Tenfold
Welcome to Tenfold! We are committed to helping users take control of their financial future by offering intuitive financial planning tools. These Terms and Conditions ("T&C") govern your use of our services. By accessing or using Tenfold, you agree to these T&C. If you do not agree, please do not use our services.
2. What is Tenfold?
Tenfold is a one-stop platform for financial growth and discipline designed to help users make informed decisions regarding their finances. Our features include:
Retirement Calculator: Helps users estimate their retirement needs based on income, expenses, and expected returns.
Budgeting Recording: Enables users to track income and expenses for better financial planning.
Portfolio Optimizer: Provides asset allocation suggestions and an asset survivability probability calculation using our proprietary technology, helping users understand the likelihood of their portfolio sustaining future financial needs and volatility.
Tenfold is not a financial advisory service and does not provide personalized investment recommendations. The information provided is for educational purposes only.
3. General Provisions
3.1 Acceptance of Terms: By creating an account or using Tenfold, you acknowledge and agree to comply with these T&C.
3.2 Modification of Terms: We may update these T&C from time to time. We will notify users of any significant changes, and continued use of Tenfold constitutes acceptance of the revised terms.
3.3 Eligibility: You must be at least 18 years old or the legal age of financial responsibility in your jurisdiction to use Tenfold.
3.4 Account Security: You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account. Notify Tenfold immediately of any unauthorized account use.
3.5 Intellectual Property Rights: All content, including text, graphics, and logos, is owned by Tenfold or its licensors. Users may not reproduce, distribute, or modify any part of the platform without explicit permission.
4. Usage Conditions
4.1 Permitted Use:
Users may use Tenfold solely for personal, non-commercial financial management and planning purposes.
Any attempt to reverse engineer, resell, or exploit Tenfold’s features for unauthorized purposes is strictly prohibited.
4.2 Prohibited Activities:
Users must not engage in fraudulent activities, including providing false financial information.
Users must not use automated tools, scripts, or bots to manipulate platform features.
Any attempt to disrupt or interfere with Tenfold’s services, including hacking or bypassing security measures, is prohibited.
4.3 User Responsibilities:
Users must ensure that their provided financial data is accurate and up to date.
Users are responsible for their own financial decisions and should not solely rely on Tenfold’s calculations or recommendations.
Users must comply with all applicable laws and regulations when using Tenfold.
5. Disclaimer
Tenfold and its features are intended for educational and informational purposes only. We do not provide financial, investment, or legal advice. Please consult with a licensed financial advisor before making any financial decisions.
6. Alpha/Beta Features
6.1 Retirement Calculator:
The Retirement Calculator provides estimations based on user-inputted data.
Results are for informational purposes only and should not be considered financial advice.
Tenfold is not responsible for inaccuracies due to user-provided information.
6.2 Budgeting Recording (Income & Expenses)
Users can manually input and track their income and expenses.
The feature is designed to help users gain financial insights but does not replace professional financial planning.
Data security is a priority, and we will take necessary precautions to protect user information.
6.2 Budgeting Recording (Income & Expenses)
Users can manually input and track their income and expenses.
The feature is designed to help users gain financial insights but does not replace professional financial planning.
Data security is a priority, and we will take necessary precautions to protect user information.
6.3 Portfolio Optimizer
This feature provides asset allocation recommendations based on our proprietary technology.
Recommendations are based on user-inputted stock selections and are not personalized investment advice.
Users should conduct their own due diligence before making investment decisions.
7. Limitation of Liability
7.1 Tenfold does not provide financial, legal, or tax advice. The information and recommendations offered by the platform are for educational purposes only.
7.2 Tenfold is not responsible for any financial decisions users make based on the platform’s insights.
7.3 Users acknowledge that market conditions can change and that financial predictions may not always be accurate.
7.4 While Tenfold strives for accuracy, we do not guarantee that all information provided is completely error-free or up to date.
8. Data Collection and Privacy
8.1 What Information We Collect
Tenfold collects financial data that users manually input, including income, expenses, and investment preferences. With user permission, we may also collect financial information from push notifications on your device. This includes transaction-related messages (e.g., salary deposits, e-wallet spending alerts) from banks, digital wallets, or similar services. Only notifications relevant to financial tracking are collected.
8.2 Push Notification Access and Usage
To automate income and expense tracking, Tenfold may request access to read your device’s push notifications. Upon your explicit consent:
Notification content is securely transmitted to our servers.
We extract only the relevant financial data (e.g., transaction amount, merchant name, timestamp).
Non-financial or unrelated notifications are ignored and not stored.
All collected data is encrypted in transit and at rest.
You may revoke this access at any time via your device settings.
8.3 How We Process and Use Your Information
Collected data—whether manually inputted or retrieved from push notifications—is used to:
Provide automated and accurate income/expense recording.
Offer financial insights, budgeting tools, and portfolio optimization features.
Improve platform functionality and personalization.
8.4 Data Sharing
Data may only be disclosed to comply with applicable laws or legal requests. We may use anonymized, aggregated data internally for research and service improvement.
8.5 Data Security
We implement security measures to protect your data against unauthorized access. This includes encryption, access controls, and regular audits. Users are responsible for maintaining the confidentiality of their account credentials.
9. Governing Law and Dispute Resolution
9.1 The laws of Indonesia govern these T&C.
9.2 Any disputes arising from these T&C shall be resolved through arbitration or mediation, as applicable under the governing law.
10. Contact Information
If you have any questions or concerns regarding these T&C, please contact us at email: support@tenfold.id