Terms of Service

Definition

PT Monoru Teknologi Indonesia (hereinafter referred to as “Monoru” in these Terms of Service) is a provider of an expense and procurement software platform.
Client is any legal entity or individual that uses the services of PT Monoru Teknologi Indonesia (“Monoru”), represented by its relevant highest order management, and thereby agrees to all provisions in these Terms of Service.
Procurement refers to the procurement feature within the Services that facilitates the process of creating requests, approvals, and purchasing goods and/or services from Vendors by the Client and/or its Employees and Authorized Users.
Expense refers to the feature within the Services that enables the Client and/or its Employees and Authorized Users to electronically record, track, manage, and report operational or business expenses.
Services refers to the software-as-a-service (SaaS) platform, website, mobile application, and all features provided by Us (including but not limited to the Expense and Procurement features) accessed and used by the Client and/or its Employee and Authorized Users.
Employee refers to any individual who has a valid employment relationship or contract with the Client.
Authorized Users refer to any Employee who is legally appointed by the Client to represent the Client in its relationship with Monoru.
Vendor(s) refers to any third party (whether a business entity or an individual) appointed by the Client to provide goods and/or services through the Procurement feature within the Services.
Trial Phase refers to the limited access to the Services granted by Monoru exclusively on an on-demand basis for a specified period, provided solely for the purpose of allowing the Client and/or its Employees and Authorized Users to evaluate the suitability of the Services.
Instruction refers to any order, directive, communication, or operational activity performed by the Client and/or its Employees and Authorized Users within the Services that does not involve the actual transfer of funds (non-financial activity) using Monoru’s and/or Monoru’s Strategic Partners’ infrastructure.
Infrastructure refers to all facilities, including technical, physical, systems, hardware, software, or connectivity networks required to provide, access, or use Monoru services.
Transaction refers to any activity, order, or invoice settlement within the Services that triggers a financial payment obligation or involves the actual transfer of funds, whether directed to Us or to a Vendor, or any payment in relation to the Client’s Subscription plan using Monoru’s and/or Monoru’s Strategic Partners’ infrastructure.
Credentials refers to the username, password, Personal Identification Number (PIN), authentication token, or any other security identification information used by the Client and/or its Employees and Authorized Users to access the Services.
Handling Fee refers to an additional charge imposed on the Client specifically for the processing of third-party payment methods for a Transaction (e.g., interbank transfer fees, payment gateway fees, or virtual account fees).
Service Fee refers to the total monetary amount payable by the Client to Monoru in consideration for the provision and use of the Services. The Service Fee shall expressly include, but is not limited to, the periodic Subscription Fee required for platform access, as well as any applicable administrative charges, transaction processing fees, or other costs incurred through the Client's utilization of features in Monoru.
Rooted Device refers to a mobile device with an Android, Linux, or other operating system where the security controls of the operating system have been disabled, bypassed, or modified.
Jailbroken Device refers to a mobile device with an iOS/macOS operating system where the security controls of the operating system have been disabled, bypassed, or modified.
Account Takeover refers to any form of unauthorized access, takeover, or misuse of a Client’s account by a third party, whether intentional or unintentional, which may compromise or disrupt the integrity of such account.
Business Day/Bank Business Day refers to any day other than Saturday, Sunday, or any official national holiday and collective leave designated by the Government of the Republic of Indonesia, during which commercial banks in Indonesia are open for clearing and fund transfer activities.
Derivative Work refers to any adaptation, modification, or result derived from Monoru’s technology, software, content, or processes, including but not limited to any work that bears a substantial similarity to Monoru’s protected intellectual property.
Force Majeure refers to any event or condition beyond the reasonable control of the affected Party that objectively prevents or delays the fulfillment of obligations under these Terms of Service, including but not limited to natural disasters, acts of war, riots, pandemics, restrictive government policies, as well as system failures or disruptions in third-party infrastructure such as telecommunications networks, the internet, or banking systems.
AML-CFT refers to the Anti-Money Laundering and Countering the Financing of Terrorism regulations as stipulated in the applicable laws and regulations in Indonesia.
Intellectual Property Rights refers to all intellectual property rights owned by Monoru, including but not limited to copyrights, patents, trademarks, trade secrets, business names, designs, techniques, program code, APIs, documentation, service platforms, and all their Derivative Works. This definition also includes any feedback, suggestions, or ideas submitted by the Client regarding the Services.
Privacy Policy refers to Monoru's policy governing the processing and protection of Personal Data, as published on the Monoru website and subject to updates from time to time.
Strategic Partners refers to third parties collaborating with Monoru to support the provision of Services, including but not limited to banking institutions, Fund Transfer Operators (PTD), Payment Service Providers (PJP), payment gateways, electronic identity providers (e-KYC), and/or other technology infrastructure providers holding official licenses from authorized regulators (such as Bank Indonesia or the Financial Services Authority/OJK) to process instructions and transactions within the Services.

Account Registration

Registration Requirements
To access the Services, the Client must register an account through the Monoru system. Account ownership status shall only be considered valid after the Client has completed the entire registration and verification process established by Monoru.
Supporting Documents
During the registration stage, Monoru requires supporting documents from the Client, pertaining to both the Client’s business entity profile and the identity of the Client’s authorized representative.
Monoru's Rights and Discretion
Monoru reserves full authority to manage the registration process, including:
1. Data Verification: Receiving and managing Client data, including but not limited to Authorized Users and/or Employee accounts, for verification purposes in accordance with the policies of Monoru, its Affiliates, and Strategic Partners.
2. Feature Provisions: Establishing procedures for the use of features, payment methods for subscription fees, and transaction limits (specifically for certain Procurement features).
3. Fee Assessment: Determining Service Fees and service charges related to the use of the platform.
Restriction on Unauthorized Use
Full access to Monoru's Services is restricted and may only be accessed by Clients who have officially completed the registration process.
1. Trial Phase: Clients are permitted to utilize the Trial feature as a simulation phase prior to the official approval of their account.
2. Sanctions for Violation: In the event of unauthorized commercial use of the Services without following the formal registration procedures, Monoru reserves the right to suspend the account, claim damages, and pursue other legal remedies in accordance with applicable laws and regulations.

Trial Phase

Monoru grants access to a test environment (“Trial Phase”) to certain parties (“Trial Users”) for the purpose of technical evaluation and service feature testing. By accessing the Trial Phase feature, the Trial Users understand and agree to the following terms:

Limited Purpose: The Trial Phase is provided exclusively for simulation and technical testing and shall not be used to process real transactions, real data, or any other business operational activities.
No Legal or Financial Consequences: All data, instructions, and results generated within the Trial Phase are fictitious and shall not create any legal obligations or financial consequences whatsoever for any party.
Performance Variations: Features, functions, and performance in the Trial Phase environment may differ from the official production (Live) environment and may be modified or discontinued at any time by Monoru without prior notice.
Disclaimer of Liability: Monoru provides the Trial Phase on an "as is" basis and shall not be liable for any losses, data errors, or technical impacts arising from the use of the Trial Phase by the Trial Users.
Periodic Data Deletion: Monoru reserves the right to delete all data inputted into the Trial Phase periodically or at any time without prior notice to the Trial Users.
At any time, including but not limited to during the Trial Phase, any party is strictly prohibited from performing data scraping, reverse engineering, or any other exploitative actions against Our systems and their Derivative Works.

Rights and Discretion

Monoru reserves full authority to manage the registration process, including:

Data Verification: Receiving and managing Client data, including but not limited to Authorized Users and/or Employee accounts, for verification purposes in accordance with the policies of Monoru, its Affiliates, and Strategic Partners.
Feature Provisions: Establishing procedures for the use of features, payment methods for subscription fees, and transaction limits (specifically for certain Procurement features).
Fee Assessment: Determining Service Fees and charges related to the use of the platform.
Verification and Eligibility: Receiving and verifying Client data in accordance with applicable regulations in Indonesia, including but not limited to Indonesian laws and regulations, as well as Monoru's internal policies or those of its Strategic Partners.
Operational Provisions: Establishing procedures for feature usage, Service Fee payment methods (including subscription payments), and transaction limits for Procurement features that utilize the platform's payment system.
Fee Determination: Determining the fee structure for subscriptions, per-transaction Service Fees (including customization fees and late payment penalties) charged to the Client.
System Updates: Modifying features or adjusting fees. Monoru shall provide notification of material changes, and continued use of the Services after 30 (thirty) calendar days shall be deemed as the Client’s full acceptance.
Strict Measures: Suspending access or terminating accounts if any use of the Services without valid registration is detected or if there is any indication of illegal activity.

Your Rights

Right of Access: The Client and/or its Employees and Authorized Users have the right to choose and access the services provided by Monoru, provided that they comply with the terms of use and requirements set forth in these Terms of Service.
Right to Complain: The Client has the right to submit complaints or inquiries regarding the services through the designated customer service channels provided by Monoru.
Right to Terminate: The Client has the right to cease using the services or close its accounts at any time by following the account closure procedures available on our platform.

Your Obligations

Account Legality and Security
1. Data Validity: The Client guarantees that all data submitted for verification purposes, including both entity data and Employee data (including Authorized Users), is accurate, up-to-date, and legitimate.
2. Business Licensing: The Client warrants that it holds all valid business licenses and is responsible for ensuring that its business activities do not violate any applicable laws in Indonesia.
3. Access Security: The Client is obligated to maintain the confidentiality of its account credentials and to provide secure internet infrastructure. Any account misuse resulting from the Client’s negligence shall be solely the Client’s responsibility.
4. Appointment of Authorized Users: The Client is obligated to appoint Authorized Users with full legal capacity to take roles in Monoru. Any action taken by the Client and/or its Employee and Authorized Users shall be deemed valid and binding upon the Client.
5. Privacy Consent: The Client guarantees that valid consent has been obtained from each Authorized Users and/or Employee as the data subject regarding the collection, storage, and processing of their data by Monoru for the purpose of providing the Services.
6. Strategic Partners Terms: The Client understands that the scope of features and access rights on the dashboard are determined based on the selected Subscription Plan. In the event of integration with our Strategic Partners (such as banks or payment providers), the Client acknowledges that such services are subject to the terms and availability of those Strategic Partners, and the Monoru shall not be held liable for any delays, failures, or errors occurring within the Strategic Partners’ system.
7. Compliance Obligations: As a material condition for using integrated features, the Client expressly agrees to strictly comply with all applicable Terms of Service and acceptable use policies imposed by the Strategic Partners. Any failure to comply with the Strategic Partner's terms shall be deemed as a material breach of these Terms of Service.
Employee Account Management
1. Responsibility for Activity: The Client assumes full responsibility for all actions and obligations performed or created by its Authorized Users and/or Employees within the platform, whether financial or non-financial.
2. Status Updates: The Client is obligated to independently deactivate the access of any Authorized User and/or Employee who is no longer employed or whose authority has changed. Monoru shall be released from any liability for transactions arising from the Client’s failure to update the status of such Authorized Users and/or Employees.
3. Employment Relationship: The use of the Services does not create any employment relationship between Monoru and the Client’s Authorized Users and/or Employees.
Data and Final Instructions
1. Accuracy and Consent: The Client warrants that all data provided is accurate and that the necessary consent has been obtained from Authorized Users and/or Employees for the processing of their personal data by Monoru.
2. Finality of Transaction and Instructions: All transactions and instructions submitted through the system are final and cannot be revoked. In the event of a data dispute, Monoru’s internal records shall serve as the primary and binding reference.
3. Risk Mitigation: The Client is obligated to independently verify any suspicious transactions. Any losses arising from erroneous instructions shall be borne entirely by the Client.
4. Access Credentials: The Client is solely responsible for maintaining the confidentiality and security of all account credentials, including usernames, passwords, and any other authentication methods. All activities, instructions, or transactions performed under the Client's account shall be deemed authorized actions of the Client, and Monoru is under no obligation to verify the identity of the person utilizing such credentials unless otherwise specified by the platform's security features. Monoru shall not be liable for any losses, claims, or damages arising from the Client's failure to maintain the confidentiality of their account or their failure to promptly report unauthorized access. The Client must immediately notify Monoru immediately upon discovering any suspected security breach, and the Client acknowledges that Monoru reserves the right to suspend account access at any time if activities are detected that threaten system security or indicate fraudulent behavior.
Financial Obligations
1. Payment of Invoices: The Client is obligated to settle all invoices (including Subscription Fees, Services Fees, Customization Fees, and penalties, if any) in a timely manner.
2. Prohibition of Additional Fees: The Client is strictly prohibited from imposing any surcharges on any party for the use of the Monoru system. All Service Fees charged by Monoru shall be solely borne by the Client.
Relationship with Third Parties
1. The Client is obligated to comply with all terms imposed by Monoru’s Strategic Partners.
2. The Client is obligated to fulfill all commitments to its own customers. Monoru shall not be liable for any disputes regarding the quality of goods/services or delays between the Client and such third parties.

Subscription Plan and Financial Terms

Subscription Plan and Roles
1. Subscription Roles: In using Monoru’s Services, Client may assign the following roles to its Employees and/or Authorized Users:
  1. Super Admin
  2. Admin
  3. Finance / Releaser
  4. Manager / Approver
  5. Procurement / Purchaser
  The Client is fully responsible for determining and assigning such roles to its Employees and/or Authorized Users. The Client acknowledges that each role carries different functional authorities within the Dashboard, and agrees to indemnify and hold Monoru harmless from any claims or losses arising from the Client's internal configuration errors or misuse of such roles.
2. Selection of Plan: The Client is required to select one of the Subscription Plans available on the Monoru platform to access certain features.
3. Validity Period: Subscription Plan shall be automatically renewed monthly unless the Client modifies or terminates the plan via the Dashboard prior to the expiration of the current period.
4. Upgrade: The Client may upgrade the Subscription Plan at any time, and the price adjustment shall be calculated on a pro-rata basis.
5. Downgrade by Cancellation: In the event the Client elects to cancel the Subscription Plan prior to the end of the active period, the following terms shall apply:
  1. Retention of Service: The Subscription Plan shall remain active, and Paid Plan features will remain accessible until the end of the current paid billing period.
  2. No Pro-rata Refunds: There shall be no additional balance or refunds provided for any pricing difference, remaining or unused portion of the current subscription period following the cancellation.
  3. Post-Expiration Status: Upon the expiration of the active period, the account shall automatically be downgraded to the Basic Plan or otherwise restricted in accordance with Monoru’s applicable policies.
6. Downgrade Due to Late Payment: Should the Client fail to settle the subscription fees by the designated due date, the system will automatically downgrade the account status from a Paid Plan to the Basic Plan (free) after the Grace Period expires. For plan downgrades, the changes shall become effective in the subsequent billing period.
7. Renewal Notification: Monoru shall send a reminder notification to the Client at least 7 (seven) calendar days prior to the subscription expiration date to settle the renewal payment.
8. Grace Period: If the payment is not received by the due date, the Client will be granted a Grace Period of 1 (one) calendar month. During this period, the Client shall retain full access to the Paid Plan features.
9. Automatic Downgrade: If the outstanding balance remains unpaid upon the expiration of Grace Period, the system will automatically downgrade the account status to the Basic Plan on the following day.
10. Post-Grace Period Consequences: Upon automatic downgrade, all feature and data limitations under the applicable Downgrade Policy shall apply.
11. Grace Period Terms: Monoru may, at its sole and absolute discretion, refuse to grant or revoke any Grace Period at any time without prior notice. The granting of a Grace Period shall not constitute a waiver of the Client’s payment obligations. The Client remains fully liable for all Service Fees accrued during the Grace Period.
12. Cancellation: Cancellation of a Subscription Plan does not discharge the Client’s obligation to settle any outstanding or accrued invoices.
Service Fees and Payment Mechanism
1. Payment Obligation: The Client is obligated to pay the Subscription Plan fees and other Service Fees in accordance with the applicable pricing schedule.
2. Billing System: Monoru shall issue invoices periodically. The Client is required to settle such invoices within no later than 7 (seven) bank working days from the invoice receipt date.
3. Taxes: All fees are net (excluding VAT/Income Tax). The Client is solely responsible for all applicable tax obligations and must provide Monoru with the relevant withholding tax documents.
4. Default in Payment: In the event of late payment, Monoru reserves the right to suspend access to the Services until all outstanding amounts are fully settled.
Refund Terms
1. Proactive Refund: Once the Client creates a transaction and such transaction is being processed, the transaction shall generally be considered final and non-refundable. . Refunds may only be accepted and/or done in accordance with these Terms of Service and/or the internal regulation of our Strategic Partners.
2. Limitation of Refund: Refunds cannot be processed under the following conditions:
  1. Plan changes (upgrade or downgrade)
  2. Subscription cancellation during the active period
  3. Client’s inactivity in using the Services
  4. Client errors in using the system
  5. Client errors in providing payment data or payment instructions
3. Allowed Refund Terms: Allowed refund terms are as follows:
  1. Refunds may only be processed if a duplicate payment occurs for the same subscription period and after Monoru successfully verifies such duplicate payments.
  2. Refunds shall be strictly limited to the excess payment amount.
  3. Refunds will be processed within a maximum of 7–14 bank working days after successful verification.
  4. Aside from verified duplicate payments, all upgrade payments are final and non-refundable.
4. Monoru reserves full right to delay, accept and/or reject any refund request from Client.
Execution of Instructions and Transactions
1. Validity and Finality: Every Instruction and/or Transaction submitted through the Client’s account shall be considered valid, final, binding, and irrevocable.
2. Client’s Responsibility: Monoru acts based on its system and shall not be held liable for any input errors, negligence, or account misuse committed by the Client or its Authorized Users and/or Employees.
3. Financial Obligation: The Client acknowledges that every Transaction processed through the Services creates a valid payment obligation to Monoru and/or the relevant Vendor.
4. Strategic Partner Withdrawal: The Client acknowledges and agrees that Monoru does not hold a license from Bank Indonesia to operate as a payment service provider or to manage funds. Accordingly, all actual financial transactions are executed by Monoru’s designated Strategic Partners. Such Strategic Partners may independently deduct, withhold, or withdraw funds from the Client, whether arising from a transaction processed through the Services or due to other circumstances as stipulated in the Strategic Partner's own terms and policies. The Client expressly acknowledges that they have read, understood, and agreed to be legally bound by the applicable Terms of Service of such Strategic Partner.
Monoru’s Rights of Supervision and Refusal
1. Monitoring: Monoru reserves the right to monitor the activities of Authorized Users and/or Employees to ensure compliance with these Terms of Service and applicable laws and regulations.
2. Right of Refusal: Monoru reserves the right to reject or delay any Instruction or Transaction in the event of:
  1. Indications of fraud, money laundering, or other illegal activities.
  2. Incomplete or inaccurate supporting data provided by the Client.
  3. Potential technical or operational risks to the security of Monoru’s system.
Disputes and Audit Right
1. Reporting Limitation: The Client is required to report any data errors or Transaction disputes within a maximum of 14 (fourteen) bank working days after the Transaction is completed. Beyond such period, the Transaction shall be deemed valid and final.
2. Audit Rights: Monoru reserves the right to conduct compliance audits regarding the Client's use of the system. If a material breach is identified, the Client shall bear the audit costs and undertake the required corrective actions.
Intellectual Property Rights (IPR) and Data Analysis
1. Ownership: All systems, software, logos, and the name "Monoru" are the exclusive property of Monoru. The Client is granted only a limited right of access during the subscription period.
2. Marketing Reference: The Client grants Monoru permission to use the Client’s name and/or logo in marketing materials as a reference to an official customer relationship.
3. Data Analysis: Monoru reserves the right to process data anonymously (insights) to improve service quality while maintaining the privacy protection of the Client and its Employees.

Prohibitions of Usage

The Client is strictly prohibited from engaging in, or permitting any party to engage in, the following actions:

Illegal Activities and Legal Violations
1. Utilizing the Services for fraudulent activities, money laundering, terrorism financing (AML-CFT), or any other actions that violate the applicable laws and regulations in Indonesia.
2. Conducting business activities through the platform that are contrary to public decency, intellectual property rights (IPR), or financial and telecommunications regulations.
3. Altering the nature of business activities to become illegal or materially different from the legal documentation registered with Monoru.
System Attacks and Disruptions
1. Interfering with the functionality, stability, or security of Monoru’s infrastructure, including distributing viruses, malware, or any other malicious code.
2. Accessing the system using automated tools (bots, scripts, spiders, crawlers, scrapers) that may place unreasonable load on the servers.
3. Utilizing the Services on devices with compromised security systems (rooted devices or jailbroken devices). Monoru reserves the right to unilaterally block access from such devices to ensure overall system security.
Manipulation and Business Competition
1. Engaging in transaction manipulation, account takeover, or any action intended to compromise the integrity of data on the platform.
2. Utilizing Monoru’s features or infrastructure to promote the products or services of direct or indirect competitors.
3. Using access to the Services to study, replicate, or develop similar systems for the purpose of unfair business competition.

Limitation of Liability and Indemnification

"As Is" Statement: The Monoru services are provided on an "as is" and "as available" basis. Monoru does not warrant that the system will always be free from technical disruptions beyond its reasonable control. The Client uses the Services at its own risk.
Limitation of Liability: In the event of a system failure that cannot be excluded by law, Monoru’s liability shall be limited to:
1. Repairing or replacing the system; or
2. Reimbursing reasonable costs associated with such repair or replacement (subject to Monoru’s sole discretion).
Client Warranties: The Client warrants that:
1. The Client is a legally capable individual or a validly existing legal entity under the laws of the Republic of Indonesia or other relevant jurisdictions, and possesses all necessary licenses to conduct its business.
2. The Client possesses full legal capacity and authority to use the Services.
3. All Employee and/or Authorized User data and business documents provided to Monoru are valid, legitimate and accurate.
4. Any individual acting for and on behalf of the Client in registering, accepting these Terms of Service, issuing Instructions, or executing Transactions is a duly authorized representative with full authority under the Articles of Association, internal regulations, or a valid Power of Attorney to legally bind the Client.
5. The Client is not involved in any bribery, money laundering (AML), or terrorism financing (CFT) activities.
6. The Client has obtained all necessary consents from Authorized Users and/or Employees for the processing of personal data by Monoru.
Indemnification: The Client agrees to release and indemnify Monoru from and against any claims, liabilities, damages, or losses arising from:
1. Disputes between the Client and its Authorized Users, Employees, or any third party (including Vendors).
2. Disruptions caused by third parties, including banks, telecommunications operators, or Strategic Partners.
3. Fraudulent Transactions conducted through the Client's account. The final decision regarding any fraud investigation shall remain the sole prerogative of Monoru.

However, for any fraud case or disruption affecting the Client, Monoru will provide technical support services on a best-effort basis.

Force Majeure and Termination

Force Majeure: The performance of obligations shall be suspended in the event of circumstances beyond the reasonable control (e.g., natural disasters or massive system failures). The Client or Monoru must provide notice within a maximum of 5 (five) calendar days for natural disasters, or 1 (one) calendar day for system failures.
Termination of Services: Monoru reserves the right to unilaterally terminate or block access to the Services if:
1. The Client breaches these Terms of Service;
2. There is an indication of system misuse or security risks;
3. Monoru determines, upon reasonable grounds, that the continuation of Services to the Client poses an unacceptable financial, legal, or operational risk to Monoru; or
4. The Client becomes insolvent or bankrupt.
Consequences of Termination: Upon the termination of Services:
1. The access rights of the Client and its Employees (including Authorized Users) shall be revoked immediately;
2. The Client is obligated to settle all outstanding Service Fees within 30 calendar days for reasons stipulated in clause a to c or immediately for reasons stipulated in clause d in “Termination of Service” terms; and
3. Monoru reserves the right to initiate collection efforts for any unresolved financial obligations.

General Provisions

Governing Law: These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of Indonesia. The parties hereby submit to the exclusive jurisdiction of the courts of the Republic of Indonesia.
No Waiver: The failure of Monoru to enforce any right or provision under these Terms of Service shall not constitute a waiver of such right or provision.
Modification: We may modify these Terms of Service from time to time and will notify you of such changes. You may review the latest version of these Terms of Service at any time by visiting our website. You are not automatically bound by any changes to these Terms of Service, and you may cease using the Services if you do not agree with any modification or amendment. However, if you continue to use the Services after the effective date of such modification or amendment, you shall be deemed to have accepted the updated Terms of Service. You agree not to modify these Terms of Service, and any attempt to do so shall be deemed void.
Severability: If any provision of these Terms of Service is found to be invalid by an arbitrator or a court of competent jurisdiction, the parties agree that such arbitrator or court shall endeavor to give effect to the parties' intentions as reflected in the provision, and the remaining provisions of these Terms of Service shall remain in full force and effect.
Governing Language: These Terms of Service are created in both Indonesian and English. The governing language of these Terms of Service shall be English. In the event of any conflict or inconsistency between the two versions, the English version shall prevail.
Third-Party Links: Any external links to third-party websites are provided for your convenience. Such websites are not controlled by us in any way, and we are not responsible for the accuracy, completeness, legality, or any other aspect of such websites, including any content contained therein. You access such websites at your own risk.
Intellectual Property Rights: By using our Services, we grant you the right to use the Service in accordance with these Terms of Service and for no other purpose. Please note that the elements of the website or application, including all parts of the Services (“Intellectual Property”), are owned by us and/or our suppliers (where applicable) and are protected by copyright and trademark laws in relevant jurisdictions, international treaty provisions, as well as these Terms of Service.

Security

At Monoru, we prioritize the security and integrity of your business data. While our platform is designed to provide a safe and secure environment for your expense and procurement operational workflows, we strongly advise you to exercise caution when approving or verifying procurement requests.

Be wary of suspicious transactions or irregular requests that appear inconsistent with your business operations, as such activities may indicate internal or external fraud. You are solely responsible for verifying your procurement data and maintaining the confidentiality of your account credentials. Please immediately report any suspicious activities or potential phishing attempts to our Customer Support team.

Monoru shall not be held liable for any losses arising from erroneous instructions or unauthorized access resulting from the Client’s failure to properly manage account security and/or credentials.