Terms of Service

Apex (the "Service") is operated by PT BEHIRE INTERNATIONAL INDONESIA ("we"), a limited liability company established under the laws of the Republic of Indonesia, with business registration number (NIB) 0711250095413, of Ruko Jalur Sutera Timur 6B No. 03, Kelurahan Kunciran, Kecamatan Pinang, Kota Tangerang, Provinsi Banten 15144, Indonesia. "You" are the person who creates an account or uses the Service.

[TO BE COMPLETED]Company tax number (NPWP)

By creating an account or using the Service you agree to these Terms. These Terms incorporate, and are inseparable from, the Risk Disclosure, the Privacy Policy, the Acceptable Use Policy, the Refund Policy and the Copyright Policy. If you do not agree, do not use the Service.

You must be at least 18 years old and legally capable of entering into a contract under Indonesian law to create an account. If you create an account for a legal entity, you confirm you are authorised to bind it.

Apex is a web portal and software that publishes market information, analytical tools and investing study material, and carries content from third-party creators. Our registered business activities are commercial web portal and digital platform (KBLI 63122), development of internet trading applications (KBLI 62012), and software publishing (KBLI 58200).

• One person, one account. Creating multiple accounts to collect the free credit grant repeatedly breaches the Acceptable Use Policy.
• You are responsible for keeping your password secret and for all activity on your account. Tell us immediately if you suspect someone else has access.
• The details you give must be accurate and kept current, particularly your email address — it is the channel we use for anything important.
• Accounts are personal. You may not sell, rent, lend or transfer your account or access to it.

The Service is sold as prepaid credits. A credit is a unit of account for using paid features; credits are not money, not a deposit, not a means of payment and not a financial product. Credits bear no interest and carry no entitlement to any return.

Your balance consists of three kinds of credit, with different expiry rules:

Order of consumption. Credits are debited soonest-expiring first: allowance credits, then paid credits, then grant credits. This order maximises the value you receive and cannot be changed.

The signup grant. A new account receives a one-time grant of credits, released after you confirm your email address. The grant is given once per account and never expires. The amount is shown on the pricing page and on the registration page.

Prices and per-action costs. Pack prices, credits per pack, and the credit cost of each paid action are shown in the product and on the pricing page before you take the action. We may change them; changes apply going forward and do not alter the price of a purchase you already paid. The figures that apply are those displayed at the time you buy or run the action.

Insufficient balance. If your balance is not enough for an action, the action is refused and no credits are debited. The Service never allows a negative balance and never bills you afterwards.

Credit reversal on system failure. If a paid action fails because of an error on our side, or because the requested data does not exist, the credits debited are automatically returned to the same credit kinds they were taken from. Requests that fail because of an error in your own input are not reversed. Full terms are in the Refund Policy.

• A subscription plan grants a monthly credit allowance plus higher request rate limits and concurrency. A subscription period runs 30 days.
• The monthly allowance is use-it-or-lose-it: it belongs to the period that granted it and does not roll over.
• An upgrade takes effect once the prorated price difference is paid. A very small proration is waived rather than rounded up.
• A downgrade or cancellation takes effect at the end of the current period. Your plan benefits run to the end of that period. There is no refund for the remainder.
• One-time credit packs and a subscription can run at the same time. Where both are active, the better limit from each applies.

You may stop using the Service at any time. To close your account, send a request to [email protected] from your registered email address. We process this manually; there is currently no self-service closure control, and we say so here rather than promising a button that does not exist.

We may suspend or close your account if you breach this agreement, if required by law, or if your account is used in a way that endangers the Service or other users. For non-serious breaches we will give notice and an opportunity to remedy first. For serious breaches — fraud, payment system abuse, or unlawful activity — suspension may be immediate.

We may discontinue the Service entirely. If we do, we will give users at least 30 days’ notice by email and will stop selling new credit packs from that notice onwards.

This section is the end-user licence for Apex, including our mobile application. There is no separate licence agreement — this section governs.

While you comply with this agreement, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service for your own purposes — personal or internal business. This is a licence to use, not a sale. We and our licensors retain all rights in the software, its interfaces, our marks and the Service’s content.

You may not:

• copy, modify, or create derivative works of the Service software;
• reverse engineer, disassemble or decompile it, except to the extent that cannot lawfully be prohibited;
• remove or obscure copyright notices, trade marks, or the labels marking AI-generated content;
• rent, resell, or make the Service available to third parties as your own service;
• use the Service to build a competing product or to train models on the Service’s output.

More detailed limits on automated access, bulk data extraction and data resale are in the Acceptable Use Policy.

If you obtain our application through an app store, that store’s terms also apply to its download and updates. Where a store’s terms require particular licence terms, those terms prevail over this section to the extent of any conflict, for the copy you obtained from that store.

You keep ownership of the content you create on the Service — comments, ideas, notes and other writing. By uploading or publishing it, you grant us a non-exclusive, royalty-free, worldwide licence to store, display, reproduce and distribute it within the Service as needed to operate the Service.

You confirm you have the rights to the content you upload and that it infringes no one else’s rights. Creators are subject to the broader licence terms in the Creator Agreement.

The Service is provided as is. To the extent permitted by law, we do not warrant that the Service will be uninterrupted or error-free, or that its data and analytical output are accurate, complete or current. We specifically do not warrant any investment outcome.

To the extent permitted by law, we are not liable for trading losses, lost profits, lost opportunity, or indirect loss arising from use of the Service or from investment decisions you make. Our total liability for any claim relating to the Service is limited to the amount you paid us in the 12 months before the event giving rise to the claim.

We may change these Terms. For material changes we will give notice by email or an in-product notice at least 14 days before they take effect. If you do not agree you may stop using the Service before the change takes effect. Continuing to use it after that date means you accept the change.

This agreement is governed by the laws of the Republic of Indonesia. The Indonesian text is the operative and binding version under Law No. 24 of 2009. The English text is a courtesy translation and does not govern.

If a dispute arises, contact us first at [email protected]. We will try to resolve it by discussion within 30 days. If no agreement is reached, the dispute will be settled by the competent court within the jurisdiction of the Republic of Indonesia. This does not prevent you from using any consumer complaint mechanism available to you by law.

If any provision of this agreement is held unenforceable, the remaining provisions continue in full force.