These Terms & Conditions ("Terms") govern the use of indowaris.com and the IndoWaris mobile app (the "Service"), owned and operated by PT Indo Smart Media ("we"). By creating an account or using the Service you confirm that you have read, understood and agree to these Terms and the Privacy Policy.
1. The Service
IndoWaris provides:
- a family-tree builder;
- inheritance calculation simulations under the Compilation of Islamic Law (KHI);
- chart documents (SVG, PNG, PDF) and presentation decks (PPTX);
- an AI virtual assistant (IndoWarisVA) and AI document reading;
- educational articles about Islamic inheritance.
The whole Service is currently free. We may introduce fees for certain services in the future; prices will be announced in advance and always shown before you pay.
2. Accounts
- To register you must provide your correct name, an active email address and phone number, then verify your email through the link we send. A new account can be used once the email is verified.
- Users under 18 must use the Service with the consent and supervision of a parent or guardian.
- One account per person. Accounts may not be transferred or shared.
- You are responsible for keeping your password confidential and for all activity in your account. Tell us promptly if you suspect misuse.
- For security, an account may be locked temporarily after several wrong passwords.
- You can delete your account at any time from your Profile.
3. Data you enter
- You are responsible for the accuracy and completeness of the family data you enter, including each person's date of death, family relations, marital status and religion.
- You confirm that you are entitled to process those family members' data, for example as an heir or with their consent.
- Results depend entirely on the data you enter. Incorrect or incomplete data will produce incorrect results.
- Your case data remains yours. We process it only to run the Service as described in the Privacy Policy.
4. Results are not legal advice
IndoWaris results are simulations based on the KHI and Religious Court practice, with the scope and limitations described on the Disclaimer page. They do not replace a determination of heirs by the Religious Court, a certificate of heirs issued by an authorised official, a notarial deed or legal advice from an advocate. Decisions you make based on the Service are your own responsibility.
5. AI features (IndoWarisVA and document reading)
- IndoWarisVA answers and document readings are generated by artificial intelligence and may be wrong or incomplete. Double-check any important information.
- Inheritance shares always come from the IndoWaris calculation engine, not from the AI.
- Review every extracted item before approving it; new data is saved only after you approve it.
- AI use is subject to fair limits. Visitors who are not signed in can ask a limited number of questions per conversation and per hour; registered users have a daily quota. Limits may change at any time.
- Conversations with IndoWarisVA are logged to maintain service quality and for internal analysis, as described in the Privacy Policy.
- You may not try to manipulate the AI into producing unlawful content or content outside the purpose of the Service.
6. Payments
- If paid services are enabled, payments are processed by the Xendit payment gateway. The price, service details and payment deadline are shown on the invoice before you pay.
- Access to a paid service opens once payment is confirmed. Invoices not paid by their deadline expire.
- Digital services that have been successfully delivered or downloaded cannot be cancelled or refunded, except in the event of a system error on our side (e.g. you were charged but the service did not unlock, or you were charged twice). Send requests to info@indowaris.com with the invoice number.
7. Prohibited use
You may not:
- use the Service for unlawful purposes, including forging documents, family trees or statements of heirs;
- enter other people's data without a right to do so or to harm others;
- attempt to access other users' accounts or data, test security without permission, or disrupt the system;
- scrape data automatically, overload the system or circumvent usage limits;
- copy, resell or reverse-engineer the IndoWaris software.
Violations may lead to suspension or closure of the account and legal action where necessary.
8. Intellectual property
The IndoWaris brand, logo, design, educational content and software belong to PT Indo Smart Media and are protected by law. Documents you generate from your own data (charts and decks) are entirely yours to use.
9. Availability
We work to keep the Service available and accurate, but it is provided "as is". It may be interrupted for maintenance, updates or events beyond our control. We recommend keeping copies of important downloaded documents.
10. Limitation of liability
To the extent permitted by law, we are not liable for indirect losses arising from use of the Service, including losses caused by incorrect data, decisions on dividing an estate, disputes between heirs or interruption of the Service. Where we are liable, our liability is limited to the fees you paid us for the relevant service in the previous 12 months.
11. Suspension and termination
We may suspend or close accounts that breach these Terms, endanger system security or where required by an authority. You may stop using the Service and delete your account at any time.
12. Changes
We may update these Terms. The latest version is always on this page with the update date at the bottom. Significant changes will be announced by email or in the app. By continuing to use the Service after changes take effect, you accept them.
13. Governing law and disputes
These Terms are governed by the laws of the Republic of Indonesia. Disputes about the Service are first resolved by mutual deliberation. If no agreement is reached within 30 days, the dispute is settled by the competent court in Indonesia.
14. Contact
PT Indo Smart Media — Jalan Crusher No. 26, Arcamanik, Bandung, West Java 40293, Indonesia · info@indowaris.com · +62 811-9629-391
Last updated: 2026-09-26