Terms of Service

These Terms of Service (“Terms”) are an agreement between you and Andercompany (doing business as Ander Company, “we”, “us”). They cover andercompany.com, the Teaktree web and desktop apps, your Ander Company account, and the digital products sold in our marketplace (together, the “Services”).

By creating an account, buying a product or otherwise using the Services you agree to these Terms, our Privacy Policy, our Cookie Policy and, for purchases, our Refund Policy. If you do not agree, do not use the Services.

You must be at least 18 years old to create an account. Give us accurate information and keep your password safe. You are responsible for what happens under your account, so tell us at Hello@andercompany.com if you think someone else has access.

Buying from the marketplace requires an Ander Company account. Your receipt and your access link go to the email address on that account, so keep it current.

Marketplace products are digital goods such as templates, guides and courses. Payment is handled by our Merchant of Record, Paddle (Paddle.com Market Ltd and its affiliates). Paddle is the seller of record for your order: it charges your payment method, collects and remits sales tax or VAT where required, and sends your receipt. Paddle’s Checkout Buyer Terms apply to the transaction alongside these Terms.

Prices are shown at checkout, in your local currency where available, and include applicable taxes. Once payment is confirmed we email an access link for the product to your account email. We do not see or store your full card details.

Refunds are covered in our Refund Policy.

When you buy a product you receive a personal, non-exclusive, non-transferable licence to use it for yourself or inside your own household or business. You may adapt a template for your own use.

You may not:

• resell, redistribute, share or publish the product, or the access link, to anyone else;
• present the product as your own work or sell derivatives of it;
• use the product to build a competing template or course offering.

We keep all intellectual property in our products and Services. Nothing here transfers ownership to you.

Teaktree is in open beta and is free to use today. Features can change, break or be removed, and we may introduce a paid tier. We will tell you about pricing before it applies to you.

You own the financial information you enter. You give us permission to store and process it to run the Services, as described in the Privacy Policy. Where you link with a partner, you decide what is shared; summary totals you agree to share are visible to them and your private transaction detail is not.

Everything in the Services, including Teaktree, the Handbook, the Financial Assessment, scores, budget tools, newsletters and marketplace products, is general information and education. It is not financial, investment, tax or legal advice and it does not take your personal circumstances into account. We are not a licensed financial adviser. Decisions you make are yours, so speak to a qualified professional where it matters.

You agree not to:

• break the law or use the Services to defraud or harass anyone;
• probe, scrape, overload or attempt to break into the Services or other users’ accounts;
• upload malware or content you do not have the right to share;
• use automated tools to create accounts or to submit reviews or questions in bulk.

If you post a review, question or message, you keep ownership of it and give us a worldwide, royalty-free licence to display it on the Services and in our marketing. Post only what is true and yours to share. We may remove content that breaks these Terms or the law.

The Services rely on providers such as Paddle (payments), Supabase (accounts and data), Resend (email), PostHog (analytics) and Notion (delivery of some products). Their own terms govern their services, and we are not responsible for outages or changes on their side.

We work to keep the Services available but do not promise uninterrupted access. We may change, suspend or stop any part of the Services, for example for maintenance or when a product is retired. If we withdraw a paid product you have bought, we will refund you for it.

You can stop using the Services and delete your account at any time from your account settings or by emailing us. We may suspend or close an account that breaks these Terms or puts others at risk, and will explain why where we can. Sections that by their nature should survive, including licence limits, disclaimers and liability, continue after termination.

The Services and products are provided “as is” and “as available”. To the extent the law allows, we do not give any warranty that they will be error-free, secure or suitable for your particular purpose, and we do not promise any financial outcome.

To the extent the law allows, we are not liable for indirect or consequential loss, lost profits or lost data, and our total liability to you for anything arising from the Services is limited to the greater of the amount you paid us in the 12 months before the claim and USD 50.

Nothing in these Terms limits liability that cannot be limited by law, or your statutory consumer rights where you live.

We may update these Terms. When the change is material we will tell you by email or in the product before it takes effect. Using the Services after the effective date means you accept the updated Terms.

These Terms and any dispute arising out of or in connection with them are governed by the laws of the Republic of Indonesia. Subject to any mandatory consumer-protection rights you have where you live, the courts of Indonesia have jurisdiction over disputes we cannot settle ourselves.

If something goes wrong, email Hello@andercompany.com first. Most issues get settled quickly that way.

Questions about these Terms? Write to us:

Andercompany
Kencana Loka W2 No. 18
South Tangerang, Banten 15310
Indonesia
Hello@andercompany.com

Or use the contact page.