Terms of Service: the Arok AI relay

Last updated: 2026-08-17

These terms cover the Arok AI relay: the optional, paid service that answers Arok's AI requests using Arok's own provider account, so that you do not have to open one.

They do not cover the Arok app itself, which is free to use.

Section 1 is the one that decides whether the rest matters to you.

1. The app is free, and keeps working without this service

Arok runs entirely in your browser. Your accounts, transactions and balances are stored on your own device. They are never sent to us, with a licence or without one.

Everything below concerns one convenience: letting our provider account carry your AI requests. You can use Arok's AI features permanently, at no cost, without ever buying a licence, in either of two ways:

• On device: typing a transaction is always read on your phone, on every plan. No key, no network, no request. It works on a plane.
• Your own key or account: your own Anthropic, Google or OpenRouter credentials, billed to you by them, with nothing routed through us. Connecting an OpenRouter account takes one tap and gives access to models that provider offers free of charge.

If this service stops tomorrow, your ledger, your backups, and both of those paths are unaffected. That is a consequence of how the app is built rather than a promise we are asking you to take on trust: the app has no account system and no server holding your data to lose.

2. What a licence is

A licence key lets our relay carry your AI requests for a period, up to a usage allowance per period shown in the app. There are two ways to buy one, and they differ in one respect that matters, so the app tells you which you are buying before you pay:

• Bought on the web, it is a prepaid pass. It runs for the period bought (30 days, 3 months, 6 months or one year) and then stops. Nothing renews automatically, no card is stored, and there is nothing to cancel.
• Bought in the Android app from Google Play, it is a subscription. It renews, and it is billed by Google, until you cancel it. You cancel in Google Play, not here: we cannot cancel it for you, and the app links you to the right page. Cancelling stops the next renewal and leaves the period you have already paid for running to its end.

When a licence ends either way, the AI features simply fall back to the free paths in §1 and the rest of the app is untouched.

• It is not a purchase of the app, which is free, nor of your data, which is already yours and already on your device.
• It is for one person. You may use your key on your own devices. Sharing, reselling or distributing it is not permitted, and a key being used as though it were shared may be suspended (§8).

We may issue a licence by hand, for testing, support, or goodwill. Such a licence is subject to these same terms and carries no refund entitlement, having cost nothing.

3. The usage allowance

Each licence carries a usage allowance, metered by what the AI providers themselves report and displayed in Settings → AI features so you can see it before you reach it.

The allowance follows your pass, not the calendar. A pass is divided into equal periods of about 30 days counted from the moment it is issued, so a 30 day pass carries one allowance, a 3 month pass three, a 6 month pass six and a one year pass twelve. Nothing resets on the 1st of the month. The app shows you the date your allowance renews, or the date it ends where it is the last period your pass has.

The allowance is a hard limit, not a soft one: when it is reached, the relay stops accepting new AI requests until your next period begins, and a 30 day pass has no next period. We do this rather than bill you for an overage you did not agree to.

Reaching the allowance does not end your pass and does not affect anything else in the app. You can keep using AI immediately by switching to your own key or account (§1), which is why that option stays a tap away rather than being buried.

Allowances are generous relative to ordinary use and are stated in the app. We may raise an allowance at any time. We will not lower the allowance on a pass you have already bought.

4. Payment

Prices are shown in Philippine pesos in the app before you buy, and are inclusive of any Philippine taxes that apply to them.

Payment is taken by PayMongo, our payment processor, on their own page. Your card details, wallet login and email address are entered there and never reach us: what returns to Arok is confirmation that a payment succeeded, and nothing else. PayMongo's own terms and privacy notice govern that step.

Your licence key is shown on screen immediately after payment, and again whenever you revisit the link in your PayMongo receipt. Keep that receipt: it is how you recover a key you lose, and because we hold no account for you, it is the only thing tying a payment to a licence.

In the Android app from Google Play, Google takes the payment instead, on its own sheet and under its own terms, and Google is the seller of that subscription. Prices there are set and shown by Google and may differ from the web ones. Your card details and your Google account never reach us: what reaches us is the receipt Google gives the app, which we check with Google before turning your licence on. There is no key for you to keep on this path: the app stores it for you, and asks Google for it again if you reinstall.

5. Refunds

We would rather refund you than argue with you. A ₱99 dispute costs everyone more than ₱99.

• Within 7 days of purchase, if you have used less than a quarter of the pass's current allowance: a full refund, no reason needed. Ask and it is done.
• After that, a pass is not refundable for the time remaining on it. It is prepaid, like load, it runs to its end date, and you keep using it until then.
• If the relay is unavailable for more than 72 consecutive hours during your pass, ask and we will refund the unused portion, or extend the pass by the outage, whichever you prefer.
• If we end the service while your pass is running, we refund the unused portion without your having to ask (§9).

Refunds are returned through PayMongo to the payment method that made the purchase, which is usually a few working days. A refunded licence is deactivated at the same time.

A subscription bought through Google Play is refunded by Google, under Google's own refund policy, because Google took the payment. Ask Google first: their policy is more generous than ours in the first 48 hours and they can act on it immediately. If Google declines and you think one of the cases above applies to you, ask us anyway and we will make it right the way we would on the web.

Nothing here removes rights the Consumer Act of the Philippines gives you. Where these terms and that law disagree, the law wins.

6. What the AI does, and what it does not

AI output can be wrong, and this app is built on that assumption. Nothing an AI feature produces is written to your ledger by itself. Every reading, every draft, every suggested cleanup opens a confirmation you have to read and accept. That is an architectural rule of the app rather than a policy, and it does not change with a licence.

So: check what you confirm. An amount, a date or an account read wrongly from a sentence or a photograph becomes a wrong figure in your own records if you confirm it.

Arok is a record-keeping tool. Nothing it or its AI features produce is financial, tax, investment or legal advice, and figures it projects (growth, payoff dates, interest) are arithmetic on assumptions you supplied, not predictions we stand behind.

We do not warrant that AI output is accurate, complete or fit for any particular purpose. To the extent Philippine law allows, our total liability for anything arising out of this service is limited to what you paid us for the pass in question. We do not exclude liability for fraud or for anything else that cannot lawfully be excluded.

7. What the relay does with what you send

The relay adds our provider key to your request, checks your allowance, and passes the request on to the AI provider unread. It does not log or store the content of your requests or the responses. What it keeps is your licence key, its expiry, and a running total of usage.

What each AI feature may send, and under which opt-in, is described in PRIVACY.md and in the app. Using a licence changes who carries the request, never what is in it.

8. Suspension

We may suspend or deactivate a licence key that is being shared or resold, used to attack or abuse the service or a provider, or used in a way that breaches an AI provider's own terms.

Where a suspension is our mistake, we restore the key and extend the pass by the time lost. Where it is not, and time remains on a paid pass, we refund the unused portion.

9. Changes, and ending the service

We may change these terms. Changes apply to passes bought after the change; a pass you have already bought keeps the terms it was bought under, and its allowance cannot be reduced (§3).

If we discontinue the relay, we will say so in the app and refund the unused portion of every running pass. The app itself keeps working: see §1. This is the case the free paths exist for, and it is why they are kept prominent rather than being treated as a legacy option.

10. Data protection

We hold no account for you and no copy of your financial data. In the ordinary course of running this service the only things we hold that relate to you at all are your licence key, its expiry, and a usage total. PayMongo separately holds the payment record.

We handle that in line with the Data Privacy Act of 2012 (RA 10173). If you want your licence record deleted, ask; the practical effect is that the key stops working, so it is worth waiting until the pass has expired.

11. Law, and who you are dealing with

These terms are governed by the laws of the Republic of the Philippines.

The service is operated by AROK SOFTWARE PUBLISHING, a sole proprietorship registered in the Philippines. Contact: support@arok.app.

For a security issue, write to the same address with "Security" in the subject.