Terms of Service

Last updated: December 10, 2025

1. Acceptance of Terms

By accessing or using the cobelajar website and Telegram bot ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of the terms, then you may not access the Service.

2. Description of Service

cobelajar provides market insights, stock price tracking, and community sentiment analysis for the Indonesian Stock Exchange (IDX) via a Telegram bot and website interface.

3. Financial Disclaimer

Not Financial Advice: The content provided by cobelajar, including but not limited to stock data, charts, sentiment analysis, and community discussions, is for informational and educational purposes only. It does not constitute financial, investment, or trading advice.

No Responsibility: We are not responsible for any financial losses or damages incurred as a result of using our Service. You are solely responsible for your investment decisions. Always conduct your own research or consult with a qualified financial advisor before making investment decisions.

4. User Conduct

You agree not to use the Service:

• In any way that violates any applicable national or international law or regulation.
• To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
• To impersonate or attempt to impersonate cobelajar, a cobelajar employee, another user, or any other person or entity.
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service.

5. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of cobelajar and its licensors. The Service is protected by copyright, trademark, and other laws.

6. Limitation of Liability

In no event shall cobelajar, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage.

7. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

8. Contact Us

If you have any questions about these Terms, please contact us at admin@cobelajar.com.