1. Overview

GFI ("we", "us", "our") is committed to protecting your personal information. This Privacy Policy explains what data we collect when you use the Growth Friction Index™ assessment tool ("the Service"), how we use it, and your rights regarding that data. GFI is powered by Anera, a Clinic Growth Agency based in Surabaya, Indonesia.

By using the Service, you consent to the practices described in this Privacy Policy.

2. Information We Collect

Information you provide directly. When you complete the assessment and submit the lead capture form, we collect:

• Full name
• Email address
• WhatsApp number
• Business or company name

Assessment response data. Your answers to the 25 diagnostic questions, along with any optional revenue data you provide (monthly leads, average transaction value, lost customers), are processed to generate your GFI Score, Business Archetype, and recommendations.

Usage data. We may collect standard web analytics data including your IP address, browser type, device type, pages visited, and time spent on the Service. This data is collected in aggregate and is not used to personally identify you.

3. How We Use Your Information

We use the information we collect to:

• Generate and deliver your GFI Score, Business Archetype, and PDF report
• Send your assessment results to the email address you provide
• Follow up with relevant growth resources, insights, or Anera service information (only if you have provided consent)
• Schedule and conduct your complimentary consultation session
• Improve the accuracy and relevance of the GFI assessment over time
• Respond to inquiries or support requests

We do not use your data for automated decision-making that produces legal or similarly significant effects without your knowledge.

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties. We may share your information with:

• Service providers. Third-party tools that help us operate the Service (e.g., email delivery, PDF generation, analytics, scheduling tools like Calendly). These providers are bound by confidentiality obligations and may only use your data to provide services on our behalf.
• Legal requirements. We may disclose your information if required to do so by law or in response to valid legal processes.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by applicable law. If you request deletion of your data, we will remove your personal information from our active systems within 30 business days, except where retention is required by law.

6. Cookies and Tracking

The Service may use cookies and similar tracking technologies to improve user experience and collect usage analytics. These include:

• Functional cookies — necessary for the Service to operate correctly (e.g., storing your assessment progress)
• Analytics cookies — used to understand how users interact with the Service in aggregate

You may disable cookies through your browser settings. Note that disabling functional cookies may affect your ability to complete the assessment.

7. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Request deletion of your personal information
• Withdraw consent to receive marketing communications at any time
• Request a copy of your data in a portable format

To exercise any of these rights, contact us at hello@madebyanera.com. We will respond to your request within 14 business days.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Anera shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Service, reliance on assessment results, or decisions made based on GFI recommendations.

8. Data Security

We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, loss, alteration, or disclosure. However, no method of transmission over the internet is 100% secure. We encourage you to use the Service over a secure connection.

9. Children's Privacy

The Service is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted information through the Service, please contact us and we will remove it promptly.

10. Third-Party Links

The Service contains links to third-party websites (e.g., Calendly for consultation booking, social media platforms for sharing results). This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party services you access through the Service.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The "Last updated" date at the top of this document reflects the most recent revision. Continued use of the Service following any changes constitutes your acceptance of the revised Policy.

12. Contact

For questions about these Terms, please contact us at:
GFI Email: info@gfilab.id

1. Acceptance of Terms

By accessing and using the Growth Friction Index™ assessment tool ("GFI", "the Service") available at gfilab.id, you ("User") agree to be bound by these Terms of Conditions ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms apply to all users of the Service, including visitors, registered users, and anyone who submits information through the assessment form. By submitting the assessment form, you also consent to receive email notifications and newsletter communications from GFI related to your results and relevant growth resources.

2. Description of Service

Growth Friction Index™ is a business diagnostic tool developed and operated by Anera ("we", "us", "our"), a Clinic Agency based in Surabaya, Indonesia. The Service provides:

• A 25-question business diagnostic assessment
• A GFI Score (0–100) across five business dimensions: Visibility, Trust, Conversion, Follow-Up, and System
• Business Archetype classification based on assessment results
• Personalized recommendations and a downloadable PDF report
• An optional Revenue Opportunity and Revenue Leakage estimate
• Access to a complimentary 30-minute consultation session with Anera's growth specialist team

3. Eligibility

The Service is intended for business owners, founders, and decision-makers seeking to identify friction points in their business growth. By using the Service, you represent that:

• You are at least 18 years of age
• You have the authority to provide business information on behalf of yourself or your organization
• The information you provide is accurate to the best of your knowledge

4. Use of the Service

Permitted use. You may use the Service solely for your own business diagnostic and educational purposes.

Prohibited use. You agree not to:

• Reproduce, resell, or redistribute the GFI framework, scoring methodology, archetype classifications, or any associated intellectual property without prior written consent from Anera
• Submit false, misleading, or fabricated business information to manipulate assessment results
• Use automated tools, bots, or scripts to access or scrape the Service
• Attempt to reverse-engineer the scoring algorithm or assessment logic
• Use the Service for any unlawful purpose or in violation of any applicable regulations

5. Intellectual Property

Growth Friction Index™, the GFI scoring methodology, the five-dimension framework, archetype names and descriptions, and all associated content are the intellectual property of Anera. All rights are reserved.

Your GFI results are generated specifically for your business based on your inputs. While you are free to share your personal results (score, archetype, report), you may not present the GFI framework itself as your own methodology or commercially distribute it.

6. Disclaimer of Warranties

The GFI assessment is provided "as is" for informational and diagnostic purposes only. Results represent an estimate based on your self-reported responses and should not be construed as professional financial, legal, or business consulting advice.

Anera makes no guarantee that:

• The assessment will identify every friction point in your business
• Following GFI recommendations will result in specific revenue outcomes
• Revenue Opportunity and Revenue Leakage estimates reflect actual financial projections

All estimates and recommendations are directional tools, not guarantees of business results.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Anera shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Service, reliance on assessment results, or decisions made based on GFI recommendations.

8. Consultation Sessions

The complimentary 30-minute consultation session offered through the Service is subject to availability. Anera reserves the right to reschedule or cancel sessions with reasonable notice. The consultation session does not constitute a binding service agreement or guarantee of ongoing engagement.

9. Changes to These Terms

Anera reserves the right to update these Terms at any time. Continued use of the Service following any changes constitutes your acceptance of the revised Terms. The "Last updated" date at the top of this document reflects the most recent revision.

10. Governing Law

These Terms are governed by the laws of the Republic of Indonesia. Any disputes arising from the use of the Service shall be subject to the jurisdiction of the courts in Surabaya, East Java, Indonesia.

11. Contact

For questions about these Terms, please contact us at:
GFI Email: info@gfilab.id