Terms of Service — Loki Budget
Effective date: 2026-07-28 Last updated: 2026-11-08
⚠️ Pre-launch. Plain-language Terms of Service for the consumer mobile app. Have a lawyer review before EU public launch.
1. The deal
Loki Budget is a personal-finance tracker. You log your transactions, set monthly budgets and savings goals, and — if you want — connect an AI assistant to help you review your spending. We provide the service; you agree to use it sensibly and pay for the paid features.
These terms are the contract between you and UnstablePixel SRL ("we", "us"), a company registered in Romania at Str. Victor Babeș nr. 2, Oradea, Bihor, for that service.
By creating an account, you accept these terms and the Privacy Policy.
2. Who can use it
- You must be at least 16 years old.
- You must provide an accurate email when signing in (we use it to contact you about your account and your subscription).
- You're responsible for keeping your sign-in credentials private. If someone else uses your account because you let them, that's on you.
3. Account and data
You own your data. You can:
- Export it at any time (Settings → Download my data).
- Delete your Budget data at any time (Settings → Account → Delete my Budget data) — removes it within 30 days.
- Delete your whole Loki account at any time (Delete my Loki account,
under Settings → Account → Delete my Budget data, or
loki.unstablepixel.com/account) — removes your data in every Loki app and your sign-in.
Loki Budget does not connect to your bank. Every transaction is one you entered yourself or imported via CSV. We never see your banking credentials or account numbers.
We process your data per the Privacy Policy. Read it.
4. Subscriptions and payments
Loki Budget has a free tier and a paid tier. The paid tier unlocks features described in the app at the point of purchase (currently: connecting AI assistants).
- Payments are processed by Stripe. We never see your card number.
- Subscriptions auto-renew at the end of each period unless you cancel before the renewal.
- You can cancel any time. Cancellation takes effect at the end of the current paid period; you keep access until then.
- Refunds: we don't have a fixed policy yet — if something obvious
went wrong (we charged you twice, the service was down at your
renewal, you cancelled but were charged anyway) write to
billing@unstablepixel.comand we'll sort it out. - Prices and features may change. Any change to your subscription price will be announced in-app at least 14 days before it takes effect; you can cancel before then if you don't want the new price.
EU customers: you have a 14-day right of withdrawal under the EU Consumer Rights Directive, beginning on the day the subscription started. You waive this right by starting to use the paid features inside the 14-day window — which is the point of buying a paid subscription, so in practice the withdrawal right rarely applies. If it applies to your case, write to the billing contact.
5. AI connectors
If you connect an AI assistant (Claude, ChatGPT, others), that AI becomes able to read and write your data within the scopes you granted during the OAuth consent screen. The AI's behaviour is governed by their terms and privacy policy, not ours.
You can revoke a connector at any time from Settings. Once revoked the AI cannot reach your data again until you re-authorise it.
6. What you can't do
Common-sense list:
- Don't sign up with someone else's account.
- Don't try to access another user's data.
- Don't reverse-engineer the app to evade the paywall, the rate limits, or the safety guards.
- Don't upload content that's illegal where you live.
- Don't automate the API in a way that significantly burdens the service (the MCP tool rate limits exist for a reason; respect them).
If you do any of these we may suspend or close your account, with a refund of the unused portion of any active subscription.
7. Financial disclaimer
Loki Budget is not financial, tax, investment, or accounting advice. It's a tool you use to log what you decide to do with your money. Before making significant financial decisions, consult a qualified professional.
If you connect an AI assistant, that AI is also not a licensed financial advisor. Treat its suggestions as a starting point, not a prescription.
8. Service availability
We aim for the service to be available 24/7 but we don't promise it. We may take it down for maintenance or updates. We do our best to do this off-peak and with notice, but emergencies happen.
9. Liability
Use the service at your own risk. To the maximum extent permitted by law, our liability for any single claim is limited to the amount you paid us in the 12 months before the event giving rise to the claim.
This does not limit liability for anything that cannot be limited under your local law (e.g. gross negligence, intentional misconduct, or — in the EU — non-conformity of the service under consumer law).
10. Changes
We may change these terms. Material changes are announced in-app before they take effect. If you keep using the service after a material change, you accept it; if you don't agree, you can stop using the service and delete your account at any time.
11. Termination
You can stop using the service whenever you want; delete your account from Settings to do it cleanly. We can suspend or terminate your account if you breach these terms or use the service in a way that puts other users or our systems at risk.
If we terminate your account, we'll tell you why (unless we shouldn't for legal or security reasons) and give you a reasonable window to export your data first.
12. Governing law and venue
These terms are governed by the laws of Romania. EU consumers retain any rights granted by their local consumer law that cannot be overridden by this clause.
Disputes are subject to the exclusive jurisdiction of the courts of Oradea, Bihor County, except where EU consumer law gives you the right to sue in your country of residence.
13. Contact
For anything in these terms, or anything else:
legal@unstablepixel.com
UnstablePixel SRL — Str. Victor Babeș nr. 2, Oradea, Bihor, Romania