Terms of Service

Effective: July 21, 2026 · These terms are an agreement between you and Oikonome LLC, an Idaho limited liability company ("Oikonome", "we", "us"), and cover the hosted service at oikonome.com and its subdomains ("the Service"). Self-hosting the Oikonome software is governed by the software's license, not these terms.

The service

Oikonome is a personal-finance application: budgets, transaction tracking, bill schedules, forecasts, and summary emails. It is an informational tool, not financial advice — verdicts, forecasts, and projections are computed from your own data and assumptions, and are not recommendations to buy, sell, or do anything with your money. Always verify balances and obligations with your financial institution.

Your account

• You must provide accurate information and keep your credentials and second factor secure. You are responsible for activity under your account.
• An account belongs to one owner, who may invite household members with the roles the product provides. You must be at least 18 to use the hosted service.
• Connecting a bank through Plaid grants us permission to retrieve that account's data on your behalf; you can disconnect at any time.

Acceptable use

Don't attempt to breach, probe, or overload the Service; don't access other users' data; don't use the Service for unlawful activity; don't resell it. We may suspend accounts that threaten the Service or other users.

Subscriptions and billing

Paid plans are billed in advance (monthly or yearly) through Stripe. Prices are shown before you pay; changes to pricing are announced by email at least 30 days before they affect you. You can cancel any time from Settings — cancellation stops future charges and the plan runs to the end of the paid period. If a payment fails we retry and notify you before restricting service; a lapsed subscription makes your account read-only, it does not delete your data. If we ever get something wrong on a charge, email us and we'll make it right; statutory refund rights are unaffected.

Your data

Your data is yours. We claim no ownership of it, use it only to provide the Service (see the Privacy Policy), and you can export or delete it at any time. If the Service is ever discontinued, we will give at least 90 days' notice and keep export working through that window — and the software is self-hostable, so your data outlives any hosting decision we make.

Beta status

The Service is currently in beta. It is offered as-is, features may change, and while we back up data and take availability seriously, we do not yet offer a formal uptime commitment.

Disclaimers and liability

The Service is provided "as is" without warranties of any kind, to the extent permitted by law. We are not liable for financial decisions made using the Service, for the accuracy of data supplied by your institutions or aggregators, or for indirect or consequential damages. Our total liability for any claim is limited to the amount you paid us in the twelve months before the claim.

Termination

You can close your account at any time. We may suspend or terminate accounts for violation of these terms, with notice where practical. On termination you retain the right to export your data for a reasonable period, after which it is deleted.

Governing law

These terms are governed by the laws of the State of Idaho, USA, without regard to conflict-of-law rules; disputes belong to the state or federal courts located in Kootenai County, Idaho, where Oikonome LLC is organized and maintains its principal office.

Changes to these terms

If these terms change materially, account holders are notified by email at least 14 days before the change takes effect. Continued use after that date is acceptance.

Contact

[email protected]
Oikonome LLC · Coeur d'Alene, Idaho, USA