Terms & Conditions

"Loxoda", "we", "us", and "our" refer to the operator of loxoda.com. Loxoda is a trading name of Eliot Kindy. Contact: hello@loxoda.com.

Loxoda is cloud software for personal retirement / Coast FIRE–style planning: mission-control style projections, Monte Carlo confidence, Resilience Lab stress scenarios, live holdings pricing where available, tax packs / tax-aware paths, charts, and downloadable reports. Features may differ by membership tier (including Jump Seat trial and Flight Deck).

We may modify, suspend, or discontinue features with or without notice. We do not guarantee uninterrupted or error-free service.

LOXODA IS FOR EDUCATION, ILLUSTRATION, AND PERSONAL PLANNING ONLY. NOTHING WE PROVIDE IS FINANCIAL ADVICE, INVESTMENT ADVICE, TAX ADVICE, LEGAL ADVICE, ACCOUNTING ADVICE, INSURANCE ADVICE, OR A PERSONAL RECOMMENDATION TO BUY, SELL, HOLD, CONVERT, WITHDRAW, OR OTHERWISE DEAL IN ANY INVESTMENT, PENSION, CRYPTOASSET, PROPERTY, OR OTHER PRODUCT.

• We are not authorised by the UK Financial Conduct Authority (FCA) (or any other regulator) to provide regulated advice. Using Loxoda does not create an adviser–client, fiduciary, or professional relationship.
• All investing involves risk of loss, including loss of principal. Markets can go down as well as up. You may lose some or all of your capital.
• Past performance is not a reliable indicator of future results. Historical returns and simulated paths do not predict the future.
• Monte Carlo results, confidence scores, "on track" labels, targets, surplus figures, tax samples, and stress scenarios are probabilistic illustrations based on models, planning-grade tax packs, and your inputs. They are not forecasts, warranties, or assurances that money will last, that a retirement age is safe, or that any tax outcome will occur.
• Tax packs and tax-aware paths are planning aids. They are incomplete versus a full tax practice, and tax is modelled in full for the United Kingdom and the United States only — plans in any other country are shown before tax. Tax law changes. Confirm with a qualified tax professional.
• Market prices and data feeds may be delayed, incomplete, or wrong. Live holdings displays are not a brokerage statement of record.
• You alone are responsible for decisions you make. If you need advice, consult appropriately authorised professionals who know your circumstances.
• You use Loxoda entirely at your own risk.

You must be at least 18 years old. You agree to provide accurate information, keep credentials secure, and notify us of unauthorised access. You are responsible for activity under your account.

You are responsible for the accuracy of plan inputs (holdings, ages, spending, tax settings, etc.). We do not verify your real-world finances.

Paid features are billed via Stripe on Flight Deck (annual membership). Prices are shown at checkout in the currency displayed for your region. Subscriptions renew automatically unless cancelled before renewal.

Cancel anytime through Manage billing in the Loxoda cockpit (left tray → Billing) or by contacting us. Access continues until the end of the paid period — for Flight Deck, through the end of the annual period you already paid for. We do not generally provide partial-period refunds. Exceptional refunds may be considered at our sole discretion if you contact us promptly after a charge (hello@loxoda.com).

We may change prices with reasonable notice. Promotion codes and affiliate coupons (if offered) are subject to Stripe and campaign rules and may be withdrawn.

You agree not to:

• Share paid access, scrape, or harvest the service without permission
• Reverse-engineer, copy, resell, or rebrand our software or models
• Upload malware or attack our systems
• Use the services unlawfully or to mislead others
• Misrepresent Loxoda as regulated financial, tax, or investment advice
• Use Loxoda to provide paid advice to third parties unless you independently hold all required licences and you do not imply we endorse or supervise that advice

We may suspend or terminate accounts for breach, fraud, abuse, or legal risk.

We (and our licensors) own the services, branding, UI, documentation, and underlying methodologies. Your subscription grants a limited, personal, non-transferable, non-exclusive licence to use the paid features for your own personal planning — not to build a competing product.

You retain ownership of plan inputs you enter. You grant us a licence to host, process, display, and back up that content solely to operate the service. Feedback you send may be used freely without obligation to you.

Loxoda integrates or relies on third parties (including Stripe, Supabase, Vercel, Resend, and market-data providers). Their terms and privacy policies apply to their services. We are not responsible for third-party outages, content, or practices.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOXODA IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED AVAILABILITY.

We do not warrant that projections, tax estimates, prices, charts, PDFs, or emails are complete, correct, current, or suitable for your goals.

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost opportunity, trading or investment losses, tax liabilities, or business interruption, arising from or related to Loxoda or these Terms — whether based in contract, tort (including negligence), or otherwise — even if advised of the possibility.

Our total aggregate liability for all claims relating to the services shall not exceed the greater of (a) the fees you paid us for the service giving rise to the claim in the three (3) months before the claim, or (b) £50 if you have not paid us.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under English law. Consumers may have non-waivable statutory rights.

You agree to indemnify and hold us harmless from claims, losses, and expenses (including reasonable legal fees) arising from your use of Loxoda, your plan inputs or decisions, your breach of these Terms, or your violation of law or third-party rights — except to the extent caused by our wilful misconduct.

We are not liable for delay or failure caused by events beyond our reasonable control, including outages, cyber incidents, market-data failures, labour disputes, acts of government, or natural disasters.

Personal data is handled under our Privacy Policy, which forms part of these Terms.

We may update these Terms. The "Last updated" date will change. Continued use after changes take effect constitutes acceptance. If you do not agree, stop using the services and cancel any subscription.

These Terms are governed by the laws of England and Wales. Courts of England and Wales have exclusive jurisdiction, without prejudice to mandatory consumer protections that may apply where you live.

If any provision is unenforceable, the rest remains in effect. These Terms are the entire agreement regarding Loxoda and supersede prior terms for the same subject. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a reorganisation or sale.

All enquiries (legal, privacy, support): hello@loxoda.com.