Last updated: August 18, 2026
This policy explains what you are charged, how to stop being charged, and when we give money back. It applies to Budgetoria, operated by Loutronics ("Budgetoria," "we," "us"), and forms part of our Terms of Service.
New households get a 14-day free trial (30 days if you were referred by another family). We collect a payment method when you sign up, but it is not charged until the trial ends. Cancel any time before the trial ends and you are never charged at all.
Open the app, go to Account → Billing, and choose to cancel. This opens our payment provider's billing portal, where cancellation takes effect immediately — no phone call, no email, no retention script. You can also email support@budgetoria.com and we will cancel it for you.
Cancelling stops all future charges. You keep access until the end of the billing period you have already paid for.
Because cancelling is immediate and self-service, and because the trial lets you evaluate the whole service before paying anything, monthly fees already paid are generally not refunded and partial months are not prorated.
We do issue a full refund in these cases, and you do not have to argue for it:
Beyond those, if you forgot to cancel and have not meaningfully used the service that month, email us. We would rather refund a month than have an unhappy customer — ask, and in most cases we will say yes.
Text packs are credited to your household immediately on purchase and are non-refundable once credited, because the messages become available to use straight away. Credits never expire, and they carry over month to month, so nothing you buy is wasted.
The exceptions in Section 4 — duplicate charges, wrong amounts, unauthorized use — apply to packs as well. If you bought a pack by mistake and have not used any of it, email us and we will refund it.
Email support@budgetoria.com from the address on your account, or open a support ticket in the app under Account → Help. Tell us which charge you mean — the date and amount are enough.
If a charge looks wrong, please email us first. We can almost always resolve it the same week, and far faster than a card dispute. Filing a chargeback without contacting us may result in the account being suspended while the dispute is open, which locks you out of your own budget data.
We will tell you at least 30 days before any price increase takes effect, by email and in the app. You can cancel before it applies. If we ever raise a price without giving you that notice, you are entitled to a full refund of the difference.
Nothing in this policy limits any refund or cancellation right you have under applicable consumer protection law. Where the law gives you more than this policy does, the law wins.
support@budgetoria.com. A person reads it.