This is written in plain language on purpose. It is still the real agreement between you and me, and it is not a substitute for advice from your own lawyer or accountant. If a clause here matters to your situation, read it before you sign up and ask me about anything that is unclear.
Who you are dealing with
Horizon is built and run by one person: DevLogik, 2843 Rue des Deux Rivières, Carignan, J3L 5A4, Quebec, Canada. Write to me at support@horizonmoney.ca.
There is no support team and no on-call rotation. There is me, usually within a couple of business days.
What Horizon does
Horizon is a household budgeting and cash-flow forecasting app. You get envelope budgeting, a forecast of the money coming in and going out, a debt-reduction planner, transactions with splits and transfers, accounts, investments and holdings with daily prices, two reports, seven CSV exports and a full JSON backup you can restore.
Horizon Pro adds three things: a paper trading sandbox, an AI advisor that runs on an API key you supply, and an MCP server so an assistant like Claude can read your household through a token you mint and can revoke.
What Horizon does not do
It does not connect to your bank. There is no Plaid, no aggregation service, no screen scraping, and at no point does Horizon ask for or store your online banking credentials. You bring your data in by exporting a CSV, QIF or OFX/QFX file from your bank and importing it here. That is the whole trade: you do a small amount of work every week or two, and the price is $5 instead of $15.
Horizon does not hold, move or transfer money. It is not a bank, a credit union, a payment service or a money services business. Nothing you do in Horizon changes a real balance anywhere.
Horizon works in one currency per household. Prices for a foreign-listed holding are converted using a rate from the same free feeds described below; there is no other conversion anywhere in the app. If your household holds accounts in two currencies, Horizon is not going to be honest about your net worth, and you should know that before you pay.
Where I can sell it
Horizon is sold in Canada and the United States only. If you sign up from somewhere else, I may close the account and refund what you paid. I have not done the work to comply with the rules that apply elsewhere, and I would rather say so than pretend.
Your account
You need to be 18, or the age of majority where you live.
One login belongs to one person. Keep your password to yourself; if you think someone else has it, change it and tell me.
A household can have more than one member. Anyone you invite into a household can see everything in it — every transaction, every account, every imported file’s worth of history. There is no partial view. An owner can remove a member at any time.
Plans and the trial
- Horizon — $5 a month or $50 a year.
- Horizon Pro — $12 a month or $120 a year.
- Trial — 30 days, no credit card. When it ends, nothing is deleted; the household becomes read-only until you subscribe.
Prices are in Canadian dollars. Horizon is not currently registered for GST/QST, so no sales tax is charged. If that changes, the registration numbers will appear here and tax will be shown before you pay.
What each plan allows — how many accounts, categories, recurring items, holdings, people, households, connected apps, portfolios and bots — is on the pricing page. Those limits are part of this agreement. Transactions are never capped, on any plan, ever. Your record of your own money is the thing you are paying for, and I am not going to charge you for keeping more of it.
Paying
Payments are handled by Stripe. I never see your full card number.
A subscription renews automatically, monthly on the same day each month, until you cancel. You can cancel at any time from your billing settings, without asking me and without explaining.
If I change a price, existing subscribers get at least 30 days’ notice by email before it applies to them, and cancelling in that window is always an option.
If a payment fails, the household goes past due and I retry. If it keeps failing, the household becomes read-only. Nothing is deleted.
Cancelling, and what “ends” means
When a trial ends, or a subscription is cancelled or lapses, the household becomes read-only plus export. That means:
- Everything you entered is still there.
- You can still open every page and read every figure.
- Every CSV export and the full JSON backup still work, because they are all reads.
- You cannot add or change anything until you subscribe again.
- Subscribing again puts it all back exactly as it was.
I do not delete a household because someone stopped paying. A paywall in front of your own data is not a product, it is a hostage. There is one long tail on that promise, and here it is: a household that has been lapsed and untouched for 12 months gets an email, then a second email at least 30 days later, and if nobody signs in or exports after either one, it is deleted. Two emails and 13 months is the notice. Signing in once resets the clock.
Your data is yours
I claim no ownership of anything you put into Horizon. I do not sell it, rent it, or use it to train anybody’s model. What I hold, why, and who else touches it is in the privacy policy — including the parts I would rather not have to say.
You can take everything out at any time, on any plan, including a lapsed one: seven CSV exports and a full JSON backup. The backup is the whole household, in a documented format, and restoring it is a supported operation.
Keep your own copy. One person runs this on one set of servers, and the only backup guaranteed to exist is the one you downloaded.
The numbers are yours to check
Horizon does arithmetic on what you give it. It does not verify any of it.
- An import can get it wrong. Bank CSV files disagree about date order, decimal separators, sign conventions and what a column means. Horizon guesses well and shows you what it guessed. Check it.
- A price can be wrong or stale. Prices come from free, unofficial endpoints (below). A holding that could not be priced keeps its last figure and says so on the page.
- A forecast is a projection, not a promise. It is what your recurring items imply if nothing changes. Things change.
Before you act on a figure — pay a bill, move money, file a return — check it against the source. If Horizon’s arithmetic and your bank statement disagree, your bank statement is right.
Horizon does not give financial advice
This section is not boilerplate. Please read it.
Horizon contains a debt-reduction planner, an AI advisor that will propose specific instruments and portfolio weights, and a paper trading sandbox. None of it is advice.
I am not registered with any securities regulator. Not with the Autorité des marchés financiers, not with any provincial commission, not with a US regulator, not anywhere. I am not an investment adviser, a portfolio manager, a dealer, a broker, a financial planner, an accountant or a tax professional. Nothing in Horizon is a recommendation to buy, sell or hold anything, and nothing in it is tailored to your circumstances, because Horizon does not know your circumstances.
The debt planner is arithmetic. It orders your debts by rate or by balance and shows you what happens if you pay them a certain way. It knows nothing about your job security, your family, your other obligations or the terms of your loans. It is a calculator with a nice chart, and “the calculator said so” is not a reason to consolidate a debt or drain an emergency fund.
The AI advisor is a third party’s model guessing, and its guesses are not advice. It runs on an API key you supply, so you are asking Anthropic or OpenAI directly and paying them directly. A language model has no duty to you, no view of your finances beyond the summary it is shown, no accountability, and a documented habit of stating wrong things confidently. Every proposal it makes is re-checked against your own rules before it becomes anything, and it still needs a person to approve it. Treat its output as a prompt to think, never as a decision.
The sandbox is a simulation, and it is not a broker. Orders in the paper trading sandbox are pretend. No order reaches a market, no money moves, no position exists, nothing is cleared or settled, and nothing in it is protected by CIPF, SIPC or any investor protection fund, because there is nothing there to protect. Simulated results are not real results: they have no slippage worth the name, no partial fills, no borrow costs, no halts and no gap that opens against you overnight. A strategy that made money in the sandbox tells you almost nothing about what it would do with your money. Do not trade on it.
If you connect a real brokerage account, that is on you. Where Horizon can be pointed at a live brokerage account using credentials you supply, any order that reaches that broker is real, is yours, and settles against your money. Horizon is not a party to it, does not route or execute it, and has no relationship with your broker — your account agreement with them governs. Automated order placement can fail in ways that cost money: a connector can send an order twice, a price feed can be stale, a network can drop between the send and the acknowledgement. Watch it, and set your own limits low.
Investments can lose value, including all of it. Past performance is not indicative of future results. Talk to someone who is registered, and who has to know your situation, before you act on any of this.
Parts that depend on other people
Some of Horizon leans on services I do not control and do not pay for:
- Market prices come from Yahoo’s undocumented chart endpoint and Coinbase’s public endpoint. Both are free and unofficial. There is no contract, no SLA and no support channel. Either can change shape, rate-limit me or stop answering at any time, with no notice and nothing I can do about it. If that happens, prices stop updating and you can still enter them by hand.
- The AI advisor uses your own Anthropic or OpenAI key. Their terms and their bill, not mine. If they change a price or retire a model, that reaches you directly.
- MCP tokens let an outside assistant read your household. You mint them, you choose the scopes, you can revoke them, and what that assistant does with what it reads is between you and whoever runs it.
- Stripe takes payments. Brevo delivers email. Microsoft Azure hosts everything.
None of these has promised me anything about Horizon specifically, and I am not passing along a promise I do not have.
The iOS app
The iOS app is not on the App Store. It is installed directly, and it depends on Apple developer signing that can expire or change. It can stop launching for reasons outside my control and with no fix I can push to you. Treat it as a convenience on top of the web app, not as the product you are buying. Push notifications do not work at all — Apple does not permit them for how this app is signed.
Fair use
Don’t:
- import data about people who have not agreed to it being here;
- resell Horizon, or run someone else’s business on one account;
- hammer the API, scrape the app, or automate around the plan limits;
- try to reach another household’s data, or test the security of the service without asking me first — ask, and I will almost certainly say yes;
- use Horizon to do something illegal.
Households are separated in the code by a boundary every request goes through. If you find a way around it, tell me at support@horizonmoney.ca before you tell anyone else, and I will fix it and thank you properly.
Uptime, or the honest absence of a promise
I make no uptime promise, because I could not keep one.
Horizon runs as a single instance in a single region. There is no failover, no redundant deployment, no 24/7 monitoring and no support contract behind it. If the host has an outage, Horizon is down until it is not. If I break something on a Tuesday night, it is broken until I fix it.
I do not offer an SLA, service credits, or a compensation scheme for downtime. If a longer outage costs you something, please read the limits section below before you plan around it. What I will do is tell you what happened.
I am not going to tell you Horizon is enterprise-grade, bank-level or military-grade, because those phrases mean nothing and I could not evidence any of them. What is actually in place is described in the privacy policy, and it is a short and specific list.
If I stop
This is a side project run by one person, so it is fair to ask what happens if I stop.
If I shut Horizon down, you get at least 60 days’ notice by email. For all 60 days, sign-in, every CSV export and the JSON backup keep working. I refund the unused part of whatever you have already paid for.
I may also retire or change individual features with notice, especially the ones that lean on free third-party endpoints. If a change to a feature you rely on is material and you are within your paid period, ask for a refund and you will get one.
When I can close an account
I can suspend or close an account for non-payment, for the fair-use breaches above, or if keeping it open would put me on the wrong side of the law. Except where the law or an ongoing abuse makes it impossible, I will give you notice and a working export first.
Limits on what I owe you
Horizon is provided as it is. Beyond what is written here, I make no warranty that it will be uninterrupted, error-free, or fit for a particular purpose.
If I owe you something, the most I can owe you in total is what you paid me in the 12 months before the problem — which, at $5 a month, is not much, and that is the honest shape of a $5 product run by one person. I am not liable for indirect losses: lost profits, an investment decision that went badly, interest and penalties on something you filed late, or business you did not do.
I am not liable for data you lost that you could have exported, which is every piece of data in Horizon on every plan including a lapsed one. Please download a backup now and then.
None of this takes away a right you have under consumer protection law, including Quebec’s Consumer Protection Act and the equivalent in your province or state. Where such a law says a limit like the one above does not apply to you, it does not apply to you, and the rest of this agreement still stands.
Changes to these terms
I will update this page when things change, and the date at the top is the honest one. For a change that materially affects you, I will email you at least 30 days before it takes effect. If you do not want to accept it, cancel before it applies and ask for a refund of your unused period under the refund policy.
Language
These terms exist in English and in French. For customers in Quebec, the French version is the one that governs, as the Charter of the French Language requires. Elsewhere, if the two versions ever disagree, tell me — one of them is a mistake and I will fix it.
Law, and where a dispute goes
These terms are governed by the laws of Quebec and the federal laws of Canada that apply there.
If we cannot sort something out by email, it goes to the courts of Quebec — except that if you are a consumer, you can always bring a claim where you live, and I will not object.
No arbitration clause, no class-action waiver, no jury-trial waiver. You keep every right you would have had anyway.
Contact
support@horizonmoney.ca — questions, complaints, refunds, security reports, or anything above that reads wrong to you.