Terms of service

Last updated 3 November 2026

1. Who this is between

These terms are between you and Scott Jacobs, a sole trader in Sweden trading as LoreMonkey. Registration number 870923-9175. Bäverdammsgränd 174, 124 63 Bandhagen, Sweden. Contact us at hello@loremonkey.com. By installing the software or creating an account, you accept these terms. If you do not, do not use it.

2. What you may do with the software

We give you a personal, non-exclusive licence to install and use LoreMonkey on machines you control, for your own games. A table you are paid to run is still your own game: a GM charging for a seat may use LoreMonkey at it. What you may not do is resell or rent LoreMonkey itself, offer it to other people as a hosted service, or strip out its limits and distribute the result.

3. Your account

You need an account for the AI features. Keep your login to yourself, give us a real email address, and tell us if you think someone else has got into your account. One free tier per person: creating extra accounts to get more free usage is a reason for us to close them. You must be 16 or older to hold an account and 18 or older to buy a plan or LoreMonkey Credits; the app asks, and we keep the date you answered.

4. Plans and payment

Paid plans are monthly subscriptions, charged in advance through Stripe, and they renew until you cancel. Prices are shown on the pricing page in US dollars. Where VAT applies it is included at checkout, and nothing else is added at checkout.

• Cancelling. Cancel any time from your account. You keep access until the end of the period you have already paid for, and you are not charged again.
• Changing plan. Upgrades start immediately, after you confirm the prorated amount on a page hosted by Stripe. Downgrades start at your next renewal.
• Your statutory right to change your mind. As a consumer in the EU you have 14 days to withdraw from a distance contract. At checkout, before you pay, Stripe asks you to tick a box agreeing that the service starts straight away and that the right stops applying to a month once that month has been delivered in full. If you withdraw inside those 14 days we refund what you paid, less a proportionate amount for the part of the month already delivered to you. The 14 days run from the day you buy the plan. To withdraw, write to hello@loremonkey.com: any clear statement will do, you do not have to give a reason, and you can use the model form below if you like. We refund within 14 days of hearing from you, to the payment method you used. If that tick box was missing from your purchase, the full statutory right applies whatever this clause says.
• Refunds beyond that. We do not offer a general no-questions refund, and we cannot refund a month you have already played through or a renewal you meant to cancel. What we will always put right is our own mistake: a double charge, a charge after you cancelled, or a fault on our side that stopped the AI features working for a meaningful part of the month. Write to us and we will sort it out.
• Invite a friend. Accounts on a paid plan with an active subscription have an invite code, and a code works only while its owner's subscription is active. If someone creates a new LoreMonkey account with your code and then pays for their first subscription, they get 20% of that plan's monthly price off their first month, and you get the same amount off your next LoreMonkey bill, rounded to a whole dollar (the current amounts are on the invite page). The code has to be entered when the account is created and cannot be added later. It does not apply to an existing account, or to an email address or sign-in that has been invited before or has already had a subscription. Your reward is a credit on your LoreMonkey billing account: it is taken off your next bills automatically, rewards add up, and any amount larger than a bill carries to the next one. It has no cash value, cannot be transferred, and ends with your account if you delete it before it is used. One account can earn up to 12 rewards in a year. If your friend's first payment is refunded or disputed within 30 days, the reward is taken back, which can show as an amount added to your next bill. You may not invite yourself, and we may refuse or reverse a reward obtained by abusing the program, such as with accounts created to collect rewards. We may change or end the program; a reward you have already earned stays yours.
• Price changes. If we change what a plan costs, we will email you at least 30 days before the new price affects you. Cancel any time before it takes effect and you never pay it. We do not treat silence as agreement to a change we never sent you: if the email did not reach you, the old price stands. An existing subscription keeps the price it was created with until you are told otherwise.

5. LoreMonkey Credits

Credits are a separate one-off purchase, not a subscription. They top up a month in which your plan allowance has run out early. Buying and spending them are both features of our top paid tier, and the following applies to every pack:

• You can only spend them on the top tier. Credits cover model calls while your account is on that plan. If you downgrade or cancel, the balance stays on your account but you cannot draw on it until you are back on that plan. Buying credits does not by itself give you access to anything.
• They are spent last. Your monthly allowance is used first; credits only start covering calls once it is gone. They do not expire.
• They are not refundable and have no cash value. A pack is delivered to your balance the moment payment succeeds. Before you pay, Stripe asks you to tick a box confirming that you want it supplied immediately and that you understand this ends the 14 day withdrawal right in clause 4 for that pack. That tick is what makes this bullet work, and we keep a record of your answer: without it, the statutory right applies in full whatever this page says. We do not convert a balance back into money when you downgrade, cancel or delete your account, and we do not transfer it between accounts.
• If we end it, we refund what is left. If we close your account for any reason other than fraud or payment abuse, or we stop offering LoreMonkey Credits or the plan they are spent on, we refund your unused balance to the card you paid with.
• If something genuinely went wrong, tell us. A pack charged twice, or one bought minutes before a fault on our side, is our problem to fix, and we would rather hear about it than have you charge it back.

Credit prices are shown in the app before you buy, in US dollars. As with a subscription, where VAT applies it is included at checkout, and nothing else is added at checkout.

6. Usage limits

Every plan includes a monthly allowance for the AI features. When it runs out, those features stop until your month resets, unless you hold a credit balance you are entitled to spend. The local features carry on regardless. We also apply rate limits and abuse protection, and we may throttle or suspend an account that is clearly being used to attack the service or run up cost deliberately. In particular: the free plan's AI trial shares one daily ceiling with every other free account, so on a busy day it can pause until midnight UTC, and paid plans are not affected by that ceiling; creating accounts and signing in are limited per address; and a run of wrong passwords pauses sign-in to that account for fifteen minutes.

7. Your content, and your table

Your transcripts, campaign notes and anything you import remain yours. We claim no ownership of them and we do not use them to train models.

You are responsible for what you feed into LoreMonkey. That means having the right to use the documents you import, and telling the people at your table that the session is being transcribed. Recording or transcribing other people without their knowledge may be illegal where you live, and that part is on you, not us.

Illustrations you share. When you press Share on an illustration, we publish it and that session's recap as a page on loremonkey.com, open to anyone with its link. What is yours in it stays yours. You give us permission to store that page, show it, and show it in link previews, until you stop sharing it or delete your account. We use it for nothing else: it does not go into our marketing unless we ask you first and you say yes.

A shared page is public, so share only what you have the right to publish, and only what the people at your table are happy to see published: their names, their words, and anything said in confidence. Do not share anything unlawful, anything that harasses or exposes a real person, or sexual content involving anyone under 18, and do not use Share to host anything that is not an illustration made with LoreMonkey.

Anyone can report a shared page, with the form on it or by email to hello@loremonkey.com. We look at every report. We take down a page that breaks the law or this clause, and we tell the account holder which page and why, in the app. You can write back to us if you think we got it wrong. A page shared again after we took it down goes up only once we have looked at it. Sharing breaches more than once is a reason for us to stop that account sharing, or to close it under clause 12.

8. What the AI produces

LoreMonkey generates suggestions, answers and recaps from your notes and from a language model. It can be wrong, it can miss things, and it can misread a transcript that speech recognition mangled. Treat everything it writes as a prompt for your own judgement. It is a game aid, and nothing it produces is advice of any other kind.

Ask LoreMonkey is an AI, not a person, and says so. Text the language model writes carries a mark that software can read. How LoreMonkey uses AIsays which features use it and how that text is marked. If you publish something LoreMonkey wrote, saying so is up to you, and we would encourage it.

9. Availability

We will keep the service running as well as we reasonably can, but we do not promise it will never be down. We depend on other people's infrastructure, including our model provider, and their outages become ours. We may change or remove features, and if a change materially reduces what you are paying for, you can cancel.

10. Liability

LoreMonkey is provided as it is. To the extent the law allows, we are not liable for indirect or consequential loss, lost data, or anything that went wrong at your table. Where we are liable, that liability is limited to what you paid us in the twelve months before the problem. Nothing here limits liability that cannot legally be limited, including for death, personal injury or fraud.

In particular, "as it is" does not cut down rights you cannot sign away. If you are a consumer in the EU or EEA you keep your statutory guarantee that this digital service conforms to what we described and works as it should, together with the remedies that come with it. Where that guarantee and this clause disagree, the guarantee wins.

11. Other people's rights

LoreMonkey is not affiliated with, endorsed by or sponsored by Wizards of the Coast, Paizo, Chaosium, Discord, or the publisher of any other game named on this site. Those names belong to their owners and appear here only to say what the software works with. Importing a rulebook or an adventure you own does not change who owns it, and you are responsible for having the right to use what you import.

Speaker attribution reads the Discord client already running on your computer. That is your use of Discord rather than ours, so staying inside Discord's own terms, including anything they say about capturing audio from a voice channel, is on you.

12. Ending it

You can stop using LoreMonkey and delete your account whenever you want, from the Account page in the app. Deleting it ends any subscription at once, and the balance of any LoreMonkey Credits is not refunded (clause 5). We may suspend or close an account that breaks these terms, and where it is reasonable to do so we will tell you why first. If we close it, clause 5 says what happens to an unused credit balance.

13. Changes to these terms

We may change these terms, for a new feature, a new price, or a legal requirement. When a change matters we will say so in the app rather than quietly editing this page, and the date at the top will move. A change to payment in clause 4, to the licence in clause 2, or to liability in clause 10 we will also email to account holders at least 30 days before it takes effect. If a change does not suit you, cancel before it applies.

14. Law and disputes

These terms are governed by Swedish law, and Swedish courts have jurisdiction. If you are a consumer, this does not take away the protection of the mandatory law of the country you live in, or your right to bring a claim there.

If we cannot sort something out between us, a consumer in Sweden can take it to the National Board for Consumer Disputes (Allmänna reklamationsnämnden, ARN), at arn.se. Consumers elsewhere in the EU may have access to an equivalent dispute-resolution body in their own country.

15. Contact

hello@loremonkey.com