Anony Balance terms

Status of this text

DRAFT draft-2026-10-15 — to be settled with the lawyer before Anony Balance opens. It will become a section of the Anony Labs terms.

1. What Anony Balance is

A prepaid balance in euros, excluding VAT, that you can spend only on Anony Labs services you link to it (today AnonyVPN, AnonyMail and AnonyChat Aura+). The VAT is charged when you top up, at the rate for your country of residence; spending the balance is not a new sale.

It is not money: it can't be transferred to anyone, sold, paid out or used outside Anony Labs.

2. Topping up

• You must be 18 or older. The smallest top-up is €10; your paid balance can't go above €250 (we tell you how much you can still add).
• You pay the amount plus VAT. With Lightning, the price in sats is fixed for two minutes and the invoice is valid for 15 minutes; a payment that arrives late is still credited (or checked by hand if the balance would go above the maximum). Through Mollie B.V. you can pay by card, Apple Pay, Google Pay, iDEAL, Bancontact or another method shown on the payment page (which ones depends on your country and the amount; no pay-later or instalments). Your bank may ask you to confirm a card payment (3-D Secure); a bank method is confirmed in your bank's own app or page. The top-up is credited once Mollie reports the payment as paid.
• The euro amount is fixed when you pay. It never moves with the bitcoin price.
• If a payment is refunded or charged back (cards, Apple Pay, Google Pay, PayPal and some others can be; iDEAL and Bancontact can't be reversed by you), we take the credit back. If it was already spent, your balance is paused (nothing new can be charged) until we have sorted it out with you.

3. Linking apps and paying for plans

• An app can use your balance only after you link it here, and only until you unlink it (here or in the app).
• An app charges one plan period at a time, at the price it shows you, only when your balance covers it in full. There are no partial payments and no debt. Each app has a daily limit.
• Automatic renewal is off unless you turn it on in the app. ⟦the renewal terms (design §5) are added with phase 3⟧

4. Vouchers

A voucher adds free credit that only the apps it names can use, until its end date if it has one. It is used before your paid balance for those apps. Voucher credit can't be refunded, moved or exchanged, doesn't count toward the maximum balance, and lapses at its end date or when your account is closed. One voucher per campaign per person. We may stop a campaign; credit already redeemed stays until its end date.

5. Refunds and withdrawal

Which option applies is ⟦owner + lawyer, design §9.3⟧. The consent text currently uses OPTION A.

OPTION A — the owner's rule (2026-10-15), ACTIVE in the consent text now: unused balance is not refunded and does not expire.

OPTION B — probably required by EU consumer law (the lawyer decides): you can withdraw a top-up within 14 days of paying as long as none of it has been spent; we then pay it back the way you paid. After 14 days, or once any of it has been spent, unused balance is not refunded. A plan period paid from the balance follows that app's withdrawal rule and is refunded to the balance.

6. When you delete your AnonyID

Your balance account is closed, your links end and voucher credit lapses. ⟦lawyer: keeping an unspent PAID balance at deletion may be an unfair term — offer to pay it back first? (design §6, §9.3)⟧

7. Mistakes and misuse

We may correct a clear mistake in your balance; every correction is shown in your history with its reason. We may pause a balance while we check a payment that looks wrong or a mismatch our hourly checks find, and we tell you what happened.

8. The rest

⟦liability, changes to these terms, governing law (Dutch) and disputes: as the Anony Labs / AnonyVPN terms⟧