Terms of Service

Last updated: April 19, 2026

Part A. Cybersecurity Consulting Services

These Part A terms apply when Valtik Studios LLC provides cybersecurity consulting services to a business client under a written Statement of Work, Master Services Agreement, or similar engagement document. Examples of covered services include penetration testing, vulnerability assessment, compliance readiness (SOC 2, HIPAA, PCI DSS, CMMC, NYDFS), vCISO, incident response, security architecture review, and third-party risk assessment.

A.1 Engagement Structure

Every engagement is scoped in a written Statement of Work ("SOW") signed by both parties. The SOW controls scope, timeline, deliverables, fees, payment terms, and any engagement-specific conditions. In the event of conflict between these Terms and a signed SOW, the SOW controls for that engagement.

Cybersecurity services are not covered by a continuing subscription. Fees are flat, per-engagement, or retainer, as specified in the SOW. Typical payment terms: 50% on signing, 50% on delivery, unless otherwise specified.

A.2 Authorized Testing and Scope

Client authorizes Valtik to conduct active security testing only against the assets explicitly listed in the SOW. Valtik will not test third-party hosted services outside client configuration. Valtik will not conduct denial-of-service, physical security testing, or social engineering against client personnel unless expressly authorized in the SOW.

If Valtik identifies a finding that appears to indicate active compromise or imminent risk, Valtik will notify the client within four hours via the pre-agreed contact channel.

A.3 Confidentiality and Responsible Disclosure

All findings, configuration details, and business information obtained during an engagement are treated as Confidential Information and will not be publicly disclosed without written permission from the client, or until ninety (90) days have passed from the date of the final report, whichever comes first.

Valtik may use sanitized, non-identifying patterns observed during engagements for research publications and training. No client name, domain, or identifying detail is published without prior written consent.

A.4 Client Data Handling

During an engagement, Valtik may handle data classified as Confidential Information, personal data under state or federal privacy law (CCPA, GDPR-adjacent state laws), protected health information (PHI) under HIPAA, or Controlled Unclassified Information (CUI) under DFARS 252.204-7012 and CMMC. Valtik will handle all such data in accordance with the applicable regulatory framework, the SOW, and any Business Associate Agreement (BAA) or Data Processing Agreement (DPA) in place.

Engagement artifacts (raw scan output, findings data, evidence bundles) are retained for the period specified in the SOW, then securely destroyed. Clients may request earlier deletion in writing.

A.5 Liability for Cybersecurity Engagements

Valtik's total liability for any claim arising out of a cybersecurity engagement is limited to the fees paid by the client under the applicable SOW for the engagement giving rise to the claim. Valtik is not liable for indirect, consequential, or punitive damages, loss of business, loss of profits, or loss of data. This limitation does not apply to losses arising from gross negligence, willful misconduct, or violation of applicable law.

Penetration testing and security assessments are professional services and do not guarantee that all vulnerabilities will be identified. A Valtik engagement reduces risk; it does not eliminate it. The client remains responsible for implementing remediation and maintaining a security program.

A.6 Insurance and Independent Contractor

Professional liability (errors and omissions) and cyber liability insurance are being procured as part of Valtik's 2026 operational setup. Engagement-specific coverage is arranged per Statement of Work where clients require it until standing policy is in force. Current status is available on request.

Valtik operates as an independent contractor. Nothing in a cybersecurity engagement creates an employment, agency, partnership, or joint venture relationship between Valtik and the client.

A.7 Governing Law for Cybersecurity Engagements

Cybersecurity engagements are governed by the laws of the State of Connecticut unless the SOW specifies otherwise. Disputes arising from an engagement will be resolved in the state or federal courts of Hartford County, Connecticut, or by binding arbitration as described in Part B Section 14 if the client consents.

Part C. Development Services

These Part C terms apply when Valtik Studios LLC provides software, web, mobile, or API development services to a business client under a written Statement of Work or Master Services Agreement. Examples of covered services include marketing website design and build, web applications, mobile applications (iOS, Android), custom internal software, API development, and ongoing maintenance retainers.

C.1 Engagement Structure

Every development engagement is scoped in a written Statement of Work signed by both parties. The SOW controls features, milestones, acceptance criteria, timeline, deliverables, fees, and payment terms. In the event of conflict between these Terms and a signed SOW, the SOW controls for that engagement.

Typical payment terms: 50% at kickoff, 25% at agreed mid-milestone, 25% on final delivery. Ongoing maintenance retainers are billed monthly in advance. Change requests that expand scope are documented in a written change order with associated fee adjustment.

C.2 Ownership of Deliverables

Upon full payment of all fees due under a SOW, Valtik assigns to client all right, title, and interest in the custom-written code, designs, and written deliverables created specifically for that engagement ("Custom Deliverables"). Client owns the Custom Deliverables outright.

Valtik retains ownership of any (a) pre-existing code, libraries, or tools developed before the engagement, (b) general know-how, patterns, and techniques, and (c) open-source components governed by their respective licenses. Valtik grants client a perpetual, worldwide, royalty-free license to use any Valtik-owned components embedded in the delivered product for its intended purpose.

C.3 Security Review

Every Valtik-built product passes an internal security review before release. Standard review covers authentication, authorization, input validation, dependency CVEs, secret handling, and OWASP Top 10 coverage for web and OWASP MASVS for mobile. The review is included at no extra cost for Custom Deliverables built under a Part C engagement. Formal third-party penetration testing is available as a Part A engagement.

C.4 Acceptance and Warranty

Each milestone includes a written acceptance criteria. Client has ten (10) business days to review the milestone and either accept or provide written notice of material deviations from the SOW. Silence beyond the review window constitutes acceptance. Valtik will remediate material deviations at no additional cost.

Valtik provides a thirty (30) day defect-correction warranty on final-milestone deliverables. During that window, Valtik will correct defects materially non-conforming to the SOW at no additional cost. The warranty does not cover defects caused by client modifications, third-party integrations outside the SOW scope, or upstream platform changes (for example, a breaking change in a third-party API).

C.5 Confidentiality

All product designs, business logic, customer data, and non-public business information obtained during a development engagement are treated as Confidential Informationand will not be disclosed without written permission. Valtik may reference the existence of the engagement and high-level category of work (for example "mobile app for a healthcare client") in its portfolio, unless the SOW specifies full confidentiality.

C.6 Limitation of Liability for Development Engagements

Valtik's total liability for any claim arising out of a development engagement is limited to the fees paid by the client under the applicable SOW. Valtik is not liable for indirect, consequential, or punitive damages, loss of business, loss of profits, or loss of data. This limitation does not apply to losses arising from gross negligence, willful misconduct, or violation of applicable law.

Software development is a professional service. A Valtik engagement produces a working product per the specification in the SOW. It does not guarantee commercial success, user adoption, or fitness for any purpose beyond what is written in the SOW.

C.7 Hosting, Infrastructure, and Third-Party Services

Unless the SOW explicitly includes ongoing hosting, the client is responsible for operating the delivered product in production, including all hosting, domain, SSL, third-party API, and subprocessor costs. Valtik may recommend and set up infrastructure on the client's behalf, but the accounts and billing responsibility remain with the client.

C.8 Governing Law for Development Engagements

Development engagements are governed by the laws of the State of Connecticut unless the SOW specifies otherwise. Disputes arising from an engagement will be resolved in the state or federal courts of Hartford County, Connecticut, or by binding arbitration as described in Part B Section 14 if the client consents.

Part B. Lokd.ai Consumer Application

These Part B terms apply to consumer use of the Lokd.ai application and related websites and services (the "Lokd.ai Services") provided by Valtik Studios LLC ("Valtik", "we", "our", or "us"). By accessing or using the Lokd.ai Services, you agree to these Part B terms and our Privacy Policy. Where this Part B refers to "the Services", it means the Lokd.ai Services.

1. Eligibility

You must be at least 13 years old to use the Services. If you are under 18 years old (or the age of majority in your jurisdiction), you may only use the Services with the consent and supervision of a parent or legal guardian who agrees to be bound by these Terms. By using the Services, you represent that you meet these eligibility requirements.

Parents and guardians are responsible for the activities of their minor children when using the Services and agree to be bound by these Terms on behalf of such minors. We do not knowingly collect personal information from children under 13 years of age.

2. Accounts

To use certain features, you may need to create an account. You agree to provide accurate information, maintain the security of your account credentials, and promptly notify us of any unauthorized access or use.

You are responsible for all activity that occurs under your account.

3. The Services

Lokd.ai is a goal, planning, and accountability experience that may include community and social features such as groups, invitations, shared goals, leaderboards, and in-app messaging. You are responsible for how you use the Services and for the content you submit.

4. Subscriptions, Billing, Cancellation, and Refunds

Some features may require a paid subscription. When you purchase a subscription, you authorize us (and our payment partners) to charge the applicable subscription fee and any taxes on a recurring basis (for example, monthly) until you cancel.

• Billing partners: Payments may be processed by third parties such as Stripe and Superwall.
• Auto-renewal: Unless you cancel before your renewal date, your subscription may renew automatically at the then-current rate.
• Price changes: We may change pricing or plans. If required, we will provide notice and the change will take effect on a future billing cycle.

Cancellation Policy

You may cancel your subscription at any time through your account settings or by contacting us. Upon cancellation:

• You will not be charged for the next billing period
• You will retain access to paid features through the end of your current paid period
• After your paid period ends, your account will revert to free tier access

Refund Policy

All payments are non-refundable except where required by applicable law. We do not provide refunds or credits for partial subscription periods, unused features, or account cancellation. If you believe you are entitled to a refund under applicable law, please contact us at ​.

5. Financial Commitments and Forfeiture

The Services may include features that allow you to make voluntary financial commitments ("Pledges") tied to your goals as an accountability mechanism. By participating in these features, you acknowledge and agree to the following:

Voluntary Participation

All financial commitments are entirely voluntary. You are not required to make any Pledge to use the Services. Making a Pledge is your personal decision and carries inherent financial risk.

Goal Outcome Determination

Goal outcomes (success or failure) are determined based on the criteria you set when creating the goal, your self-reported progress, and any verification methods specified in the goal settings. We rely on information you provide and do not independently verify goal completion unless otherwise stated.

Forfeiture Conditions

• If you fail to complete a goal by the specified deadline, any associated Pledge may be forfeited according to the terms you agreed to when creating the goal
• Forfeited funds may be donated to charity, distributed to accountability partners, or retained as specified in the goal settings
• Once a Pledge is forfeited, it is non-refundable

Risk Acknowledgment

You acknowledge that financial commitments involve the risk of losing money. You should only pledge amounts you can afford to lose. We are not responsible for any financial loss resulting from your participation in these features.

Minors and Financial Features

If you are under 18, you must have your parent or legal guardian's consent before making any financial commitments or Pledges. Parents and guardians are responsible for any financial commitments made by their minor children and agree to be bound by the terms of such commitments.

6. User Content and Community Rules

The Services may allow you to submit or share content, including messages, goals, profile information, and other materials ("User Content"). You retain ownership of your User Content.

By providing User Content, you grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, and display your User Content as necessary to operate, provide, and improve the Services.

You agree not to use the Services to:

• Break the law, violate the rights of others, or encourage illegal activity
• Harass, threaten, or bully others, or engage in hateful or abusive conduct
• Post content that is deceptive, fraudulent, or impersonates another person or entity
• Send spam or attempt to manipulate leaderboards, scores, or other metrics
• Upload malware or attempt to access or probe our systems without authorization

We may remove content or restrict access to the Services if we believe content or behavior violates these Terms or creates risk to users, us, or third parties.

7. AI Features and Disclaimers

The Services may include features that generate content using artificial intelligence. AI output may be inaccurate or incomplete and may not reflect real-world conditions. You are responsible for verifying any information before relying on it.

No professional advice: The Services do not provide medical, legal, tax, or financial advice. If you need professional advice, consult a qualified professional.

8. Third-Party Services

The Services may rely on third-party services (for example, infrastructure providers, AI providers, and payment processors). Your use of third-party services may be subject to their separate terms and policies.

9. Intellectual Property

The Services, including their design, text, graphics, logos, and software, are owned by or licensed to Valtik and are protected by intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, or lease any part of the Services.

10. Termination

You may stop using the Services at any time. We may suspend or terminate your access to the Services (including your account) if you violate these Terms or if we believe your use creates risk or harm.

Effect of Termination on Funds

Upon termination or suspension of your account: (a) any active subscription will be cancelled and no further charges will be made; (b) you will not receive a refund for any unused portion of your current subscription period; (c) any pending Pledges will be processed according to their original terms; (d) forfeited funds cannot be recovered; and (e) any remaining balance in your account, if applicable, will be handled in accordance with our then-current policies and applicable law.

11. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VALTIK STUDIOS LLC WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100 USD). THIS LIMITATION APPLIES TO ALL CLAIMS, WHETHER BASED ON WARRANTY, CONTRACT, TORT, STATUTE, OR ANY OTHER LEGAL THEORY.

13. Indemnification

You agree to indemnify and hold harmless Valtik and its affiliates, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services or your violation of these Terms.

14. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Agreement to Arbitrate

You and Valtik agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (collectively, "Disputes") will be resolved exclusively through binding individual arbitration, rather than in court, except that: (a) you or Valtik may assert claims in small claims court if the claims qualify; and (b) you or Valtik may seek equitable relief in court for infringement or misuse of intellectual property rights.

Arbitration Rules and Location

Arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, or by another mutually agreed arbitration provider. The arbitration shall take place in Hartford County, Connecticut, or at another mutually agreed location. You may also elect to participate by phone or video conference. The arbitrator's decision will be final and binding.

Class Action Waiver

YOU AND VALTIK AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of class or representative proceeding.

Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to ​ within thirty (30) days of first accepting these Terms. Your notice must include your name, address, email address, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, you and Valtik agree to resolve Disputes exclusively in the state or federal courts located in Connecticut.

Survival

This arbitration agreement will survive termination of your relationship with Valtik.

15. Governing Law and Venue

These Terms are governed by the laws of the State of Connecticut, excluding its conflict-of-law rules. To the extent any dispute is permitted to be brought in court, you and Valtik agree to the exclusive jurisdiction and venue of the state and federal courts located in Hartford County, Connecticut.

16. General Provisions

Force Majeure

Neither party shall be liable for any failure or delay in performing their obligations under these Terms where such failure or delay results from causes beyond their reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics or pandemics, strikes, power outages, internet or telecommunications failures, third-party service provider failures (including payment processors), or changes in applicable laws or regulations. During any such event, the affected party's obligations shall be suspended for the duration of the force majeure event.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent.

Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets. Any attempted assignment in violation of this section shall be void.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Valtik regarding the Services and supersede all prior agreements and understandings.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

17. Changes to These Terms

We may update these Terms from time to time. If we make changes, we will update the "Last updated" date above. Your continued use of the Services after the effective date of revised Terms constitutes your acceptance of the updated Terms.

18. Contact Us

If you have questions about these Terms, contact us at:

Email: ​
Mailing address available on request for client engagements
Website: valtikstudios.com