Meet Penny, the App That Keeps Your Finances in Check

Terms of Service

Welcome! These Terms of Service (“Terms”) govern your access and use of the “Mulah” mobile application (the “App”) and any associated services offered by MULA AI CORP (“we,” “us,” or “our”). By accessing or using the App, you agree to be bound by these Terms.

1. Services

The App provides an AI-powered platform to help you manage your personal finances. Features may include:

Account aggregation (with your permission)
Transaction categorization
Budgeting tools
Personalized financial insights and recommendations
Educational resources

We are constantly developing and improving the App, so these features may change over time.

2. User Accounts & Data

You must be 18 years or older to use the App.

You are responsible for maintaining the confidentiality of your account information and for all activity that occurs under your account.
You agree to provide accurate and complete information when creating your account.
You grant us permission to access your financial data from linked accounts, subject to your authorization through secure connections.
We will use your data to provide the Services and personalize your experience. We will treat your data confidentiality in accordance with our Privacy Policy (https://mulah.ai/privacy-policy).

II. Scope

User Accounts & Data

You must be 18 years or older to use the App.

You are responsible for maintaining the confidentiality of your account information and for all activity that occurs under your account.
You agree to provide accurate and complete information when creating your account.
You grant us permission to access your financial data from linked accounts, subject to your authorization through secure connections.
We will use your data to provide the Services and personalize your experience. We will treat your data confidentiality in accordance with our Privacy Policy (https://mulah.ai/privacy-policy).

II. Scope

You must be 18 years or older to use the App.

You are responsible for maintaining the confidentiality of your account information and for all activity that occurs under your account.
You agree to provide accurate and complete information when creating your account.
You grant us permission to access your financial data from linked accounts, subject to your authorization through secure connections.
We will use your data to provide the Services and personalize your experience. We will treat your data confidentiality in accordance with our Privacy Policy (https://mulah.ai/privacy-policy).

User Accounts & Data

3. Disclaimers & Limitations

The App and its content are provided for informational purposes only and are not intended as financial advice. You should consult with a qualified financial advisor before making any investment decisions.

While we strive to provide accurate information, the App and its content may contain errors or inaccuracies.
The App relies on AI algorithms, which may not always be perfect. We are not responsible for any losses or damages resulting from your reliance on the App’s recommendations.
We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

4. Third-Party Services

The App may integrate with or link to third-party services. Your use of those services is subject to their separate terms and conditions. We are not responsible for the content or practices of any third-party services.

5. Intellectual Property

The App and its content, including all intellectual property rights, are owned by us or our licensors. You agree not to modify, reproduce, distribute, or create derivative works of the App or its content without our express written permission.

6. Termination

We may terminate your access to the App at any time, for any reason, with or without notice. You may also terminate your account at any time. Upon termination, you will no longer have access to the App or your data.

7. Governing Law

These Terms will be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles.

8. Entire Agreement

These Terms constitute the entire agreement between you and us regarding your use of the App.

II. Scope

User Community
Allows sharing of aggregated data insights relevant (ie. “You spend 10% more on groceries than people similar to you.”) to help you understand your financial behavior
Analytical Researchers in the Company
Personally unidentifiable transaction information is analyzed and labeled to provide you personalized actionable insights. (ie. “Be wary of your water bills since the weather is getting warmer this summer.”)

Entire Agreement

II. Scope

Entire Agreement

These Terms constitute the entire agreement between you and us regarding your use of the App.

9. Changes to the Terms

We may update these Terms from time to time. We will notify you of any changes by posting the revised Terms on the App or by email. Your continued use of the App after the revised Terms are posted constitutes your agreement to be bound by the revisions.

10. Contact Us

If you have any questions about these Terms, please contact us at privacy@mulah.ai .

Privacy Policy | Terms of Service