Terms and Conditions

1. Eligibility

To use Moolah.so, you must:

• Be at least 18 years old.
• Reside in Australia.
• Have the legal capacity to enter into a binding agreement.

2. Our Services

Moolah.so offers digital tools to help you manage your personal finances. Our services include:

Some planning estimates may use information you enter or connect and assumptions you can review. They do not promise an outcome or recommend a specific financial product or strategy. See the Modelling and estimates disclosure for the purpose, assumptions and limitations of those estimates.

• Budgeting, forecasting, and goal tracking tools.
• Open Banking integrations to access your banking data.
• Visualisation of your financial position based on the data you choose to share.

• Read the Modelling and estimates disclosure

3. Banking Data Access and CDR Consent

Moolah's existing connected-finance service uses Basiq Pty Ltd, an Accredited Data Recipient, for read-only Open Banking under the Consumer Data Right framework.

When Open Banking is available, the consent flow identifies the institutions, accounts, data, purpose and duration you choose. You can manage or withdraw that consent.

The replacement app does not enable new production Open Banking connections until its Basiq application, representative arrangement and production controls are confirmed.

Moolah does not receive or store your bank password and cannot move money or change your bank account.

4. Third-Party Services and Hosting

We rely on several trusted third-party services to deliver our platform:

Some providers may process limited information outside Australia. See the Privacy Policy for the current provider, purpose, disclosure and retention summary.

• Basiq for Open Banking access and consent management.
• Xano for the existing live backend and migration continuity.
• Supabase for replacement-app authentication, databases, functions and storage.
• Twilio, Firebase, RevenueCat, Apple and Google for relevant authentication, messaging, diagnostics, subscription and app-distribution services.
• OpenAI only for an optional Moolah AI request where the required processing choice is active.

5. Privacy and Data Handling

Your privacy is important to us. Please refer to our Privacy Policy for detailed information on:

Moolah's primary replacement database is configured in Australia. We use access controls, encrypted transport, managed encryption at rest and privacy-minimised evidence, but some supporting providers operate internationally.

• What data we collect and why.
• How we store and use your information.
• How you can access, correct, or delete your personal data.

6. Security

We use reasonable security measures to protect your information, including:

However, no system is completely secure. You use Moolah.so at your own risk.

• Encryption in transit and at rest.
• Secure API connections between services.
• Hosting on compliant, secure Australian cloud infrastructure.

7. User Responsibilities

You agree to:

You must not:

• Keep your login details secure and confidential.
• Provide accurate and current information.
• Use our services for lawful, personal purposes only.

Prohibited use

• Use the Services for fraudulent or unlawful activities.
• Disrupt or interfere with the operation of the platform.
• Reverse engineer or scrape any part of the Services.

8. Third-Party Content and Features

Where we provide access to third-party services or content (e.g. credit score tools, linked institutions), you:

• Acknowledge that those services may have their own terms and privacy practices.
• Agree to review and comply with those terms where applicable.

9. No Financial Advice Disclaimer

We do not hold an Australian Financial Services Licence (AFSL) and do not offer financial product advice.

Planning estimates may use information you enter or connect, but they are not a complete assessment of every circumstance that may matter. Review the inputs, assumptions and limitations and consider seeking appropriately licensed or registered advice before acting.

10. Service Availability

We aim to provide uninterrupted access to our Services, but:

• We do not guarantee availability, reliability, or error-free operation.
• We may suspend or terminate Services for maintenance, upgrades, legal compliance, or misuse.

11. Limitation of Liability

To the fullest extent permitted by law:

• We exclude all warranties not expressly stated in these Terms.
• We are not liable for indirect, incidental, or consequential losses.
• Our total liability is limited to the greater of AUD $100 or the amount you paid us (if any) in the 12 months before a claim arises.

12. Indemnity

You agree to indemnify Moolah.so, its staff, and contractors from any loss, liability, or claim arising from:

• Your use or misuse of the Services.
• Your breach of these Terms or any applicable law.

13. Modifications to Terms

We may update these Terms from time to time. When we do:

• We will update the "Last updated" date.
• We may notify you of material changes via email or in-app alerts.
• Continued use of the Services after changes are published constitutes your acceptance of the updated Terms.

14. Termination

We may suspend or terminate your access if:

You may close your account at any time.

• You breach these Terms.
• You revoke consent for essential data access.
• We discontinue the Services.

15. Governing Law

These Terms are governed by the laws of Victoria, Australia. Any disputes will be resolved in the courts of that jurisdiction.

16. Contact Information

If you have questions or concerns about these Terms, please contact us:

• ryan@moolah.so
• jeremy@moolah.so