Effective 2026-10-17. These terms cover the Moola web, desktop, and mobile apps and the Moola connector for AI assistants (together, “Moola”), operated by Milbo LLC (“we”, “us”).
By creating an account or using Moola you agree to these terms and to the privacy policy. If you don’t agree, don’t use Moola.
Moola shows your accounts, balances, transactions, and net worth in one place, and offers a Health assessment and planning tools. Moola is an information tool. It is not a bank, broker, investment adviser, tax adviser, or lender, and nothing in Moola is individualised financial, investment, tax, or legal advice. Moola cannot move money, make payments, or place trades.
Bank linking is provided by Plaid. When you link an account you also agree to Plaid’s terms, and you authorise Plaid and us to retrieve your account information on your behalf. Balances and transactions come from your institutions and may be delayed, incomplete, or wrong; check anything important with your institution. Other services Moola relies on (for example payments, email, property estimates, and market prices) are provided by third parties under their own terms.
You can let an AI assistant such as ChatGPT or Claude read your Moola workspace and, if you allow it, make changes there. You choose what to approve and can disconnect it at any time in Settings → Connected apps. Information an assistant reads is handled by its provider under your agreement with them. Assistants can make mistakes; review what they say and change before relying on it. An assistant can only record a planned money move; you carry it out at your bank.
Moola has a free plan and a paid plan, Moola Plus. Plus is billed in advance through Stripe on a recurring basis until you cancel. You can cancel any time in Settings; Plus stays active until the end of the period you paid for, and we don’t refund partial periods except where the law requires. We will tell you before a price change takes effect.
Your financial data is yours. You give us permission to store and process it only to run Moola for you, as the privacy policy describes. You can export it or delete your account at any time in Settings.
You can stop using Moola and delete your account at any time. We may suspend or close an account that breaks these terms or puts other users or Moola at risk, and we may discontinue Moola with reasonable notice.
Moola is provided “as is” and “as available”, without warranties of any kind to the extent the law allows. We don’t guarantee that Moola will be uninterrupted, error-free, or that its information is complete or accurate. To the extent the law allows, Milbo LLC is not liable for indirect, incidental, special, or consequential damages, or for financial decisions you make using Moola, and our total liability for any claim is limited to the greater of what you paid us in the 12 months before the claim or $50.
We may update these terms. If a change is material we will tell you in the app or by email before it takes effect; continuing to use Moola after that means you accept the new terms.
These terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law rules, and disputes will be heard in the state or federal courts located in Massachusetts.
Milbo LLC, Salem, Massachusetts. Email privacy@milbo.co.