Terms of Service

Effective date: August 9, 2026

These Terms of Service ("Terms") govern your access to and use of Moo Money's website, web app, products, and services that link to these Terms (collectively, the "Service").

These Terms are a legal agreement between you and Moo Money ("Moo Money," "we," "us," or "our"). By creating an account, connecting a financial account, starting a subscription, clicking to accept these Terms, or using the Service, you agree to these Terms.

If you do not agree to these Terms, do not use the Service.

Website: https://moomoney.net
Support: support@moomoney.net
Privacy: privacy@moomoney.net

1. The Service

Moo Money is a finance tracking app for individuals, households, families, couples, and businesses. The Service may allow you to:

connect financial accounts;
track transactions;
create and manage budgets;
view cash flow and reports;
monitor net worth;
track investments and liabilities;
track real estate and estimated property values;
upload transaction attachments;
share household financial information;
manage subscription billing.

The Service is provided for tracking, organization, reporting, and informational purposes only. Moo Money does not provide financial, investment, tax, legal, lending, accounting, appraisal, or real estate advice.

2. Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction, to create an account or use the Service.

By using the Service, you represent that:

you meet the eligibility requirements in these Terms;
you have the legal authority to enter into these Terms;
all information you provide is accurate and complete;
you have authority to connect any financial account, property, business record, or other data you add to the Service;
your use of the Service complies with applicable law.

The Service is currently intended for users in the United States and Canada.

3. Accounts and Security

You are responsible for your account and anything that happens through your account.

You agree to:

provide accurate account information;
keep your login credentials secure;
use multi-factor authentication where available and appropriate;
promptly update inaccurate information;
promptly notify us if you suspect unauthorized access;
not share your account credentials with others;
not access another person's account or household without permission.

Moo Money may suspend or restrict access if we believe your account has been compromised, used unlawfully, used in violation of these Terms, or used in a way that creates risk for Moo Money, users, service providers, or others.

4. Household Sharing

Moo Money allows users to create, join, and share data within households.

By joining a household or inviting someone to a household, you understand and agree that household members may be able to view all household data, including:

financial accounts;
balances;
transactions;
budgets;
reports;
investments;
liabilities;
real estate information;
uploaded attachments;
notes, categories, tags, and manually entered records;
other household information.

Do not invite someone to a household, and do not join a household, unless you are comfortable sharing household financial information with that person.

If you leave a household, information you added, connected, edited, or uploaded may remain in that household unless it is deleted through the Service by someone with authority to delete it. You are responsible for managing household access and reviewing who can see household data.

5. Connected Financial Accounts and Plaid

Moo Money uses Plaid to help you connect financial institutions and retrieve financial data that you authorize.

By connecting a financial account, you authorize Moo Money, Plaid, your financial institution, and related service providers to access, retrieve, process, store, and display information needed to provide the Service. Depending on the accounts you select and the features you use, this may include account information, balances, transactions, investments, liabilities, and related financial data.

You represent that you have the right and authority to connect any financial account you add to the Service.

You may disconnect a financial institution through the Service. When you disconnect an institution, Moo Money deletes the access credentials or tokens that allow continued retrieval of data from that institution. Historical data may remain in Moo Money if you choose to keep it for manual tracking or until you delete it through the Service.

Financial data may be delayed, duplicated, stale, incomplete, unavailable, or inaccurate. Moo Money does not guarantee the accuracy, availability, completeness, or timeliness of data from Plaid, financial institutions, or other third parties.

6. Subscriptions, Trials, Billing, and Refunds

6.1 Plans

Moo Money offers monthly and yearly subscription plans. Plan features, pricing, and availability may change from time to time.

6.2 Standard 14-Day Trial

Moo Money may offer a 14-day trial. A payment method is required upfront through Stripe. Unless you cancel before the trial ends, your subscription will automatically convert to a paid subscription at the end of the trial.

6.3 Referral Program

Moo Money may allow eligible households to invite people who are new to Moo Money through a unique referral link. Unless a different offer is clearly stated, an eligible referred household receives a 30-day free trial, and the referring household may earn one free subscription month after the referred household completes its trial, begins a paid monthly or yearly subscription, and successfully pays its first non-zero subscription charge.

Referral offers are limited to first-time Moo Money customers. A person or household is not eligible if they previously created or belonged to a Moo Money household, used a free trial, held a paid subscription, redeemed a referral offer, or used another identity, email address, or household to avoid these restrictions. Self-referrals and referrals between members of the same household are prohibited. Each referred household may generate no more than one referral reward.

Free months are subscription benefits, not cash, stored-value balances, or transferable credits. They are automatically applied to eligible future renewals and cannot be manually redeemed, postponed, transferred, gifted, exchanged, or cashed out. For monthly plans, one free month covers one eligible monthly renewal. For yearly plans, each free month covers one-twelfth of an eligible yearly renewal. Unused free months remain available if the household changes between monthly and yearly plans.

Referral benefits apply only to the core recurring Moo Money subscription. They do not cover taxes, add-ons, one-time purchases, failed payments, or unrelated charges, and they cannot be combined with another coupon, promotion, discount, introductory offer, or trial extension. A free month is not earned for signing up, starting a trial, or connecting a financial account.

Moo Money may delay a referral for review, deny or revoke an unused reward, or restrict participation when we reasonably suspect fraud, abuse, duplicate accounts, payment reversal, refund, dispute, or violation of these Terms. A reward already used for a completed billing period may be recorded for review rather than creating a negative balance. We may change, suspend, or end the referral program, but doing so will not remove valid free months already earned unless fraud, abuse, payment reversal, or another violation applies.

6.4 Automatic Renewal

Subscriptions automatically renew until canceled. By starting a subscription, you authorize Moo Money and Stripe to charge your payment method for recurring subscription fees, applicable taxes, and other amounts described at checkout.

6.5 Payment Processing

Moo Money uses Stripe for checkout, payment processing, subscription management, billing portal access, coupons, payment status, and related billing services. Stripe may process your payment information under its own terms and privacy policy. Moo Money does not intentionally store full card numbers or card security codes.

6.6 Cancellation

You may cancel your subscription through the billing portal or other cancellation flow provided by the Service. Cancellation takes effect at the end of the current paid billing period unless stated otherwise. You will generally continue to have access to paid features until the end of the paid billing period.

6.7 Account Deletion Requires Subscription Cancellation

You must cancel any active subscription before deleting your Moo Money account. Account deletion does not automatically create a refund.

6.8 Refunds

Refunds are handled case by case. To request a refund, contact support@moomoney.net. Moo Money may approve or deny refund requests in its discretion, except where a refund is required by law.

6.9 Failed Payments

If payment fails, your subscription may become past due, incomplete, unpaid, paused, canceled, downgraded, or suspended. We may retry payment, notify you, restrict access, or terminate your subscription as permitted by law.

6.10 Price Changes

We may change subscription prices or plan features. If required by law or by our billing practices, we will provide notice before price changes take effect. Your continued use after a price change takes effect means you agree to the new price.

6.11 Taxes

Subscription prices may not include taxes. You are responsible for applicable taxes, duties, and similar charges.

7. Real Estate and Property Data

Moo Money may use RentCast and/or similar property-data providers to provide real estate and valuation information.

Real estate values, comparable properties, property details, and other property information may be estimates and may be inaccurate, incomplete, delayed, or unavailable. Moo Money does not provide real estate, appraisal, mortgage, lending, investment, tax, legal, or professional advice.

You are responsible for independently verifying property and valuation information before making decisions.

8. Automated Categorization

Moo Money may use automated systems, rules, and AI-assisted tools to categorize transactions or organize financial data.

Automated categorization may be wrong. You are responsible for reviewing, correcting, and verifying categories, budgets, reports, cash flow, balances, and other information.

Moo Money does not use automated categorization to provide financial, investment, tax, legal, lending, accounting, appraisal, or real estate advice.

9. No Professional Advice

Moo Money is provided for tracking, organization, reporting, and informational purposes only.

Moo Money does not provide:

financial advice;
investment advice;
tax advice;
legal advice;
lending advice;
accounting advice;
credit counseling;
real estate advice;
appraisal services;
professional recommendations.

You are solely responsible for your financial, business, tax, accounting, investment, lending, real estate, and legal decisions. Before making decisions, consult qualified professionals.

Moo Money does not guarantee that budgets, reports, balances, categories, projections, valuations, net-worth calculations, investment data, liability data, or other information are accurate, complete, current, or suitable for your needs.

10. User Content and Uploaded Files

You may submit, upload, store, or create content through the Service, including transaction notes, categories, tags, rules, budgets, support messages, profile information, transaction attachments, receipts, PDFs, images, manually entered records, and other materials ("User Content").

You retain ownership of your User Content. You grant Moo Money a worldwide, non-exclusive, royalty-free license to host, store, copy, process, transmit, display, and use your User Content as necessary to provide, operate, secure, support, improve, and enforce the Service and as described in the Privacy Policy.

You represent that you have the rights and authority necessary to provide your User Content to Moo Money and to share it with household members or other users you authorize.

You may not upload malicious, illegal, infringing, deceptive, harmful, unauthorized, or unsafe content.

Uploaded attachments are subject to file type, size, validation, security, and storage restrictions. Moo Money performs security validation intended to reduce unsafe uploads, but Moo Money does not currently use a dedicated third-party antivirus or malware-scanning engine and cannot guarantee that all unsafe files will be detected.

11. Acceptable Use

You may not:

violate any law or regulation;
use the Service for fraud, deception, abuse, or illegal activity;
access or attempt to access another user's account or household without authorization;
invite people to households deceptively or without proper authorization;
connect financial accounts, properties, business records, or other data you do not have authority to connect or use;
upload malware, viruses, harmful code, illegal files, or infringing content;
probe, scan, test, or attack the Service without permission;
bypass, disable, or interfere with security or access controls;
scrape, crawl, harvest, or extract data except through features we provide;
reverse engineer, decompile, or attempt to derive source code except where prohibited by law;
overload, disrupt, or interfere with the Service;
use the Service to build a competing product through unauthorized copying or data extraction;
misuse support, billing, refund, or dispute processes;
use the Service in a way that harms Moo Money, users, service providers, or third parties.

12. Privacy

Your use of the Service is subject to the Moo Money Privacy Policy. The Privacy Policy explains how we collect, use, disclose, store, and protect information.

By using the Service, you agree that Moo Money may process information as described in the Privacy Policy.

13. Third-Party Services

The Service depends on third-party services. These may include financial account connectivity providers, financial institutions, payment processors, authentication providers, property-data providers, hosting and cloud infrastructure providers, database and storage providers, analytics providers, communications providers, security providers, and professional service providers.

Examples of third-party services used for user-facing features may include Plaid, Stripe, Google sign-in, and RentCast.

Third-party services may be unavailable, delayed, inaccurate, discontinued, or changed. Moo Money is not responsible for third-party services, third-party data, third-party websites, third-party terms, or third-party privacy practices.

Your use of third-party services may be subject to their own terms, privacy policies, and fees.

14. Service Availability and Changes

Moo Money may change, suspend, remove, limit, or discontinue any part of the Service at any time. We may add or remove features, change interfaces, modify integrations, limit usage, or update functionality.

We do not guarantee that the Service will be uninterrupted, secure, error-free, accurate, or available at all times.

15. Security

We use reasonable measures designed to protect the Service and user information. However, no internet service, software product, database, storage system, or transmission method can be guaranteed to be 100% secure.

You are responsible for keeping your account secure and promptly reporting suspected unauthorized access or security issues to support@moomoney.net.

16. Intellectual Property

Moo Money and its licensors own the Service, including software, code, design, interfaces, features, graphics, logos, names, trademarks, service marks, content, and other materials, except for User Content and third-party materials.

These Terms do not grant you ownership of the Service or Moo Money intellectual property. You receive only a limited, revocable, non-exclusive, non-transferable right to use the Service in accordance with these Terms.

You may not copy, modify, distribute, sell, lease, sublicense, or create derivative works based on the Service except as expressly permitted by Moo Money or applicable law.

Feedback

If you send suggestions, ideas, feature requests, or feedback, you grant Moo Money a worldwide, perpetual, irrevocable, royalty-free right to use, copy, modify, publish, and incorporate that feedback without compensation or obligation to you.

17. Termination and Suspension

You may stop using the Service at any time. You may request account deletion through the Service, subject to subscription cancellation requirements and the Privacy Policy.

We may suspend, restrict, or terminate your access to the Service if we believe:

you violated these Terms;
your account creates security, fraud, legal, or operational risk;
your payment is past due or your subscription is inactive;
your use harms Moo Money, users, service providers, or others;
suspension or termination is necessary to comply with law.

Termination does not automatically cancel amounts already due, refund payments, or limit rights and obligations that should reasonably survive termination.

18. Disclaimers

To the fullest extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory.

Moo Money disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, reliability, and security.

Moo Money does not guarantee that:

the Service will be uninterrupted, secure, accurate, complete, or error-free;
financial data will be current, complete, or correct;
financial institutions, Plaid, Stripe, Google, RentCast, or other third parties will be available or accurate;
automated categorization will be correct;
budgets, reports, projections, valuations, calculations, or insights will be accurate or suitable for your needs;
defects will be corrected.

Some jurisdictions do not allow certain disclaimers, so some of the above disclaimers may not apply to you.

19. Limitation of Liability

To the fullest extent permitted by law, Moo Money and its owners, employees, contractors, agents, service providers, licensors, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, enhanced, or punitive damages; lost profits; lost revenue; lost savings; lost data; loss of goodwill; business interruption; or financial losses arising out of or related to the Service or these Terms, even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, Moo Money's total liability for any claim arising out of or related to the Service or these Terms will not exceed the greater of:

the amounts you paid to Moo Money for the Service during the 12 months before the event giving rise to the claim; or
$100.

The limitations in this section apply to all legal theories, whether based on warranty, contract, statute, tort, negligence, strict liability, or otherwise.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

20. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Moo Money and its owners, employees, contractors, agents, service providers, licensors, and affiliates from and against claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

your use of the Service;
your violation of these Terms;
your User Content;
financial accounts, properties, business records, or other data you connect or add without proper authority;
your violation of law;
your violation of another person's rights;
disputes between you and household members or other users.

21. Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-law rules, except where applicable law requires otherwise.

22. Dispute Resolution and Arbitration

Please contact us first at support@moomoney.net so we can try to resolve any dispute informally.

If a dispute cannot be resolved informally, you and Moo Money agree that, to the fullest extent permitted by law, disputes arising out of or related to the Service or these Terms will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small claims court if the claim qualifies.

22.1 No Class Actions

To the fullest extent permitted by law, you and Moo Money agree that disputes must be brought only on an individual basis. You and Moo Money waive the right to participate in a class action, class arbitration, collective action, representative action, private attorney general action, or similar proceeding.

22.2 Arbitration Rules

Unless the parties agree otherwise, arbitration will be administered by the American Arbitration Association under its applicable consumer arbitration rules. The arbitration will take place in Illinois or remotely, unless applicable law requires another location.

22.3 Opt-Out

You may opt out of this arbitration agreement by emailing support@moomoney.net within 30 days after first accepting these Terms. Your opt-out notice must include your name, account email address, and a clear statement that you opt out of arbitration.

22.4 Exceptions

Nothing in this section prevents either party from seeking temporary or preliminary injunctive relief in court to protect intellectual property, confidential information, account security, or unauthorized access to the Service.

23. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide notice as required by law, such as by updating the date above, posting a notice in the Service, or sending an account-related message.

Your continued use of the Service after updated Terms become effective means you agree to the updated Terms.

24. Contact

For questions about these Terms or the Service, contact:

Support: support@moomoney.net
Privacy: privacy@moomoney.net