Terms of Service

These Terms of Service (“Terms”) govern your use of Moolah at https://moolah.joelucas.dev and related APIs and services operated by Joe Lucas (“we”, “us”). By creating an account or using Moolah, you agree to these Terms and to our Privacy Policy.

If you do not agree, do not use the service. Effective date: 2026-10-27.

Moolah is a personal finance tracking tool. You manually add accounts, transactions, budgets, debts, installments, and related records. Moolah does not link to banks, does not request banking credentials, and cannot initiate payments or transfers.

The service is provided for personal, non-commercial use unless we agree otherwise in writing. Features may change, and early or free versions may have limits.

You must be able to form a binding contract in your jurisdiction and meet any minimum age required by law (and at least 13). You are responsible for the accuracy of registration information and for keeping your password confidential. You are responsible for activity under your account.

If Google Sign-In is available and you use it, you must also comply with Google’s terms for that sign-in method.

You agree not to:

• Break the law or infringe others’ rights using the service.
• Attempt unauthorized access, disrupt, or overload the service.
• Probe, scan, or reverse engineer the service except as allowed by law.
• Upload malware or content you do not have rights to use.
• Misrepresent your identity or the source of data you enter.
• Use the service to process personal data of others without a lawful basis.
• Resell, scrape, or automate access in a way that harms the service or other users.

We may suspend or terminate accounts that violate these Terms or that create security or operational risk.

You retain ownership of the ledger data and files you submit. You grant us a limited license to host, process, back up, and display that content solely to operate Moolah for you.

You can export data from Settings → Data. You can empty or remove ledgers in Settings. Account closure and deletion requests can be sent to support@joelucas.dev.

Moolah shows information you enter and calculations based on that information. It does not provide financial, investment, tax, accounting, or legal advice. Decisions you make with your money are yours alone. Confirm important figures with your own records or a qualified professional.

We aim for reliable uptime but do not guarantee uninterrupted or error-free service. We may modify, suspend, or discontinue features with or without notice when needed for maintenance, security, or product direction.

Free access in the current version does not create a promise of permanent free pricing. If paid plans are introduced later, we will describe them clearly before charging.

The service may rely on hosting, analytics (with consent), email, or sign-in providers. Their terms and privacy policies apply to their processing. We are not responsible for third-party sites linked from guides or documentation.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MOOLAH IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ACCURATE, COMPLETE, SECURE, OR FREE OF ERRORS OR HARMFUL COMPONENTS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, JOE LUCAS AND ANY CONTRIBUTORS TO MOOLAH WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR CLAIMS ARISING OUT OF THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM, OR (B) ONE HUNDRED PHILIPPINE PESOS (PHP 100), IF YOU HAVE NOT PAID US.

Some jurisdictions do not allow certain limitations; in those cases, the limitation applies only to the fullest extent allowed.

You will defend and indemnify us against claims, damages, and expenses (including reasonable legal fees) arising from your misuse of the service, your content, or your breach of these Terms, to the extent permitted by law.

These Terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-law rules. Courts in the Philippines will have exclusive jurisdiction over disputes, except that we may seek injunctive relief in any jurisdiction to protect the service or users.

We may update these Terms by posting a new version on this page with a revised effective date. Continued use after the effective date constitutes acceptance of the updated Terms. If you do not agree, stop using the service and request account deletion.

Questions about these Terms: support@joelucas.dev.

Related: Privacy Policy.