top of page

Privacy
Policy

Moola Money ("we", "our", or "us") is committed to protecting the privacy of individuals who visit our website or use our financial coaching service. This Privacy Policy explains how we collect, use, store and protect your personal data.

 

1. Who We Are

Moola Money provides AI-augmented financial education and coaching, helping users gain confidence in managing their personal finances. We are based in the United Kingdom and operate in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 (DPA 2018).

 

2. What Personal Data We Collect

We may collect and process the following categories of personal data in order to provide our service:

  • Website visitors: Email address (if submitted via our website), together with cookies and similar technologies, including analytics and marketing identifiers. To learn more, please refer to our Cookie Policy.

  • App users:

    • Name and email address

    • Phone number (where you choose to link WhatsApp or verify your identity)

    • Income, assets, debt, savings, pensions and other financial details you provide

    • Psychometric-based financial risk profile

    • Financial goals and timeframes

    • Self-assessed financial understanding and preferences

    • Records of your interactions with our AI-augmented coach, including chat messages — in the app and, where you have opted in, over WhatsApp

    • Account and subscription information, including your Moola Pro status and billing details (card payments are processed securely by our payment provider, Stripe; we do not store full card details)

    • Technical and usage data (e.g. device information, IP address, and how you interact with our service)

We do not collect special category data (such as data about your health, race, or political views).

 

3. How We Collect Your Data

All non-cookie data is collected through direct user input within our app or website.

 

4. Why We Use Your Data (Legal Basis)

We rely on the following legal bases under UK GDPR:

  • Performance of a contract: to provide our core financial education and coaching services, manage your account, and — where you subscribe — provide Moola Pro and process your payments.

  • Legitimate interests: to operate, secure and improve our service and personalise your financial education tools, where not overridden by your rights.

  • Consent: for marketing communications; for non-essential analytics and marketing cookies and similar technologies (managed through our cookie banner); and for communicating with you over WhatsApp where you have opted in. You may withdraw consent at any time.

  • Legal obligation: where we must process data to comply with the law (for example, financial record-keeping).

 

5. How We Use Your Data

Your data is used to:

  • Generate a financial health report

  • Provide financial education content and coaching

  • Support interactions with our AI-augmented coach to define achievable goals

  • Provide guidance over WhatsApp, where you have opted in

  • Manage your account and, where applicable, your Moola Pro subscription and payments

  • Send you service-related messages and, with your consent, marketing communications

  • Improve your user experience and personalise the education and recommendations we show you

We do not use your data for automated decision-making or profiling.

 

6. Marketing Communications

We may send you email updates about new features or financial education content. You may opt out of marketing emails at any time using the unsubscribe link in our emails or by contacting us at support@moola-money.com. Where you havepted in to receive messages from us on WhatsApp, you can opt out at any time by replying STOP.

​

7. Third Parties

To help us run our services effectively, we sometimes use trusted external companies, known as third-party processors, who handle certain customer data on our behalf. These partners are essential for running our platform, offering key features and keeping everything secure.

 

We take your data protection seriously and thoroughly check all our third-party processors to make sure they meet the high standards of the UK GDPR and the Data Protection Act 2018. This means they're legally bound to keep your data safe and only process it according to our instructions. If your data ever needs to go outside the UK or European Economic Area (EEA), we make sure there are strong safeguards in place to protect it (such as UK GDPR adequacy agreements or Standard Contractual Clauses), just as if it were still in the UK.

​

Please see below for a list of our main third-party processors:

action data)

​​

​​

​​​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​​

 

 

 

 

​

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

​

​

​

​

​

​

​

​​

​

​

​

​

​

​

​​​​

​

​

​

​

​

​8. WhatsApp Messaging

If you choose to use our "Text Moola on WhatsApp" feature, you can link your phone number to your account and message our AI-augmented coach on WhatsApp.

  • Linking is optional and requires your explicit consent. To confirm the number is yours, we send a one-time code to it via WhatsApp.

  • When you message us, we process your phone number and message content to provide guidance based on the information in your Moola account. As with the rest of our service, this is general guidance and education, not regulated financial advice. 

  • Messages are delivered through our processors Twilio and WhatsApp (Meta), so your phone number and message content are processed by them, including outside the UK/EEA under appropriate safeguards.

  • You can stop at any time by replying STOP, and you can unlink your number in your account settings whenever you wish.

​

9. Data Storage and Security

our data is stored securely, primarily within the United Kingdom and European Economic Area (EEA). Some of our processors are located outside the UK/EEA (for example, in the USA) — where data is transferred internationally, we ensure appropriate safeguards are in place, such as UK adequacy regulations or the International Data Transfer Agreement / Standard Contractual Clauses. The locations of our processors are listed in the table above.

​​

We implement standard industry practices to protect your data, including:

  •  Data encryption in transit and at rest

  • Access controls and role-based permissions

  • Regular security reviews and audits

  • Monitoring for unauthorized access

We retain your data — including your account information and records of your interactions with our coach (in the app and over WhatsApp) — only for as long as needed to provide our services or as required by law. If you stop using our service, we may retain your data for a reasonable period (up to 24 months) for operational and legal purposes, after which it will be deleted or anonymised.

​​

10. Your Rights

You have the right to:

  • Access the personal data we hold about you

  • Request correction or deletion of your data

  • Object to, or request restriction of, our processing — including profiling

  • Request portability of your data

  • Withdraw consent at any time, including for marketing and for WhatsApp messaging

  • Lodge a complaint with a supervisory authority — in the UK, the Information Commissioner's Office (ICO) at ico.org.uk 

To exercise any of these rights, contact us at support@moola-money.com.

 

11. Children’s Privacy

Our services are intended only for users aged 18 and over. We do not knowingly collect data from children under 18. If we become aware of such data, we will delete it immediately.

 

12. Changes to This Privacy Policy

We may update this policy from time to time. Any significant changes will be communicated via our app or website.

 

13. Contact Us

For any questions, concerns, or requests related to your personal data, contact support@moola-money.com.

​

Moola Money Ltd, Silverstream House, 45 Fitzroy Street, London W1T 6EB".

Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the Moola Money website and web application (the "Service"). Please read them carefully.

​

About Moola Money Ltd ("Moola Money")

Welcome to Moola Money, your digital financial ally. We provide financial education and coaching to help you understand your personal finances and feel more confident about your financial future.

We use the information you share with us to:

  • Generate a personalised financial health report.

  • Help you define and refine your financial goals.

  • Deliver tailored educational content and support.

Important Note: Moola Money is currently in its early stages of development. We do not provide regulated financial advice. All content, including any interactions with our AI-augmented coach or human financial coach, are for educational and informational purposes only and should not be relied upon as a substitute for professional financial advice.

Moola Money is designed for users who are 18 years or older and are UK tax residents, as our services are tailored to UK financial and tax contexts.

​

1. Acceptance of Terms

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Service.

We may update these Terms from time to time. Your continued use of the Service after any changes constitutes your acceptance of the new Terms.

​

2. Eligibility

To use our Service, you must:

  • Be at least 18 years old.

  • Be a UK tax resident.

By using our Service, you confirm that you meet these eligibility criteria.

​

3. About the Service

Moola Money is an AI-assisted financial education and coaching platform that enables users to:

  • complete a financial self-assessment.

  • receive an automatically generated financial health report.

  • access AI-enabled goal-setting support.

  • engage with financial education resources and further AI-assisted or human financial coaching support.

Service Modifications: Moola Money reserves the right to modify, suspend, or discontinue, temporarily or permanently, the Service or any part of it, with or without notice. You agree that Moola Money will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service.

​

4. Account Registration

To use core features or save your financial report, you must create an account with a valid email address. You are responsible for keeping your login credentials confidential and for all activity that occurs under your account.

​

5. Prohibited Uses

You agree not to:

  • use the Service for any unlawful or fraudulent purpose.

  • reverse engineer, decompile, or disassemble any part of the Service.

  • use the Service for commercial purposes.

  • harvest, scrape, or misuse any user or platform data.

  • attempt to access another user's data or account.

We reserve the right to suspend or terminate accounts for violations of these Terms.

​

6. Intellectual Property

All intellectual property rights in the Service and all associated content (including but not limited to software code, user interfaces, text, images, videos, reports, tools, financial models, educational resources, logos, and trademarks) are owned by Moola Money or its licensors. These rights are protected under UK and international copyright, trademark, and intellectual property laws.

By using the Service, you acknowledge that:

  • you are granted a limited, non-exclusive, non-transferable, revocable licence to use the Service for personal, non-commercial purposes only.

  • you may not reproduce, modify, publish, distribute, transmit, display, reverse engineer, decompile, disassemble, or otherwise exploit any part of the Service or its content without our prior written consent.

Any unauthorised use of our intellectual property may result in legal action. All rights not expressly granted in these Terms are reserved.

​

7. User Feedback and Submissions

If you provide us with any feedback, suggestions, ideas, or other submissions relating to the Service ("Submissions"), you grant Moola Money a worldwide, perpetual, irrevocable, royalty-free, non-exclusive, sub-licensable, and transferable license to use, reproduce, modify, distribute, prepare derivative works of, display, and perform such Submissions for any purpose, without any compensation or attribution to you.

​

8. Future Pricing

Currently, our services are provided free of charge. In the future, we may introduce subscription plans for premium coaching or advanced tools and/or one-off payments for personalised services. Any paid features will be clearly communicated within the application and will be optional.

​

9. Disclaimer

All content, tools, and chatbot interactions provided by Moola Money are for informational and educational purposes only.

We do not provide regulated financial advice under UK law, and no part of our Service constitutes a recommendation to buy, sell, or invest in any financial product.

You must not rely on Moola Money for financial decision-making. Please consult a licensed financial advisor before acting on any insights from our Service.

Third-Party Links: Our Service may contain links to third-party websites or services that are not owned or controlled by Moola Money. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We encourage you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

​

10. Termination

We may suspend or terminate your account or access to the Service at our sole discretion, including if you:

  • breach these Terms.

  • misuse the Service.

  • attempt unauthorised access to data or systems.

  • engage in abusive or fraudulent behaviour.

You may delete your account at any time by contacting support@moolamoney.com

​

11. Limitation of Liability

To the fullest extent permitted by law, Moola Money excludes any liability for loss or damage arising from your use of the Service, which is offered on a free, informational basis.

In any event, our total liability for all claims will not exceed £100, unless otherwise required by law.

​

12. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes will be resolved exclusively in the courts of England and Wales.

​

13. Data Protection and Privacy

Your privacy is very important to us. We collect, use, store, and protect your personal data in accordance with our Privacy Policy, which can be found [insert link to Privacy Policy here].

Our Privacy Policy details:

  • What personal data we collect.

  • How we use your data.

  • Your rights regarding your data.

  • How we protect your data.

We also use cookies and similar technologies on our website and web application. For detailed information on how we use cookies and your choices regarding them, please refer to our Cookie Policy, available at [insert link to Cookie Policy here].

By using our Service, you acknowledge that you have read and understood our Privacy Policy and Cookie Policy.

​

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the validity, legality, and enforceability of the remaining provisions shall not in any way be affected or impaired.

​

15. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Moola Money regarding your use of the Service, superseding any prior agreements between you and Moola Money.

​

16. Contact

For any questions, feedback, or complaints, please contact us at:

📧 support@moolamoney.com

Effective Date: July 22, 2025

bottom of page