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 the website) and cookies. To learn more about our use of cookies, please refer to our Cookie Policy.

  • App users:

    • Name and email address

    • Income, assets, and debt details

    • Psychometric-based financial risk profile

    • Financial goals and timeframes

    • Self-assessed financial understanding and preferences

We do not collect any sensitive personal data (such as racial or health information).

 

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 process your data based on:

  • Legitimate Interest and Performance of Contract: To provide you with our core financial coaching services and personalised financial education tools.

  • Consent: For sending marketing communications. You may opt out of marketing at any time.

 

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

  • Improve your user experience and personalise recommendations

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 receiving marketing communications at any time by using the unsubscribe link in our emails or contacting us at help@moolamoney.com.

 

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. Data Storage and Security

Your data is stored by Moola Money securely within the European Union. 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 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.

 

9. Your Rights

You have the right to:

  • Access the personal data we hold about you

  • Request correction or deletion of your data

  • Withdraw consent for marketing

  • Lodge a complaint with a supervisory authority

To exercise these rights, contact us at support@moolamoney.com.

 

10. 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.

 

11. 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.

 

12. Contact Us

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

Privacy Graph.png

Cookie
Policy

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 are cookies?

Cookies are small text files that are placed on your device (like your computer or phone) by websites you visit. They're used to make websites work more efficiently and to provide information to the website owners.

​

3. How we use cookies

We use cookies to ensure our website functions correctly and to understand how you use our site so we can improve it.

​

4. Types of Cookies We Use Always Required Cookies (Essential)

These cookies are necessary for our website to function properly and cannot be turned off. They help with things like:

  • Authentication and session management: Keeping you logged in and remembering your preferences as you navigate the site.

  • Security and CSRF protection: Protecting our website and your data from potential security threats.

  • Survey progress/state preservation: Remembering your progress in surveys so you don't lose your work.

These cookies do not store any personally identifiable information.

​

Optional Cookies

You can choose whether to enable these cookies through our cookie banner.

  • Analytics Cookies: We use Google Analytics to understand how visitors interact with our survey and website. This helps us see which parts of our site are most popular, how long people spend on pages, and if they encounter any issues. This information helps us improve our website and survey experience. You can choose to disable these cookies.

  • Marketing/Advertising Cookies: Currently, we do not use any marketing or advertising cookies. However, we have reserved this category for any future integrations that might involve personalised advertising. If we introduce these, you will have the option to enable or disable them.

  • Non-essential Preference Cookies: These cookies help us remember choices you make, such as language preferences or display settings, to provide a more personalised experience. You can choose to disable these cookies.

 

5. Your Choices

When you visit our website, you'll see a cookie banner that allows you to manage your cookie preferences. You can always change your mind later by clicking on the cookie icon on the bottom left of our website.

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