Acceptable Use Policy

1. Permitted Uses

The Service is designed for personal household financial management. Permitted uses include:

• Tracking personal and household account balances, transactions, and budgets
• Using Decision Lab modules to analyze your own household’s financial data
• Inviting members of your household to collaborate within your household account
• Exporting your own financial data for personal use
• Managing your subscription, billing preferences, and account settings

The Service is intended for personal, non-commercial household use only unless otherwise agreed in writing with Hellomula LLC.

2. Prohibited Activities

You may not use the Service to:

2.1 Security & Infrastructure

• Attempt to gain unauthorized access to any account, system, or network associated with the Service
• Probe, scan, or test the vulnerability of the Service or any related system
• Introduce malware, viruses, Trojan horses, or any other harmful or disruptive code
• Use automated tools (bots, scrapers, crawlers) to access the Service without our express written permission
• Interfere with or disrupt the integrity or performance of the Service or its infrastructure
• Conduct denial-of-service or distributed denial-of-service attacks

2.2 Data & Privacy

• Collect, harvest, or store personal information about other users without their consent
• Circumvent privacy settings or access controls that restrict access to data belonging to other households
• Use the Service to process personal data in violation of applicable privacy law (GDPR, CCPA, etc.)

2.3 Account Abuse

• Create multiple accounts for the purpose of circumventing plan limits or abusing free tier benefits
• Share account credentials with individuals outside your household
• Impersonate another person or entity, or misrepresent your identity or affiliation
• Use the Service on behalf of another person’s household without their consent

2.4 Commercial & Legal

• Resell, sublicense, or otherwise provide access to the Service to third parties for commercial purposes without prior written authorization
• Use the Service to provide financial advisory, tax preparation, or investment management services to clients
• Use the Service in connection with any illegal activity, including fraud, money laundering, or tax evasion
• Violate any applicable law or regulation, including export control laws

2.5 Reverse Engineering

• Decompile, disassemble, reverse-engineer, or otherwise attempt to derive the source code of the Service
• Modify, translate, or create derivative works of any component of the Service

3. User Content Standards

Any data, notes, labels, or other content you enter into the Service (“User Content”) must not:

• Contain content that is defamatory, obscene, or otherwise objectionable
• Infringe any third-party intellectual property rights
• Include personal information about third parties (other than household members who have consented)

We do not routinely review User Content but reserve the right to remove content that violates this AUP upon becoming aware of it.

4. Account Integrity

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activity that occurs under your account
• Notifying us promptly at support@hellomula.com if you suspect unauthorized access to your account

We will never ask for your password by email. If you receive such a request, treat it as a phishing attempt and report it to us.

5. Household Member Conduct

The Primary User of each household account is responsible for ensuring that all household members comply with this AUP. If a household member violates this AUP, the Primary User’s account may be subject to enforcement action in addition to or instead of the violating member’s account.

Household members must not use access granted to them to interfere with, damage, or export data belonging to other members without authorization.

6. Enforcement

We reserve the right to investigate any suspected violation of this AUP. Upon finding a violation, we may take one or more of the following actions at our sole discretion:

• Issue a warning to the account holder
• Temporarily suspend access to the Service
• Permanently terminate the account
• Remove or disable offending content
• Report the activity to law enforcement or regulatory authorities where required by law or where we believe there is a risk of harm

We will generally attempt to contact the account holder before taking action where doing so would not interfere with an investigation or create further risk. We are not obligated to do so in all circumstances.

Termination for AUP violations does not entitle the user to a refund. See our Refund Policy.

7. Reporting Violations

If you believe another user is violating this AUP or you have discovered a security vulnerability in the Service, please contact us:

• AUP violations: support@hellomula.com
• Security vulnerabilities: support@hellomula.com (please do not disclose publicly before contacting us)

8. Contact

For questions about this Acceptable Use Policy: