Terms of Service

Last updated: August 28, 2026

These terms govern your use of Moolo, a receipt-scanning expense tracker. By using Moolo you agree to them. If you don't agree, don't use the app.

1. Who we are

Moolo is provided by Moolo Software, located in British Columbia, Canada ("we", "us", "our"). Contact: hello@moolo.io

2. What Moolo does

Moolo lets you photograph receipts, have them read automatically, and track your spending. Receipts and the information extracted from them are stored on your device.

Moolo is provided free of charge. We may introduce paid features in future; if we do, those will be described separately and you will not be charged without agreeing first.

3. Your responsibilities

You agree to:

• Use Moolo only for lawful purposes
• Scan only receipts you are entitled to possess
• Not attempt to access, disrupt, or overload our servers or the AI services behind them
• Not attempt to reverse-engineer, decompile, or extract the source of the app beyond what applicable law permits
• Not use automated tools to submit requests to our service outside the app

We enforce rate limits and a daily spending ceiling to protect the service. Circumventing or attempting to circumvent these is a breach of these terms.

4. Accuracy — please read this one

Moolo uses artificial intelligence to read receipts, and AI makes mistakes.

Store names, dates, item names, prices, taxes, and totals may be extracted incorrectly. Insights, summaries, and totals calculated from that data will be wrong if the underlying data is wrong.

You are responsible for checking anything that matters. Do not rely on Moolo as your sole record of a purchase, and do not rely on it where accuracy has financial or legal consequences.

Moolo is not accounting software, tax software, or financial advice. It does not produce records suitable for filing taxes, claiming expenses, supporting a warranty claim, or any other formal purpose without independent verification. If you need reliable financial records, keep the original receipts and consult a qualified professional.

5. Your data is on your device

Receipts, images, and settings are stored locally on your device. This has consequences you should understand:

• We cannot recover your data. We do not have a copy.
• Clearing your browser data, uninstalling the app, or losing the device will delete your receipts permanently.
• We provide no backup service in the current version.

You are solely responsible for maintaining any records you need. If a receipt matters, keep the paper copy.

6. Third-party services

Reading a receipt requires sending it to third-party AI providers, currently OpenAI and Anthropic. Their handling of that data is governed by their own terms and privacy policies, which we do not control. Details are in our Privacy Policy.

We may change providers. We will update the in-app disclosure and the Privacy Policy if we do.

7. Availability

We aim to keep Moolo working but make no promise that it will be available, uninterrupted, or error-free. We may modify, suspend, or discontinue any part of the service at any time, including the scanning feature, without notice and without liability to you.

Scanning depends on third-party AI services. If those services are unavailable, slow, or change their terms, scanning may stop working.

8. No warranty

Moolo is provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you. Nothing in these terms limits any rights you have under the Business Practices and Consumer Protection Act (British Columbia) or other consumer protection law that cannot be waived by agreement.

9. Limitation of liability

To the fullest extent permitted by law:

• We are not liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or lost savings, arising from your use of or inability to use Moolo.
• We are not liable for any decision you make based on information Moolo produced, including inaccurate extraction or inaccurate insights.
• We are not liable for the loss of receipts or data stored on your device.
• Our total aggregate liability to you for any claim relating to Moolo will not exceed CAD $100, or the amount you have paid us in the twelve months before the claim, whichever is greater.

This applies regardless of the legal theory of the claim and even if we were advised of the possibility of the damages.

10. Indemnity

You agree to indemnify and hold us harmless from any claim, loss, or expense (including reasonable legal fees) arising from your misuse of Moolo, your breach of these terms, or your violation of any law or third-party right.

11. Intellectual property

Moolo, including its name, design, illustrations, and software, is owned by us and protected by copyright and other laws. These terms grant you a personal, non-exclusive, non-transferable, revocable licence to use the app. They do not transfer any ownership.

Your receipts and the data extracted from them are yours. We claim no ownership over them, and since they are stored on your device we have no access to them.

12. Ending your use

You may stop using Moolo at any time by deleting the app. That deletes your data.

We may suspend or terminate your access if you breach these terms, in particular if you abuse or attempt to circumvent our rate limits.

13. Changes to these terms

We may update these terms. When we do, we will change the date at the top. Material changes will be brought to your attention in the app. Continuing to use Moolo after a change means you accept the updated terms.

14. Governing law

These terms are governed by the laws of the Province of British Columbia and the federal laws of Canada that apply there, without regard to conflict-of-laws principles. You agree to the exclusive jurisdiction of the courts of British Columbia, subject to any right you have under consumer protection law to bring a claim elsewhere.

15. General

If any part of these terms is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it. These terms, together with the Privacy Policy, are the entire agreement between us regarding Moolo.

16. Contact

Moolo Software British Columbia, Canada hello@moolo.io