Terms & Conditions of Use
Mula Financial, Inc. ("Mula", "we", "us", "our") provides an online financial dashboard platform (the "Service") that allows users to access their bank account details and communicate with partners. By using our Service, you ("you", "your", "User") agree to be bound by the following terms and conditions ("Terms of Use"). Please read these Terms of Use carefully before using our Service. By accessing, browsing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.
1. Registration & Accounts
1.1 To use our Service, you must be at least 18 years old and have the legal capacity to enter into a binding agreement. By registering for an account and using our Service, you represent and warrant that you meet these requirements.
1.2 You must provide accurate, current, and complete information during the registration process and keep your account information up-to-date. You are responsible for maintaining the confidentiality of your account credentials and are solely responsible for all activities that occur under your account.
1.3 You may not use another person's account without their express permission. You must notify us
immediately if you suspect any unauthorized access or use of your account.
2. Privacy
Please review our Privacy Policy, which explains how we collect, use, and protect your personal
information. By using our Service, you agree to our Privacy Policy.
3. Third-Party Services
3.1 Our Service may require access to your bank account information and other financial information ("Financial Data") through third-party service providers. By using our Service, you grant us permission to access and use your Financial Data as necessary to provide the Service.
3.2 We are not responsible for the accuracy, availability, or reliability of any Financial Data or for any loss or damage that may arise from your reliance on such information. You acknowledge and agree that your use of third-party services and your Financial Data is at your own risk.
4. Intellectual Property Rights
4.1 All content, including but not limited to text, graphics, logos, and software, on the Service is the property of Mula or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from such content without our expressed written consent.
4.2 Mula grants you a limited, non-exclusive, non-transferable, non-sub-licensable license to access and use the Service for your personal, non-commercial purposes, subject to these Terms of Use.
5. Prohibited Uses
You agree not to use the Service for any unlawful purpose or in any way that could damage, disable,
overburden, or impair the Service. You may not use the Service in any manner that could interfere with any
other party's use and enjoyment of the Service.
6. Disclaimers
6.1 The Service is provided on an "as-is" and "as available" basis. Mula makes no representations or warranties of any kind, express or implied, regarding the Service or its content, including, but not limited to, warranties of merchantability, fitness for a particular purpose, or non-infringement.
6.2 Mula does not guarantee the accuracy, completeness, or usefulness of any information on the Service or that the Service will meet your requirements or be available on an uninterrupted, secure, or error-free basis.
7. Limitation of Liability
To the maximum extent permitted by law, Mula, its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including, but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of, or inability to access or use, the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
8. Indemnification
You agree to defend, indemnify, and hold harmless Mula, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Service, or your violation of these Terms of Use.
9. Termination
We reserve the right, without notice and in our sole discretion, to terminate your access to and use of the Service, or to suspend or deactivate your account, for any reason, including but not limited to your violation of these Terms of Use.
10. Governing Law & Jurisdiction
These Terms of Use and any dispute or claim arising out of or in connection with them or their subject
matter or formation (including non-contractual disputes or claims) shall be governed by and construed in
accordance with the laws of The Court of Chancery in Wilmington, Delaware. Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Service shall be instituted exclusively in the courts of The Court of Chancery in Wilmington, Delaware. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
11. Changes to Terms of Use
We reserve the right, at our sole discretion, to modify or replace these Terms of Use at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
12. Contact Information
If you have any questions about these Terms of Use or our Service, please contact us at support@mula.me
13. Miscellaneous
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Mula with respect to the Service and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Service. No failure or delay by Mula in exercising any right, power, or remedy under these Terms of Use shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power, or remedy preclude any other or further exercise thereof or the exercise of any other right, power, or remedy. If any provision of these Terms of Use is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
14. Assignment
You may not assign or transfer your rights or obligations under these Terms of Use without our prior written consent. We may freely assign or transfer our rights and obligations under these Terms of Use without restriction.
15. Force Majeure
Mula shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
16. Electronic Communications
By using the Service, you consent to receiving electronic communications from us, including emails, texts, mobile push notices, or messages through the Service. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communication be in writing.
17. Feedback
We welcome and encourage you to provide feedback, comments, and suggestions for improvements to the Service ("Feedback"). You may submit Feedback by emailing us at support@mula.me. By submitting Feedback, you grant us a non-exclusive, worldwide, royalty-free, irrevocable, sub-licensable, perpetual license to use and publish those ideas and materials for any purpose, without compensation to you.
18. Entire Agreement
These Terms of Use, along with our Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and Mula concerning your use of the Service, and supersede all prior agreements, understandings, representations, and warranties, whether written or oral, between you and Mula with respect to the Service.
19. Severability
If any provision of these Terms of Use is deemed invalid, void, or for any reason unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.
20. No Waiver
No waiver by Mula of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition, and any failure by Mula to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
21. Headings
The headings in these Terms of Use are for reference only and do not affect the interpretation of these Terms of Use.
22. Contact Us
If you have any questions or concerns about these Terms of Use or the Service, please contact us at: support@mula.me.
23. Third-Party Links
The Service may contain links to third-party websites, applications, or resources that are not owned or controlled by Mula. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites, applications, or resources. By using our Service, you acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites, applications, or resources. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites, applications, or resources that you visit.
24. Export Compliance
You acknowledge that the Service may be subject to export control laws and regulations, including those of the United States and any other applicable jurisdictions. You agree to comply with all applicable export and re-export control laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce, and not to transfer or otherwise export or re-export the Service, directly or indirectly, to any prohibited countries, entities, or individuals in violation of such laws and regulations.
25. Survival
Any provisions of these Terms of Use that by their nature should survive termination or expiration of these Terms of Use (including, without limitation, provisions regarding ownership, warranty disclaimers, indemnification, and limitation of liability) shall continue to remain in effect after termination or expiration of these Terms of Use.
26. Language
These Terms of Use have been drafted and shall be interpreted in the English language. In the event of any conflict between the English language version of these Terms of Use and any translations, the English language version shall prevail.
27. Dispute Resolution
In the event of any dispute, claim, question, or disagreement arising from or relating to these Terms of Use or the breach thereof, the parties hereto shall use their best efforts to settle the dispute, claim, question, or disagreement. To this effect, they shall consult and negotiate with each other in good faith and, recognizing their mutual interests, attempt to reach a just and equitable solution satisfactory to both parties. If they d not reach such a solution within a period of 60 days, then, upon the written notice by either party to the other, such dispute, claim, question, or disagreement shall be resolved through binding arbitration in accordance with the rules of Court of Chancery in Wilmington, Delaware then in effect, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
28. Data Deletion
28.1 Upon termination of your account or upon your request, you may have the option to request the deletion of your personal data and Financial Data associated with your account. To initiate this process, you must contact us at support@mula.me and provide sufficient information for us to verify your identity and locate your data.
28.2 Once we receive a valid request for data deletion, we will take reasonable steps to remove your personal data and Financial Data from our active systems within 30 days, subject to any legal, regulatory, or contractual requirements that may require us to retain certain data for a specified period.
28.3 Please note that due to the nature of our Service and the underlying technology, some residual data may remain in our backup systems and archives even after your data has been deleted from our active systems. This residual data will be deleted in accordance with our data retention policies and applicable legal requirements.
28.4 We are not responsible for any data that may remain in the systems or records of third-party service providers after your data has been deleted from our systems. It is your responsibility to contact such third-party service providers directly if you wish to request the deletion of your data from their systems.
28.5 Deletion of your data may result in the loss of access to certain features or functionality of the Service, and we are not responsible for any loss or inconvenience you may experience as a result of such data deletion.
29. Data Retention
29.1 Mula will retain your personal data and Financial Data for as long as your account is active or as needed to provide you with the Service. We may also retain your data for longer periods if required or permitted by law, or as necessary to protect our legal rights, comply with regulatory requirements, resolve disputes, or enforce our agreements.
29.2 When your data is no longer needed for the purposes set forth in our Privacy Policy or these Terms of Use, we will take reasonable steps to securely delete or anonymize your data in accordance with our data retention policies and applicable legal requirements.
30. Change to Privacy Practices
We reserve the right to change our privacy practices and the terms of our Privacy Policy at any time, in our sole discretion. If we make material changes to our privacy practices, we will notify you by posting an updated Privacy Policy on our website or through other appropriate means. Your continued use of the Service after we make any such changes constitutes your acceptance of the updated Privacy Policy.
31. User-Generated Content
31.1 The Service may allow you to submit, post, or share content, including but not limited to text, images, videos, or other materials ("User-Generated Content"). You retain all ownership rights in any User-Generated Content you submit, and by submitting User-Generated Content, you grant Mula a non-exclusive, royalty-free, worldwide, perpetual, irrevocable, and sub-licensable license to use, reproduce, modify, adapt, publish, translate, distribute, perform, and display such User-Generated Content in any media formats and through any media channels.
31.2 You represent and warrant that you have all necessary rights, licenses, and permissions to submit any User-Generated Content and to grant the licenses set forth in these Terms of Use, and that your User-Generated Content does not infringe the intellectual property rights, privacy rights, or any other rights of any third party.
31.3 Mula has the right, but not the obligation, to monitor, review, or edit any User-Generated Content. We may remove or refuse to display any User-Generated Content in our sole discretion if we believe it violates these Terms of Use, the rights of any third party, or any applicable law or regulation.
32. Responsibility for User-Generated Content
You are solely responsible for any User-Generated Content that you submit, post, or share on or through the Service. You assume all risks associated with the use of your User-Generated Content, including any reliance on its accuracy, completeness, or usefulness by others, or any disclosure of your User-Generated Content that makes you or any third party personally identifiable.
33. Notification
We may provide notifications, including those regarding modifications to these Terms of Use, by email, regular mail, or postings on the Service. By using the Service, you agree to receive such notifications in the manner described herein.
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Last updated: 15 Aug 2023