Terms of Service

Last Updated: 8/26/26

Welcome to Mouni Finance, a brand operated by Mouni Wellness Group, LLC (“Company,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website, the Mouni Money Dashboard application, and related services (collectively, the “Services”). By using the Services, you agree to these Terms. If you do not agree, please do not use the Services.

1. Eligibility & Use

You must be at least 18 years old to use our Services. You agree to:

• Provide accurate information

• Use the Services only for lawful purposes

• Not attempt to disrupt, misuse, or gain unauthorized access

2. Nature of the Services

Mouni Finance provides financial education, coaching, and tracking tools. We are:

• Not a bank

• Not a financial institution

• Not an investment advisor, tax advisor, or legal professional

The Mouni Money Dashboard is designed to help you track and understand your finances, not to manage them on your behalf.

3. Financial Disclaimer

All content and tools are for educational and informational purposes only. We do not provide:

• Investment advice

• Tax advice

• Legal advice

You are responsible for your own financial decisions. We encourage you to consult licensed professionals when appropriate. We do not guarantee any financial outcomes.

4. User Responsibility (Important)

You are fully responsible for:

• Reviewing and verifying your financial data

• Approving balances and financial snapshots

• Ensuring accuracy of any information connected via third-party services (such as Plaid)

We do not automatically update or control your financial data. The app is designed to support intentional review and decision-making by you.

5. Third-Party Services (Plaid, Stripe, etc.)

Our Services may integrate with third-party providers, including:

• Plaid (for account and transaction data)

• Stripe (for subscriptions and payments)

By using these features, you agree to their respective terms and policies. We are not responsible for the accuracy, availability, or performance of third-party services.

6. Accounts & Security

You are responsible for maintaining the confidentiality of your account. You agree to:

• Use a secure password

• Notify us of unauthorized access

We implement reasonable security measures but cannot guarantee absolute security.

7. Subscription & Payments

Mouni Finance offers free and paid subscription tiers.

• Paid subscriptions may include a trial period

• Billing is handled through third-party processors (e.g., Stripe)

• We do not store your payment details

Refunds are not guaranteed but may be offered on a case-by-case basis. If you have concerns, we encourage you to reach out.

8. Data & Account Deletion

You may request deletion of your account and associated data at any time. Once deleted:

• Your data will be removed from our active systems (subject to technical and legal limitations)

9. Limitation of Liability

To the fullest extent permitted by law: Mouni Wellness Group, LLC is not liable for:

• Financial decisions you make

• Errors or inaccuracies in financial data

• Issues arising from third-party services

Your use of the Services is at your own discretion and risk.

10. Dispute Resolution

If a dispute arises, we encourage you to contact us first so we can resolve it directly. If needed, disputes will be resolved through binding arbitration under the laws of the State of Illinois.

11. Updates to These Terms

We may update these Terms from time to time. Continued use of the Services means you accept any updates.

12. Contact

Email: [email protected]