Terms of Service

Last updated: July 9, 2026

Welcome to MUONI. By accessing our landing page website or installing our mobile application, you agree to comply with and be bound by the following Terms of Service.

1. Use of the App

MUONI is a budgeting and debt payoff planning tool designed for personal, educational use. You agree to use the App solely for lawful purposes and in accordance with these Terms.

2. Security and Account Integrity

You are responsible for safeguarding the credentials you use to access the App. You agree to immediately notify us of any unauthorized use or security breaches. We are not liable for any losses caused by unauthorized access to your account.

3. Disclaimer of Financial Advice

MUONI provides automated calculations, debt scheduling comparisons, and AI chatbot prompts for informational purposes only. MUONI is not a registered financial advisor, CPA, or investment firm. We do not guarantee debt reduction, and any financial actions you take are at your own discretion and risk.

4. Third-Party Integrations (Plaid)

Your bank sync functions depend on Plaid, Inc. By linking bank accounts, you grant Plaid the right to retrieve and transmit your financial data in accordance with Plaid's privacy guidelines. MUONI is not responsible for errors, delays, or service disruptions caused by Plaid or your financial institution.

5. Changes and Termination

We reserve the right to modify, suspend, or terminate the App or these Terms of Service at any time. Continued use of the App following updates constitutes acceptance of the modified Terms.