Terms of service

The service

Moflow is a personal wealth-tracking tool. You record your accounts, holdings and transfers, and Moflow values them in one currency, keeps your monthly history, and shows you where your net worth is heading.

Not investment advice

Not investment advice — Moflow reports what you hold and what it is worth; decisions are yours.

Moflow is an information tool. It does not give investment, financial, tax, legal or accounting advice, does not recommend any investment, and is not your adviser or fiduciary. Comparisons against your targets, projections and retirement plans are calculations on third-party data and on the numbers you enter, and they can be wrong. Decisions about your money are yours; for advice, consult a licensed professional.

Moflow is not a broker, a dealer, a custodian or a bank. It holds no money or securities, executes no trades and moves no money. Prices and exchange rates come from third-party providers, are not live, and may be delayed, incomplete or wrong.

Connected services

If you connect a brokerage account, Moflow only reads it: positions, cash, balances and the deposits your broker reports come in. Moflow cannot place an order, trade or move money, and has no ability to act on your account. Figures from a connection are as your broker reports them and may be delayed, incomplete or wrong.

SnapTrade provides the connection to your brokerage. You accept its own End User Terms when you connect, and they apply to its service. Moflow never receives your broker sign-in details.

If you connect an AI assistant, it acts on your instructions, and its provider's own terms govern it. What it tells you is not advice from us, and what it changes in your ledger with your permission is a change you asked for — check it as you would your own entry.

Your account

Your account holds your ledger and any subscription. Your ledger syncs to every device you sign in on, and deleting the account deletes the synced copy. The demo needs no account.

• You must be at least 18, or the age of majority where you live if it is higher, to create an account. Moflow is not directed at children.
• Keep your sign-in credentials secure, and do not share them.
• One account is for one person.

Plans

Free keeps your whole ledger — accounts, positions, transfers and snapshots — with no cap on how much you record.

Moflow+ adds your brokerage accounts connected, your net worth charted month by month in Trends, your AI reading and writing the ledger, projections and the goals on the curve, messages to support sent from inside the app, and the retirement plan — the age you stop, and how long the money lasts. Erasing your data and deleting your account are free on every plan. The current list is always the one on the pricing page.

Subscriptions and cancellation

• Billing period. You are charged once a year, starting on the day you subscribe.
• Free trial. Moflow+ can be started as a 14-day free trial by an account that has not subscribed before. A card is required to start it and nothing is charged for those 14 days; at the end the subscription begins automatically, at the price above for the period you chose, and renews from there. Cancel before the end on the plan page at moflow.app, in a web browser, and you are charged nothing.
• Renewal. The subscription renews automatically at the end of each period, at the same price you joined at, until you cancel. There is no renewal markup and no introductory rate other than the free trial above. If the price changes for existing subscribers, we email you 30 days before the renewal that applies it, with how to cancel.
• Cancelling. Cancel at any time from the plan page at moflow.app, in a web browser, through Stripe's billing portal — no email, no retention call. You keep your plan until the end of the period you have paid for, and you are not charged again. If you cancel after a renewal, the unused days are refunded instead, as set out in Refunds.
• Bought in the App Store or on Google Play. Apple or Google bills, renews, cancels and refunds that subscription under its own terms, not under Cancelling and Refunds here.
• Where Moflow+ is sold. Moflow+ is not sold in every country. If the billing address you give at checkout is in a country where it is not sold, we cancel the subscription and refund any payment in full. Free is not affected.
• If your subscription ends. A lapse keeps your ledger, and your account stays open on Free. The paid features stop — among them your brokerage connection, your assistant, Trends and projections — while your snapshots stay in your ledger. An account you had connected keeps the last figures it received, and you can edit them by hand. The synced copy on our servers stays until you delete your account.

Refunds

A refund requested within 14 days of your first charge is granted in full, no reason needed. After that, cancelling stops the next charge, and you keep the plan until the period you paid for ends. If you cancel after a renewal, we refund the days of the renewed period you have not used, and the plan ends then.

If you were charged by mistake — a duplicate charge, or a renewal after you had cancelled — tell us and we refund it. Nothing here reduces any right to cancel or to a refund that the law where you live gives you.

Ask for a refund from our contact page.

Payment

Payments are processed by Stripe on its own page, and your card number never reaches Moflow. The privacy policy explains what we receive.

Your data

The privacy policy explains how we collect, use and share personal information. Erasing your data and deleting your account are free on every plan, from Settings. For a copy of what we hold, ask from our contact page, and we send you one, machine-readable and free of charge.

Acceptable use

• Do not access Moflow by automated means — scraping, crawling or bulk extraction — except through a connection Moflow offers for that purpose.
• Do not probe, scan or test Moflow's security, work around its limits, overload it, or interfere with anyone else's use of it.
• Do not copy, decompile or reverse engineer Moflow's software, except where the law allows you to despite this term.
• Do not resell or redistribute Moflow or its data, or use Moflow to give investment advice to other people.
• Do not use someone else's account, connect an account that is not yours to connect, or use Moflow for anything unlawful.

Suspension and termination

We may suspend or close an account that breaks these terms, puts Moflow, its members or anyone else at risk, or where the law requires it. Where we can, we tell you first. If we close an account for a reason other than a breach of these terms, we refund the unused part of any period you have paid for. When we close an account, we delete its data as if you had deleted the account yourself.

We may stop offering Moflow or any part of it. If we stop offering Moflow altogether, we give you reasonable notice and refund the unused part of any period you have paid for.

You can stop using Moflow at any time: cancel the subscription, erase your data, or delete your account. None of those is behind a plan.

Disclaimer of warranties

If you are a consumer in Quebec, this paragraph does not apply to you. To the extent the law allows, Moflow is provided “as is” and “as available”. We do not promise uninterrupted or error-free service, and we do not warrant that prices, exchange rates, figures from a connection, projections or retirement plans are accurate, complete or current. Projections and retirement plans are estimates based on assumptions you supply, not forecasts. Keep your own copy of any information that matters to you; we do not guarantee that data will never be lost.

A connection depends on your broker and on the service that carries it, and it can stop working. When it does, the account keeps the last figures it received and you can edit them by hand.

Limitation of liability

Nothing in these terms limits or excludes a liability that the law does not allow to be limited or excluded, or takes away a right you have as a consumer.

If you are a consumer in Quebec, this paragraph does not apply to you. To the extent the law allows, we are not liable for investment, trading or tax outcomes, for decisions you make using Moflow, for loss of profit or business, for indirect or consequential loss, or for loss caused by your broker, a data provider or an assistant you connect. Our total liability to you is limited to the greater of what you paid us in the 12 months before the claim and US$100.

If you use Moflow for a business rather than as a consumer, you indemnify us against claims, losses and reasonable costs that arise from your breaking these terms or the law in using it.

Changes to these terms

We may change the features in each plan, the price you renew at, and the rules in Acceptable use. We email you the new wording, and what it changes, 30 days before it takes effect. If it adds to what you owe or takes away from what you get, you can cancel at no cost before it takes effect or within 30 days after, and we refund the unused days of your paid period. Changes to this page carry a new “last updated” date.

General

Moflow — its software, design and content — belongs to us or our licensors. We give you a personal, non-transferable right to use it under these terms. Your ledger stays yours; you give us the permission we need to hold and process it to provide Moflow. If a part of these terms cannot be enforced, the rest still applies. We may transfer this agreement to a company that takes over Moflow, without reducing your rights under it; you may not transfer it. These terms are the whole agreement between you and us about Moflow; the privacy policy explains how we handle personal information.

Moflow is operated by Wechill Technology Inc., British Columbia, Canada. These terms are between you and that company, which “we” and “us” refer to.

Governing law

This paragraph does not apply to consumers in Quebec. These terms are governed by the law of British Columbia, Canada, and its courts can hear a dispute about them.

If you live in Quebec and use Moflow as a consumer, Quebec law governs these terms, and you can bring a dispute before the courts of Quebec.

If you use Moflow as a consumer, this choice of law does not take away any protection that the law where you live gives you and that no agreement can set aside, including any right to have a dispute heard in the courts there.