Terms & conditions

1. Who these terms are with

These terms apply to the MyMoooolah app for iPhone (the “app”), published by Mike Clifford, a sole trader based in the United Kingdom (“I”, “me”). By downloading or using the app you agree to them. If you do not agree, please do not use the app.

These terms sit alongside the privacy policy, and together they are the whole agreement between us about the app.

The app is also distributed through Apple’s App Store, and Apple’s own terms apply to that distribution.

2. Licence to use the app

You are granted a personal, non-exclusive, non-transferable, revocable licence to install and use the app on devices you own or control, for your own personal or internal business use.

You may not copy, redistribute or sell the app, or attempt to reverse engineer, decompile or disassemble it, except where applicable law expressly gives you that right regardless of this restriction.

3. Ownership

I retain all intellectual property rights in the app — its code, design, name, logo and branding. Nothing in these terms gives you any right to use the MyMoooolah name or logo. Please do not remove or obscure any copyright or proprietary notices in the app.

Your data is yours. The figures you enter belong to you, not to me. I never receive them, so I claim no rights over them whatsoever.

4. This is not financial advice

This matters more than anything else on this page.

MyMoooolah organises figures that you enter and performs arithmetic on them. Its scores, projections, forecasts and dates — including the financial health score, debt payoff order, cash-flow forecast and retirement forecast — are illustrations based on your own inputs and stated assumptions. They are not financial, investment, tax, debt or legal advice, and they are not a recommendation to take or avoid any course of action.

Projections depend entirely on assumptions that may not hold. Real returns, inflation, interest rates, your income and your spending will differ from any figure the app shows. Past performance and modelled performance are not guides to the future.

I am not a regulated financial adviser and the app is not a regulated financial service. Before making a decision that matters, please take advice from someone qualified to give it. In the UK, free and impartial guidance is available from MoneyHelper.

5. Your figures are your responsibility

The app has no bank connection and never asks for banking credentials. Every balance, bill and transaction is one you enter or import yourself, and account balances are yours to keep up to date.

It follows that the app’s output is only ever as accurate as what you have put in. Please check anything important against your actual bank statements rather than relying on the app alone.

6. Backups are your responsibility

Because your data lives only on your device and I hold no copy, I cannot recover it for you if it is lost. Deleting the app, erasing your data, losing the device or a failed restore will remove it permanently.

The app provides Back up and Export to CSV in Settings, and I strongly encourage you to use them and keep the files somewhere safe. Restoring from a backup replaces what is currently in the app.

7. Availability, updates and changes

The app is provided as it is, and I may update it, change how it works, or stop offering it altogether. Updates may be required for it to keep working with new versions of iOS, and I do not guarantee support for older versions indefinitely.

The app is currently free. If that ever changed, it would apply to future versions and would be made clear before you paid anything — a version you have already installed will not start charging you.

8. Acceptable use

The app has no accounts, no social features and no way to publish or share anything with other users, so there is very little here to misuse. You simply agree not to use the app unlawfully, and not to attempt to break, tamper with or extract the software.

9. Ending this agreement

You can end it at any time by deleting the app. I may end it if you materially breach these terms; where the breach can be put right, I will say so and give you 14 days to do it, unless the breach involves unlawful activity or infringement, in which case it may end immediately.

When it ends, your licence ends and you should delete the app. Your data stays on your device until you remove it.

10. No warranty

The app is provided “as is”. To the extent permitted by law, I make no warranty that it will be uninterrupted, error-free, or fit for any particular purpose. This does not affect your statutory rights as a consumer, which cannot be excluded.

11. Limitation of liability

To the fullest extent permitted by law, I am not liable for indirect, incidental, special or consequential loss, including lost profits, lost data or business interruption, or for decisions you take on the basis of figures the app displays.

Nothing in these terms limits my liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation; or
• anything else that cannot lawfully be limited or excluded.

The app is supplied free of charge, so where liability can lawfully be capped it is capped at the minimum amount the law permits.

Again, none of this affects your rights under consumer protection law, which apply regardless of what this page says.

12. Age

The app is rated as suitable for all ages and collects no information from anyone. If you are under 18, please make sure a parent or guardian is happy for you to use it and agrees to these terms on your behalf.

13. Governing law

These terms are governed by the laws of England and Wales. Disputes may be brought before the courts of England and Wales. If you live elsewhere in the UK or in the EU, you keep the benefit of any mandatory consumer protection rules of the country you live in, and you may bring proceedings in your local courts where the law gives you that right.

14. Severability

If any part of these terms turns out to be invalid or unenforceable, it is narrowed only so far as needed to make it valid, and the rest continues to apply.

15. Changes to these terms

I may update these terms from time to time. The current version is always the one on this page, with its effective date at the top. Earlier versions are available on request.

16. Contact

Questions about these terms are welcome.