Last updated: 17 February 2026
Moula is a web-based software service operated by SAROMAN SERVICES, a société à responsabilité limitée registered under number 939 635 439, with its registered office at 9 rue des Colonnes, 75002 Paris, France (the "Company").
These Terms & Conditions (the "Terms") govern access to and use of the Moula platform (the "Service").
By creating an account or using the Service, you acknowledge that you have read and accepted these Terms without reservation.
If you are acting as a consumer within the meaning of applicable European legislation, mandatory consumer protection provisions remain applicable.
Moula provides digital tools enabling users to record, organize, and analyze financial portfolio information, including stocks, ETFs, and other financial instruments.
The Service is strictly informational and analytical in nature.
Technical outputs (such as the "Technical Bias" or indicator summaries) are generated automatically based on predefined quantitative rules. They are not personalized, do not consider your financial situation, and are for informational purposes only. They do not constitute investment advice.
The Company does not:
All investment decisions remain the sole responsibility of the user.
Access to certain features requires the creation of an account.
Users undertake to:
The user is solely responsible for activities carried out through their account.
The Company reserves the right to suspend or restrict access in the event of non-compliance with these Terms.
The Service may be offered under a free plan and one or more paid subscription plans.
The characteristics, pricing, and features of each plan are described on the website at the time of subscription.
The Company reserves the right to modify its plans and pricing. Changes shall not affect current subscription periods already paid for and shall apply upon renewal.
Paid subscriptions are billed in advance on a monthly or annual basis, depending on the option selected.
Subscriptions renew automatically for successive periods unless cancelled prior to the renewal date.
Users may cancel their subscription at any time via their account settings. Cancellation takes effect at the end of the current billing period.
Except where required by law, payments are non-refundable for the ongoing subscription period.
If you are a consumer residing in the European Union, you benefit from a statutory right of withdrawal of fourteen (14) days from the conclusion of the contract.
However, where you expressly request immediate access to the digital Service and acknowledge that performance begins immediately, you waive your right of withdrawal once the Service has been fully performed.
The waiver is collected at the time of subscription where applicable.
Withdrawal requests may be submitted via the contact form.
Users agree to use the Service in good faith and in compliance with applicable laws.
In particular, users shall not:
The Company may suspend or terminate access in the event of breach.
All intellectual property rights relating to the Service, including software, databases, design, branding, and documentation, remain the exclusive property of the Company or its licensors.
The user is granted a limited, non-exclusive, non-transferable right to access and use the Service for personal purposes during the subscription period.
No transfer of ownership rights is granted.
Each party undertakes to treat as confidential any non-public information obtained in connection with the Service.
The processing of personal data is governed by our Privacy Policy, which forms an integral part of these Terms.
The Service is provided on an "as available" basis.
The Company may modify, update, or enhance the Service at any time, including by adding or removing features.
Temporary interruptions may occur for maintenance or technical reasons. The Company shall endeavor to minimize disruptions but does not guarantee uninterrupted availability.
The Service is provided for informational purposes only.
All outputs, including technical summaries and indicator aggregations, are generated automatically by quantitative rules. They are generic, not personalized, and do not take into account your financial situation, objectives, or risk tolerance. Nothing in the Service constitutes investment advice.
The Company does not guarantee:
Users acknowledge that financial markets involve risks and that historical performance does not predict future results.
To the fullest extent permitted by law, the Company shall not be liable for:
In any event, the Company's total liability for any claim arising out of or in connection with the Service shall not exceed the total amount paid by the user during the twelve (12) months preceding the event giving rise to liability.
Nothing in these Terms excludes liability that cannot be excluded under applicable law.
The Company may suspend or terminate access to the Service in case of:
Upon termination, the user's right to access the Service ceases.
Provisions relating to intellectual property, limitation of liability, and governing law shall survive termination.
These Terms are governed by French law.
In the event of a dispute:
Consumers may bring proceedings before the courts of their place of residence in accordance with applicable European regulations.
In all other cases, exclusive jurisdiction shall be granted to the competent courts of Paris, France.
The Company may amend these Terms to reflect legal, technical, or commercial developments.
Where modifications materially affect user rights, reasonable notice will be provided.
Continued use of the Service after the effective date of updated Terms constitutes acceptance.
SAROMAN SERVICES SARL
9 rue des Colonnes
75002 Paris, France
Contact via the contact form on our website or the in-app chat while logged in to your account.