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. For eligible companies, the Service also generates a narrative company profile using a third-party AI language model; its cited figures are checked against the underlying filing, but the surrounding narrative is not fact-checked. Neither the rule-based technical outputs nor the AI-generated narrative are personalized, take into account your financial situation, or constitute investment advice, a rating, or a recommendation; both are for informational purposes only.
The Company does not:
All investment decisions remain the sole responsibility of the user.
Access to certain features requires the creation of an account. Accounts can be created and signed into with an email address and password, or via "Continue with Google".
New accounts created with an email address and password must verify their email with a one-time code before first sign-in; accounts created via "Continue with Google" use Google's own verified email and skip this step. If you forget your password, you can request a reset by email; completing a reset signs you out of all active sessions on every device, and you will need to sign in again with your new password. The Company applies automated safeguards, including bot detection and rate limiting on login, signup and password-reset attempts, to protect account access.
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 free plan includes 10 favorite/watchlist slots and 10 alerts. The paid "Moula Pro" plan is priced according to a favorites-slot tier you select, from 20 to 100 slots in increments of 10; your alerts capacity always matches the favorites tier you purchase.
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.
Checkout is available in USD or EUR only; the currency shown is pre-selected based on your location, but you may switch between USD and EUR yourself before subscribing. Once a paid subscription is active, the currency is locked and cannot be changed. Choosing annual billing applies a fixed 33% discount versus paying monthly.
Subscriptions renew automatically for successive periods unless cancelled prior to the renewal date.
Users may cancel their subscription at any time from the Upgrade page in the app. Cancellation takes effect at the end of the current billing period, and can be reversed from the same page at any time before then to resume automatic renewal.
Payment method updates and invoice history are managed through a Stripe-hosted billing portal, accessible from the Upgrade page. If a renewal payment fails, paid access is not withdrawn immediately: it continues while Stripe automatically retries the charge, and is only reduced once the subscription is ultimately cancelled or marked unpaid.
Within the first seven (7) days of a new paid subscription, users who are not satisfied may request a refund via the contact form; such requests are considered in good faith. Beyond this period, and except where required by law, payments are non-refundable for the ongoing subscription period. Refund requests are handled on a case-by-case basis.
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.
By subscribing to the Service and thereby requesting immediate access to it, you expressly acknowledge that performance begins immediately and that you accordingly waive your statutory right of withdrawal once the Service has been fully performed.
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.
Outputs include technical summaries and indicator aggregations generated automatically by quantitative rules, and, for eligible companies, an AI-generated narrative company profile. The AI-generated narrative's cited figures are checked against the underlying filing; the surrounding narrative itself is not. All such outputs are generic, not personalized, and do not take into account your financial situation, objectives, or risk tolerance. Nothing in the Service constitutes investment advice, a rating, or a recommendation.
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 via the live chat widget available on the site (subject to your cookie consent choices).