Privacy Policy

Last Updated: December 30, 2025

MÜLAH (“we,” “our,” or “us”) is committed to protecting your privacy and being transparent about how we collect, use, and safeguard your information. This Privacy Policy explains how your data is handled when you use the MÜLAH website, mobile application, and related services (collectively, the “Platform”).

By accessing or using MÜLAH, you agree to the practices described in this Privacy Policy.

1. Information We Collect

A. Information You Provide

• Email address and account credentials
• Profile information (username, preferences)
• Journal entries, reflections, tags, and notes
• Messages and interactions with AI features

B. Financial Information

If you connect financial accounts through third-party providers (such as Plaid):

• Transaction history
• Account balances and metadata
• Spending categories and financial activity

Important: MÜLAH does not store bank login credentials.

C. Automatically Collected Information

• Device and browser information
• App and website usage data
• Cookies (website only)
• Analytics and performance data

2. How We Use Your Information

• Operate and improve MÜLAH
• Provide personalized financial and emotional insights
• Improve AI models and analytics
• Maintain platform security
• Communicate service updates

3. Data Sharing & Disclosure

• We do not sell personal data
• Only shared with trusted providers (Plaid, hosting, analytics)
• Anonymized aggregated insights
• Legal or security reasons

4. Data Monetization Transparency

MÜLAH may generate revenue from anonymized, aggregated insights. These do not identify individual users. Users retain ownership of their personal content.

5. User Control & Choices

• Access and update your data
• Delete your account
• Disconnect financial accounts
• Control feature usage

6. Data Security

We use encrypted transmission, secure APIs, and limited access controls. No system is 100% secure.

7. Age Restriction

MÜLAH is for users 18 years or older.

8. International Use

MÜLAH operates in the United States. Data may be processed under U.S. laws.

9. Changes to This Policy

We may update this policy and change the date above.

10. Contact

Email: support@mulah.app