Molio Terms of Use

Last updated: October 17, 2026

1. These Terms

These Terms of Use (the "Terms") are an agreement between you and KEPLOOM TECH FZCO, a company registered in the Dubai Integrated Economic Zones (License No. 78779), Dubai Technology Entrepreneur Campus (DTEC), Dubai Silicon Oasis, Dubai, United Arab Emirates ("Keploom", "we", "us"). They govern your use of Molio.

You accept these Terms when you tick the box in the app that says you agree to them. If you do not agree, do not use Molio. You can delete your account at any time, in the app or by email (see section 19).

Our Privacy Policy explains how we handle your personal data. It is published at https://molio.app/privacy and is linked from the app.

If you downloaded Molio from Apple's App Store, Apple's standard Licensed Application End User License Agreement (the "Apple EULA") also applies to your licence to use the app. These Terms govern your account and the Molio service.

2. Who can use Molio

• You must be at least 18 years old and able to enter into a binding contract.
• You must give accurate information when you create your account and keep your sign-in details secure. You are responsible for what happens under your account. Tell us promptly at privacy@keploom.com if you think someone else has used it.
• An account is for one person. You may not share, sell or transfer it.
• You may not use Molio where the law that applies to you prohibits it, or if you are subject to sanctions that would make it unlawful for us to deal with you.

3. What Molio is

Molio is an information and education tool that helps you track and understand investments you hold elsewhere. Depending on your tier and the version of the app, it includes:

• tracking of the holdings and transactions you enter yourself, including stocks, funds and crypto-assets;
• market prices, company figures and exchange rates from third-party data providers;
• research screens, including Molio's own checks, which compare a security's figures with reference levels Molio chose;
• the Coach, an AI assistant that answers questions about your portfolio and about investing concepts;
• Sharia classification information published by Boubyan Capital, and a Zakat date reminder;
• strategies (educational examples written by Molio), the simulator, and Molio Plans;
• goals, a watchlist, price alerts, reminders and notifications;
• indicators of behavioural patterns calculated from the transactions you entered.

We may add, change or remove features. Some features are available only on a paid tier.

4. Molio is not investment advice

• Keploom is not licensed or registered as an investment adviser, broker, dealer or financial planner in any jurisdiction, and is not your fiduciary.
• Nothing in Molio is a personalised investment recommendation, an offer or solicitation to buy or sell any security or other asset, or advice about when to buy or sell. Molio gives no buy, sell or hold views, ratings, price targets or picks, and no personalised allocation advice.
• Nothing in Molio is tax, legal, accounting or religious advice.
• Figures in Molio describe the past and the latest available data. None of them is a forecast or a promise.
• All investing carries risk, including the loss of the money you invest. Crypto-assets can be especially volatile and can lose most or all of their value.
• Every investment decision is yours. Before you act, consider getting advice from a qualified, licensed professional who knows your circumstances.

5. Molio never holds your money or trades

Molio never connects to your brokerage, never asks for your brokerage credentials, never holds your assets, never executes trades and never moves money. Your holdings and transactions are what you enter; only market data, such as prices, exchange rates and company figures, refreshes automatically. You are responsible for the accuracy of what you enter. Molio's figures are only as accurate as that information and the third-party data behind them.

6. The Coach

• The Coach's responses are generated by artificial intelligence. They can be wrong, incomplete, out of date or unsuited to your situation. The Coach offers analytical framings and questions; it does not give instructions or recommendations, and it is designed to decline to tell you whether to buy, sell or hold a security.
• Figures the Coach quotes come from Molio's calculations over your data and third-party data, which can also be wrong. Check anything that matters before you rely on it.
• Do not type passwords, card numbers, government ID numbers or other people's personal data into the Coach.
• Coach use is limited, for example by a monthly question allowance on each tier and by daily usage limits that protect the service.
• When you use the Coach, your message, earlier messages from the same conversation and the portfolio data needed to answer it are sent to our AI provider, Anthropic, which processes them in the United States. The Privacy Policy describes what is sent and how it is handled.

7. Checks, strategies, the simulator and Molio Plans

• Checks. Molio's checks compare a security's figures with reference levels Molio chose. Those levels are not an industry standard. A check is not a rating, a prediction or a recommendation.
• Behavioural indicators. These describe patterns in the transactions you entered. They are not judgements about you and not advice.
• Strategies. The strategies in Molio are illustrative educational examples written by Molio. Molio does not run them as products, does not keep a track record for them, and does not recommend that you follow any of them.
• Simulator. The simulator replays past price data under the assumptions shown. Its results are hypothetical: they do not reflect actual trading, and past performance does not predict future results.
• Molio Plans. A plan is yours. You choose the securities, the amounts, the dates, the reminder times and any target mix or band. Molio reminds you on the dates you set, records a contribution only when you log it, and reports numbers about your plan, such as what you have contributed, what the plan's holdings are worth at the latest available prices, and how your current mix compares with the target you set. Logging a contribution adds the purchase you enter to your holdings. Molio does not tell you what, when or how much to buy or sell, and never buys or sells anything. A notice that your mix is outside the band you set reports your own rule; it is not a recommendation to buy, sell or rebalance. Company figures and dividend figures shown with a plan come from third-party data, describe the past and carry no verdict.
• Molio Plans are part of the paid Plus tier and may not be available everywhere or at all times.

8. Market data and other third-party information

• Prices, company figures, exchange rates and other data come from third-party providers. They may be delayed, incomplete or inaccurate, they may later be revised, and not every security is covered. Each price shows when it is from. Our data providers are Financial Modeling Prep (stock, ETF and fund prices, price history and company figures), CoinGecko (crypto prices and price history) and ExchangeRate-API (exchange rates). Some financial figures are supplied by them and are not computed by Molio.
• Amounts converted into your display currency use the exchange rate as of the date shown and are for display only.
• Third-party data in Molio is for your personal, non-commercial use inside Molio. You may not copy, extract, redistribute or resell it, or use it to build another product or service.
• Neither we nor our data providers promise that the data is accurate, complete or timely, and our data providers are not liable to you for it.

9. Sharia and Zakat information

• Sharia compliance labels in Molio report Boubyan Capital's published classifications, with the classification date and methodology version where shown. Classifications can change when Boubyan Capital reviews them. Molio reports them as published and does not issue Sharia rulings of its own. A security that is not classified is simply not classified; that does not mean it is not compliant.
• The Zakat feature is a date reminder that you set. Molio does not calculate Zakat or nisab and does not tell you what you owe. For religious guidance, consult a qualified scholar.

10. Alerts, reminders and notifications

Price alerts, and plan, review and Zakat reminders, are sent on the conditions, dates and times you set. They report information; they are not signals to act. Delivery depends on your device settings, your network and third-party delivery services, and can be late or fail. Do not rely on them for time-critical decisions.

11. Plus subscriptions

• Molio has a Free tier and a paid tier, Plus. Where Plus is offered in the app, it is sold as an auto-renewing monthly or annual subscription through Apple's In-App Purchase. The price is shown in the app before you buy, in your App Store currency.
• Payment is charged to your Apple ID account when you confirm the purchase. The subscription renews automatically at the end of each period unless you turn off auto-renew at least 24 hours before the period ends; the renewal is charged within the 24 hours before the period ends. You can manage or cancel the subscription in your Apple ID account settings.
• Refunds for App Store purchases are handled by Apple under Apple's policies. We cannot issue them.
• If the price changes, Apple will tell you in advance and, where Apple requires it, ask you to agree before you are charged the new price.
• Deleting your Molio account does not cancel your Apple subscription. Cancel it in your Apple ID account settings.
• We may change what each tier includes. If a change materially reduces what an active Plus subscription includes, we will tell you in advance.
• During the beta, paid features may be unavailable, offered free for testing, or changed.

12. Your content

• You keep ownership of what you enter into Molio, such as your holdings, transactions, notes, goals, plans and Coach messages ("your content"). You give Keploom a worldwide, non-exclusive, royalty-free licence to host, store, process and display your content as needed to provide Molio to you and as described in the Privacy Policy.
• You are responsible for your content. Only enter information you have the right to enter, and do not enter other people's personal data.
• If you send us feedback, including by flagging a Coach response, we may use it to improve Molio without any obligation to you.

13. Acceptable use

You agree not to:

• break the law, or use Molio to help anyone else break it;
• access, or try to access, another person's account or data, or any part of Molio you are not authorised to use;
• probe, scan or test the vulnerability of Molio, or get around its security, rate limits, usage limits or tier restrictions;
• scrape, harvest or bulk-extract data from Molio, or access it by automated means other than the app;
• copy, modify, reverse engineer or decompile the app, except where the law allows it despite this restriction;
• interfere with Molio's operation, or upload malicious code;
• try to make the Coach produce unlawful, harmful or misleading content, or get around its safeguards;
• use Molio to provide investment advice, research or other services to others, or resell or commercially exploit Molio or its content;
• impersonate anyone or misrepresent your connection with anyone.

14. Our intellectual property

Molio, including the app, its design, text, strategies and calculations, and the Molio and Keploom names and logos, belongs to Keploom or its licensors. We give you a personal, non-exclusive, non-transferable, revocable licence to use Molio for your own non-commercial purposes, in line with these Terms and, where it applies, the Apple EULA. We reserve all other rights.

15. Beta and availability

• These Terms cover the Molio mobile application and its related services, including TestFlight beta builds. They are a founder-authored interim, pending legal review.
• Molio is in beta. Beta builds are pre-release software: they may contain errors, they may change without notice, and features may be withdrawn. During TestFlight distribution, Apple's TestFlight terms also apply.
• We aim to keep Molio available but do not promise that it will be uninterrupted or error-free. We may suspend Molio for maintenance, security or legal reasons, or discontinue it.

16. Disclaimers

To the fullest extent the law allows, Molio and everything in it are provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, completeness, timeliness, fitness for a particular purpose or non-infringement. Nothing in these Terms excludes a warranty or right that cannot be excluded under the law that applies to you.

17. Limitation of liability

• To the fullest extent the law allows, Keploom is not liable for any investment, trading or financial decision you make or any loss arising from it; for any loss caused by inaccurate, delayed or missing data, Coach responses, reminders or alerts; or for any indirect, incidental, special, consequential or punitive loss, or any loss of profits, revenue, data or goodwill.
• To the fullest extent the law allows, Keploom's total liability to you for all claims relating to Molio is limited to the greater of the amount you paid for Molio in the 12 months before the claim arose and USD 100.
• Nothing in these Terms limits liability for fraud, gross negligence or wilful misconduct, for death or personal injury caused by negligence, or for anything else that cannot be limited under the law that applies.

18. Indemnity

To the extent the law allows, you will compensate Keploom for losses and reasonable costs arising from a claim by someone else that results from your breach of these Terms or your unlawful use of Molio.

19. Suspension, termination and deletion

• You can stop using Molio at any time. You can delete your account in the app (open the menu on the Home screen, then Profile → Delete account) or by emailing privacy@keploom.com. Deleting your account deletes it and the personal data linked to it, except the records the Privacy Policy lists as kept after deletion, and except copies that remain for a limited time in backups and with our service providers. The Privacy Policy explains what is kept after deletion and why. The licence in section 12 ends when your account is deleted, except for those records and copies.
• We may suspend or close your account, or limit features, if you breach these Terms, if the law requires it, or where needed to protect Molio, its users or others. Where reasonable, we will tell you first and explain why. We may also limit some features until you verify your email address.
• Any part of these Terms that by its nature should continue after your account ends, including sections 4, 8, 16, 17, 18 and 21, continues to apply.

20. Changes to these Terms

These Terms are versioned. If we change them, we will update the "Last updated" date above and the version at the end of these Terms. If a change is material, we will tell you in the app and ask you to accept the new version before you continue to use Molio. If you do not accept it, stop using Molio and cancel any subscription in your Apple ID account settings.

21. Governing law and disputes

• These Terms, and any dispute arising out of or in connection with them or with Molio, are governed by the laws of the United Arab Emirates.
• The courts of the Dubai International Financial Centre (the DIFC Courts) have exclusive jurisdiction over any such dispute.
• Nothing in this section takes away any right you have under mandatory consumer-protection law in your country of residence, including any right to bring a claim in your local courts.
• Before starting proceedings, please contact us at privacy@keploom.com so we can try to resolve the matter informally.

22. Apple

If you downloaded Molio from the App Store, these Terms are between you and Keploom, not Apple. Apple is not responsible for Molio or its content, has no obligation to provide maintenance or support for it, and is not responsible for addressing any claim by you or anyone else relating to Molio or your use of it.

23. General

• These Terms, together with the Privacy Policy and, where it applies, the Apple EULA, are the whole agreement between you and Keploom about Molio.
• If any part of these Terms is found unenforceable, the rest stays in effect.
• If we do not enforce a right straight away, we have not given it up.
• You may not transfer your rights or obligations under these Terms. We may transfer ours to a company that takes over Molio, as long as your rights under these Terms are not reduced.
• These Terms are written in English. If we provide a translation, the English version applies.
• We may send you notices in the app or by email to the address on your account.

24. Contact

KEPLOOM TECH FZCO, Dubai Technology Entrepreneur Campus (DTEC), Dubai Silicon Oasis, Dubai, United Arab Emirates. Email: privacy@keploom.com.

Version: terms-v1.3-beta