Terms of Service

Last updated: February 3, 2026

Welcome to Money Mumma. By using our mobile application, you agree to these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing or using Money Mumma, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use the app.

2. Description of Service

Money Mumma is a mobile application designed to help users discover and track money-saving tips ("Money Wins"). Users can:

• Browse curated and community-submitted Money Wins
• Track their savings progress
• Submit their own Money Wins to share with the community
• Save Money Wins to their personal to-do list

3. User Accounts

To access certain features, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be responsible for all activity under your account

4. User-Generated Content

Your Content

When you submit content (Money Wins, notes, etc.), you:

• Retain ownership of your content
• Grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content within the app
• Confirm that your content is original or you have the right to share it

Content Moderation

All user-submitted Money Wins are reviewed by our moderation team before being published to the community. We reserve the right to:

• Approve, reject, or remove any content at our discretion
• Edit content for clarity or appropriateness
• Remove content that violates these terms

5. Community Guidelines

When sharing Money Wins with the community, you agree not to post content that:

• Is illegal, harmful, or promotes illegal activities
• Is misleading, fraudulent, or deceptive
• Contains spam, advertisements, or promotional material
• Infringes on intellectual property rights
• Contains personal attacks, harassment, or hate speech
• Includes personal information of others without consent
• Is sexually explicit or violent
• Promotes dangerous financial practices or scams

6. Reporting and Blocking

We provide tools to help maintain a safe community:

• Reporting: You can report content that violates our guidelines. We review all reports and take appropriate action.
• Blocking: You can block users whose content you do not wish to see. Blocked users' content will be hidden from your view.

7. Analytics & Data Collection

By using Money Mumma, you acknowledge and agree that we use analytics tools (including Vexo) to collect anonymised usage data such as screen views, interaction events, session replays, and custom feature-usage events. This data helps us understand how the app is used, identify issues, and improve the experience for all users.

No personally identifiable information is collected by our analytics provider. You can learn more about what data is collected in our Privacy Policy.

8. Prohibited Activities

You agree not to:

• Use the app for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the app's functionality
• Use automated systems to access the app without permission
• Impersonate another person or entity
• Collect information about other users without consent

9. Disclaimer

Money Mumma provides general information and tips for saving money. We do not provide financial advice.

The Money Wins and savings tips shared on this app are for informational purposes only and should not be considered professional financial, legal, or tax advice. Always consult with qualified professionals for advice specific to your situation.

We make no guarantees about the accuracy, completeness, or effectiveness of any Money Win. Savings results may vary based on individual circumstances.

10. Limitation of Liability

To the maximum extent permitted by law:

• The app is provided "as is" without warranties of any kind
• We are not liable for any indirect, incidental, or consequential damages
• Our total liability is limited to the amount you paid for the app (if any)
• We are not responsible for user-generated content, even after moderation

11. Account Termination

We may suspend or terminate your account if you:

• Violate these Terms of Service
• Engage in fraudulent or illegal activities
• Repeatedly submit content that violates our guidelines
• Harass or abuse other users

You may delete your account at any time through the app settings or by contacting us.

12. Changes to Terms

We may modify these Terms of Service at any time. We will notify you of material changes through the app or via email. Your continued use after changes constitutes acceptance of the new terms.

13. Governing Law

These Terms of Service are governed by the laws of Australia. Any disputes shall be resolved in the courts of Australia.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.