Privacy Policy

Last Updated: 26th October 2025

1. Introduction

Welcome to Mulo. This Privacy Policy explains how Mulo Ltd (“we”, “us”, or “our”) collects, uses, shares, and protects your information when you use our mobile application (the “Service”).

This version of our Privacy Policy applies only to our current educational prototype, which provides interactive financial learning content.
We do not currently connect to bank accounts, payment systems, or any third-party financial data sources.

By using our Service, you agree to the collection and use of information in accordance with this Policy.

2. Who We Are (Data Controller)

Data Controller: Mulo Ltd
Registered in: United Kingdom
Address: Units 1 & 2 Field View Baynards, Baynards Green, Bicester, England, OX27 7SG
Email: hello@muloapp.com

3. Information We Collect

We collect limited information to provide and improve the Service.

A. Account and Profile Information

When you create an account, we collect your email address and password.
We may later request optional details (such as name or username) to personalise your experience. If we do, we will update this Policy.

B. Learning and Financial Profile Information

During your learning journey, you may choose to share general financial details (e.g., income, expenses, goals) to personalise your educational experience.
This information is used only within the app to adapt your learning content.
We do not access your real banking data or connect to external financial accounts.

C. User Content

We collect information you provide while using the app, such as your quiz answers, progress, and feedback.

D. Usage and Device Data

We use Google Firebase services to support and improve the app. This includes:

  • Firebase Authentication – to securely manage user accounts.

  • Firebase Firestore – to store your account and progress data securely.

  • Google Analytics for Firebase – to understand app usage and improve functionality. This data is aggregated and anonymised.

  • Device data – such as device type and operating system, for crash reports and optimisation.

4. How We Use Your Information

We use your information to:

  • Provide and maintain the Service – to create your account and save your progress.

  • Personalise educational content – to tailor learning modules based on your financial profile information.

  • Improve our app – to fix bugs, analyse engagement, and enhance features.

  • Communicate with you – to respond to support requests or send necessary service updates.

  • Send marketing updates (with your consent) – only if you opt in. You can unsubscribe anytime via a link in our emails.

  • Ensure security – to prevent unauthorised access or abuse of our systems.

5. How We Share Your Information

We do not sell your personal data. We share data only when necessary:

  • With Service Providers:
    We use Google’s Firebase services for authentication, storage, and analytics. Google acts as our data processor under strict data protection agreements.

  • Future Providers:
    If we add tools (e.g., analytics or customer support software), we will review them for security and update this Policy accordingly.

  • For Legal Reasons:
    We may share information if required by law, regulation, or court order.

  • For Educational Content:
    Our app may display information about financial products for learning purposes only. We do not share personal data with those third-party companies.

6. Data Security

We take your data security seriously.
We use secure cloud infrastructure (Firebase) and apply strict rules to ensure that users can only access their own data.

However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

  • We keep your personal information for as long as your account exists.

  • If you delete your account, we retain your data for a 30-day grace period in case you change your mind. After that, your data is permanently deleted from our live systems.

  • Aggregated and anonymised analytics data (which cannot identify you) may be retained indefinitely to improve our service.

8. Your Rights (Under UK GDPR)

You have the following rights regarding your personal data:

  • Access – Request a copy of your personal data.

  • Rectification – Correct inaccurate or incomplete information.

  • Erasure (“Right to be Forgotten”) – Ask us to delete your data.

  • Restriction – Request that we limit how your data is used.

  • Portability – Receive your data in a transferable format.

  • Objection – Object to specific types of processing (like marketing).

To exercise these rights, email us at hello@muloapp.com.

9. Children’s Privacy

Our Service is not intended for anyone under 18.
We do not knowingly collect personal data from minors. If you believe a child has provided us with information, please contact us so we can delete it.

10. Future Updates

As Mulo grows, we may introduce features such as open banking connections or financial product comparisons.
If we do, we will update this Privacy Policy to clearly explain what new data we collect and how it is handled.
We will always notify users before any material changes take effect.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Mulo Ltd
📧 hello@muloapp.com
🏢 Units 1 & 2 Field View Baynards, Baynards Green, Bicester, England, OX27 7SG