Terms of Service

1. Acceptance of these Terms

These Terms of Service (“Terms”) are a binding agreement between you and Leemurcapital LLC, a California limited liability company (“Mouda,” “we,” “us,” or “our”), operator of the Mouda service at www.mouda-ledger.com and app.mouda-ledger.com (together, the “Service”).

By creating an account, selecting a paid plan, or otherwise using the Service, you accept these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service. We may update these Terms from time to time as described in Section 20.

2. The Service

Mouda helps active prop-firm traders see their spend, payouts, and net P&L in one place. With your permission, the Service connects to your bank or card accounts through Plaid, ingests read-only transaction records, classifies relevant charges to the prop firm they belong to (Apex, Topstep, and Tradeify at V1), and presents the result as a unified ledger and dashboard. You may also enter transactions manually.

You can set a monthly profit goal and a monthly expense limit. Mouda displays your status against those targets as a banner that shifts color as you approach or pass them. The banner is an informational signal — it does not block any action you take with your prop firm.

Mouda is not a brokerage, prop firm, financial advisor, tax advisor, or investment advisor. The Service is for your own record-keeping and self-awareness. You alone are responsible for your trading decisions.

3. Eligibility and accounts

You must be at least 18 years old and able to form a binding contract in your jurisdiction to use the Service. You may use the Service only on your own behalf, not on behalf of another person or entity unless you are an authorized agent for that person or entity. You are responsible for the accuracy of the information you provide at sign-up and for keeping it current.

4. Registration data and privacy

By registering, you confirm that the information you provide is true and complete and that you will keep it up to date. We handle the personal data you provide in accordance with our Privacy Policy. Read it before you sign up; if you do not agree with how we process data, do not use the Service.

5. Subscription tiers and pricing

Mouda is a paid service. A plan is required at sign-up — there is no free tier and no free trial. Current pricing is published on our pricing page. The available tiers at V1 are:

• Early Adopter — $8 / month — a limited cohort offered while spots remain. The $8 rate is locked for the life of your subscription as long as it stays active and in good standing.
• Basic — $12 / month — one linked bank account; standard support queue.
• Pro — $23 / month — multiple linked bank accounts; priority support queue.

Paid tiers renew automatically each billing period until you cancel. You authorize us — through Stripe, our payment processor — to charge your payment method on each renewal date. Applicable taxes are billed in addition to the stated price. We may change pricing for new sign-ups at any time; price changes do not apply retroactively to your existing subscription without notice given as described in Section 20.

6. Payment, cancellation, and no refunds

You may cancel your paid subscription at any time through the Stripe Customer Portal accessible from your Mouda account settings. Cancellation stops future renewals; your paid features remain active through the end of the billing period you have already paid for.

All payments are final and non-refundable. We do not issue refunds, prorated credits, or pro-rata returns for partial billing periods, unused portions of a subscription, or forgotten cancellations. It is your responsibility to cancel before your next renewal date if you no longer wish to be billed.

If a payment fails or is reversed, we may suspend access until you resolve the issue with Stripe. Repeated failed renewals may result in account termination as described in Section 18.

7. Your bank data and Plaid

The Service uses Plaid Inc. (“Plaid”) to link your financial institutions. When you go through Plaid’s Link flow, you authenticate directly with your bank and authorize Plaid to share read-only transaction information with Mouda. Mouda never receives your bank login credentials, and the Service has no ability to initiate transfers, move funds, or otherwise act on your bank account.

Your relationship with Plaid is governed by Plaid’s end-user privacy policy and the terms you accept inside Plaid’s Link flow. We are not responsible for Plaid’s availability, accuracy, or changes in coverage of any specific institution.

You can disconnect any linked institution from your Mouda Settings page. Disconnecting stops future syncs and revokes our read access; previously-ingested transactions remain in your ledger until you delete them or close your account.

8. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose, including money laundering, tax evasion, sanctions evasion, or evasion of any prop firm’s terms of service.
• Share, resell, sublicense, or otherwise transfer your account or your Mouda-derived data to third parties without our written permission.
• Upload, submit, or transmit any content that infringes another party’s rights, that is defamatory or fraudulent, or that contains viruses, malware, or exploit code.
• Probe, scrape, scan, or reverse-engineer the Service, its infrastructure, or its rate limits, except as expressly permitted by applicable law.
• Submit data on behalf of another person or institution without their authorization, including linking a bank account or card you are not authorized to access.
• Create or operate more than one Mouda account to circumvent plan limits, cohort availability, or any other usage restriction.
• Use the Service to harass, impersonate, or send abusive feedback or support submissions. Repeat abuse may result in suspension or termination.

9. Third-party services

The Service depends on third-party providers, including Plaid (bank-data linking), Stripe (payments), Supabase (database, authentication, file storage), Amazon Web Services (key management), Vercel (hosting), Upstash (queues), and Resend (transactional email). We are not responsible for outages, data inaccuracies, or changes in those services. Your use of any third-party service is also governed by that provider’s own terms.

10. Intellectual property and your content

Mouda, the Mouda name and logo, the design and layout of the Service, and all software powering the Service are owned by Leemurcapital LLC or its licensors and are protected by copyright, trademark, and other intellectual-property laws. These Terms grant you a limited, non-exclusive, non-transferable right to use the Service for your own personal or business record-keeping. Nothing in these Terms grants you any right to use the Mouda name, logo, or branding for any other purpose without our written permission.

You retain ownership of any data you provide to the Service or that we ingest on your behalf (including your linked-bank transactions, manual entries, budget targets, and feedback submissions). You grant us a limited license to host, copy, process, transmit, and display that data solely as needed to operate the Service for you. If you delete your account, this license ends as your data is purged in accordance with our Privacy Policy.

11. Accuracy of information

The Service classifies third-party transaction descriptions into prop-firm activity using a mapping table that we maintain and that you can override per transaction. Classifications, firm assignments, and any aggregate calculations may be incomplete, out of date, or inaccurate. Always reconcile against your bank statements and your prop firm’s own records before relying on Mouda for financial, tax, or business decisions.

12. No financial, investment, or tax advice

You assume all risk for any decision you make on the basis of information shown in or derived from the Service. Mouda does not advocate the purchase or sale of any investment, the starting or stopping of any prop-firm evaluation, or any other financial action. Mouda is not registered as an investment-adviser, broker-dealer, accountant, or tax preparer. Consult your own qualified professionals before taking action that may affect your finances.

13. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF DATA. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT TRANSACTIONS, AMOUNTS, DATES, OR FIRM CLASSIFICATIONS WILL EXACTLY MATCH YOUR BANK’S OR PROP FIRM’S RECORDS.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. Where they do not, the warranties are limited to the minimum extent permitted by applicable law.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MOUDA, ITS AFFILIATES, AND ITS SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES; LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL; OR TRADING LOSSES, EVALUATION FEES, COMBINE FAILURES, MISSED PAYOUTS, OR ANY SIMILAR OUTCOMES — WHETHER OR NOT MOUDA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE LEGAL THEORY ON WHICH ANY CLAIM IS BASED.

Our total aggregate liability for all claims arising out of or relating to the Service in any 12-month period is limited to the greater of (a) the fees you paid us in the 12 months preceding the event giving rise to the claim, or (b) USD $100.

Some jurisdictions do not allow the limitation of certain damages, so some of the above limitations may not apply to you. Where they do not, our liability is limited to the minimum extent permitted by applicable law.

15. Indemnification

You agree to defend, indemnify, and hold harmless Mouda and its officers, directors, employees, and agents from and against any claim, loss, liability, or expense (including reasonable attorneys’ fees) arising out of your misuse of the Service, your breach of these Terms, your violation of any law, or your violation of any third party’s rights. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with us in asserting any available defenses.

16. Security and your account credentials

You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must not transfer or share your account with anyone else, and we may immediately terminate any account that we reasonably believe has been transferred or shared. Notify us immediately at support@mouda-ledger.com if you suspect unauthorized access to your account or any other breach of security. We are not responsible for any loss or damage arising from your failure to safeguard your credentials.

17. International use

The Service is operated from the United States. We make no representation that the Service is appropriate or available for use in any particular location, and accessing the Service from a location where its content or features are illegal is prohibited. If you choose to access the Service from outside the United States, you do so on your own initiative and are responsible for compliance with local law. The Service is currently sold only to users who can be billed through Stripe in supported regions; coverage may change over time.

18. Suspension and termination

We may suspend or terminate your access to the Service at our discretion, with or without notice, for any reason, including if we believe you have materially breached these Terms or that your use poses a security, legal, or abuse risk to us or to other users. Suspected fraudulent or illegal activity may also be referred to appropriate authorities.

You may terminate at any time by deleting your account from Settings. On termination, your right to use the Service ends, and we will purge your data in accordance with the retention schedule in our Privacy Policy. Sections that by their nature should survive termination — including ownership, disclaimers, limitations of liability, indemnification, governing law, and dispute resolution — will survive.

19. Governing law and dispute resolution

These Terms are governed by the laws of the State of California, USA, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Any dispute arising out of or relating to these Terms or the Service shall first be addressed through good-faith negotiation between the parties. If the dispute is not resolved within 30 days, it shall be finally settled by binding arbitration seated in Orange County, California, USA, conducted in English under the rules of JAMS. Each party bears its own costs except as the arbitrator directs.

You and Mouda agree that any dispute will be brought in an individual capacity only, not as a class, collective, or representative action. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding.

Notwithstanding the above, either party may bring an individual-basis action in small-claims court for claims within that court’s jurisdiction, and either party may seek injunctive relief in a court of competent jurisdiction to protect intellectual-property rights.

20. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced by email or in-product notice at least 14 days before they take effect. The “Effective” date at the top of this page reflects the current version. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

21. Entire agreement and miscellaneous

These Terms, together with our Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement between you and Mouda regarding the Service and supersede any prior or contemporaneous understandings. These Terms may not be modified except as described in Section 20 or by a written agreement signed by both parties.

You may not assign or transfer these Terms or your account without our prior written consent; any attempt to do so is void. We may assign these Terms in connection with a merger, acquisition, or sale of assets, or by operation of law, subject to any applicable notice obligations.

Our failure to enforce any provision of these Terms is not a waiver of that provision. If any provision is held invalid or unenforceable, the remaining provisions remain in full force, and the invalid provision will be reformed to the minimum extent necessary to make it valid and enforceable.

We will not be liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, war, terrorism, civil unrest, labor disputes, government action, infrastructure failure, or third-party service outages.

22. Notices and contact

Notices to Mouda must be sent in writing to support@mouda-ledger.com. Notices to you may be sent to the email address associated with your account or posted in the Service. Questions about these Terms can also be sent to support@mouda-ledger.com.