Terms of Service

1. Description of Service

Mullet is a personal finance operating system that aggregates financial account data, provides spending insights, and delivers card and rewards recommendations. Financial data is retrieved via Plaid with your explicit authorization.

Additional features include: Document Vault (AI-assisted extraction of transactions from uploaded bank statements and bills), Mullet Brain (AI-powered financial analysis), Cash Flow forecasting, Real Assets tracking, and an AI assistant. Some features require your explicit consent before processing your data — see Section 5A.

2. Eligibility

You must be at least 18 years old and a resident of the United States or Canada to use the App. By using the App, you represent that you meet these requirements.

3. Account Responsibilities

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at support@getmullet.com if you suspect unauthorized access.

4. SMS and Text Messaging

Text messaging is optional and is not required to create an account or use Mullet. If you choose to opt in to SMS or iMessage notifications, you agree to receive text messages from Mullet including verification codes, account notifications, spending alerts, and decision center links.

• Message frequency varies based on your notification preferences.
• Message and data rates may apply.
• Reply STOP to cancel at any time. Reply HELP for assistance.
• To opt out, reply STOP or disable messaging in your account settings.
• Consent to receive text messages is not a condition of service.
• For support, email support@getmullet.com.

5. Financial Information Disclaimer

Mullet provides informational tools and recommendations only. Nothing in the App constitutes financial, investment, legal, or tax advice. Always consult a qualified professional before making financial decisions.

5A. AI Features and Consent

Certain Mullet features use artificial intelligence to process your financial data. These features are always optional and require your affirmative consent before activation. Specifically:

• Document Upload & Processing: uploading a document sends its text content to a third-party AI provider (OpenAI) for data extraction. You must grant explicit consent before this occurs. You will be shown a disclosure at the time of consent.
• AI Assistant: questions submitted to the Mullet AI assistant are processed by our AI provider. Do not submit passwords, full account numbers, or other credentials through the assistant.
• Other AI features: additional AI capabilities (weekly briefs, scenario modeling, etc.) are individually toggleable and each governed by their own consent state.

You may revoke consent for any AI feature at any time in Settings → AI & Privacy. Revoking consent stops future processing but does not delete data already extracted and stored prior to revocation.

6. Third-Party Services

The App integrates with third-party services including, but not limited to: Plaid (bank connectivity), OpenAI (AI document processing and assistant features), Supabase (authentication), Twilio (SMS delivery), Railway (backend hosting), and Neon (database hosting). Your use of those services is subject to their respective terms and privacy policies.

A full description of what data each provider receives and under what terms is available in our Privacy Policy.

7. Prohibited Use

You agree not to:

• Use the App for any unlawful purpose.
• Attempt to reverse-engineer, scrape, or access the App's systems without authorization.
• Impersonate another user or provide false information.

8. Termination

We reserve the right to suspend or terminate your account at our discretion, with or without notice, for conduct that violates these Terms or harms other users.

You may delete your account at any time from Settings → Account → Delete Account. Deletion schedules permanent removal of your data after a 30-day grace period. You may also request deletion by contacting us at support@getmullet.com.

9. Limitation of Liability

To the maximum extent permitted by law, Mullet is not liable for any indirect, incidental, or consequential damages arising from your use of the App. The App is provided “as is” without warranties of any kind.

10. Changes to These Terms

We may update these Terms from time to time. Continued use of the App after changes are posted constitutes acceptance of the updated Terms. The “last updated” date at the top reflects the most recent revision.

11. Contact

Questions? Email us at support@getmullet.com.