TERMS OF SERVICE AND LICENSE AGREEMENT — MOOSY Last updated: July 5, 2026 Welcome to Moosy. These Terms of Service and License Agreement ("Terms") govern access to and use of the Moosy application, the moosy.app website and related services (together, the "Service"), operated by Moosy ("we", "us"). By requesting access, creating an account or using the Service, you confirm that you have read, understood and accepted these Terms. If you do not agree, do not use the Service. 1. THE SERVICE 1.1. Moosy is a personal finance organization app that brings together, in one place: a monthly balance of income and expenses (including recurring entries), investment tracking with market quotes, financial goals, an emergency fund and accounts shared with invited members. 1.2. Moosy is an ORGANIZATION and VISUALIZATION tool. Moosy is NOT a financial institution, broker, advisory or investment consultancy, and no content in the Service constitutes a recommendation, offer or financial, accounting, legal or tax advice. Financial and investment decisions are your sole responsibility. 1.3. Quotes and market data displayed are provided by third-party public sources, may be delayed, unavailable or inaccurate, and are presented "as is". Net worth, returns and goal-progress figures are estimates calculated from the data you provide and from those sources. 2. INVITE-ONLY ACCESS AND REGISTRATION 2.1. Moosy is currently in an invite-only phase. Requesting access (name and e-mail) places you on a waiting list, with no guaranteed timeline for approval. 2.2. When creating your account, you agree to provide truthful information and to keep your credentials confidential. You are responsible for all activity performed with your account. 2.3. The Service is intended for people aged 18 or older. 3. LICENSE (EULA) 3.1. We grant you a personal, limited, non-exclusive, non-transferable and revocable license to install and use the Moosy application on devices you own or control, exclusively for personal, non-commercial use in accordance with these Terms. 3.2. You may not: (a) copy, modify, distribute, sell, rent or sublicense the Service; (b) reverse engineer, decompile or attempt to extract the source code, except where expressly permitted by law; (c) use the Service for unlawful purposes, to violate third-party rights or to build a competing product; (d) circumvent security mechanisms or access unauthorized areas; (e) use automated means to access the Service without authorization. 3.3. All intellectual property rights in the Service — including the brand, logo, visual identity, code, design and content — belong to Moosy or its licensors. Nothing in these Terms transfers any ownership rights to you. 3.4. The data you enter into the Service is yours. You grant us a license to use that data only to the extent necessary to operate the Service (store, process, display and synchronize it across your devices and authorized members). 4. SHARED ACCOUNTS 4.1. By inviting a member to a shared account, or accepting an invite, you understand that the financial data of that account (entries, assets, goals and settings) becomes visible to and editable by all of its members. 4.2. The account owner may remove members and delete the account at any time; deletion removes that account's data for everyone. 4.3. Invite only people you trust. We are not responsible for the acts of members you have invited. 5. PLANS AND PAYMENT 5.1. During the invite-only phase, use of the Service is free of charge. 5.2. We may, upon prior notice in the app or by e-mail, introduce paid plans. Continued use after the free period will depend on subscribing to the plan then in effect, with no retroactive charges and no automatic enrollment. 6. PRIVACY AND DATA PROTECTION 6.1. Moosy processes personal data in accordance with the Brazilian General Data Protection Law (Law No. 13,709/2018 — LGPD), as described in our Privacy Policy, which forms part of these Terms. 6.2. In short: we collect only what is necessary to operate the Service, we do not sell your data, and you may request deletion of your account and its associated data at any time. 7. AVAILABILITY, WARRANTIES AND LIABILITY 7.1. We make reasonable efforts to keep the Service available and secure, but it is provided "as is", with no warranty of uninterrupted or error-free operation. Maintenance, updates and external factors may cause temporary unavailability. 7.2. To the maximum extent permitted by law, Moosy is not liable for: (a) financial decisions made based on the information displayed; (b) inaccuracy of quotes and data provided by third parties; (c) indirect damages, lost profits or data loss caused by unforeseeable events, force majeure or misuse of the Service. 7.3. Nothing in these Terms excludes rights that cannot be waived under applicable consumer protection law. 8. SUSPENSION AND TERMINATION 8.1. We may suspend or terminate accounts that violate these Terms, the law or third-party rights, with notice where applicable. 8.2. You may close your account at any time in the app itself or by contacting us. After deletion, the data associated with your accounts will be removed, except for retention required by law. 9. CHANGES TO THESE TERMS 9.1. These Terms may be updated to reflect changes in the Service or in legislation. Relevant changes will be communicated in the app or by e-mail reasonably in advance. Using the Service after changes take effect means you agree to the new version. 10. GENERAL PROVISIONS 10.1. These Terms are governed by the laws of the Federative Republic of Brazil. Disputes will be resolved in the courts of the user's domicile, in accordance with consumer legislation. 10.2. If any provision of these Terms is held invalid, the remaining provisions remain in full force. 10.3. Questions, requests and notices: contato@moosy.app.