Terms of Service

Effective Date: August 14, 2025

These Terms of Service (“Terms”) govern your use of the Milo mobile app (“App”) and any services provided through it (collectively, the “Service”). By using Milo, you agree to be bound by these Terms.

1. Eligibility

You must be at least 13 years old to use Milo. If you’re under 18, you need permission from a parent or guardian. By using the Service, you confirm that you meet these requirements.

2. Your Account

To use Milo, you’ll sign in with Google or Apple. Keep your login secure — you’re responsible for any activity under your account. If you believe your account has been compromised, contact us immediately at [email protected].

3. What You Can Do on Milo

Milo helps you understand your money and build better financial habits through a simple, gamified interface. You can:

• Connect your bank accounts via Plaid
• Track your spending and savings
• Set goals and get personalized daily spending guidance
• Interact with Milo, your budgeting companion
• Use optional paid features to enhance your experience

4. What You Can’t Do on Milo