Effective Date: 03-04-2026

Welcome to Moolatara (a brand of Mummway). These Terms and Conditions ("Terms") govern your access to and use of our website, programs, courses, coaching services, and related offerings (collectively, the "Services").

By accessing or using our website or Services, you agree to comply with these Terms. If you do not agree, please do not use our Services.

1. General Terms

1.1 Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use our Services.

1.2 Modifications

Moolatara reserves the right to update, modify, or discontinue any part of the Services or these Terms at any time without prior notice. Continued use after changes implies acceptance.

2. Nature of Services

2.1 Description

Moolatara provides financial transformation programs, including:

Money mindset and emotional healing programs

Personal finance education

Business finance systems and coaching

Asset management and wealth-building guidance

These programs are educational and transformational in nature and do not constitute financial, investment, tax, or legal advice.

2.2 No Guaranteed Results

While we showcase real client results, outcomes vary based on individual effort, implementation, and circumstances. We do not guarantee specific financial results.

3. User Responsibilities

3.1 Account Information

You agree to provide accurate and complete information when enrolling and to maintain confidentiality of your account details.

3.2 Personal Responsibility

You acknowledge that:

You are responsible for your financial decisions

You will apply the teachings at your own discretion

Moolatara is not liable for your financial outcomes

4. Payments, Pricing & Refunds

4.1 Fees

All program fees are clearly listed on the website. Prices may change at any time.

4.2 Payment Plans

If you opt for a payment plan:

You agree to complete all payments

Failure to pay may result in suspension of access

4.3 Refund Policy

We offer a conditional satisfaction guarantee:

You must complete the program and demonstrate implementation

Refund requests must be submitted within [X days] of completion

Decisions are at Moolatara’s discretion based on participation

5. Intellectual Property

5.1 Ownership

All content including:

• Course materials
• Workbooks
• Videos
• Frameworks and methodologies

are the intellectual property of Moolatara and protected by copyright laws.

5.2 Restrictions

You may not:

• Copy, reproduce, or distribute content
• Resell or share program materials
• Use content for commercial purposes without permission

6. Community Guidelines

You agree not to:

• Post harmful, abusive, or misleading content
• Promote unauthorized services
• Violate any applicable laws

Moolatara reserves the right to remove users who violate these guidelines.

7. Third-Party Services

Our website may contain links to third-party tools or services.

We are not responsible for their content, policies, or outcomes.

8. Limitation of Liability

8.1 Disclaimer

Services are provided "as is" without warranties of any kind.

8.2 Liability Limitation

Moolatara shall not be liable for:

• Financial losses
• Business losses
• Indirect or consequential damages

arising from use of our Services.

9. Indemnification

You agree to indemnify and hold Moolatara harmless from any claims, damages, or liabilities arising from:

Your misuse of Services

Violation of these Terms

Your financial decisions or actions

10. Program Access & Availability

Access duration varies by program (e.g., lifetime access, limited-term access)

We may update or modify content at any time

Access may be revoked for violation of terms

11. Confidentiality

You agree to respect the privacy of:

Other participants

Coaches and facilitators

Sharing confidential information from programs is strictly prohibited.

12. Termination

We reserve the right to suspend or terminate access if:

• Terms are violated
• Payments are not completed
• Misuse of content occurs

13. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of [Insert Country/Region – e.g., United Kingdom / India].

14. Contact Information

Moolatara (Mummway)

Email: [email protected]

Website: www.moolatara.com

15. Acceptance

By using this website or enrolling in any program, you acknowledge that you have read, understood, and agreed to these Terms.