Runo

Effective June 8, 2026 · Last updated June 10, 2026

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Terms of Service

1. Acceptance of Terms

These Terms of Service (“Terms”) are a binding agreement between you and Runo HQ LLC (“Runo,” “we,” “us”), a Wyoming limited liability company located at 30 N Gould St, Ste N, Sheridan, WY 82801, United States.

By downloading, installing, accessing, or using the Mora iOS application (“Mora”) or visiting our website at runohq.com (the “Website,” and together with Mora, the “Service”), you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

These Terms apply to all users of the Service. Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

Please read these Terms carefully. They include important provisions, such as a binding arbitration clause and a class action waiver (Section 12), that affect your legal rights.

2. The Service

2.1 Description of the Service

Mora is a personal expense tracking application for iOS that allows you to log, categorize, analyze, and export your personal financial expenses. Mora is designed to store your data locally on your device, without requiring an account, password, or registration with Runo HQ LLC.

The Service includes:

  • The Mora iOS application available through Apple’s App Store
  • Optional AI-powered features (receipt scanning and voice expense entry), which require you to provide your own OpenAI API key
  • Subscription tiers that unlock additional features (described in Section 5)
  • The runohq.com website, including information about Mora and these Terms

2.2 No Account Required

Mora does not require you to create an account, provide an email address, or register with Runo HQ LLC to use the Service. Your data is stored locally on your device. This means:

  • You do not have a username or password with us
  • We do not maintain a record of who is using Mora
  • If you uninstall Mora or use the “Delete All Data” feature, your data is permanently lost and cannot be recovered by us

2.3 Service Availability

We aim to make the Service available and functional, but we do not guarantee that the Service will be available at all times, error-free, or uninterrupted. The Service may be temporarily unavailable due to:

  • Scheduled maintenance
  • Technical issues outside our control (including issues with Apple’s App Store, OpenAI’s API, or RevenueCat’s services)
  • Updates to the Service
  • Force majeure events

2.4 Modifications to the Service

We reserve the right to modify, suspend, or discontinue the Service (or any part of it) at any time, with or without notice. We may also add, remove, or modify features, change subscription tiers, or update pricing.

If we make a material change to the Service (such as discontinuing Mora or significantly reducing its features), we will provide reasonable advance notice through the app, our website, or other means.

If Runo HQ LLC ceases to operate Mora, your locally stored data on your device will remain accessible to you. The app will continue to function on your device for as long as it remains compatible with your device’s operating system, even if we stop providing updates or support.

3. Eligibility

You must be at least 13 years of age to use the Service (or 16 years of age in jurisdictions that require a higher minimum age for processing personal data, including the European Union, European Economic Area, and United Kingdom). By using the Service, you represent and warrant that you meet this age requirement.

If you are between 13 and 16 years of age and you reside in a jurisdiction requiring parental consent, you may only use the Service with the consent of your parent or legal guardian. By using the Service, you represent that such consent has been obtained.

You must also have the legal capacity to enter into binding contracts in your jurisdiction. By using the Service, you represent that you do.

You may not use the Service if you are barred from receiving services under applicable law (for example, if you appear on a U.S. government sanctions list).

4. Your Account and Data

4.1 No Account; Local Data

Mora does not require you to create an account, provide credentials, or register with Runo HQ LLC. Your data is stored locally on your device. This means:

  • You are responsible for backing up or exporting your data if you wish to preserve it
  • We do not have the ability to recover your data if it is lost (for example, if your device is lost, damaged, reset, or if you uninstall Mora)
  • You are responsible for the security of your device and for protecting your data from unauthorized access by others who may have access to your device

4.2 Data Export

You may export your expense data from Mora at any time as a CSV file. This export contains your complete expense history and can be opened in spreadsheet software, accounting tools, or any application that reads CSV files. CSV export is available to all users regardless of subscription tier.

4.3 Your OpenAI API Key

If you choose to use Mora’s AI features, you will need to provide your own OpenAI API key. You are responsible for:

  • Obtaining the API key from OpenAI
  • Managing your relationship with OpenAI, including any charges OpenAI bills to your account
  • Keeping the API key confidential and revoking it if compromised
  • Any costs incurred through your use of OpenAI’s services

Runo HQ LLC does not charge you for the use of AI features. All costs related to AI feature usage are billed by OpenAI directly to your OpenAI account.

5. Subscription Terms

5.1 Subscription Tiers

Mora offers the following tiers:

  • Free. Available to all users at no charge. Includes 15 new expenses per month, 6 default categories, editing of expenses from the last 30 days, basic analytics, text search of your expenses, and unlimited CSV export.
  • Pro Annual. A subscription billed annually at the price displayed in the App Store at the time of purchase. Includes unlimited expenses, 19 categories plus custom categories, editing of any expense at any time, advanced analytics with custom date ranges, budgets per category, unlimited CSV export, and date filters on expense search.
  • Pro Lifetime. A one-time purchase at the price displayed in the App Store at the time of purchase. Includes all features of Pro Annual, with no recurring charges.

Tier features and pricing are subject to change. Current features can be found at runohq.com; current pricing is shown in the Mora app and the App Store.

5.2 Free Trial of Pro Features

When you first install Mora, you will receive a 7-day free trial of Pro features. This trial does not require payment information, does not auto-renew, and does not require cancellation. At the end of the 7-day trial, Pro features will become locked unless you purchase a Pro subscription.

5.3 Billing and Payment

All purchases of Mora Pro Annual and Mora Pro Lifetime are processed by Apple through the App Store. Runo HQ LLC does not directly process payment for these purchases.

By purchasing a subscription:

  • You agree to pay all applicable fees as displayed in the App Store at the time of purchase
  • You agree to Apple’s billing terms, which are presented to you by Apple at the time of purchase
  • Your payment method on file with Apple will be charged at the time of purchase

5.4 Pro Annual Auto-Renewal

Mora Pro Annual is a subscription that automatically renews every 12 months unless cancelled at least 24 hours before the end of the current subscription period.

To cancel auto-renewal:

  • Open the Settings app on your iPhone
  • Tap your name at the top
  • Tap “Subscriptions”
  • Find Mora and tap “Cancel Subscription”

After cancellation, you will continue to have Pro features until the end of the current subscription period. No further charges will be made after that.

5.5 Pro Lifetime Purchase

Mora Pro Lifetime is a one-time purchase. It does not auto-renew. Once purchased, Pro features are available to you on the App Store account that made the purchase for as long as you have access to that App Store account and to a device running a compatible version of Mora.

Pro Lifetime is non-refundable except as required by applicable law (see Section 5.7).

5.6 Price Changes

We reserve the right to change the price of Mora subscriptions.

If we increase the price of an active Pro Annual subscription, we will provide reasonable advance notice (typically 30 days) before the increase applies to your renewal. Your current subscription period will not be affected by any price change.

Prices for new purchases may change at any time and are always displayed in the App Store before you buy.

For Pro Lifetime, the price quoted at the time of your purchase is the price you pay. Future Lifetime purchases may be offered at different prices.

5.7 Refunds

Refund requests for Mora Pro purchases are handled by Apple through its standard refund process. To request a refund, visit reportaproblem.apple.com and follow Apple’s instructions.

Runo HQ LLC does not directly process refunds for App Store purchases. We do not have the ability to issue refunds outside of Apple’s process.

If you are a consumer located in the European Union, the United Kingdom, or another jurisdiction with mandatory consumer protection laws (such as the 14-day right of withdrawal under the EU Consumer Rights Directive), you may have additional refund rights. These rights cannot be waived by these Terms.

6. AI Features and Third-Party Services

6.1 AI Features

Mora’s AI features (receipt scanning and voice expense entry) require you to provide your own OpenAI API key. By using these features, you acknowledge:

  • The image or audio you submit will be sent to OpenAI’s servers for processing
  • OpenAI’s terms of service and privacy policy will govern OpenAI’s use of that data
  • Runo HQ LLC does not have control over, and is not responsible for, OpenAI’s handling of your data
  • The results returned by OpenAI may be inaccurate, incomplete, or incorrect, and you should review them before saving

You are responsible for reviewing and editing AI-generated results before saving them as expenses. The AI features are an assistive tool, not a substitute for your own judgment.

6.2 Third-Party Services

Mora relies on third-party services to function. We’ve named them in our Privacy Policy and we name them here for clarity:

  • Apple — handles the App Store, payment processing, and subscription billing for Mora. You have a direct relationship with Apple through your Apple ID.
  • OpenAI — processes your AI submissions (receipt images, voice recordings) when you choose to use AI features. If you use these features, you have a direct relationship with OpenAI through your own API key and OpenAI account.
  • RevenueCat — verifies your subscription tier on Mora’s behalf. RevenueCat operates as our service provider; you do not have a direct relationship with them.
  • Vercel — hosts runohq.com and provides infrastructure for the website. Vercel operates as our service provider; you do not have a direct relationship with them.

Each of these services has its own privacy policy and terms of service. Their use of any data they receive is governed by their own agreements, not ours.

Runo HQ LLC is not responsible for the performance, availability, or actions of these third-party services.

If a third-party service becomes unavailable, modifies its terms, or ceases operation, certain features of Mora may become unavailable.

7. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Service in any way that violates applicable laws or regulations
  • Use the Service to engage in tax evasion, money laundering, or other illegal financial activity
  • Attempt to gain unauthorized access to the Service, other users’ devices, or our systems
  • Reverse engineer, decompile, disassemble, or attempt to extract source code from Mora, except to the extent permitted by applicable law
  • Use the Service to harass, abuse, or harm another person
  • Use automated means (bots, scrapers, etc.) to interact with the Service
  • Circumvent or attempt to circumvent any usage limits, including the limits imposed on the Free tier or daily AI usage limits
  • Resell, redistribute, or commercially exploit the Service without our written permission
  • Remove, obscure, or alter any copyright, trademark, or other proprietary notices in the Service

We reserve the right to terminate or suspend your access to the Service if we determine, in our reasonable discretion, that you have violated these Acceptable Use terms.

8. Intellectual Property

8.1 Our Intellectual Property

The Service, including all software, design, content, trademarks, logos, and other materials, is owned by Runo HQ LLC or its licensors and is protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws.

The name “Mora” and the Mora logo are trademarks of Runo HQ LLC.

8.2 License to Use the Service

Subject to your compliance with these Terms, Runo HQ LLC grants you a limited, non-exclusive, non-transferable, revocable license to:

  • Download and install Mora on a device that you own or control
  • Use Mora for your personal, non-commercial expense tracking purposes
  • Use the runohq.com website for purposes of learning about Mora and Runo HQ LLC

This license does not transfer ownership of any part of the Service to you. All rights not expressly granted are reserved.

8.3 Your Data and Content

You retain all rights to the data you create and store in Mora (including your expense records, categories, and any content you generate). Runo HQ LLC does not claim ownership of your data.

By using Mora’s AI features, you grant OpenAI a license to process your submitted data as governed by OpenAI’s terms. Runo HQ LLC does not receive any rights to your AI submissions.

9. Disclaimers and Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

To the maximum extent permitted by applicable law, Runo HQ LLC disclaims all warranties, including but not limited to:

  • Warranties of merchantability, fitness for a particular purpose, and non-infringement
  • Warranties that the Service will meet your requirements, be uninterrupted, secure, or error-free
  • Warranties regarding the accuracy, reliability, or completeness of any information provided by the Service, including AI-generated expense data
  • Warranties regarding any third-party services used by Mora

Mora is not a financial advisor. Information and analyses provided by Mora are for informational purposes only and do not constitute financial, accounting, tax, or legal advice. You should consult with qualified professionals for guidance specific to your situation.

Some jurisdictions do not allow the exclusion of certain warranties. If these laws apply to you, some or all of the above disclaimers may not apply, and you may have additional rights.

10. Limitation of Liability

To the maximum extent permitted by applicable law:

10.1 No Indirect Damages

RUNO HQ LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, including but not limited to lost profits, lost data, business interruption, or loss of goodwill, arising out of or related to your use of the Service.

10.2 Liability Cap

The total liability of Runo HQ LLC to you for any claim arising out of or related to these Terms or the Service shall not exceed the greater of:

  • The amount you paid Runo HQ LLC for the Service in the 12 months preceding the claim, or
  • One hundred United States dollars (US $100)

This limitation applies regardless of the legal theory of the claim (contract, tort, statute, or otherwise).

10.3 Exceptions

The limitations in this Section 10 do not apply to:

  • Liability that cannot be excluded under applicable law
  • Liability for fraud or willful misconduct by Runo HQ LLC
  • Mandatory consumer protection rights under EU or UK law (if applicable to you)

11. Indemnification

You agree to indemnify, defend, and hold harmless Runo HQ LLC, its affiliates, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • Your use of the Service in violation of these Terms
  • Your violation of any applicable law or regulation
  • Your violation of any third-party rights, including intellectual property rights
  • Your conduct in connection with the Service

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us. You agree to cooperate with our defense of these claims.

12. Dispute Resolution

12.1 Informal Resolution

Before initiating any formal dispute, we encourage you to contact us first at admin@runohq.com so we can attempt to resolve the matter informally. Many disputes can be resolved this way.

12.2 Mandatory Arbitration

If a dispute cannot be resolved informally, you and Runo HQ LLC agree that any dispute arising out of or related to these Terms or the Service will be resolved by binding arbitration, rather than in court, except as set forth below.

Arbitration shall be conducted under the rules of the American Arbitration Association (AAA) by a single arbitrator. The arbitration will take place in Wyoming, United States, or virtually, as agreed by the parties. The arbitrator’s decision will be final and binding.

12.3 Class Action Waiver

YOU AND RUNO HQ LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

12.4 Exceptions

The following types of claims are not subject to arbitration and may be brought in court:

  • Small claims court actions (if eligible under the rules of that court)
  • Claims for injunctive relief to prevent ongoing harm
  • Claims that cannot be subject to arbitration under applicable law

12.5 Governing Law

These Terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict of laws principles.

12.6 Time to File Claims

Any claim related to these Terms or the Service must be brought within one year of when the claim arose, except where applicable law requires a longer period.

12.7 Right to Opt Out

You may opt out of the arbitration and class action waiver provisions of this Section 12 by sending written notice to us at admin@runohq.com within 30 days of first accepting these Terms. Your notice must include your name, the device or App Store account associated with your use of Mora, and a clear statement that you wish to opt out.

13. Termination

13.1 Termination by You

You may stop using the Service at any time. To terminate your use:

  • Uninstall Mora from your devices
  • Cancel any active subscription through Apple (Settings → [your name] → Subscriptions)
  • Use the “Delete All Data” feature in Settings → Data & Privacy to remove your data before uninstalling, if desired

Termination does not entitle you to a refund of any subscription fees already paid (refund requests go to Apple per Section 5.7).

13.2 Termination by Us

We may terminate or suspend your access to the Service at any time, with or without notice, if you violate these Terms, engage in illegal activity, or for any other reason in our reasonable discretion.

If we terminate your access for reasons other than your violation of these Terms, we will provide reasonable advance notice when practicable.

13.3 Effect of Termination

Upon termination:

  • Your right to use the Service ends immediately
  • Your locally stored data remains on your device until you delete it or uninstall Mora
  • Sections of these Terms that by their nature should survive termination (including Sections 8, 9, 10, 11, 12, and 15) will survive

14. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will:

  • Update the “Last Updated” date at the top of these Terms
  • Post the updated Terms at runohq.com
  • Provide reasonable advance notice (typically 30 days) before the updated Terms take effect

For non-material changes (such as correcting typos or clarifying existing language), we may update the Terms without notice.

Your continued use of the Service after the effective date of updated Terms constitutes your acceptance. If you do not agree with updated Terms, you should stop using the Service.

15. General Provisions

15.1 Entire Agreement

These Terms, together with the Privacy Policy and any other agreements explicitly referenced, constitute the entire agreement between you and Runo HQ LLC regarding the Service. They supersede any prior agreements or communications.

15.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

15.3 No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

15.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our written consent. Runo HQ LLC may assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.

15.5 Independent Contractors

You and Runo HQ LLC are independent contractors. These Terms do not create a partnership, joint venture, employment, or agency relationship.

15.6 Notices

Notices to you may be provided through the Service, by email if you have provided one, or by posting on runohq.com. Notices to us must be sent to admin@runohq.com.

15.7 Headings

Section headings in these Terms are for convenience only and do not affect interpretation.

15.8 Force Majeure

We are not liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fires, floods, accidents, network infrastructure failures, strikes, or shortages of transportation, fuel, energy, labor, or materials.

16. Contact Us

If you have questions about these Terms or the Service, please contact us:

By email: admin@runohq.com

By mail:

Runo HQ LLC
30 N Gould St, Ste N
Sheridan, WY 82801
United States