Moku Terms of Service

Document version: v1.2 Effective date: 2026-06-18 Last updated: 2026-06-18

1. Acceptance of These Terms

These Terms of Service ("Terms") are a binding agreement between you and Arbor Ray, Inc. ("Moku," "we," "our," or "us") governing your use of the Moku mobile app, web app, and any related services we provide (together, the "Service").

By creating an account, uploading documents, connecting a health system, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. What Moku Is

Moku is a consumer health-education tool. You bring in medical records — by uploading documents you already have (lab reports, imaging reports, discharge summaries, visit notes, and similar files) or by connecting a health system so your records are retrieved at your direction — and Moku reads them, organizes them, and generates educational summaries and suggested questions for you to discuss with a clinician.

Moku is designed to help you:

Understand what is in your records
Notice things that may be worth following up on with a clinician
Prepare for visits and appointments
Keep an organized history for yourself and for the family members you care for

3. Not Medical Advice

Moku is not medical advice, diagnosis, or treatment, and it is not a substitute for professional medical judgment. Moku is a consumer educational tool. We are not a healthcare provider. We do not have a treatment relationship with you. Using Moku does not establish a doctor-patient relationship between you and Moku or anyone associated with Moku.

Specifically:

Do not start, stop, or adjust a medication, screening, treatment, or care plan based on what Moku shows you. Bring findings to a licensed clinician.
Confidence scores and explanations are educational. Every finding Moku surfaces includes a confidence indicator and links back to the source page in your records. Review the source. If something looks wrong, tell us.
AI can be wrong. Moku's outputs are generated by AI models and may contain errors, omissions, or misinterpretations. Verify anything that matters with a qualified clinician.
Moku is not regulated as a medical device. It is not FDA-cleared and is not intended to diagnose, treat, cure, or prevent any disease.

In an emergency, call 911 (in the United States) or your local emergency number. Moku is not designed for urgent or emergency care.

4. Eligibility

You must be at least 18 years old to create a Moku account and to use the Service. By using the Service, you represent and warrant that you are 18 or older.

In addition, any profile subject — the person whose records you bring in — must also be at least 18 years old. Moku does not support pediatric records, whether added by the individual themselves or by a caregiver. The Service is not directed to children, and we do not knowingly permit the registration of accounts by, or the addition of records belonging to, individuals under 18.

Moku is currently offered only to residents of the United States. The Service is not available for use in the European Economic Area, the United Kingdom, Switzerland, mainland China, Hong Kong, or Macau.

5. Your Account and Security

To use Moku, you create an account using a valid email address and authenticate using the methods we support. You are responsible for:

Providing accurate account information and keeping it current
Maintaining the confidentiality of your login credentials
All activity that occurs under your account, including activity by anyone you authorize to access it
Notifying us promptly if you believe your account has been accessed without your authorization

We are not liable for losses arising from unauthorized use of your account that results from your failure to safeguard your credentials.

6. Bringing In Records for Yourself or Others

You may use Moku to organize records for yourself or for another adult you care for — whether you upload them or connect a health system. When you bring in records belonging to someone other than yourself, you confirm that you have legal authority — or that person's informed consent — to do so. As stated in Section 4, the profile subject must be at least 18 years old.

Legal authority includes (without limitation) holding a valid healthcare power of attorney, being a court-appointed guardian for an adult, or acting as the personal representative of an estate. Where a profile subject is unable to give informed consent (for example, due to incapacity), you must rely on legal authority rather than consent. If you act as a caregiver, you are responsible for using the information in Moku appropriately on behalf of that person, for honoring their wishes about how their information is handled, and for deleting their data at their request.

We may at any time ask you to confirm your authority to bring in records on behalf of another person, and we may suspend or terminate your account if we have reasonable grounds to believe you lack such authority.

You are responsible for ensuring that any records you bring in do not violate the rights of any third party.

Connecting a health system

The connect feature relies on a third-party record-retrieval vendor — currently Fasten Health, Inc. — that retrieves your records from healthcare organizations at your direction. By using the connect feature, you acknowledge that:

You will accept the vendor's own terms. During the connect flow you will be asked to review and agree to the vendor's own Terms of Use and Privacy Notice. The vendor's handling of your information within that flow is governed by the vendor's documents; our Privacy Policy governs your records once they reach Moku.
Only connect accounts that are yours to connect. You may only sign in to patient-portal accounts that belong to you, or that you are legally authorized to access on behalf of someone you care for under this Section 6. Identity verification, where required, must be completed truthfully and in your own name (or, where supported, in the name of the person you are authorized to represent).
Availability and completeness are not guaranteed. Not every healthcare organization is available to connect, and a connected organization may return records that are incomplete, delayed, or differently formatted than what you see in your patient portal. The vendor's network and each organization's participation may change over time. The connect feature is provided subject to the disclaimers in Sections 15 and 16.

7. Acceptable Use

You agree to use Moku only for its intended purpose — organizing and understanding medical records for yourself or someone you care for. You agree not to:

Use the Service in any way that violates applicable laws or regulations
Upload records, or connect accounts, that you do not have authority or consent to access (see Section 6)
Attempt to gain unauthorized access to any part of the Service, to other users' accounts, or to our systems or infrastructure
Probe, scan, or test the vulnerability of the Service, or breach any security or authentication measures, except as part of a coordinated disclosure program we publish
Use the Service to transmit malicious code, malware, or other harmful content
Reverse-engineer, decompile, disassemble, or attempt to derive the source code or underlying ideas of the Service, except to the extent applicable law expressly permits
Scrape, crawl, or extract data from the Service by automated means, except through interfaces we expressly provide for that purpose
Resell, redistribute, or commercially exploit the Service or its outputs without our prior written permission
Use the Service to provide medical, clinical, or diagnostic services to third parties, or to make decisions about anyone's care other than your own or that of a family member you care for under Section 6

We reserve the right to investigate and take appropriate action — including suspension or termination — against any user we reasonably believe to have violated these restrictions.

8. License to Use the Service

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use of organizing and understanding medical records for yourself or for someone you care for under Section 6. This license does not include any right to resell or commercially exploit the Service or its outputs.

9. Payments, Purchases, and Refunds

9.1 What we sell. Most of Moku is free. Some features are paid: a one-time Records Review (the fee to connect a health system and generate a full review of the records we retrieve — the price is shown to you before you pay; currently from $50, and an unusually large multi-system record may be quoted a higher price at the scope screen, before any payment; each review applies to one profile); an optional Monitoring subscription (currently $4.99/month) that keeps watching your connected records; and optional credits and add-ons that unlock additional depth (expanded research, voice, extra uploads). Some purchases — including the Records Review — include a credit grant you can use on those features. Prices may change; the price shown to you at the time of purchase governs that purchase.

9.2 How you pay. Where you buy determines who processes payment. On the web, payments are processed by Stripe, and Moku is the merchant of record. In the iOS app, all purchases are made through Apple's In-App Purchase; Apple is the seller of record, and your purchase is also subject to Apple's terms. We never receive your full payment-card number (see our Privacy Policy, Section 3).

9.3 48-hour money-back guarantee (Records Review and credits). If you are not satisfied, you may request a refund within 48 hours, and we will make it right. How the refund reaches you depends on where you bought it (see Sections 9.2 and 9.5): for web purchases we refund you directly; for App Store purchases the refund is requested through Apple, with our backstop (Section 9.5). We ask for a brief reason to help us improve and prevent abuse; we do not require you to justify it.

Records Review — request within 48 hours of the review being completed. If a connection fails or returns no records, we refund you automatically, even outside the window, because we delivered nothing. A refund may re-lock the review's findings and stop any monitoring tied to it; information you already viewed or saved is yours.
Credits and add-ons — request within 48 hours of your most recent credit purchase, which is the only purchase a refund applies to (earlier purchases are treated as accepted). We remove up to that purchase's credit amount from your current unused balance (your balance never goes below zero); credits you already spent produced a service and are not returned, but you keep whatever they produced.

9.4 Monitoring subscription. The monitoring subscription is a recurring charge (currently $4.99/month) that automatically renews each month until you cancel; cancellation takes effect at the end of the current billing period. Manage or cancel it in the app (web) or through your Apple account (iOS). We will give you advance notice of any price change before it takes effect. Unless we expressly offer one, there is no free trial. The subscription does not carry the money-back guarantee, and we do not refund the current period; you simply stop being charged going forward. Applicable taxes are handled as described in Section 9.7.

9.5 App Store (iOS) refunds. For anything bought through Apple's In-App Purchase, Apple — not Moku — decides and issues the refund, on Apple's timeline (typically a review of 24–48 hours, with funds returning on Apple's schedule) and at Apple's discretion; we will help you request one in the app. To process your request, Apple may require us to share limited transaction and delivery/consumption status about your purchase — never your medical records or the health information we extract from them (see our Privacy Policy, Sections 3 and 9). If Apple definitively declines a refund for a Records Review or for credits, Moku will refund you another way — promptly, through a separate payout channel. (Because Apple, not Moku, controls your App Store payment, we cannot reverse the Apple charge ourselves; instead we reimburse you the same amount through another payment method.) To send that refund, we may need to ask you for the details required to pay you. If Apple later also grants a refund we already paid, we will reconcile so that you are not paid twice. This backstop does not apply to the monitoring subscription.

9.6 Fair use. The guarantee is for genuine dissatisfaction, not repeated buy-and-refund cycling. We may decline a refund or limit future purchases where we reasonably believe the process is being abused. We may revoke or reconcile your access to what a refund covered as part of handling it.

9.7 Taxes. On the web, applicable sales tax may be added at checkout. For App Store purchases, Apple handles applicable taxes.

9.8 Chargebacks. If you think you were charged in error, please contact us first — we can usually resolve it faster than a bank dispute. While we investigate a dispute or chargeback, we may pause the paid features tied to that purchase until it is resolved.

10. Your Content

You retain ownership of the records you bring to Moku — uploaded or retrieved from connected health systems — and of the personal information you provide. You grant us a limited license to use that content solely for the purpose of providing the Service to you — including reading, processing, extracting structured information, generating educational outputs, storing your data, and sharing it with the categories of recipients described in our Privacy Policy. We do not use your content for any other purpose without your separate consent.

You are responsible for the accuracy, legality, and rightful possession of the content you bring in.

11. Moku's Intellectual Property

The Service, including its software, design, user interface, brand elements, documentation, and the templates and prompt frameworks we use to generate educational content, is the property of Moku and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works of the Service except as expressly permitted by these Terms or applicable law.

The structured outputs Moku generates from your records (summaries, explanations, suggested topics) are produced for your personal educational use. You may save, print, and share those outputs with your clinician or your own family for those purposes.

12. AI-Generated Content and Its Limits

Moku's pipeline uses AI models to read your records, extract structured information, and generate explanations and suggestions. Because AI models can produce inaccurate or incomplete outputs, you should treat everything Moku generates as a starting point for a conversation with a clinician, not as a conclusion.

Every finding we surface includes a confidence indicator and a link to the source page in your records. We encourage you to review the source.

We continuously work to improve the accuracy of Moku's outputs, but we do not warrant that they are free from errors or omissions. See Sections 15 and 16 for the warranty and liability terms.

13. Restrictions on the Service

These Terms govern your use of Moku as a consumer. To preserve Moku's character as a consumer educational tool — and the legal posture described in our Privacy Policy, Section 2 — the consumer Service is not designed for, and under these Terms we do not provide:

Insurance billing or claims submission. Moku does not submit claims to insurance, bill healthcare providers on your behalf, or transmit health information for payment or eligibility purposes.
Provider workflows. The consumer Service is not offered to clinicians, clinics, hospitals, or health systems as a tool to manage their patients' care, document encounters, or generate clinical decisions. The one exception is the optional, patient-authorized share: if you joined through a participating healthcare organization (such as a clinic, medical group, or health system) and signed the separate Healthcare Organization Data-Sharing Authorization, that organization and its provider may view your organized information read-only as an educational reference — never as a charting, care-management, or clinical-decision tool.
Provider-directed data access. We do not accept provider-initiated record transfers or provider-directed integrations (such as a healthcare provider launching Moku to push records to you via SMART on FHIR). Where Moku retrieves records from electronic health record systems on your behalf, that access is initiated by you and at your direction. (The optional healthcare-organization share described above is not an exception to this: that organization's read-only access is downstream of your own enrollment and your separate authorization — it is not a provider-initiated transfer or integration.)
Automated data feeds from covered entities. We do not accept automated transfers of patient data from healthcare providers, health plans, or clearinghouses under these consumer Terms.

Separate terms for organizations. If your employer, health plan, healthcare provider, or another organization wishes to make Moku available to its members or patients — for example, as part of a benefits program, care-management workflow, or clinical deployment — that engagement is governed by a separate written agreement between us and that organization, which includes a Business Associate Agreement where required by law. Such engagements are not governed by these consumer Terms or by the consumer Privacy Policy, and under them Moku may act as a business associate of the organization. If you are an organization interested in working with us, contact us at the address in Section 22. For clarity, a healthcare organization simply sharing its enrollment link does not by itself place those patients under these separate organizational terms: an individual who joins through such a link remains a consumer governed by these Terms and the Privacy Policy, plus the optional Healthcare Organization Data-Sharing Authorization. The separate organizational agreement governs the organization's own relationship with Moku.

14. Suspension and Termination

You may stop using Moku and delete your account at any time through the app's settings or by contacting us. When you delete your account, we delete active-system copies of your data within a reasonable period, subject to the retention and backup periods described in our Privacy Policy.

We may suspend or terminate your access to the Service at any time, with or without notice, if:

We reasonably believe you have violated these Terms
We reasonably believe your use of the Service threatens the security, integrity, or availability of the Service or other users' data
We are required to do so by law, court order, or government request
We discontinue the Service in whole or in part

Sections 3, 9, 10, 11, 15, 16, 17, 18, and 19 survive termination.

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. WE DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT THE OUTPUTS GENERATED BY THE SERVICE WILL BE ACCURATE, COMPLETE, OR RELIABLE. AS SET OUT IN SECTION 3, THE SERVICE IS NOT MEDICAL ADVICE.

Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, the foregoing exclusions apply only to the extent permitted by law.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MOKU AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, REVENUE, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED U.S. DOLLARS (US $100).

Some jurisdictions do not allow the limitation or exclusion of certain damages; in those jurisdictions, our liability is limited to the maximum extent permitted by applicable law. Nothing in these Terms limits or excludes liability for fraud, fraudulent misrepresentation, gross negligence, willful misconduct, or any other liability that cannot lawfully be limited or excluded.

17. Indemnification

You agree to indemnify, defend, and hold harmless Moku and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of another person, including bringing in records you did not have authority or consent to access under Section 6; or (d) any decision you or any third party makes based on the content of the Service.

18. Governing Law and Dispute Resolution

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

Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state and federal courts located in San Francisco County, California, and you and we consent to the personal jurisdiction of those courts.

Nothing in this Section deprives you of the protection of any mandatory consumer-protection rule of the jurisdiction where you reside. In particular, this Section does not prevent you from bringing an eligible claim in small-claims court, and it does not override any non-waivable right you have under your home state's consumer-protection law (including the private rights of action described in Section 11 of our Privacy Policy) to bring proceedings in your local courts.

19. Changes to These Terms

We may update these Terms. When we make a material change, we will:

Bump the Document version at the top of this page and update the Last updated date
Notify you in the app or by email before the change takes effect, where the change is material to your rights or obligations
Keep a record of prior versions and material changes in our version history

Your continued use of the Service after a change takes effect constitutes your acceptance of the revised Terms. If you do not agree with a change, you may close your account before it takes effect.

20. Miscellaneous

Entire agreement. These Terms, together with the Privacy Policy and the consent you provide when creating a profile, are the entire agreement between you and Moku regarding the Service and supersede any prior agreements between us on that subject.
Severability. If any provision of these Terms is held to be unenforceable, the remaining provisions remain in full force and effect.
No waiver. Our failure to enforce a provision of these Terms is not a waiver of our right to enforce that provision in the future.
Assignment. You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. We may assign these Terms to any successor in interest in connection with a merger, acquisition, or sale of assets.
Notice. We may give you notice by email to the address associated with your account, by in-app notification, or by posting to the Service. You may give us notice at the contact address in Section 22.

21. Version History

v1.2 — 2026-06-18 — Adds Payments, Purchases, and Refunds (Section 9): the paid products (Records Review, Monitoring subscription, credits and add-ons), how payment is processed on each platform (Stripe on web, Apple In-App Purchase on iOS), the 48-hour money-back guarantee on the Records Review and credits, how App Store refunds and our separate-channel backstop work, fair use, taxes, and chargebacks. Renumbers the former Sections 9–21 to Sections 10–22. Adds a narrow exception to Section 13 for the optional, patient-authorized, read-only share with a participating healthcare organization you join through — governed by the separate Healthcare Organization Data-Sharing Authorization — and clarifies that joining through an organization's enrollment link leaves you a consumer under these Terms.
v1.1 — 2026-06-05 — Adds the connected-health-system route for bringing in records (Section 6, "Connecting a health system"): vendor-operated retrieval at your direction, acceptance of the vendor's own terms, account-authority rules, and availability disclaimers. Generalizes upload-specific language to cover both ways records reach Moku.
v1.0 — 2026-05-27 — Initial general-availability Terms of Service. Supersedes the prior waitlist-era Terms of Service and the v1.0-alpha Data Use, Privacy & Product Safety Acknowledgement.

22. Contact Us

For questions about these Terms, or to submit any notice required under them, contact us at:

Moku (Arbor Ray, Inc.) Email: info@mokuhealth.ai