Effective Date: November 6, 2025

Last Updated: November 6, 2025

Welcome to mora, a mobile application operated by Hilo LLC (“Hilo”, “we,” “us,” or “our”), based in Cincinnati, Ohio, USA. These Terms of Service (“Terms”) govern your access to and use of mora, including all associated features, content, and services (collectively, the “Service”). By accessing or using mora, you agree to be bound by these Terms. If you do not agree, you must not use the Service.

1. Eligibility

You must be at least 13 years old to use mora. By using the Service, you represent and warrant that you meet this requirement and are legally capable of entering into a binding contract.

2. Description of the Service

mora allows users to create a digital twin and simulate potential life decisions and outcomes using artificial intelligence.

These results are fictional simulations and are provided for entertainment, educational, and reflective purposes only.

You acknowledge and agree that:

• mora does not provide professional, medical, financial, legal, psychological, or life advice.
• Any “results,” “simulations,” “analyses,” or “predictions” generated by mora are non-factual and should not be relied upon for making real-world decisions.
• All outputs are computer-generated approximations and may contain inaccuracies or errors.

3. No Advice Disclaimer

All information, text, simulations, or analyses generated by mora are for informational and entertainment purposes only.

You understand and agree that:

• mora is not a substitute for professional judgment or consultation.
• Hilo LLC, its affiliates, employees, and partners do not assume responsibility for actions taken or not taken based on any simulation or result provided by the app.