Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Mello Inc. ("Mello," "we," "our," or "us") governing your access to and use of the Mello accounting platform, available at melloaccounting.com, and any related applications, features, or services (collectively, the "Service").

By creating an account, accessing, or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Service.

If you are using the Service on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms, and "you" refers to both you individually and that entity.

Mello is a cloud-based accounting and bookkeeping platform designed for small business owners and entrepreneurs. The Service includes tools for transaction management, financial reporting, bank account synchronization, envelope budgeting, journal entries, reconciliation, and AI-assisted bookkeeping features.

Mello is a software tool only. The Service does not constitute accounting, tax, legal, or financial advice. You are solely responsible for the accuracy of the financial data you enter or import, the completeness of your books, and any decisions you make based on information generated by the Service. We strongly recommend consulting a qualified accountant, tax professional, or financial advisor for guidance specific to your situation.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

To use the Service, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

You must be at least 18 years of age to create an account and use the Service. By registering, you represent and warrant that you meet this age requirement.

You agree to notify us immediately at [email protected] of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to protect your account credentials.

You may not share your account with others, create multiple accounts for the same individual, or use another person's account without their express permission. Team access features, where available, must be used through the designated multi-user functionality within the Service.

Free Trial

New accounts are eligible for a 14-day free trial with access to all Pro-tier features. No credit card is required to start a trial. At the end of the trial period, you must subscribe to a paid plan to continue using the Service. Trial accounts that are not converted to paid subscriptions will have their access restricted.

Paid Plans

Mello offers three subscription tiers — Starter, Growth, and Pro — available on monthly or annual billing cycles. Current pricing is displayed on the Pricing page. Prices are subject to change with 30 days' advance notice to existing subscribers.

Billing & Payment

Subscriptions are billed in advance on a monthly or annual basis. All payments are processed securely through Stripe. By subscribing, you authorize Mello to charge your payment method on a recurring basis until you cancel. You are responsible for ensuring your payment information is current and accurate.

Cancellation & Refunds

You may cancel your subscription at any time from the Billing section of your Settings. Cancellation takes effect at the end of the current billing period; you will retain access to the Service until that date. We do not provide refunds for partial billing periods, except where required by applicable law. Annual subscriptions cancelled within 14 days of initial purchase may be eligible for a prorated refund at our discretion.

Taxes

Subscription fees are exclusive of applicable taxes. You are responsible for all taxes, levies, or duties imposed by taxing authorities in connection with your use of the Service.

The Service integrates with Plaid Technologies, Inc. ("Plaid") to enable bank account connectivity. By connecting your financial accounts through Plaid, you agree to Plaid's End User Privacy Policy and authorize Mello to receive your financial data from Plaid on your behalf.

You represent and warrant that you have the legal right to access and share the financial account data you connect to the Service. You must not connect accounts belonging to others without their explicit authorization.

You acknowledge that bank connectivity is subject to the availability and cooperation of your financial institution and Plaid's infrastructure. Mello does not guarantee uninterrupted access to connected accounts and is not responsible for errors, delays, or inaccuracies in data provided by Plaid or your financial institution.

Financial data imported into Mello is used solely to provide the Service to you. We do not sell, license, or share your financial data with third parties for advertising or marketing purposes.

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

• Use the Service to engage in any fraudulent, deceptive, or illegal activity, including money laundering, tax evasion, or financial fraud.
• Attempt to gain unauthorized access to any part of the Service, other users' accounts, or Mello's systems or networks.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service.
• Introduce malware, viruses, or other harmful code into the Service.
• Use automated tools (bots, scrapers, crawlers) to access or extract data from the Service without our express written permission.
• Resell, sublicense, or otherwise commercialize access to the Service without our prior written consent.
• Use the Service in any way that could damage, disable, overburden, or impair the Service or interfere with other users' access.
• Violate any applicable local, state, national, or international law or regulation.

We reserve the right to suspend or terminate your account immediately if we determine, in our sole discretion, that you have violated any of these restrictions.

The Service and its entire contents, features, and functionality — including but not limited to all software, text, graphics, logos, icons, images, and the compilation thereof — are owned by Mello Inc., its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Subject to your compliance with these Terms and payment of applicable fees, Mello grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes. This license does not include the right to copy, modify, distribute, sell, or lease any part of the Service.

The Mello name, logo, and all related product and service names, designs, and slogans are trademarks of Mello Inc.. You must not use such marks without our prior written permission.

"User Content" means all data, information, and files you upload, import, or create within the Service, including financial transactions, journal entries, documents, and account information. You retain all ownership rights in your User Content.

By using the Service, you grant Mello a limited, non-exclusive, worldwide license to store, process, and display your User Content solely as necessary to provide the Service to you. We do not claim ownership of your data and will not use it for purposes beyond operating and improving the Service as described in our Privacy Policy.

You are solely responsible for the accuracy, completeness, and legality of your User Content. You represent and warrant that your User Content does not violate any third-party rights or applicable laws.

You may export your User Content at any time using the data export features within the Service. Upon account termination, your data will be retained for 90 days to allow for recovery, after which it will be permanently deleted in accordance with our Privacy Policy.

The Service integrates with third-party services including Plaid (bank connectivity), Stripe (payment processing), and others. Your use of these third-party services is governed by their respective terms of service and privacy policies. Mello is not responsible for the practices, availability, or content of any third-party services.

The Service may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MELLO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

MELLO DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

MELLO DOES NOT PROVIDE ACCOUNTING, TAX, LEGAL, OR FINANCIAL ADVICE. ANY FINANCIAL REPORTS, CALCULATIONS, OR SUGGESTIONS GENERATED BY THE SERVICE ARE FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS A SUBSTITUTE FOR PROFESSIONAL ADVICE.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MELLO, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE.

IN NO EVENT SHALL MELLO'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO MELLO IN THE TWELVE MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

You agree to defend, indemnify, and hold harmless Mello Inc. and its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your use of the Service, your User Content, or your violation of any third-party rights or applicable laws.

You may terminate your account at any time by cancelling your subscription and deleting your account from the Settings page, or by contacting us at [email protected].

We may suspend or terminate your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Service shall first be addressed through good-faith negotiation. If the dispute cannot be resolved informally within 30 days, it shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in English and the arbitral award shall be final and binding.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights. You agree that any claims must be brought in your individual capacity and not as a plaintiff or class member in any purported class action.

We reserve the right to modify these Terms at any time. When we make material changes, we will notify you by email and by posting a prominent notice on the Service at least 30 days before the changes take effect. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms.

If you do not agree to the revised Terms, you must stop using the Service and cancel your subscription before the effective date of the changes.

If you have any questions about these Terms, please contact us: