Agreement to Terms
By accessing and using Melo (available at TryMelo.io), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
Description of Service
Melo is an AI-powered expense tracking service that operates through WhatsApp. Our service allows you to:
- Record expenses by sending natural language messages
- Automatically categorize your financial transactions
- Generate spending summaries and reports
- Track both income and expenses
- Receive insights about your spending patterns
User Account and Eligibility
To use Melo, you must:
- Be at least 13 years of age (or the minimum age required in your jurisdiction)
- Have access to a valid WhatsApp account
- Provide accurate information when requested
- Be responsible for maintaining the security of your WhatsApp account
- Notify us immediately of any unauthorized use of your account
Acceptable Use
You agree to use Melo only for lawful purposes. You must not:
- Use the service for any illegal or unauthorized purpose
- Transmit viruses, malware, or other harmful code
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt the service or servers
- Use automated scripts or bots to access the service
- Share your account access with others
- Submit false, misleading, or fraudulent information
Privacy and Data
Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using Melo, you consent to:
- The collection and use of your data as described in our Privacy Policy
- Processing of your messages through AI services for expense categorization
- Storage of your financial data for service provision
AI Processing and Accuracy
Melo uses artificial intelligence to process and categorize your expenses. Please note:
- AI categorization may not always be 100% accurate
- You are responsible for reviewing and verifying all transactions
- We continuously improve our AI accuracy but cannot guarantee perfection
- You should maintain your own records for important financial decisions
Service Availability
We strive to maintain high service availability, but we do not guarantee uninterrupted service. The service may be temporarily unavailable due to:
- Maintenance and updates
- Technical difficulties
- Third-party service issues (WhatsApp, AI providers)
- Force majeure events
Intellectual Property
The Melo service, including its design, features, and content, is owned by us and protected by intellectual property laws. You may not:
- Copy, modify, or distribute our proprietary content
- Reverse engineer or attempt to extract source code
- Use our trademarks or branding without permission
- Create derivative works based on our service
User Content and Data
You retain ownership of the data you provide to Melo. However, by using our service, you grant us:
- A license to process your data to provide the service
- The right to use aggregated, anonymized data for service improvement
- Permission to store your data as necessary for service operation
Fees and Payment
Melo currently offers a free tier with basic functionality. If we introduce paid features:
- We will clearly communicate pricing and billing terms
- You will have the option to upgrade or continue with free features
- Subscription fees are non-refundable unless required by law
- We may change pricing with 30 days advance notice
WhatsApp Integration
Our service operates through WhatsApp Business API. You acknowledge that:
- WhatsApp's Terms of Service also apply to your use of our service
- We are not responsible for WhatsApp service availability or policies
- You must have a valid WhatsApp account to use Melo
- Meta/WhatsApp may impose their own usage limits or restrictions
Disclaimers and Limitations
Melo is provided "as is" without warranties of any kind. We disclaim:
- Any warranty of merchantability or fitness for a particular purpose
- Guarantees of accuracy in AI categorization
- Responsibility for financial decisions based on our reports
- Liability for data loss due to technical issues
Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for:
- Indirect, incidental, or consequential damages
- Loss of profits, data, or business opportunities
- Damages exceeding the amount paid for our service (if any)
- Issues arising from third-party services (WhatsApp, AI providers)
Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:
- Your use of the service in violation of these terms
- Your violation of any third-party rights
- Any content or data you provide through the service
Termination
We may terminate or suspend your access to Melo:
- For violation of these terms
- For extended inactivity
- If we discontinue the service
- For any reason with reasonable notice
You may stop using Melo at any time. Upon termination, your data will be handled according to our Privacy Policy.
Changes to Terms
We may modify these Terms of Service at any time. We will notify you of changes by:
- Posting updated terms on our website
- Sending notification through our WhatsApp service
- Email notification if we have your email address
Continued use of the service after changes constitutes acceptance of new terms.
Governing Law
These terms are governed by the laws of [Your Jurisdiction]. Any disputes will be resolved in the courts of [Your Jurisdiction].
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.