Terms of Service

1. About Mella

Mella is operated by [company name]. Mella is an online introduction service that helps people find and communicate with other people who are interested in investing. By creating an account you agree to these terms.

2. What Mella is — and isn't

• Mella does not provide financial, investment, legal or tax advice, and nothing on Mella is a recommendation to invest.
• Mella does not arrange, promote, endorse or take part in any investment, and is not a party to any agreement between members.
• Mella does not hold, transfer or manage money or assets for members.
• Compatibility scores are an automated indication of how closely two profiles' stated preferences align. They are not an assessment of a person's honesty, creditworthiness or of any investment.
• We do not verify the accuracy of what members say about themselves, their capital or their experience. A verified badge only means we have checked a member's identity document.

Investing involves risk and you could lose some or all of your money. You are solely responsible for your own decisions, due diligence and for obtaining independent professional advice.

3. Who can use Mella

You must be at least 18, able to enter a binding contract, and not previously removed from Mella. You must give accurate information, keep your login details secure, and have only one account.

4. Your conduct

You must not:

• impersonate anyone or misrepresent your identity, capital, experience or intentions;
• promote, advertise or solicit investment in specific schemes, products or securities, or make financial promotions;
• ask other members to send you money, pressure anyone to invest, or offer guaranteed returns;
• harass, threaten or abuse anyone, or share unlawful, misleading or offensive content;
• use Mella for spam, recruitment for multi-level marketing, or any commercial solicitation unrelated to finding an investment partner;
• scrape, reverse engineer or interfere with the service.

We may remove content, suspend or permanently close accounts that break these rules, at our discretion.

5. Dealing with other members

Your interactions and any arrangements with other members are solely between you and them. We are not responsible for the conduct of any member, on or off Mella. Please read our safety guidance and report concerns through the app.

6. Premium subscriptions

Premium is billed in advance and renews automatically at the end of each period until you cancel. You will keep Premium until the end of the period you have paid for. Prices may change with notice.

• On iPhone and iPad, Premium is bought through Apple's App Store and charged to your Apple ID. It renews unless you turn off auto-renew at least 24 hours before the end of the current period. Manage or cancel it in your device's Settings → your name → Subscriptions. Refunds for App Store purchases are handled by Apple under its terms.
• On Android and the web, Premium is billed through Stripe. Cancel any time from Settings → Subscription in the app.

Where the law gives you a right to cancel within 14 days, you agree that the service starts immediately and that any refund may be reduced for the time used.

7. Your content

You keep ownership of what you post, and give us a licence to host and display it to provide the service. You confirm you have the right to share it.

8. Liability

Mella is provided "as is". To the extent permitted by law we are not liable for any investment loss, any loss arising from dealings between members, or any indirect loss. Nothing in these terms limits liability that cannot legally be limited, such as for death or personal injury caused by negligence or for fraud.

9. Ending your account

You can delete your account at any time in Settings. We may suspend or close accounts that breach these terms or put other members at risk.

10. General

We may update these terms and will notify you of significant changes. These terms are governed by the laws of England and Wales and the courts of England and Wales have jurisdiction.