Terms and Conditions

These Terms of Service ("Terms"), together with our Privacy Policy, govern your access to and use of Mellions (the "Services") provided by Leta Tech Ltd. ("Mellions," "we," "us"). By clicking "I Agree," registering, or using the Services, you confirm that you have read, understood, and unconditionally accept these Terms. If you do not agree, do not use the Services.

A French version of these Terms is available first; by using these English Terms, you confirm you've had the opportunity to read the French version and expressly agree to be bound by English.

You must be at least the age of majority in your province of residence and legally capable of entering contracts. Mellions does not knowingly accept users under the age of majority. If we reasonably believe you are underage, we may request proof of age or suspend your Account.

You must reside in Canada. Mellions is intended solely for Canadian residents; if you move outside Canada, you must stop using the Services.

To register, you must provide accurate, current, and complete information. We may verify your identity and residency using third-party ID services or document checks. If you fail verification, we may suspend or terminate your Account.

You are responsible for safeguarding your Account credentials. We require multi-factor authentication (MFA) for sensitive actions. Notify us immediately of any suspected unauthorized access.

We may suspend or terminate your Account without notice if you violate these Terms, provide false information, or misuse the Services (see Section 7). Upon termination, your access ends and your data will be handled per our Privacy Policy.

The "Services" include, without limitation, all functionality that enables you to link and view your financial accounts, automatically categorize transactions, create and track budgets and savings goals, receive AI-driven insights and real-time alerts, and interact with our platform via web or mobile applications.

The Services are informational only; Mellions is not a financial planner, broker, or tax advisor. We do not provide personalized investment or legal advice, and no fiduciary relationship is created by your use of the Services. Always consult a qualified professional before making any financial decisions.

Mellions may connect to third-party financial institutions via a Third-Party Aggregator (e.g., Plaid). You authorize these connections and may disconnect at any time in your Account settings. Mellions is not responsible for the accuracy or availability of data from external providers.

We aim for 99.5% availability, excluding scheduled maintenance. However, the Services are provided "as is" and may be affected by events beyond our control (e.g., outages, natural disasters, third-party failures).

We may update or replace APIs and AI models. We will announce major version changes at least 30 days in advance and provide migration tools where feasible.

Your use of the Services is governed by our Privacy Policy, which describes what information we collect, why, and how you can exercise your privacy rights (access, correction, deletion, portability). By accepting these Terms, you consent to our data practices as set out in the Privacy Policy.

We collect personal and financial data you provide or authorize us to retrieve via Third-Party Aggregators. We use it to provide and improve the Services, comply with legal obligations, and for aggregated analytics. We retain your data only as long as necessary for these purposes, after which we delete or anonymize it, in compliance with PIPEDA and Québec's Law 25.

You have the right to:

Your data may be stored or processed in Canada or other jurisdictions by our service providers. We ensure these transfers meet the requirements of applicable privacy laws and maintain equivalent protections.

If we become aware of a security breach involving your personal data that poses a real risk of significant harm, we will notify you and the relevant privacy authorities in accordance with PIPEDA and Québec's Law 25.

We use cookies and similar technologies to operate and improve the Services. Our banner divides cookies into:

For details on each cookie type, duration, and how to opt out, see our Cookie Policy: Cookie Policy

We will only send you Commercial Electronic Messages (e.g., emails, SMS) if you expressly opt-in by checking an unchecked box. We do not bundle this with other consents.

Every message will clearly identify Mellions and include a functional unsubscribe link. You may withdraw your consent at any time, at no cost. We will retain proof of your consent for at least three years in compliance with CASL.

All AI-generated content (insights, suggestions, recommendations) is provided strictly for informational purposes. They do not constitute financial, legal, tax, or other professional advice, and do not create any fiduciary relationship between you and Mellions. Outcomes are not guaranteed and may vary based on the quality and availability of the underlying data. You remain fully responsible for any decision you make based on this information.

AI models may be imperfect or biased. You should not rely solely on AI outputs. Always verify recommendations against your own data and, if needed, seek independent advice.

You have the right to:

No use for commercial resale, unauthorized research, or any criminal activity (fraud, hate speech, defamation).

You may not:

You are solely responsible for the truthfulness and completeness of any data or documents you upload or connect.

If you link external services (e.g., Plaid), you must also comply with their terms of service. We are not liable for your breach of any third-party agreement.

All rights, title, and interest in the Service and its content (software, text, graphics, models, algorithms) remain with Mellions or its licensors.

Subject to your compliance with these Terms, we grant you a non-exclusive, revocable, non-transferable license to access and use the Services for personal, non-commercial purposes during your Account term.

During the Beta, any suggestions, ideas, or materials you submit (collectively, "Feedback") become the property of Mellions. You hereby assign all rights in Feedback to Mellions, and we may use it without compensation.

You may not copy, modify, distribute, reverse engineer, or create derivative works from the Service. Upon termination or suspension of your Account, your license ends immediately, and you must cease all use.

Mellions is currently in Beta. All features are free during Beta. Following commercial launch, certain features may require a paid subscription. Any Beta-only free access does not guarantee future pricing.

When offered, paid subscriptions will be priced in Canadian Dollars (CAD), plus applicable sales taxes (e.g., GST/HST/QST). All fees will be clearly displayed before you confirm purchase.

Paid subscriptions (post-Beta) renew automatically at the end of each billing period.

We use PCI DSS—compliant processors to handle credit/debit card payments. We do not store your full payment card details.

If a payment fails, we will retry up to 3 times over 7 days. If still unpaid, we will notify you and may suspend access to paid features until payment is made.

The Services are provided "as is" and "as available," without any express or implied warranties, except those non-waivable under applicable law.

Nothing in these Terms limits or excludes

During the Beta period, you acknowledge that features may be unstable or subject to change. We expressly disclaim all Beta-specific warranties to the fullest extent permitted by law.

Neither party is liable for delays or failures due to events beyond reasonable control (natural disasters, cyberattacks, government actions). The affected party shall promptly notify the other and take reasonable steps to mitigate.

To the fullest extent permitted by law, Mellions's total liability for direct damages is limited to the greater of:

We shall not be liable for any indirect, special, incidental, consequential, punitive, or exemplary damages (lost profits, data, goodwill), even if advised of their possibility.

This limitation does not apply to liability arising from Mellions's gross negligence or willful misconduct.

All limits and exclusions are "to the extent permitted by applicable law." Consumer rights under the Québec CPAQ, Ontario CPA, BC CPA, and similar statutes are fully reserved.

You agree to indemnify and hold harmless Mellions and its affiliates, officers, and agents from any third-party claims, liabilities, losses, damages, or expenses (including reasonable legal fees) arising out of:

You shall not be required to indemnify Mellions for claims arising from Mellions's own negligence, gross negligence, or willful misconduct.

You may close your Account at any time via your settings. Upon closure:

We may suspend or terminate your Account for cause (e.g., breach of Terms, unlawful use). During Beta, we may also end Beta access with a 30 days' notice.

Sections 6 (Cookies), 7 (Marketing), 10 (IP), 12 (Disclaimers), 13 (Liability), 14 (Indemnification), and this Section 15 survive termination or expiration.

Before any formal dispute, please contact us at [email protected]. We will attempt to resolve it in good faith.

If unresolved in 30 days, either party may request non-binding mediation with a mutually agreed mediator.

Québec users retain the right to bring claims in Québec courts. Any arbitration or forum-selection clause does not apply unless the Québec user, after independent legal advice, expressly consents in writing.

These Terms are governed by the laws of the Province of Québec, and the federal laws of Canada.

All disputes will be heard exclusively in the courts of Montréal, Québec, except:

We strive to meet WCAG 2.1 Level AA, the Ontario Accessibility for Ontarians with Disabilities Act (AODA), the Accessible Canada Act (ACA), and applicable Québec accessibility laws.

If you require content in an alternate format or assistance with access, please contact us at [email protected]. We aim to respond within 5 business days and implement fixes within 30 days, where feasible.

For Québec users, the French version of these Terms is the primary, legal text. An English version is available only upon your express request and may not be more prominent than French.

All communications (e.g., websites, app UI, Legal, Policies) will default to French for Québec users. English may be selected via a language toggle but remains secondary in prominence.

If you download via Apple App Store, Apple Inc. is a third-party beneficiary of these Terms and may enforce Section 19.2 against you.

You represent and warrant that you are not located in a country subject to Canadian or U.S. embargo and are not a prohibited party under Canadian or U.S. law.

Your use of the App is subject to the rules of the relevant app store (Apple or Google). We are not responsible for any breach of those rules by you.

We will provide at least 30 days' notice of any material changes (scope, pricing, rights/obligations) by email and in-app banner. Québec users may cancel without penalty before the changes take effect.

Typographical corrections and clarifications will be effective upon posting. We will update the "Last Updated" date.

Your continued use after the effective date constitutes acceptance. For material changes, you may be required to click "I Accept" on the next sign-in.

These Terms, together with the Privacy Policy, and Cookie Policy, constitute the entire agreement between you and Mellions regarding the Services and supersede all prior or contemporaneous agreements, proposals or representations, whether written or oral, including any beta or pilot program agreements.

If any provision of these Terms is held to be invalid, illegal or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect.

Our failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of that right or provision. A waiver is only effective if in writing and signed by an authorized representative of Mellions.

Mellions is currently offered as a beta version. By participating in the beta program, you acknowledge that the Services may contain defects, incomplete features, or other issues.

You must opt in expressly to use beta features by checking the "Beta Features" box in your Account settings. We may invite you to provide feedback; any suggestions become the exclusive property of LetA Technologies.

Beta features are provided "as is" and "as available" without any warranty or guarantee of performance, accuracy, or reliability. We disclaim all implied warranties, including merchantability or fitness for a particular purpose, to the fullest extent permitted by law.

We may modify, suspend or discontinue any beta features at any time, with or without notice, in our sole discretion. We shall have no liability for any changes, suspensions or discontinuation.

Use of beta features may result in data loss or errors. You are responsible for backing up any data you deem important. Mellions disclaims liability for any unintended data loss arising from beta feature usage.