ToS
Terms and Conditions
Please read these Terms and Conditions ("Terms") carefully. They are a legal agreement between you and Mintelo and govern your use of our website, applications and services (the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.
We have written these Terms in plain language on purpose. Some clauses limit our liability or set out important risks — these are highlighted, and you should read them carefully before you accept.
Where we are today: The full Mintelo platform is being built. At present, our website lets you join our waitlist or register your interest. The clauses below that describe accounts, paid plans, financial-data features and similar functionality apply once those features are available to you; until then, the parts that apply are those dealing with use of our website, your waitlist details, intellectual property, and the general provisions. We have set out the full Terms now so you can see in advance the basis on which the Service will be provided.
1. Who we are
The Service is provided by the Mintelo group:
Key Mountain Trading (Pty) Ltd, a company registered in South Africa (registration number K2020872299, registered address 17 Etosha Street, Somerset West, 7130, South Africa) — the company that provides the Service and that you contract with (your "service provider").
Mintelo Holdings Ltd, a company registered in the United Kingdom (company number 17216929, registered address 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom) — the holding company, which owns the Mintelo intellectual property and trademark and which may administer billing and payments on behalf of the operating company.
In these Terms, "Mintelo," "we," "us" and "our" mean the Mintelo group. Your contract for the Service is with Key Mountain Trading (Pty) Ltd, except that billing and payment may be collected or administered by Mintelo Holdings Ltd where international payment processing requires it. This does not change who is responsible for providing the Service to you.
Contact: privacy@mintelo.io · mintelo.io/contact
2. What Mintelo is — and what it is not
Mintelo is a personal wealth and financial-tracking platform. It gives you tools to record, import, organise, track, forecast and analyse your own financial information — including budgeting, forecasting, financial statements, net worth, investment tracking and analysis, and property profit-and-loss.
In these Terms, the "Service" includes our website, any free online calculators or interactive tools we make available (for example return, net-worth or balance-sheet calculators), and the Mintelo application and its features — whether or not you have an account or are signed in. The clauses below, including the disclaimer immediately following, apply to your use of the free calculators and the rest of the website just as they apply to the application.
Important — Mintelo provides tools and information only, not advice
Mintelo is an information, aggregation, tracking and calculation tool. It does NOT provide financial, investment, tax, legal or accounting advice, and nothing in the Service — including the output of any calculator or tool — is a recommendation, opinion or guidance to buy, sell, hold, switch or vary any financial product, investment or strategy.
The Service, including any calculator or tool, has no regard to your individual objectives, financial situation or needs. Any figures, forecasts, projections, calculator results or reports are factual calculations based on the information you provide, are illustrative only, and are not a forecast or guarantee of any actual outcome.
We are not a licensed financial services provider, financial adviser, investment adviser, tax adviser or accountant, and using the Service does not create any advisory relationship between us.
You are solely responsible for your own financial decisions. You should obtain independent, licensed professional advice before making any financial, investment or tax decision.
You are responsible for the accuracy of the information you enter — into the application or into any calculator — and for checking any output before relying on it. How we handle errors and accuracy, and the limits of our responsibility for them, are set out in Section 13.
This clause is fundamental to how the Service is offered, and it applies to everyone who uses our website or calculators, whether or not they sign up. If you are looking for personal financial advice, Mintelo is not the right tool for you.
3. Eligibility
You must be at least 18 years old and able to enter into a binding contract to use the Service. By using the Service, you confirm that you meet these requirements. The Service is intended for your own personal use, or for use by a legal entity you are authorised to represent.
Business, white-label and partner use. These Terms govern individual and personal use of the Service. If you access the Service under a business, professional, white-label, reseller, adviser or partner arrangement (for example, where a financial adviser or accountant uses Mintelo to serve their own clients), that use is governed by a separate written agreement between you and us, and not by these Terms. If there is any conflict, that separate agreement applies to that use.
4. Your account, and using the site without one
Using the website and calculators without an account. You can browse our website and use our free calculators without creating an account. When you do, these Terms (including the disclaimer in Section 2 and the liability provisions in Sections 11–13) still apply to you. If a calculator lets you enter financial figures or asks for your email address to send you the results, your use of that feature is governed by these Terms, and the information you provide is handled in accordance with our Privacy Policy.
Your account. To use most of the application's features you need an account. You agree to:
provide accurate and complete information and keep it up to date;
keep your login details confidential and not share your account;
be responsible for everything that happens under your account; and
tell us promptly if you suspect any unauthorised use of your account.
We may refuse, suspend or close accounts that contain false information or are used in breach of these Terms.
5. Plans, fees and payment
Current plans. The features, plans and prices that apply to you are those shown to you at the time you sign up or upgrade, on our pricing page, or otherwise notified to you in the Service. We may offer the Service free of charge, on a free trial, on a paid subscription, or on a combination of these, and we may change our plans and features over time.
Free trials. We may offer a free trial of a paid plan. The length of the trial, and whether a payment method is required to start it, will be shown to you when you sign up. Unless you cancel before the trial ends, your trial will automatically convert into a paid subscription and the applicable fee will be charged to your payment method. We will make the trial length and the date it converts clear to you, and you can cancel at any time before then to avoid being charged.
Changes to fees. If we change the fees for a plan you are on, we will give you reasonable advance notice, and any change will take effect from your next billing period. If you do not accept a change, you may cancel before it takes effect. Where we offer introductory or founding-member pricing for a limited period, the price that applies after that period will be made clear to you when you sign up.
Billing and payments. Paid plans are billed in advance on a recurring basis (for example monthly) unless stated otherwise, and renew automatically until cancelled. Payments are processed by a third-party payment provider and may be collected by, or administered through, the relevant Mintelo group company (see Section 1). You authorise us (and our payment provider) to charge your chosen payment method for the applicable fees, including on automatic renewal.
Taxes. Fees are stated inclusive or exclusive of taxes as shown at sign-up. You are responsible for any taxes that apply to your purchase, other than taxes on our income.
Cancellation. You may cancel your subscription at any time, effective at the end of your current billing period, after which it will not renew. You keep access until the end of the period you have paid for.
Refunds. Except for any free-trial period and any rights you have under consumer law that cannot be excluded (see Section 12), fees already paid are non-refundable. We do not offer a separate cooling-off or money-back period beyond the free trial and your non-excludable statutory rights.
6. Acceptable use
You agree not to:
use the Service for any unlawful, fraudulent or harmful purpose;
attempt to gain unauthorised access to the Service, other users' accounts, or our systems;
interfere with or disrupt the Service, or introduce malicious code;
copy, modify, reverse-engineer, scrape, or create derivative works from the Service (including our website content and calculators) except as allowed by law, or use automated means to extract or republish them;
resell, rent or commercially exploit the Service without our written permission; or
enter information you are not entitled to use, or that infringes anyone's rights.
We may suspend or limit your access if we reasonably believe you have breached this section.
7. Your content and data
You own your data. You keep all rights in the financial and other information you enter into the Service ("Your Content"). We do not claim ownership of it.
Licence to operate the Service. You grant us a limited licence to host, store, process and display Your Content solely to provide and improve the Service for you, and as described in our Privacy Policy.
Your responsibility. You are responsible for Your Content and for keeping your own backups of anything important to you.
Aggregated and de-identified data. We may create and use aggregated or de-identified information that does not identify you, to operate and improve the Service.
How we handle your personal information is governed by our Privacy Policy, which forms part of these Terms.
8. Our intellectual property
The Service, including its software, design, branding, "Mintelo" name and logo, and all related intellectual property, is owned by or licensed to the Mintelo group (with the Mintelo intellectual property and trade marks, whether registered or unregistered and including applications for registration, held by Mintelo Holdings Ltd). We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the Service in accordance with these Terms. We reserve all rights not expressly granted to you. You must not use our name, logo or trade marks without our prior written consent.
9. Third-party services and connections
The Service may let you connect to, or contain links to, third-party services (for example bank feeds, data providers or payment processors). We do not control those third parties and are not responsible for them. Your use of a third-party service is governed by that third party's own terms and privacy policy, and any information you exchange with them is at your own risk. We do not guarantee the accuracy, availability or continued operation of any third-party connection.
10. Availability and changes to the Service
We work hard to keep the Service available and reliable, but we do not guarantee it will be uninterrupted or error-free. We may update, change, suspend or discontinue all or part of the Service, including features, at any time. Where a change is significant and within our reasonable control, we will give you reasonable notice where we can. If we permanently discontinue the Service, we will give you a reasonable opportunity to export Your Content.
11. Service provided "as is" (subject to your legal rights)
Except for the rights and guarantees you have under applicable law that cannot be excluded (see Section 12), the Service is provided "as is" and "as available," and we do not make any promises about it beyond those set out in these Terms. To the extent permitted by law, we do not guarantee that the Service will meet your requirements, be compatible with your devices, operate without interruption, or be free of errors, and we are not responsible for decisions you make based on the Service.
12. Your statutory rights always apply
Nothing in these Terms excludes, restricts or modifies any guarantee, warranty, right or remedy you have under any law that applies to you and that cannot lawfully be excluded — including, where they apply, the South African Consumer Protection Act, 2008, the UK Consumer Rights Act 2015, the Australian Consumer Law, and the New Zealand Consumer Guarantees Act 1993.
If any part of these Terms (including the "as is" disclaimer in Section 11 or the liability limits in Section 13) would be unlawful or unenforceable against you as a consumer in your country, that part applies only to the extent the law allows, and the rest of these Terms continues to apply. Where the law gives you a remedy that we cannot exclude, that remedy is available to you regardless of anything else in these Terms.
13. Our liability
Please read this section carefully, together with Section 12 (which always takes priority where the law protects you).
Calculations, accuracy and your data:
Mintelo performs calculations and produces figures, reports and projections based on the information available to it — including the information you enter or import. To the maximum extent the law allows:
The outputs are illustrative and informational only. They depend on the accuracy and completeness of the information provided, and on assumptions and methods that may not fit your particular circumstances.
You are responsible for checking your own data and the outputs before relying on them. We encourage you to review your figures regularly and to tell us promptly if you think something looks wrong, by contacting us at privacy@mintelo.io — this helps us investigate and correct it.
We are not liable for any loss arising from a decision you make in reliance on the Service or any calculation, figure, report or projection it produces — including where an output is affected by an error or inaccuracy in the information provided, by an assumption or limitation of the method used, or by a defect or error in the Service — except to the extent that loss is caused by our own failure to take reasonable care and cannot lawfully be excluded.
This does not exclude or limit anything we are not permitted to exclude or limit by law (see the first bullet below and Section 12) — in particular liability for gross negligence, for fraud, for death or personal injury caused by our negligence, or under any non-excludable consumer guarantee. Where such liability arises, it remains subject to the overall cap below only to the extent the law permits.
We remain responsible for liability that the law does not allow us to exclude or limit — including liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for gross negligence, and for any other liability that cannot lawfully be limited.
What we are not liable for. To the maximum extent the law allows, we are not liable for any indirect, incidental, special or consequential loss, or for loss of profits, loss of data (beyond our obligation to take reasonable care), loss of opportunity, or any loss arising from your financial or investment decisions or from your reliance on outputs of the Service.
Overall cap. To the maximum extent the law allows, and subject to the points above, our total liability to you for all claims connected with the Service in any 12-month period is limited to the greater of (a) the total fees you paid us for the Service in that period, or (b) ZAR 2,000 (two thousand South African Rand) or its equivalent in your local currency. Where you have not paid us anything, our total liability is limited to ZAR 2,000.
Because Mintelo is an information and calculation tool and not a financial adviser (see Section 2), we are not responsible for the financial outcomes of decisions you make. Always seek independent professional advice.
14. Indemnity
To the extent permitted by law, you agree to cover us for reasonable losses, costs and claims that arise from your breach of these Terms or your misuse of the Service. This does not apply to the extent the loss is caused by us, and it does not limit any rights you have under consumer law.
15. Suspension and termination
By you. You may stop using the Service and close your account at any time.
By us. We may suspend or end your access if you materially breach these Terms, if we are required to by law, or if continuing to provide the Service to you would expose us to legal or security risk. Where it is reasonable and lawful to do so, we will give you notice and an opportunity to put things right first.
Effect. When your account ends, your right to use the Service stops. We will handle Your Content as described in our Privacy Policy, and you should export anything you want to keep beforehand. Sections that by their nature should survive (including Sections 2, 7, 8, 11–14, 16 and 17) continue to apply.
16. Governing law and disputes
Governing law. These Terms are governed by the laws of South Africa, without regard to its conflict-of-laws rules.
Your local rights. If you are a consumer, you may also benefit from any mandatory consumer-protection rules of the country where you live, and nothing in this section deprives you of the protection of those rules or of your right to bring proceedings in your local courts where the law gives you that right.
Resolving disputes. If you have a concern or dispute, please contact us first — most issues can be resolved quickly and informally. If we cannot resolve it, the dispute will be subject to the courts identified by the applicable law, subject to your local rights above.
17. General
Whole agreement. These Terms and our Privacy Policy are the entire agreement between you and us about the Service.
Changes to these Terms. We may update these Terms from time to time. If a change is material, we will make reasonable efforts to give you at least 30 days' notice (for example by email or a notice in the Service) before it takes effect. If you continue to use the Service after the change takes effect, you accept the updated Terms. If you do not agree, you should stop using the Service.
Severability. If any part of these Terms is found to be invalid or unenforceable, the rest continues to apply, and the invalid part will be read down or replaced to the smallest extent needed to make it valid while preserving its intent.
Waiver. If we do not enforce a right immediately, that does not mean we give it up.
Assignment. You may not transfer your rights under these Terms without our consent. We may transfer ours to another member of the Mintelo group or in connection with a business transfer, provided your rights are not reduced.
Language. If these Terms are translated, the English version prevails in the event of any conflict.
18. Contact us
Questions about these Terms? Contact us at privacy@mintelo.io or via mintelo.io/contact.