1. Eligibility

1.1. You may use the Platform only if:

• you are at least 18 years old; and
• you have full legal capacity to enter into a binding agreement under applicable law.

1.2. By using the Platform, you represent and warrant that you meet all of the above requirements. If you do not, you must not use the Platform.

2. Nature of the Service

2.1. Mellon provides an online environment where Users can:

• create and publish activities or events;
• discover and request to join activities created by other Users; and
• exchange messages and information related to these activities.

2.2. Mellon:

• does not act as organiser, host, guide, agent, employer, or representative of any User or activity;
• does not supervise or control what Users say or do during activities or in their communications; and
• does not guarantee that any activity will take place, be safe, lawful, or suitable for you.

2.3. Any relationship, agreement or arrangement between Users (including, without limitation, meeting in person, attending an activity, or any form of collaboration) is solely between those Users. Mellon is not a party to such relationships or agreements.

3. Acceptance of Terms and Changes

3.1. By accessing or using the Platform, you confirm that you have read, understood, and agreed to be bound by these Terms.

3.2. We may update or modify these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page and may provide additional notice where required by law.

3.3. Changes take effect from the moment they are published on the Platform, unless otherwise stated. If you continue to use the Platform after the changes become effective, you are deemed to have accepted the updated Terms. If you do not agree, you must stop using the Platform and, if applicable, delete your account.

4. Account Registration and Security

4.1. To use certain features of the Platform, you may need to create a user account ("Account").

4.2. When creating an Account, you must:

• provide accurate, current and complete information; and
• keep this information up to date at all times.

4.3. You are solely responsible for:

• maintaining the confidentiality of your login credentials;
• all activities that occur under your Account, whether or not authorised by you.

4.4. You agree to immediately notify Mellon of any unauthorised use of your Account or any other security breach.

4.5. We are not liable for any loss or damage arising from your failure to comply with this section.

4A. Zero-Tolerance for Abusive, Harmful, and Objectionable Content

Reported content may be reviewed and removed by our moderation team, even before a formal decision, where there is an urgent safety concern.

Accounts violating these policies may be suspended or permanently removed from the platform without prior notice. Serious violations will be referred to law enforcement.

5. Use of the Platform

5.1. You may only use the Platform:

• for lawful purposes; and
• in accordance with these Terms and all applicable laws and regulations in Romania and in your country of residence.

5.2. You agree not to:

• a) use the Platform in any manner that could disable, damage, or impair it or interfere with any other user's use;
• b) use the Platform to harass, threaten, abuse, insult or otherwise harm any person;
• c) post or transmit any content that is illegal, defamatory, obscene, hateful, discriminatory, fraudulent, misleading, or otherwise objectionable;
• d) post or promote violence, illegal activities, self-harm, or content that may be considered dangerous or harmful;
• e) impersonate any person or entity or misrepresent your identity or affiliation;
• f) collect or store personal data about other Users without their express consent;
• g) use any automated system (including bots, crawlers, scrapers) to access the Platform without our prior written permission;
• h) attempt to gain unauthorised access to the Platform, other Accounts, or any related systems or networks;
• i) use the Platform for commercial, advertising or marketing purposes without our prior written consent;
• j) organise or promote activities that are illegal, unsafe, discriminatory, abusive, or otherwise inappropriate.

6. Activities, Meetings and User Interactions

6.1. User responsibility. All activities, events, meetups or gatherings ("Activities") created or joined through the Platform are entirely the responsibility of the Users who organise and attend them.

6.2. Mellon does not:

• verify the identity, background, criminal record, intentions or behaviour of Users;
• inspect or control locations, venues or conditions for Activities;
• supervise Activities or what Users say or do during them.

6.3. You understand and agree that:

• every interaction with other Users (online or offline) is at your own sole risk;
• you are solely responsible for your own safety, health, property and decisions;
• you should use common sense and caution when interacting with people you do not know, and when sharing personal information or meeting in person.

6.4. Mellon is not responsible for, and will not be held liable for:

• any behaviour, actions or omissions of Users;
• any disputes between Users;
• any incidents, injuries, damages, losses, thefts, accidents, or other consequences arising before, during or after any Activity;
• any cancellations, changes or failure of an Activity to take place.

6.5. If you choose to attend an Activity arranged through the Platform, you do so voluntarily and at your own risk. You are solely responsible for ensuring that the Activity and location are safe and appropriate for you.

7. Content and Intellectual Property

7.1. Mellon Content

7.1.1. All text, graphics, logos, designs, interfaces, software and other materials provided by Mellon on or through the Platform ("Mellon Content") are owned by or licensed to Mellon and are protected by applicable intellectual property laws.

7.1.2. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform and the Mellon Content for your personal, non-commercial use only.

7.1.3. You may not copy, distribute, modify, publicly display, perform, transmit, or create derivative works of any Mellon Content without our prior written consent.

7.2. User Content

7.2.1. "User Content" means any information, text, images, photos, descriptions of Activities, messages or other material that you upload, post, submit or otherwise make available through the Platform.

7.2.2. You remain the owner of your User Content, but by posting or uploading User Content on the Platform, you grant Mellon a worldwide, non-exclusive, royalty-free, sublicensable and transferable licence to use, store, reproduce, display, and distribute such content only for the purpose of operating and improving the Platform (for example, showing your profile photo and activity posts to other Users).

7.2.3. You represent and warrant that:

• you have all necessary rights to post the User Content; and
• the User Content does not infringe any third-party rights or any applicable laws.

7.2.4. You are solely responsible for your User Content and for any consequences of posting or sharing such content.

7.2.5. Mellon may (but is not obliged to) monitor, review, remove or restrict access to any User Content which it considers, in its sole discretion, to be contrary to these Terms or to applicable law.

8. Profile Photos and Images

8.1. When you create an Account, you may upload a profile photo and other images related to Activities.

8.2. You agree that:

• your profile photo and other images you upload may be displayed to other Users within the Platform;
• Mellon may use your profile photo and uploaded images inside the Platform and in direct product-related communications (such as in-app displays, notifications, or emails about Activities in which you participate).

8.3. Mellon will not use your profile photo or images for external marketing or advertising outside the Platform without your separate, explicit consent, except where required by law.

9. Suspension and Termination

9.1. Mellon may, at any time and at its sole discretion, without prior notice and without obligation to provide a justification, do any of the following:

• suspend or terminate your Account;
• restrict or block your access to the Platform;
• remove any User Content;
• take any other action it considers appropriate.

9.2. Reasons for such action may include (without limitation):

• complaints from other Users;
• suspected or actual violation of these Terms or applicable law;
• behaviour that is abusive, threatening, unsafe, discriminatory or otherwise inappropriate;
• attempts to misuse or disrupt the Platform.

9.3. You may stop using the Platform and/or delete your Account at any time through your Account settings (if available) or by contacting us via the email address indicated at the end of these Terms.

9.4. Termination will not affect any rights or obligations that have already accrued up to the date of termination.

10. No Fees – No Payments (at Launch)

10.1. At the current stage of Mellon.Life, the Platform does not process payments and does not charge Users any fees for access or use.

10.2. If, at any time in the future, Mellon introduces paid features, subscriptions or payment processing, we will update these Terms accordingly and provide you with relevant information and, where required by law, ask for your consent.

10.3. Any money, transfers or payments made directly between Users (for example, for shared costs of an Activity) are strictly outside the Platform and outside Mellon's control and responsibility.

11. Disclaimers

11.1. The Platform and all Mellon Content are provided on an "as is" and "as available" basis.

11.2. To the maximum extent permitted by applicable law, Mellon:

• does not guarantee that the Platform will be uninterrupted, secure, error-free, or free from viruses or other harmful components;
• does not make any promises about the accuracy, completeness or reliability of any content or information available on or through the Platform;
• does not make any guarantees regarding the behaviour, identity or conduct of any User.

11.3. No responsibility for activities or interactions. To the maximum extent permitted by law, Mellon is not responsible and assumes no liability for:

• any Activities created, hosted or attended by Users;
• any communications between Users;
• any incidents, injuries, damages, losses, disputes or other outcomes related to Activities or interactions between Users, whether online or offline.

11.4. You are solely responsible for assessing any risks associated with your use of the Platform, interactions with other Users and participation in Activities, and you agree to take all necessary precautions.

12. Limitation of Liability

12.1. To the maximum extent permitted by applicable law, Mellon and its founders, contributors, partners and collaborators shall not be liable for:

• any indirect, incidental, consequential, special, punitive or exemplary losses or damages;
• loss of profit, loss of data, loss of reputation, business interruption or similar;
• any loss or damage arising out of or in connection with:
  • use of or inability to use the Platform;
  • any conduct or content of any User or third party;
  • any Activities or meetings arranged through the Platform;
  • unauthorised access to or use of your Account or data.

12.2. To the extent that any liability cannot be excluded under applicable law, Mellon's total aggregate liability to you for any and all claims arising out of or in connection with the Platform or these Terms shall be limited to the amount of zero (0) RON, given that the Platform is currently provided free of charge.

12.3. Nothing in these Terms shall exclude or limit any liability which cannot be excluded or limited under mandatory law (for example, liability for death or personal injury caused by intentional misconduct or gross negligence where such exclusion is prohibited by law).

13. Indemnity

13.1. To the maximum extent permitted by law, you agree to indemnify and hold harmless Mellon and its founders, contributors, partners and collaborators from and against any claims, damages, liabilities, losses, costs and expenses (including reasonable legal fees) arising out of or related to:

• your use of the Platform;
• your User Content;
• your participation in or organisation of any Activity;
• your violation of these Terms or any applicable law;
• your interaction with any other User.

14. Third-Party Links and Services

14.1. The Platform may contain links to third-party websites or services that are not operated or controlled by Mellon.

14.2. Mellon is not responsible for the content, privacy policies or practices of any third-party websites or services and does not endorse them.

14.3. Accessing any third-party site or service is at your own risk and subject to the terms and policies of those third parties.

15. Data Protection and Privacy

15.1. The processing of your personal data in connection with your use of the Platform will be governed by our Privacy Policy, which is separate from these Terms.

15.2. By using the Platform, you acknowledge that you have read and understood the Privacy Policy that applies to you and consent (where required) to the processing of your personal data as described there.

16. Viruses and Security

16.1. We use reasonable efforts to keep the Platform secure and free from harmful code, but we cannot guarantee this.

16.2. You are responsible for configuring your devices, software and internet connection to access the Platform and for using your own virus protection software.

16.3. You must not knowingly introduce viruses, worms, trojans, or other malicious or technologically harmful materials to the Platform, or attempt to gain unauthorised access to the Platform, our servers or any related systems.

17. Governing Law and Jurisdiction

17.1. These Terms and any dispute or claim arising out of or in connection with them or with the Platform shall be governed by and construed in accordance with the laws of Romania, without regard to its conflict-of-law rules.

17.2. You agree that the courts of Romania, and specifically the competent courts in Bucharest, shall have exclusive jurisdiction over any dispute or claim arising out of or relating to these Terms or your use of the Platform, subject to any mandatory consumer protection rules that may give you the right to bring claims in your country of residence.

18. Miscellaneous

18.1. If any provision of these Terms is found to be invalid or unenforceable, that provision will be applied to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

18.2. Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

18.3. You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms without your consent, in connection with a reorganisation, change of control, or other similar event.

18.4. These Terms, together with any other documents expressly referred to in them (such as the Privacy Policy), constitute the entire agreement between you and Mellon in relation to the Platform and supersede any prior agreements or understandings.