Last amended November 17th, 2023
We are constantly trying to improve our Services, so these Terms may need to change along with the Services. We reserve the right to change the Terms at any time, but if we do, we will bring it to your attention by placing a notice on the mezzi.com website, by sending you an email, and/or by some other means.
If you decide you do not agree with these terms it is your responsibility to cease using the App and to cancel any ongoing subscriptions to it.
Mezzi is not registered with the U.S. Securities and Exchange Commission (or with the securities regulatory authority or body of any state or any other jurisdiction) as an investment adviser, broker-dealer or in any other capacity, and does not purport to provide investment advice or make investment recommendations by or through the Content found on the App or otherwise. The App and the Content are provided for the sole purpose of enabling you to conduct investment research and direct your own investment activities.
You agree and acknowledge that:
All Content accessed through this site is the Intellectual Property of Mezzi, or of the party that created and/or licensed the Content to Mezzi, and such Content is protected by copyright, trademark, trade dress and other intellectual property laws. No rights or title to any of the Intellectual Property contained on this site shall be considered transferred or assigned to you at any time. Subject to all applicable laws, you expressly agree that you will only use the Content for its limited purpose and will not copy, distribute, republish, modify, create derivative works of, or otherwise use the Content in any unauthorized way, without the prior written consent of Mezzi in each instance, except that you may share Content via the Mezzi sharing feature where applicable.
Any and all such Intellectual Property rights (including, but not limited to, copyrights, trade secrets, database rights, trademark rights, trade dress rights, rights to trade names, service marks and other product and service names and logos) associated with the Content are, and shall remain, the sole and exclusive property of Mezzi, its affiliates and/or their suppliers and licensors.
Any breach hereof by you may be enforced by Mezzi, its affiliates and/or their suppliers and licensors by means of equitable relief (including, but not limited to, injunctive relief) in addition to any other rights and remedies that may be available. Actual or attempted illegal or unauthorized use of the App, Marks or any Content are strictly prohibited and may result in criminal and/or civil prosecution.
You are responsible for maintaining the confidentiality of the username and password you designate during the registration process, and you are solely responsible for all activities that occur under your username and password. You agree to notify Mezzi immediately upon your becoming aware of any unauthorized use of your username and password or any other breach of security involving your account. You further agree to keep any registration information you provide Mezzi current, complete and accurate.
Mezzi bills you through your online account (your “Billing Account”) for subscribing to the App. You agree to pay Mezzi all charges at the prices you agreed to for subscribing to the App by using your Billing Account, and you authorize Mezzi to charge your chosen payment provider (your “Payment Method”) for subscribing to the App. You agree to make payment using that selected Payment Method. If you initiate a chargeback or otherwise reverse a payment made with your Payment Method, Mezzi may in its discretion terminate your account immediately.
Your subscription will continue indefinitely until canceled by you. After your initial subscription period, your subscription will automatically renew for an additional equivalent period, at the price you agreed to when subscribing; provided, however, Mezzi reserves the right to increase the subscription fee at any time upon 30 days’ notice to you. By subscribing, you authorize Mezzi to charge your Payment Method at the beginning of your initial subscription period and any subsequent subscription period. Your subscription will not begin until all charges have been processed. You also authorize Mezzi to charge you for any sales or similar taxes that may be imposed on your subscription payments. If you do not wish for your subscription to automatically renew or if you wish to cancel your subscription, you may cancel your subscription through the subscription management link under the Profile menu of the App, or by providing us with written notice at firstname.lastname@example.org, no less than 30 days in advance of any renewal subscription period.
You must provide current, complete and accurate information for your Billing Account. You must promptly update all information to keep your Billing Account current, complete and accurate (such as change in billing address, card number or expiration date), and you must promptly notify Mezzi if your Payment Method is canceled, or if you become aware of a potential breach of security (such as an unauthorized disclosure or use of your username or password).
You retain ownership of all Content that you submit, post, display, or otherwise make available on the App. All content you post on the App is public by default unless the App indicates that it is private information. Your own financial information, such as information from brokerage and bank accounts you connect to Mezzi, is always private by default.
If in the course of providing technical support or other maintenance of the App it becomes necessary for Mezzi to view your private information, such viewing will be restricted to the very specific technical purpose.
The Children's Online Privacy Protection Act ("COPPA") requires that online service providers obtain parental consent before they knowingly collect personally identifiable information online from children who are under 13. We do not knowingly collect or solicit personally identifiable information from children under 13; if you are a child under 13, please do not attempt to register for the Services or send any personal information about yourself to us. If we learn we have collected personal information from a child under 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us personal information, please contact us at email@example.com.
Mezzi may offer you Services such as recommendations or predictions that are generated by Artificial Intelligence models. These services will be clearly marked as such and are referred to as "AI Services").
Artificial intelligence and machine learning are rapidly evolving fields of study. Given the probabilistic nature of machine learning, use of AI Services may in some situations result in incorrect or inaccurate information.
As with all information provided by or obtained from our Services, the information provided by AI Services does not constitute or substitute for financial advice of any kind, nor any other type of advice from qualified professionals. Accordingly, you must verify the accuracy of any information that you receive through AI Services with a qualified professional before relying on any such information.
You acknowledge that relying upon any information generated through AI Services without first verifying the accuracy of such information with a qualified human could cause harm, including but not limited to legal, financial, and physical harm.
From time to time, Mezzi may offer you insights, calculations, estimates, or recommendations based on our information about your financial situation. However, Mezzi does not have a full picture of your financial life, nor does Mezzi understand the specifics of your tax jurisdiction. Therefore you are responsible for consulting with a tax professional before making any decisions that affect your taxes. In addition, you are responsible for determining the accurate amount you owe in taxes and remitting that amount to the applicable tax authorities. Mezzi does not and cannot know what you actually owe in taxes and cannot remit tax payments to the relevant authorities.
You agree to use the App in strict compliance with all applicable laws, rulings and regulations. Mezzi does not represent that the materials on the App, including the Content, are appropriate or available for use in any particular location. If you access the App including the Content therein, you are solely responsible for compliance with the laws of your local jurisdiction and any other applicable laws regarding the import, export, or re-export of the Content.
The App may contain links to websites and resources, through hypertext or other computer links, operated by third parties other than Mezzi (collectively, the “Linked Apps”). These Linked Apps are provided solely for your reference and convenience, and not as an endorsement by Mezzi of the content on such Linked Apps or the operator or operation of such Linked Apps. Mezzi makes no representations or warranties regarding the correctness, accuracy, performance or quality of any content found on any Linked App. Mezzi is not responsible for the availability of the Linked Apps or the content or activities of such Linked Apps. If you decide to access Linked Apps, you do so at your own risk. You agree that Mezzi shall have no liability to you or any other person or entity for the use of third party Linked Apps. In addition, your use of Linked Apps may be subject to any applicable policies and terms and conditions of use posted on such Linked Apps.
By using the Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Services. We may give notice by any means of communication reasonably anticipated to notify you of the information provided. You agree that all notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing or be delivered in a particular manner. You agree that you have the ability to store such electronic communications such that they remain accessible to you in an unchanged form. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the App or sending an email to you, if we have your email address. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notices), please write to us at firstname.lastname@example.org.
When you register with Mezzi, Mezzi will send you automatic and voluntary push notifications based on the notification preferences you have selected (“Notifications”). Some Notifications may be turned on by default. By using the Services, you agree to receive Notifications regarding your use of the Services. While Notifications are intended to enhance your use of the Services, you may disable Notifications on your device. Depending on which Notifications you elect to receive, Notifications may contain sensitive information.
If you wish to remove yourself from any email list, please email us at email@example.com with “UNSUBSCRIBE” in the subject line, or click the “unsubscribe” link in an email you have received from us.
Mezzi cannot control certain factors relating to message delivery. We may not be able to transmit a Notification to you in a timely and accurate manner. We have no liability for transmission delays or Notification failures, for any erroneous content in a Notification, or for any actions taken or not taken in reliance on a Notification.
MEZZI, ITS AFFILIATES AND THEIR THIRD PARTY PROVIDERS DISCLAIM ANY AND ALL WARRANTIES AND REPRESENTATIONS, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND FITNESS FOR A PARTICULAR PURPOSE. MEZZI, ITS AFFILIATES AND THEIR THIRD PARTY PROVIDERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE PERFORMANCE, ADEQUACY, ACCURACY, COMPLETENESS, SECURITY OR TIMELINESS OF THE SITE, THE CONTENT OR ANY COMPONENT THEREOF OR ANY COMMUNICATIONS, INCLUDING BUT NOT LIMITED TO ORAL OR WRITTEN COMMUNICATIONS (INCLUDING ELECTRONIC COMMUNICATIONS) OR OUTPUT WITH RESPECT THERETO OR THAT THE SITE OR CONTENT WILL BE FREE OF VIRUSES, WORMS OR “TROJAN HORSES”. FURTHER, THE CONTENT, MADE AVAILABLE ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND THERE MAY BE TIMES WHEN THIS SITE OR ITS CONTENTS ARE UNAVAILABLE. YOU ASSUME THE SOLE RISK OF USING AND/OR RELYING ON THE CONTENT MADE AVAILABLE ON THE SITE.
NEITHER MEZZI, NOR ITS AFFILIATES, NOR THEIR THIRD PARTY PROVIDERS SHALL BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS OR DELAYS IN THE SITE, INCLUDING THE CONTENT. MEZZI, ITS AFFILIATES AND THEIR THIRD PARTY PROVIDERS MAKE NO REPRESENTATIONS ABOUT THE RESULTS TO BE OBTAINED FROM USING THE SITE, INCLUDING INFORMATION, DATA, SOFTWARE, SERVICES, PRODUCTS, INFORMATION OR THE CONTENT CONTAINED THEREIN. THE SITE, THE CONTENT AND ALL COMPONENTS THEREOF ARE PROVIDED ON AN ‘AS-IS’ BASIS AND YOUR USE OF THE SITE AND THE CONTENT IS AT YOUR OWN RISK. MEZZI, ITS AFFILIATES AND THEIR THIRD PARTY PROVIDERS DO NOT ACT NOR SHALL BE DEEMED TO BE ACTING AS A FIDUCIARY IN PROVIDING THE SITE OR THE CONTENT. THE CONTENT SHOULD NOT BE RELIED ON AND IS NOT A SUBSTITUTE FOR THE SKILL, JUDGMENT AND YOUR EXPERIENCE OR THE EXPERIENCE OF YOUR ADVISORS AND/OR CLIENTS IN MAKING INVESTMENT AND OTHER BUSINESS DECISIONS.
Under California Civil Code Section 1789.3, Users located in California are entitled to the following notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 400 R Street, Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254 or (800) 952-5210.