Welcome to Milo.

These Terms of Use (the “Terms”) govern your access to and use of the Milo website, www.milo-finance.com (the “Site”), and any related software, applications, products, and services (collectively, the “Services”) provided by Milo Ventures Ltd (“Milo,” “we,” “us,” or “our”). Milo Ventures Ltd is a company incorporated in England and Wales with company number 15595372, and its registered office at No. 2, 19 Grosvenor Gardens, London, England, SW1W 0BD.

Please read these Terms carefully. By accessing or using our Site and Services, you (the “User” or “you”) accept and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Site or Services.

1. Acceptance and Eligibility

1.1 Legal Capacity

By using the Site or Services, you represent that you have the legal capacity to form a binding contract under the laws of England and Wales. If you are using the Site or Services on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms.

1.2 Business Use

Our Services are primarily intended for use by businesses and other organisations. By using our Site and Services, you acknowledge that you are doing so in a business capacity, rather than as a consumer.

2. Changes to these Terms

We may update these Terms from time to time to reflect changes in our business, applicable laws, or other legitimate reasons. When we make material updates, we will provide notice (e.g., by posting a prominent notice on our Site or sending an email). Your continued use of our Site and Services after the effective date of any changes constitutes your acceptance of the updated Terms.

3. Scope of Services

3.1 Description

Milo provides software and platform-based solutions for financial workflow management (e.g., invoice retrieval, contact synchronisation, reporting). Features may include integration with third-party platforms (e.g., Xero, Sage) and data analytics to streamline your financial operations.

3.2 No Regulated Financial Services

Milo does not act as a bank, lender, or financial institution and does not provide regulated financial or investment services. Any product information or data presented via the Services is for informational purposes only and is not intended as financial, legal, or tax advice.

3.3 Third-Party Integrations

Your use of third-party services (e.g., ERP or accounting software) is subject to separate terms you agree to with those providers. We are not responsible for the availability, functionality, or accuracy of third-party services and disclaim any liability arising from your use of such services.

4. User Accounts

4.1 Registration

To access certain features of the Services, you may be required to create an account and provide accurate and up-to-date information. You agree to keep your account credentials (including passwords) confidential and notify us promptly of any unauthorised access or security breaches.

4.2 Account Responsibility

You are responsible for all activities that occur under your account, including any content you upload or submit through the Services. Milo reserves the right to suspend or terminate user accounts at its discretion, particularly in the event of breach of these Terms or where account activity is fraudulent, unlawful, or poses security risks.

5. User Conduct and Acceptable Use

5.1 Prohibited Activities

When using our Site or Services, you agree not to:

• Violate any applicable laws, regulations, or third-party rights;

• Interfere with or disrupt the operation of our Services or servers;

• Upload or transmit any harmful code (e.g., viruses, malware);

• Attempt to gain unauthorised access to our systems or networks;

• Use the Services to store or process data in ways unrelated to the intended functionality (e.g., storing illicit materials);

• Resell, sublicense, or otherwise exploit the Services for any unauthorised commercial purpose.

5.2 Indemnity for Breach

You agree to defend, indemnify, and hold harmless Milo, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses (including legal fees) arising out of or in any way connected with your breach of this Section 5 or other obligations under these Terms.

6. Intellectual Property

6.1 Milo IP Rights

All rights, title, and interest in and to the Site, Services, software, logos, trademarks, graphics, and other intellectual property associated with Milo (collectively, the “Milo IP”) remain the exclusive property of Milo or our licensors. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Milo IP solely for your legitimate, authorised use of the Services.

6.2 User Content

Any content or data you submit, upload, or store via our Services (e.g., invoices, contact information) (“User Content”) remains your property. You grant Milo a non-exclusive, worldwide, royalty-free licence to access, process, and display such User Content only for the purpose of providing the Services or as otherwise set forth in our Privacy Policy.

6.3 Feedback

We welcome feedback and suggestions regarding our Services. By submitting feedback to us, you grant Milo a worldwide, perpetual, irrevocable, royalty-free licence to use and incorporate your feedback without obligation to you.

7. Confidentiality

Both parties acknowledge that, in connection with these Terms and the provision of the Services, they may receive or have access to certain confidential or proprietary information of the other party. Each party agrees to take reasonable steps to protect such confidential information from unauthorised use or disclosure and use it only for purposes consistent with these Terms and the delivery of the Services.

8. Data Protection and Privacy

We handle personal data in accordance with our Privacy Policy, which is incorporated by reference into these Terms. By using our Site or Services, you acknowledge that you have read and understood our Privacy Policy, including how we collect, use, disclose, and safeguard personal data.

9. Disclaimers

9.1 No Warranty

Our Site and Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, Milo disclaims all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade.

9.2 Information Accuracy

While we strive for accuracy in our Services, including data synchronised from third-party ERP integrations, we cannot guarantee that all information will be free from errors or omissions. You are responsible for verifying the accuracy of information obtained from or through the Services before making decisions or taking actions based on it.

9.3 Third-Party Links

Our Site or Services may contain links to third-party websites or resources. These links are provided for your convenience only. We do not endorse and are not responsible for the content, products, or services on or available from those websites or resources, nor for any privacy or other practices of such third parties.

10. Limitation of Liability

10.1 Exclusion of Certain Damages

To the fullest extent permitted by law, in no event shall Milo, its affiliates, officers, directors, employees, or agents be liable for any indirect, special, incidental, consequential, or punitive damages, or for any loss of profits, business, goodwill, or revenue arising out of or in connection with these Terms or the use or inability to use our Services.

10.2 Aggregate Liability Cap

In any event, Milo’s total aggregate liability under these Terms (whether in contract, tort, negligence, strict liability, or otherwise) shall be limited to the amounts actually paid by you to Milo for the specific Services giving rise to the claim in the twelve (12) months preceding the event or circumstance giving rise to such liability.

10.3 Statutory Rights

Nothing in these Terms shall exclude or limit any liability that cannot be excluded or limited by applicable law, including liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

11. Termination

11.1 By You

You may terminate these Terms or your use of the Services at any time by ceasing to access and use the Site or relevant portion of the Services. However, any outstanding payment obligations or provisions intended to survive will remain in effect.

11.2 By Milo

We reserve the right to suspend or terminate your access to the Site or Services at any time and without liability if we reasonably believe you have violated these Terms, or if necessary for security, legal, or regulatory reasons.

11.3 Effect of Termination

Upon termination, all rights granted to you under these Terms will cease, and you must discontinue all use of the Services. Any licences or rights explicitly stated to survive termination shall remain in force.

12. Governing Law and Dispute Resolution

These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to settle any dispute arising out of or relating to these Terms.

13. General Provisions

13.1 Entire Agreement

These Terms, together with any documents expressly referred to in them (including our Privacy Policy), constitute the entire agreement between you and Milo regarding your use of the Site and Services.

13.2 Assignment

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 or obligations under these Terms at our discretion, including in connection with a merger, acquisition, or sale of assets.

13.3 Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect, and the parties shall endeavour to substitute a valid, enforceable provision that most closely matches the original intent.

13.4 No Waiver

No failure or delay by Milo to exercise any right, power, or remedy under these Terms shall operate as a waiver. Any waiver must be in writing and signed by an authorised representative of Milo.

13.5 Force Majeure

Milo shall not be liable for any delay or failure to perform its obligations under these Terms if such delay or failure results from causes beyond its reasonable control, including natural disasters, terrorism, riots, war, pandemics, labour disputes, or governmental actions.

13.6 Notices

All notices required or permitted under these Terms shall be in writing and delivered via email to legal@milo-finance.com, or by post to our registered office. We may provide notices to you via email, or through the user dashboard or other communications channels within the Services.

14. Contact Us

If you have any questions about these Terms, or wish to contact us for any reason, please write to:

Milo Ventures Ltd

Attn: Legal Department

No. 2, 19 Grosvenor Gardens,

London, England, SW1W 0BD

Email: legal@milo-finance.com

We will do our best to address your concerns promptly and in accordance with our internal policies and legal obligations.

Thank you for using Milo. By continuing to access or use our Site and Services, you confirm your acceptance of these Terms of Use.