Sello — Terms of Service

1. Eligibility

You must be at least 18 years old, a resident of the United States, and capable of forming a binding contract to create an account. Sello is designed for US self-employment income and 1099 operators; you represent that you meet this description or are using the Service on behalf of such a person with authorization.

2. The service

Sello is a multi-tenant receipt and expense tracker with agentic AI assistance for self-employed professionals. The public marketing site includes free tools (including the quarterly 1040-ES calculator) that are provided without signup. Authenticated features — receipt OCR, bank-feed classification, Schedule C preview, quarterly estimator, conversational chat, monthly-close agent, and annual-review agent — require an active subscription or an available per-feature entitlement.

3. Accounts and security

You are responsible for safeguarding your authentication credentials (passkeys and email magic-link access) and for all activity that occurs under your account. Sello uses phishing-resistant authentication delivered via WorkOS AuthKit — passkey-first with email magic-link as fallback — and does not store or accept passwords. You must not share or transfer your authentication factors to another person. Notify us at [email protected] immediately if you suspect unauthorized access.

4. Not tax advice

Calculators, AI classifications, Schedule C previews, quarterly 1040-ES estimates, state and local tax figures, annual-review suggestions, and chat answers are informational only and are not a substitute for advice from a qualified tax professional. Sello does not prepare, review, or file returns on your behalf. You are solely responsible for the accuracy of any figures you submit to the IRS, state tax authorities, or any other party. We are not liable for any tax penalty, interest, or other adverse outcome resulting from your use of the Service.

5. Billing, trials, and cancellation

Subscription billing is processed by Stripe. A 14-day free trial is offered with no card upfront. If you subscribe, fees are charged on the monthly or annual cadence you select and auto-renew until cancelled. You may cancel at any time via the Stripe Customer Portal linked from Settings → Billing.

Refunds: we do not pro-rate refunds for the current billing period but will honor good-faith requests for the immediately preceding charge if you cancel within 7 days of being billed and have not used an agent run (monthly close, annual review, or paid add-on) during that period.

Lapsed accounts: if your subscription lapses, your data enters read-only mode for 30 days, then export-only for an additional 30 days, before being archived per our retention policy. You can export a full data download at any time from Settings → Audit Vault without approval.

Add-on purchases: one-time purchases (e.g., additional chat-question credits at $6.99, extra annual review at $2.50) are non-refundable once the associated feature is used.

6. Acceptable use

You agree not to:

• Attempt to access accounts or data that don't belong to you.
• Reverse-engineer, scrape, or circumvent rate limits on the Service.
• Upload malware, fraudulent receipts, or content you don't have the right to submit.
• Connect financial accounts that do not belong to you or that you don't have authorization to connect.
• Use the Service to facilitate tax fraud, money laundering, or any unlawful activity.
• Interfere with the Service's operation (e.g., DoS, abuse of AI agents to exhaust tokens).
• Train third-party machine-learning models on any output of the Service without our written permission.

We may suspend or terminate accounts that violate these rules, and may cooperate with law enforcement on unlawful activity.

7. Your data

You retain ownership of all data you submit to Sello — transactions, receipts, trips, entity details, and AI chat history. You grant us a limited, non-exclusive license to store, process, and transform that data solely to operate the Service on your behalf. We do not sell your data, share it with advertisers, or train AI models on it. See our Privacy Policy for the full enumeration of data processors and retention periods.

8. Third-party services

Sello integrates with third-party services to operate: Plaid (bank connection), Anthropic (AI models), Stripe (billing), WorkOS (authentication), Postmark (email), Cloudflare (storage and DNS), Vercel and Neon (hosting), Sentry (error monitoring), and Inngest (background jobs). Your use of Plaid Link is additionally governed by Plaid's end-user terms and privacy policy, available at plaid.com/legal. We are not responsible for outages or errors in third-party services we rely on, but we will use commercially reasonable efforts to route around them.

9. Intellectual property

The Sello name, logo, software, models, prompts, and user interface are owned by Vector Echelon AI, LLC and protected by US and international copyright, trademark, and trade-secret law. These Terms do not grant you any license to our IP beyond the limited right to use the Service as intended.

10. Termination

You may terminate your account at any time from Settings. We may suspend or terminate accounts for material violations of these Terms, prolonged payment failure, or legal compulsion. Termination does not entitle you to a refund beyond what's described in Section 5. Your rights to export your data (Section 7) survive termination for 60 days.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THE ACCURACY OF TAX COMPUTATIONS. Some jurisdictions do not allow the exclusion of implied warranties; in those jurisdictions the above disclaimers apply to the maximum extent permitted by law.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VECTORECHELON AI, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE SERVICE, INCLUDING TAX PENALTIES, INTEREST, LOST PROFITS, OR LOST DATA. OUR TOTAL CUMULATIVE LIABILITY FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

13. Indemnification

You agree to defend, indemnify, and hold harmless Vector Echelon AI, LLC from any third-party claims arising from your misuse of the Service, your violation of these Terms, or your violation of another's rights (including privacy or IP rights).

14. Governing law and disputes

These Terms are governed by the laws of the State of Texas, USA, without regard to its conflict-of-laws principles. You and we agree that any dispute arising out of or related to these Terms or the Service will be resolved in the state or federal courts located in Guadalupe County, Texas, and you consent to the jurisdiction of those courts. Nothing in this Section prevents either party from seeking injunctive relief in any court of competent jurisdiction to protect intellectual-property rights.

15. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced by email to registered users at least 14 days before they take effect. Non-material changes (typos, clarifications, minor section reorganization) may be made without advance notice but are always reflected in the effective date above. Your continued use of the Service after the effective date constitutes acceptance.

16. Miscellaneous

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Vector Echelon AI, LLC regarding the Service and supersede any prior agreements. If any provision is found unenforceable, the remaining provisions remain in full effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our written consent; we may assign them freely in connection with a merger, acquisition, or sale of assets.

Contact

Legal or contract questions: [email protected]
Security issues: [email protected]
Privacy or data requests: [email protected]
Mailing: Vector Echelon AI, LLC · Texas, USA