Terms and conditions

About this translation

This is an English translation, provided so you can read what you are agreeing to. The Dutch version is the binding one: Stella is sold from the Netherlands under Dutch law, and if the two texts differ on any point, the Dutch text applies. You can read it at stella-app.nl/algemene-voorwaarden, stella-app.nl/privacybeleid, stella-app.nl/cookiebeleid and stella-app.nl/herroepen.

Article 1. Definitions

In these terms and conditions the following definitions apply:

•Stella : the mobile application and web service "Stella Networth Tracker", owned by Mayelow.

•Mayelow : Mayelow, trading as Stella Networth Tracker, established at Charlotte van Pallandthof 132, 1112 ZL Diemen, the Netherlands, registered with the Dutch Chamber of Commerce under number 91736838.

•User : any natural person aged 18 or over who uses the Services.

•Services : all services offered by Stella, including visualising financial data, calculating net worth, simulating future scenarios and all other features.

•Account : the personal account through which the User gains access to the Services.

•Agreement : the agreement between Mayelow and the User concerning use of the Services.

•Personal Data : all information about an identified or identifiable natural person.

•Financial Data : all data entered by the User or obtained through APIs concerning bank accounts, investments, crypto assets and other financial information.

Article 2. Applicability

•These terms and conditions apply to all Agreements between Mayelow and the User.

•By creating an Account or using the Services, the User accepts these terms and conditions.

•Departures from these terms and conditions are valid only if agreed in writing.

•Mayelow reserves the right to amend these terms and conditions. Users are notified at least 30 days in advance.

Article 3. The Services

•Stella offers informational services only, in the form of: visualisation of financial data

•Calculation of net worth

•Simulation of future scenarios based on parameters entered by the User

•Overviews of financial positions

•No financial advice : the Services do not constitute financial advice, investment advice or any other form of professional advice. All calculations and simulations are purely informational.

•The User acknowledges that: all information presented serves an informational purpose only

•Future scenarios are based on assumptions and offer no guarantee

•Stella makes no recommendations about specific financial products or decisions

Article 4. Registration and Account

•Registration is required in order to use the Services.

•The User must be at least 18 years old.

•On registration the User provides correct and complete information.

•The User is responsible for keeping their sign-in details confidential.

•The User must report suspicious use immediately to info@stella-app.nl .

•One Account per person is permitted, unless agreed otherwise.

Article 5. Conditions of use

•The User uses the Services for personal purposes only.

•Business use is permitted provided it remains reasonable and does not overload the Services.

•It is prohibited to: use the Services for illegal purposes

•Circumvent security measures

•Spread viruses or harmful code

•Reverse engineer the Services

•Infringe intellectual property rights

Article 6. Privacy and data protection

•Mayelow processes Personal Data in accordance with the General Data Protection Regulation (GDPR).

•For details, see the separate Privacy policy .

•The User has the right to access, correct and delete their data.

•Financial Data is stored encrypted with AES-256 encryption.

•Passwords are stored hashed with bcrypt.

•All traffic runs over HTTPS/TLS 1.3 connections.

•The User can request a copy of their data, in CSV or JSON, and have their account deleted. Both by emailing info@stella-app.nl.

•We answer such a request within one month, as the GDPR requires, and in practice sooner. Once the app is available, the User can also do it themselves from their account settings.

Article 7. API connections (future functionality)

•Once API connections become available: the User uses them at their own risk

•The User grants permission for data to be retrieved

•The User remains responsible for the accuracy of the data

•Mayelow cannot be held liable for errors in external data

Article 8. Intellectual property

•All rights to the Services, including software, design and content, belong to Mayelow.

•The User obtains a non-exclusive right of use.

•Copying, modifying or distributing content without permission is prohibited.

•Feedback from Users may be used by Mayelow to improve the Services.

Article 9. Prices and payment

•Stella may offer a free trial period.

•After the trial period the Services are available against payment only.

•Current prices are communicated through the website and the app.

•Payment for a subscription is made in advance, monthly or yearly. Article 10 applies to the founding membership.

•Price changes are announced at least 30 days in advance.

•Access may be suspended if payment is not made on time.

Article 10. Founding membership

•The founding membership is a one-off purchase of lifetime access to Stella Premium, offered through stella-app.nl for €79 including VAT. The offer is limited to 100 memberships.

•It is not a subscription. There is no recurring charge and access does not end, not even once Premium is later offered on a subscription basis.

•Payment is processed by Stripe. Mayelow neither receives nor stores payment details.

•Delivery takes place when Stella launches in the App Store or on Google Play. To receive it the User creates an Account with the email address used for payment, after which Premium is activated on that Account. If the Account uses a different email address from the one used to pay, Mayelow links the membership manually on request.

•Right of withdrawal: the User has 14 days to change their mind from the day of purchase and may cancel the agreement within that period without giving a reason. Because delivery only happens at launch, that period simply keeps running for as long as Premium has not been activated. Once Premium is activated on the Account, delivery begins and the right of withdrawal ends, as with any digital product that is put to use immediately. See the Right of withdrawal at stella-app.nl/herroepen, which also carries the statutory model form.

•A refund after withdrawal is made within 14 days of receiving the notice, using the same payment method as was used to pay, at no cost to the User.

•If Stella is not released on the platform the User uses (iPhone or Android), Mayelow refunds the full amount, including after the withdrawal period has passed.

•The founding membership is personal and non-transferable, unless Mayelow agrees otherwise in writing.

•Article 2 paragraph 4 may not be used to reduce the scope of a founding membership already purchased, or to end its lifetime access.

•In addition, the founding member receives: access to the beta of Stella before launch, as soon as it is available; the opportunity to vote on the order in which new features are built, with the final choice remaining with Mayelow; a direct line to the maker of Stella; and all features later added to Premium, at no extra cost.

•Taking part in the beta does not count as delivery. The withdrawal period in this article continues until Premium is activated on the Account at launch.

Article 11. Cancellation and termination

•This article concerns subscriptions. A founding membership does not expire and does not need to be cancelled.

•The User may cancel a subscription at any time.

•Cancellation is done through account settings or by email.

•For monthly subscriptions, access ends at the end of the paid period.

•Amounts already paid for a running subscription period are not refunded. This does not affect the statutory right of withdrawal or what article 10 provides for the founding membership.

•Mayelow may terminate the Agreement in the event of: breach of these terms

•Abuse of the Services

•Non-payment

Article 12. Liability

•Exclusion of liability : Mayelow is not liable for: decisions taken on the basis of the information provided

•Financial losses or missed profits

•Inaccuracies in calculations or simulations

•Unavailability of the Services

•The Services are provided "as is" without warranties.

•Insofar as liability cannot be excluded, it is limited to the higher of two amounts: what the User has paid in the last twelve months, or what the User has paid for the Services in total. That second measure exists for the founding membership: it is paid once, and with only the first the cap would be nil after a year.

•These limitations do not apply in the case of intent or gross negligence on the part of Mayelow, nor to damage from death or personal injury. They leave the User’s mandatory rights as a consumer untouched: what the law grants a consumer cannot be written away here.

Article 13. Indemnity

The User indemnifies Mayelow against all third-party claims arising from:

•The use of the Services by the User

•Breach of these terms

•Infringement of third-party rights

Article 14. Force majeure

•Mayelow is not liable in the event of force majeure.

•Force majeure includes: failures of internet connections, power cuts, cyber attacks, government measures and other circumstances beyond Mayelow’s control.

Article 15. Changes to the Services

•Mayelow may change or extend the Services at any time.

•Users are informed in advance of substantial changes.

•Features may be added or removed.

Article 16. Availability

•Mayelow aims for the highest possible availability of the Services.

•Mayelow cannot guarantee uninterrupted availability.

•Planned maintenance is announced in advance where possible.

•Mayelow is not liable for damage caused by (temporary) unavailability.

Article 17. Communication

•Communication takes place by email to the address provided by the User.

•Official notices may also be given through the app.

•For legal matters: info@stella-app.nl

Article 18. Complaints

•Complaints about the Services can be submitted to info@stella-app.nl .

•Mayelow aims to handle complaints within 14 days.

•If no agreement is reached, the User may turn to the competent court.

Article 19. Governing law and disputes

•Dutch law applies to these terms.

•If the User is a consumer, the court the law designates has jurisdiction. For other Users, disputes are submitted to the Amsterdam district court.

•The parties will first try to resolve disputes by mutual consultation.

Article 20. Other provisions

•If a provision is void or voidable, the remaining provisions stay in force.

•Mayelow may transfer rights and obligations to third parties.

•The User may only transfer rights with permission.

Article 21. Waitlist and invitations

Waitlist

•After signing up, you confirm your email address through the link in the email we send you. Only then do you get a place in the line.

•Your place follows the moment you confirm your signup: whoever confirms earlier stands earlier. For every friend who signs up through your personal link and confirms, you move up 5 places. If a friend becomes a founding member through your link, you move up 20 places for that friend instead of 5. Per friend only the highest number counts. Where places are equal, whoever moved up the most places through friends goes first, then the earlier confirmation.

•Others can pass you when they invite friends. Your place can therefore also drop.

•If a friend’s purchase is refunded, the 20 places for that friend lapse. If that friend confirmed their waitlist signup, the 5 places stay.

•Founding members are outside the line and get access to the beta first. After that, Mayelow invites participants in line order.

•A place in the line does not give a right to access on any particular date.

•Beta participants may be asked to give feedback.

Free Premium

•Every participant who signed up before 10 October 2026 and confirms that signup gets three (3) months of Stella Premium free. Anyone who signs up on or after 10 October 2026 gets a place in the line but no free months. Inviting friends earns places in the line, not extra months.

•The free months are granted automatically at your first login to the app with the email address you signed up to the waitlist with. They start at that first login, not at launch.

•The free months do not expire while the app has not launched. After launch you can claim them by logging in until twelve (12) months after the launch date. After that they expire.

•The waitlist and the free months are free of charge. If the app does not launch, you are not entitled to any compensation.

•Founding members already have Premium forever. For them these months do not come on top.

Conditions

•Only valid signups count as invitations: a unique, confirmed email address. A signup with a variant of your own address (such as name+1@…), or with an address already on the waitlist, does not count. The same goes for a founding purchase with your own address or a variant of it.

•Abuse, such as fake signups, leads to exclusion from the invitation rewards.

•Free months are personal, not transferable and cannot be exchanged for money.

•Participants may not advertise misleadingly or send spam to get invitations.

•You can always stop the waitlist emails through the link at the bottom of every email. Your place and your free months stay.

•Mayelow may change or stop the waitlist and the invitations. Places and months you already have at that moment remain valid.

Article 22. Contact

For questions about these terms and conditions:

Mayelow trading as Stella Networth Tracker Email: info@stella-app.nl Chamber of Commerce number: 91736838 VAT number: NL004912213B40 Establishment number: 000057397775

These terms and conditions were last amended on 29 September 2026 and take effect on 29 September 2026.