Terms of use

Propel Digital Inc. d/b/a Elllo.ai
Effective Date: October 8, 2026
Last updated: October 8, 2026

1. WHO WE ARE AND ACCEPTANCE OF THESE TERMS

1.1 The parties. These Terms of Use ("Terms") are a legally binding agreement between Propel Digital Inc., an Ontario corporation doing business as Elllo.ai ("Company," "we," "us," or "our"), and you. "You" means the individual using the Service and, if you use the Service for or on behalf of a business or other organization, that organization as well (each, a "Customer").
1.2 The Service. Elllo.ai is an AI phone assistant. It answers calls on a phone number we provide to you, places calls you schedule, transcribes and summarizes those calls, and delivers the results to your inbox, email, text messages, and connected tools (together with our website, applications, APIs, and related software and content, the "Service"). The Service is used by individuals for a personal phone line and by businesses as a front desk and outbound calling tool; these Terms cover both.
1.3 Acceptance. BY CREATING AN ACCOUNT, CLICKING "CONTINUE" OR A SIMILAR BUTTON, OR OTHERWISE ACCESSING OR USING THE SERVICE, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY. If you do not agree, do not use the Service.
1.4 Authority. If you create or use an Account for an organization, you represent that you have authority to bind that organization to these Terms, and "you" includes the organization.
1.5 Updates. We may revise these Terms. We will post the revised Terms with a new effective date and, for material changes, notify you by email or in the Service at least fourteen (14) days before they take effect. Your continued use after the effective date constitutes acceptance. If you do not agree, stop using the Service before the new Terms take effect.

2. DEFINITIONS

2.1 "Account" means the credentials and settings that identify a Customer in the Service, established with a mobile phone number and an email address.
2.2 "Authorized User" means an individual you allow to access your Account or organization, including secondary and view-only users.
2.3 "Caller" means any person who calls a phone number served by the Service, or who receives a call placed through the Service, other than you and your Authorized Users.
2.4 "Call Content" means audio recordings, transcripts, summaries, extracted details (such as a Caller's name, phone number, and the reason for the call), sentiment and other analysis, and any other data generated by handling a call through the Service.
2.5 "Content" means Call Content together with everything else you provide to or generate through the Service, including agent instructions, greetings, knowledge-base text, uploaded call lists, and integration data.
2.6 "Outbound Campaign" means one or more calls you schedule for the Service to place, individually or from an uploaded list.
2.7 "Output" means text, audio, or other material generated by the AI models that power the Service.
2.8 "Wallet Credits" means prepaid, non-transferable credits in your organization's wallet that are consumed by usage of the Service.
2.9 "Third-Party Services" means products, services, and platforms not owned or controlled by Company, including telephony carriers, AI model providers, and tools you connect to the Service (for example Google Calendar or Slack).

3. WHO MAY USE THE SERVICE

3.1 Age. You must be at least eighteen (18) years of age and able to form a binding contract. The Service is not directed to minors.
3.2 Personal and business use. You may use the Service for your own personal purposes or for the internal purposes of your business or organization. You may not resell the Service or offer it to third parties as your own service without our written agreement.
3.3 Consumers. If you use the Service as an individual for personal purposes, nothing in these Terms limits any rights or remedies you have under consumer protection laws that cannot be excluded by agreement. Where these Terms conflict with such a law, the law prevails to the extent of the conflict.
3.4 Sanctions. You may not use the Service if you are located in, or are a resident or national of, a country or territory subject to comprehensive Canadian or United States sanctions, or if you are on a Canadian or United States restricted-party list.

4. ACCOUNTS, ORGANIZATIONS, AND AUTHORIZED USERS

4.1 Registration. To use the Service you must provide a valid mobile phone number and email address and keep your registration information accurate and current. We sign you in with one-time codes sent to your email or phone; there is no password.
4.2 Security. You are responsible for keeping your one-time codes, devices, and remember-me sessions confidential and for all activity under your Account. Tell us promptly at contact@elllo.ai if you suspect unauthorized use.
4.3 Organizations and Authorized Users. An Account may belong to an organization with several Authorized Users. Users with an administrator role can manage the organization's lines, agents, wallet, and integrations; view-only users can read the shared inbox. Every Authorized User can see the Call Content of the lines they are given access to. You are responsible for your Authorized Users' compliance with these Terms.
4.4 No transfer. You may not sell, transfer, or assign your Account without our prior written consent.

5. FEES, SUBSCRIPTIONS, AND WALLET CREDITS

5.1 Pricing. Plan descriptions, features, and prices are shown in the Service and are incorporated by reference. Unless otherwise stated, amounts are in United States dollars and exclude taxes.
5.2 Subscriptions. Inbound service is offered on a recurring subscription. By subscribing you authorize us and our payment processor, Stripe, to charge your payment method at the start of each billing period until you cancel. Free trials convert to paid subscriptions at the then-current rate unless cancelled before the trial ends.
5.3 Cancelling a subscription. You may cancel at any time through the billing controls in the Service. Cancellation takes effect at the end of the current billing period. Except as required by law, subscription fees, including partial periods, are non-refundable.
5.4 Wallet Credits. Outbound calling and certain other features are paid for with Wallet Credits that you purchase in advance. Usage is charged against your wallet at the rates shown in the Service at the time of the call. Wallet Credits are not money, do not earn interest, cannot be transferred or redeemed for cash, and do not expire while your Account remains open. If your wallet balance is insufficient, the Service will not place new outbound calls until you reload. Except as required by law, purchases of Wallet Credits are non-refundable, and any unused balance is forfeited when your Account is closed.
5.5 Changes to pricing. We may change plan prices and usage rates. Subscription price changes take effect at your next billing period after at least thirty (30) days' notice. Usage-rate changes are shown in the Service before they apply.
5.6 Taxes. You are responsible for applicable taxes, levies, and duties, which we may add to your charges.
5.7 Chargebacks. Unauthorized payment reversals may result in suspension of your Account and any unpaid amounts becoming immediately due.

6. YOUR RESPONSIBILITIES FOR CALLS

You control how your AI agent is configured, whom it calls, and what it says. Because telephone, recording, and automated-calling laws differ by place and are your responsibility as the party operating the line, you agree to the following.
6.1 Recording and transcription. The Service records and transcribes calls so that it can produce your summaries and inbox. Many jurisdictions require that every party to a call be told that it is being recorded. You are responsible for ensuring that your greeting and agent configuration give any notice required in the places you and your Callers are located, and for not removing a recording or AI disclosure that we include by default where the law requires it.
6.2 AI disclosure. Some laws require that a person be told when they are speaking with an automated or AI system. Our outbound agent identifies itself as an AI agent by default. You are responsible for keeping any disclosure required by applicable law in your agent's greeting and instructions.
6.3 Outbound Campaigns. Before scheduling a call or uploading a call list, you represent and warrant that (a) you have the prior express consent of each person to receive automated or AI-placed calls from you at the number provided, where such consent is required; (b) you have checked the numbers against the applicable national do-not-call registries and your own internal do-not-call list; (c) no number belongs to an emergency line, a health-care facility emergency line, or a service for which automated calls are prohibited; and (d) the purpose and content of the calls comply with all applicable laws, including the Telephone Consumer Protection Act and Telemarketing Sales Rule in the United States and the CRTC Unsolicited Telecommunications Rules and Canada's Anti-Spam Legislation in Canada.
6.4 Calling hours. Automatically scheduled and redialled calls are placed Monday to Friday between 10:00 and 16:00 Eastern Time. Times you supply outside that window are moved to the next available slot. You remain responsible for confirming that the calling hours are lawful for each Caller's location.
6.5 Honouring requests. If a Caller asks not to be called again, you must add them to your do-not-call list and not schedule further calls to them.
6.6 No emergency use. The Service is not a substitute for emergency services, cannot place or receive 911 or other emergency calls, and must not be relied on for time-critical or safety-critical communications.
6.7 Sensitive information. Do not configure the Service to solicit payment card numbers, government identification numbers, health information, or other sensitive personal data from Callers.
6.8 Call transfers. On business plans you may list people your agent can transfer a Caller to. You are responsible for having each person's agreement to receive transferred calls on the number you provide, for keeping the list current, and for any notice the law requires when a call is handed to a person.
6.9 Responsibility. As between you and Company, you are the party responsible to Callers and regulators for the calls made and received on your lines. You will indemnify us for claims arising from your breach of this Section 6 as set out in Section 18.

7. CONTENT AND CALL CONTENT

7.1 Ownership. As between the parties, you own your Content, including Call Content generated on your lines, subject to the rights of the Callers whose personal information it contains.
7.2 Licence to operate the Service. You grant Company a non-exclusive, worldwide, royalty-free licence to host, store, transmit, record, transcribe, analyze, and otherwise process your Content, and to disclose it to our service providers, solely to provide, secure, support, and improve the Service, to comply with law, and as you otherwise direct through the Service (for example by connecting an integration).
7.3 Our role. For Call Content that contains Callers' personal information, we act as your service provider (data processor) and process it on your instructions as expressed through the Service. Our Privacy Policy describes what we collect and how we handle it. A data processing agreement is available to business customers on request.
7.4 Model training. We do not use your Content to train AI models. Our AI providers process Content under service-provider terms that do not permit them to use it to train their models.
7.5 Aggregated data. We may use data about how the Service is used, in aggregated or de-identified form that does not identify you or any Caller, to operate and improve the Service.
7.6 Representations. You represent that you have the rights and permissions needed for the Content you provide and for its processing as described here, and that your Content and use of the Service do not violate any law or third-party right.
7.7 Deleting Content and retention. You can delete calls from your inbox in the Service; deleted calls, including their recordings, are permanently removed by a nightly process. Inbound calls on plans with a retention window are deleted automatically once they are older than the window shown for your plan, as described in our Privacy Policy; business and custom plans keep calls until you delete them. You can close your Account and have your Content deleted from the Account page in the Service, or by contacting us as described in Section 20. Our Privacy Policy explains what is deleted and when.

8. PRIVACY

Our Privacy Policy at https://elllo.ai/privacy explains what personal information we collect from you and from Callers, how we use and share it, the cookies we use, and your rights. It is incorporated into these Terms by reference.

9. AI-GENERATED OUTPUT

9.1 Nature of Output. The Service uses probabilistic AI models to speak with Callers, transcribe audio, and write summaries. Output can be inaccurate, incomplete, or inappropriate, may misunderstand a Caller, and may misstate names, numbers, dates, or intentions.
9.2 No verification. We do not review or verify Output. You are responsible for reviewing Output before relying on it or acting on it, including before contacting a Caller or entering into any commitment based on a summary.
9.3 Not professional advice. Output is not medical, legal, financial, or other professional advice, and the Service does not create any professional relationship with you or any Caller.
9.4 Your configuration. You are responsible for the instructions, greeting, and knowledge you give your agent and for ensuring they are lawful, accurate, and not misleading.

10. ACCEPTABLE USE

You agree not to, and not to allow anyone to, use the Service to:
(a) violate any law, regulation, or court order, or the rights of any person;
(b) place unsolicited, deceptive, or harassing calls, spoof caller identity, or impersonate any person or organization;
(c) collect personal information from Callers without a lawful basis, or use Call Content for a purpose incompatible with the reason the Caller shared it;
(d) deceive a Caller about whether they are speaking with an AI system where disclosure is required;
(e) transmit unlawful, defamatory, hateful, obscene, or otherwise objectionable content;
(f) introduce malware, probe or circumvent our security or rate limits, or interfere with the Service's operation;
(g) reverse-engineer the Service or the models behind it, except where the law permits notwithstanding this restriction;
(h) access the Service by automated means, other than through our documented APIs, without our written consent;
(i) use the Service to build a competing product; or
(j) resell or sublicense the Service without our written agreement.

11. THIRD-PARTY SERVICES AND INTEGRATIONS

11.1 Providers we use. The Service is built on Third-Party Services for telephony, transcription, AI models, voice synthesis, email, notifications, and payments. Our Privacy Policy lists them. Their availability affects the Service, and we may change providers.
11.2 Integrations you connect. When you connect a Third-Party Service such as Google Calendar, Slack, HubSpot, Telegram, or WhatsApp, or when you configure webhooks or an API key, you authorize us to send the relevant Content to it (for example, booking details including a Caller's name, phone number, and email into a calendar event, or a call summary to your own chat or endpoint) and to receive data from it, as described in the Service. Copies already sent to a connected service are not deleted when you delete a call in Elllo. Your use of those services is governed by their terms, and you can disconnect them at any time.
11.3 No responsibility for third parties. We are not responsible for Third-Party Services, their content, or their acts or omissions.

12. BETA FEATURES

Features identified as "beta," "preview," or similar are experimental, may change or be withdrawn without notice, may contain errors, and are provided "as is" without warranties or support commitments. Feedback about beta features may be used by us without restriction.

13. CHANGES TO THE SERVICE

We may modify, suspend, or discontinue the Service or any feature at any time. Where reasonably practicable we will give notice of material reductions in functionality. If we discontinue the Service entirely, we will give you an opportunity to export your Content and, where the law requires, refund prepaid amounts for the unused portion of your subscription.

14. SUSPENSION AND TERMINATION

14.1 By you. You may stop using the Service at any time, cancel your subscription in the Service, and close your Account from the Account page in the Service or by contacting us.
14.2 By us. We may suspend or terminate your Account, immediately where necessary, if you breach these Terms, fail to pay, use the Service in a way that creates legal or security risk for us, our providers, or Callers, or if a carrier or provider requires it. We will tell you the reason where the law allows.
14.3 Effect. On termination your right to use the Service ends, your lines are released, and we will delete your Content as described in the Privacy Policy. Amounts owed remain due. Sections 5 (for amounts owed), 6.9, 7, 9, 15 to 20, and any other provision that by its nature should survive, survive termination.

15. INTELLECTUAL PROPERTY, FEEDBACK, AND PUBLICITY

15.1 Our property. The Service, including its software, interfaces, designs, trademarks, and documentation, is owned by Company or its licensors and protected by intellectual property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable licence to use the Service for your personal purposes or the internal purposes of your organization.
15.2 Feedback. If you give us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free licence to use it without obligation to you.
15.3 Publicity. We will not publicly disclose your Content or identify you as a customer without your consent, except as required by law.
15.4 Copyright complaints. Send notices of claimed copyright infringement to contact@elllo.ai with the information required under applicable law.

16. DISCLAIMERS

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT CALLS WILL CONNECT, BE RECORDED, OR BE TRANSCRIBED OR SUMMARIZED ACCURATELY. Section 3.3 applies to consumers.

17. LIMITATION OF LIABILITY

17.1 Exclusions. TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY AND ITS AFFILIATES, OFFICERS, EMPLOYEES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
17.2 Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED U.S. DOLLARS (US$100).
17.3 Exceptions. Nothing in these Terms excludes or limits liability for fraud, for death or personal injury caused by negligence, or for any liability that cannot be excluded or limited under applicable law, including consumer protection law.

18. INDEMNIFICATION

If you use the Service for or on behalf of a business or organization, you will defend, indemnify, and hold harmless Company and its affiliates, officers, employees, and agents from third-party claims, fines, damages, and reasonable legal costs arising out of (a) your Content, (b) your breach of Section 6 or Section 10, including claims by Callers or regulators relating to recording, disclosure, consent, transfers, or do-not-call obligations, or (c) your breach of these Terms. We will notify you promptly of any such claim and cooperate at your expense. If you are a consumer, this Section applies only to the extent permitted by applicable law.

19. GOVERNING LAW AND DISPUTES

19.1 Governing law. These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.
19.2 Informal resolution. Before starting a formal proceeding, the parties will try in good faith to resolve any dispute by written notice and discussion for at least thirty (30) days.
19.3 Courts. Subject to Section 19.4, the courts located in Toronto, Ontario have exclusive jurisdiction over any dispute arising out of these Terms or the Service, and each party submits to their jurisdiction.
19.4 Consumers. If you are a consumer, you may bring a claim in the courts of your place of residence where applicable law gives you that right, and nothing in this Section 19 limits your right to complain to a consumer protection or privacy regulator.

20. GENERAL TERMS AND CONTACT

20.1 Notices. We may give you notices by email to the address on your Account or by posting in the Service. Notices to us must be sent by email to contact@elllo.ai or by mail to Propel Digital Inc. d/b/a Elllo.ai, 120 Eglinton Avenue East, Suite 202, Toronto, Ontario, M4P 1E2, Canada.
20.2 Assignment. You may not assign these Terms without our prior written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets, with notice to you.
20.3 Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including carrier or provider outages, internet failures, natural disasters, labour disputes, or government action. This does not excuse payment obligations.
20.4 Severability and waiver. If any provision is unenforceable, the rest remains in effect and the provision is enforced to the maximum extent permitted. A failure to enforce a provision is not a waiver.
20.5 Entire agreement. These Terms, the Privacy Policy, and any order or plan terms shown in the Service are the entire agreement between you and Company about the Service and supersede prior agreements. "Including" means "including without limitation."
20.6 Language. These Terms are drafted in English. Where a translation is provided, the English version governs to the extent permitted by law.
20.7 Contact. Questions about these Terms: contact@elllo.ai.