REFERRAL PROGRAM TERMS AND CONDITIONS

Version Date: August 6th, 2026
These Referral Program (the “Program”) Terms and Conditions (the “Program Terms”) give You an opportunity to receive a reward for successfully referring Referrals to register for and use the Services, subject to Melio’s Terms of Service.
  1. Definitions
    The following terms shall have the following meanings:
    • “Accountant” means an accountant or bookkeeper, whether an individual or an entity, that uses the Services in a professional capacity to manage payments on behalf of clients.
    • “Client” means a client of an Accountant that has been successfully added as a client of such Accountant within the Services.
    • “Effective Date” means the date of this version of the Program Terms.
    • “Melio” means Melio Payments Inc.
    • “Organization” shall have the meaning ascribed to such term in the Terms of Service.
    • “Payment” means a payment made through the Services in accordance with the Terms of Service, that was not refunded, charge-backed, blocked, withheld or otherwise canceled.
    • “Personal Referral Link” means a personal URL link provided to You or sent directly to Your Referral for the purpose of directing Referrals to the Website, and for identifying and tracking specific Referrals.
    • “Referral” means a United States business that is not an existing Organization, and (a) was set up as an Organization by a User directly using Your Personal Referral Link; or (b) only if You are an Accountant, was added as Your Client within the Services on or after the Effective Date. For the avoidance of doubt, an Accountant may qualify for a Reward under either (a) or (b).
    • “Reward” means the monetary reward payable to You under Section 2 of the Program Terms, as detailed in the Website.
    • “Services” shall have the meaning ascribed to such term in the Terms of Service.
    • “Terms of Service” means Melio’s terms of service available on the Website (as may be amended from time to time), at https://melio.com/terms-of-service/.
    • “User” shall have the meaning ascribed to such term in the Terms of Service.
    • “Website” means Melio.com or Meliopayments.com.
  2. Rewards
    • 2.1 Reward Eligibility
    • For each Referral who has signed up to the Services and complied with the terms of the Program as shown on the Website, You will be entitled to a Reward. For the avoidance of doubt, in no event will You be entitled to more than one Reward for each Referral. Notwithstanding the foregoing, a Referral must be approved by Melio through its standard onboarding and compliance review process in order to qualify for a Reward; Melio reserves the right to deny Reward eligibility with respect to any Referral that does not satisfy Melio’s approval requirements. Rewards are personal to You, are non-transferable, and may not be auctioned, traded, bartered, or sold.
    • 2.2 Registration with impact.com Required
    • Rewards under this Program are administered and disbursed exclusively through impact.com, a third-party rewards management platform (the “Platform”). In order to receive any Reward, You must register for and maintain an active account on the Platform. By participating in this Program, You expressly agree to:
    • create and maintain a valid account on the Platform in accordance with impact.com’s registration requirements;
    • comply with all of impact.com’s terms of service, privacy policies, and any other applicable rules and guidelines governing use of the Platform, as may be updated from time to time; and
    • provide all information reasonably requested by impact.com to verify Your identity and eligibility to receive a Reward.
    Melio has no obligation to disburse any Reward to You other than through the Platform. If You fail to register with impact.com, fail to maintain an active account in good standing, or are otherwise ineligible to receive disbursements through the Platform for any reason, Melio will have no liability to You with respect to any Reward that cannot be disbursed as a result.
    2.3 Disbursement Responsibility
    The disbursement of all Rewards is the sole responsibility of impact.com as the Platform operator. Once Melio confirms Your Reward eligibility and transmits the applicable payment instruction to impact.com, Melio’s obligations with respect to such Reward shall be deemed fulfilled. Melio shall have no liability for any delay, failure, error, or loss arising from or in connection with impact.com’s disbursement of Rewards, including but not limited to:
    • delays or errors in processing or transferring Reward payments;
    • technical failures, outages, or disruptions of the Platform;
    • suspension or termination of Your impact.com account by impact.com;
    • any acts or omissions of impact.com; or
    • any changes to impact.com’s services, fees, or policies that affect Your ability to receive a Reward.
  3. Third-Party Platform
    • impact.com is an independent third-party platform and is not affiliated with, endorsed by, or acting as an agent of Melio. Your use of the Platform is solely at Your own risk and subject to impact.com’s own terms and policies. Melio expressly disclaims any and all liability arising from or related to Your use of the Platform, including but not limited to: any fraudulent activity, unauthorized access to Your account, account takeover, identity theft, or other fraudulent transactions occurring on or through the Platform; any loss, theft, or unauthorized disclosure of Your personal or financial information held by impact.com; any errors, inaccuracies, or omissions in the Platform’s tracking, reporting, or payment systems; any disputes between You and impact.com regarding Your account, account status, or any amounts held or withheld by impact.com; any inability to access or use the Platform for any reason, including account suspension, termination, or closure; and any modifications to the Platform’s terms, fees, or functionality that affect Your participation in the Program or Your ability to receive or retain a Reward. You acknowledge and agree that Your sole recourse with respect to any of the above matters is against impact.com directly, and not against Melio. Melio shall bear no obligation to intervene in or resolve any dispute between You and impact.com.
  4. Taxes
    • You shall bear, and be solely responsible for, all taxes, levies, and charges associated with and imposed on You in connection with the receipt of any Reward, and any filings required in connection therewith.
  5. Personal Information
    • Melio may use information related to You or Your Referrals in accordance with its Privacy Policy, as amended from time to time. You agree and acknowledge that Melio may send You notifications, updates and promotional materials related to the Program, in accordance with its Privacy Policy.
  6. Termination
    • Melio reserves the right, in its sole discretion, to modify, suspend, or cancel the Program (in whole or in part) at any time and for any reason, including if Melio determines that the administration, security, or integrity of the Program has been compromised in any way. In the event of Program cancellation, Melio will use commercially reasonable efforts to honor Reward eligibility that accrued prior to the effective date of such cancellation, but shall have no further obligation with respect to the Program thereafter.
    • 6.1 Termination of Your participation
    • Melio may terminate Your participation in the Program, as set forth in this Agreement, immediately, for any or no reason, upon written notice to You, at Melio’s sole and absolute discretion.
  7. No Warranties
    • MELIO MAKES NO EXPRESS OR IMPLIED WARRANTIES OR REPRESENTATIONS WITH RESPECT TO ANY ARRANGEMENTS CONTEMPLATED BY THESE PROGRAM TERMS, INCLUDING WITHOUT LIMITATION WITH RESPECT TO ANY CLAIMS ARISING FROM THE RELATIONSHIP BETWEEN THE REFERRALS AND MELIO, INCLUDING FITNESS FOR A PARTICULAR PURPOSE, SUITABILITY, MERCHANTABILITY, LEGALITY OR NON-INFRINGEMENT.
  8. Fraud; Abuse; Rejection
    • MELIO RETAINS THE RIGHT TO REVIEW THE REWARD PAYABLE PURSUANT TO THESE PRPGRAM TERMS TO YOU FOR POSSIBLE FRAUD OR ABUSE, INCLUDING THE OPENING OF FALSE COMPANY ACCOUNTS, WHERE SUCH FRAUD OR ABUSE MAY BE ON THE PART OF A REFERRAL AND/OR ON YOUR PART. WITHOUT DEROGATING FROM THE FOREGOING, MELIO IN ITS SOLE DISCRETION SHALL REJECT THE ELIGIBILITY TO ANY REWARD SHOULD MELIO CONSIDER YOUR AND/OR YOUR REFERRAL’S ACTIVITY AS FRAUDULENT OR ABUSIVE. MELIO, AT ITS SOLE DISCRETION, BASED ON ITS INTERNAL RISK AND COMPLIANCE POLICIES OR FOR ANY OTHER REASON, MAY REJECT CERTAIN REFERRALS OR DENY CERTAIN PAYMENTS.
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      Without limiting the foregoing, the following conduct is expressly prohibited and may result in immediate disqualification from the Program, forfeiture of any accrued Rewards and suspension of Your access to the Service: (i) creating multiple or fictitious accounts, using fake identities or email addresses, or employing bots, scripts, macros, or other automated means to generate referrals; (ii) bulk distribution of Your Personal Referral Link to individuals with whom You do not have a genuine pre-existing relationship (including spam or unsolicited mass communications); (iii) use of any paid advertising to promote the Program or the Services, including but not limited to paid search, display advertising, affiliate networks, or paid email campaigns; (iv) use of coupon promotions or financial incentives not authorized by Melio to induce a prospective Referral to sign up; and (v) any other conduct that Melio determines, in its sole discretion, undermines the fairness, integrity, or legitimate operation of the Program.
  9. Ownership of Proprietary Materials
    • Melio may, at its sole discretion, provide You with advertising/marketing, creative materials, or other proprietary materials, regardless of whether such materials are copyrighted, trademarked, or constitute trade secrets, for the purpose of promoting the Services to Referrals (collectively “Proprietary Materials”). All rights, title and interest including but not limited to intellectual property rights, in and to the Proprietary Materials shall be and remain the sole and exclusive property of Melio and You are not granted any license, other than as explicitly set forth in this Section, with respect thereto.
  10. Indemnification
    • You will defend, indemnify, and hold harmless Melio and its directors, officers, employees, representatives, and agents from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with: (a) Your participation in the Program; (b) any breach by You of these Program Terms or any applicable law or regulation; (c) any misrepresentation made by You in connection with the Program or to any Referral; or (d) any claim or demand by a Referral arising from any action or omission of Yours. This indemnification obligation shall survive termination of Your participation in the Program or cancellation of the Program.
  11. Force Majeure
    • Melio and its affiliates shall not be liable to You for any failure or delay in performing obligations under these Program Terms (including any failure to disburse a Reward) to the extent such failure or delay results from causes beyond Melio’s reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, governmental action, regulatory requirements, labor disputes, epidemic or pandemic, or failure of third-party infrastructure or platforms (including the Platform). In such circumstances, Melio’s obligations shall be suspended for the duration of the force majeure event, and Melio shall not be required to provide any compensation or substitute performance.
  12. Miscellaneous
    • Governing Law. The construction, validity and performance of these Program Terms will be governed by the laws of the State of New York. The competent courts in New York, NY will have exclusive jurisdiction in any matter arising from or related to these Program Terms. This, however, shall not prevent Melio from bringing any action in the court of any other jurisdiction for injunctive or similar relief.
    • Modification. Melio may change the Program Terms from time to time. Melio will provide You with notice of such changes by posting the latest version of the Program Terms on Melio’s website or otherwise making the latest version of the Program Terms available where You can reasonably access it. Your continued engagement in the Program after the effective date of the amended Program Terms constitutes Your consent to such amended terms.
    • Relationship of Parties. Nothing in these Program Terms will create any partnership, joint venture, agency, franchise, sales representative or employment relationship between the You and Melio.
    • Waiver. Melio’s failure to enforce strict performance of any provision of these Program Terms will not constitute a waiver of Melio’s right to subsequently enforce such provision or any other provision of these Program Terms.
    • Severability. Whenever possible, each provision of these Program Terms shall be interpreted in such a manner as to be effective and valid under applicable law but, if any provision of these Program Terms is held to be invalid, illegal or unenforceable in any respect, such provision will be ineffective only to the extent of such invalidity or unenforceability, without invalidating the remainder of these Program Terms or any of its provisions.