Terms of Service

1The agreement

These Terms of Service are the agreement between you and Meridian, based in New York, United States (“we”, “us”), covering your use of the Meridian applications, the website at meridiancash.io, and the API behind them (together, the “Service”).

By creating an account or using the Service you accept these terms. If you do not accept them, do not use the Service. Our Privacy Policy explains what we do with your information and forms part of this agreement.

2Your account

You must be at least 18 years old and able to enter a contract where you live. An account belongs to one person; it is not for a business, a household or a group, and it is not to be shared.

• Give us an email address you control. Signing in sends a code to that address, so whoever reads it can reach your account.
• Keep your devices and your email secure, and tell us at support@meridiancash.io if you believe somebody else has reached your account.
• You are responsible for what happens under your account, except where it is our fault.

3What Meridian is not

Meridian is not a bank, a broker-dealer, an investment adviser, a tax adviser or an accountant, and nothing in the Service is financial, investment, legal or tax advice. We do not recommend securities, we do not predict markets, and we do not tell you what to do with your money.

The Service describes money you already have and computes scenarios you build yourself. A figure it shows you — a balance, a return, a projection, a category — is information, not a recommendation and not a promise. Projections are arithmetic on assumptions you chose; they are not forecasts and the future will not match them.

Decisions about your money are yours. Where a number matters — a tax filing, a trade, a loan — check it against your institution’s own statements and, where it is warranted, with a professional.

4Connecting your accounts

You connect banks, brokerages and other institutions through Plaid Inc. You sign in on your institution’s own page inside Plaid’s flow, and Plaid returns to us a token that reads that connection.

• Access is read-only. The Service reads balances, transactions, holdings and account details. It cannot move money, place trades or change anything at your institution.
• You may only connect accounts you own or are authorised to access, and you authorise us and Plaid to retrieve that data on your behalf for as long as the connection exists.
• Plaid’s handling of your data is governed by Plaid’s end user privacy policy, not by these terms.
• Institutions change formats, go down, and are sometimes wrong. We show what we are given; we do not guarantee that it is complete, current or accurate.

You can disconnect an institution at any time. Doing so removes the accounts, transactions and holdings that came through it.

5Subscription and payment

Paid plans are billed in advance for the period you choose, and renew automatically at the end of each period until you cancel. Prices are shown before you subscribe and exclude any tax we are required to collect.

• Cancel any time, and cancelling closes the account. Cancelling stops the next renewal and deletes your account: we disconnect your institutions and remove your data. There is no paused state, and no undo. If you come back, you sign up again and reconnect your accounts.
• You can cancel through the app at any point, including while a payment has failed or after a subscription has lapsed. We never require a subscription in order to let you leave.
• Payments are handled by our payment processor. We do not receive or store your card number.
• We may change prices for future periods, and will tell you by email at least 30 days before a change takes effect. Continuing after that date is acceptance of the new price.
• Fees already paid are non-refundable except where the law requires a refund, or where we have failed to provide the Service. If you think you were billed in error, write to us and we will look at it.
• If a payment fails we may suspend the paid parts of the Service until it is settled.

Some parts of the Service may be offered free, in trial, or in beta. We may change or end those at any time.

6Acceptable use

Use the Service for your own finances. Do not:

• access an account, an institution or data that is not yours to access;
• resell the Service, or use it to provide a service to somebody else;
• interfere with it — probing, overloading, circumventing rate limits or authentication, or scraping outside the API and its limits;
• use it to break the law, or in a way that would put us in breach of our own agreements with Plaid or our other providers.

We may set reasonable limits — on requests, on connected institutions, on stored history — and will say what they are.

7Your data stays yours

Your financial data is yours. You give us the permission we need to run the Service for you: to store it, process it, compute over it, and show it back to you. That permission exists so the Service can work, it lasts as long as your account does, and it is not a licence to do anything else with it.

We do not sell your data and we do not use it for advertising. What we collect and who we share it with is set out in the Privacy Policy. You can export your ledger at any time.

8Availability and changes

We will try to keep the Service running and accurate, but we do not promise a level of uptime. It depends on institutions, on Plaid, and on infrastructure we do not own, and any of those can fail.

We may add, change or remove features. If a change materially reduces what you are paying for, we will tell you by email before it takes effect, and you may cancel and receive a pro-rated refund of the unused part of your current period.

9Ending the agreement

You can close your account at any time, from the app or by writing to us. We may suspend or close an account that breaks these terms, that creates a legal or security risk, or that we are required to close — and other than in an emergency we will tell you why first and give you a chance to put it right.

When an account is closed we delete its data on the schedule in the Privacy Policy, and we remove the connections to your institutions. Export anything you want to keep before you close it.

10Disclaimer

To the extent the law allows, the Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that the data it shows is complete or correct. Some jurisdictions do not allow these exclusions, in which case they do not apply to you.

11Limitation of liability

To the extent the law allows, neither party is liable for indirect, incidental, special or consequential damages, or for lost profits, lost opportunities or lost data, arising out of the Service.

Our total liability arising out of or relating to the Service is limited to the greater of the amounts you paid us in the twelve months before the event giving rise to the claim, and one hundred US dollars.

Nothing here limits liability that cannot be limited by law, including for fraud, or for death or personal injury caused by negligence.

12Indemnity

You will defend and indemnify us against third-party claims arising from your use of the Service in breach of these terms or of the law, including connecting an account you were not authorised to connect. We will tell you promptly about any such claim and let you control the defence, and we will not settle it without your consent.

13Changes to these terms

We may update these terms. If a change is material we will email you and post the new version here at least 30 days before it takes effect, and the date at the top will say when it changed. Using the Service after that date is acceptance; if you do not accept, close your account before it and we will refund the unused part of your current period.

14Governing law and disputes

These terms are governed by the laws of the State of New York, United States, without regard to its conflict-of-laws rules, and the parties submit to the state and federal courts located in New York. If you are a consumer somewhere whose law gives you rights that cannot be taken away by contract, this does not take them away.

Before filing anything, write to us at support@meridiancash.io. Most disputes end there, and we would rather fix the problem than argue about it.

15The rest

• These terms and the Privacy Policy are the whole agreement between us about the Service.
• If a provision is unenforceable, the rest stays in force and that provision is narrowed to what is enforceable.
• Not enforcing a right once does not waive it.
• You may not assign this agreement; we may assign it to a successor in a merger, acquisition or sale of assets, on notice to you.
• Notices to you go to the email address on your account. Notices to us go to support@meridiancash.io.