Terms of Service

Thirteenth Draft for Counsel Review — Not for Public Release
Effective Date: [Effective Date]

These Terms of Service (the “Terms”) are a binding agreement between you and [Legal Entity Name and Type], organized under the laws of the State of Colorado and doing business as Meridian (“Meridian,” “we,” “us,” or “our”). These Terms govern your access to and use of the Meridian websites, applications, mobile services, emails, messages, alerts, communities, data tools, and other products or services that link to these Terms (collectively, the “Service”).

In these Terms, the “Meridian Parties” means Meridian, its parents, subsidiaries, and affiliates, and each of their respective officers, directors, managers, employees, contractors, and Content contributors.

By accessing or using the Service, creating an account, purchasing or accepting access, or selecting an acceptance control when presented, you agree to these Terms. If you do not agree, do not use the Service, create an account, or purchase access.

Each account is assigned to one identified natural person (the “Account User”). Unless an organization is expressly identified as the subscriber or customer in an applicable checkout, order form, or other written agreement, “you” means each individual who accepts these Terms or accesses or uses the Service, including the Account User. An individual’s use of the Service in that individual’s work for an organization, and an organization’s payment for or reimbursement of an account, do not by themselves make the organization a party to these Terms, grant the organization any license, or grant access or use rights to anyone other than the Account User. If an organization is expressly identified as the subscriber or customer, “you” means the organization and the Account User. The individual accepting these Terms or another applicable agreement on the organization’s behalf represents that the individual has authority to bind it, but does not become a party in an individual capacity solely by acting as its authorized representative unless that individual is also the Account User. The organization is responsible for the Account User’s acts and omissions under the applicable agreement.

1. The Meridian Service

1.1 Financial research and information

Meridian provides a financial research, information, and publishing service. Materials made available through the Service may include articles, Notes, research, commentary, interviews, audio or video, charts, market data, asset pages, watchlists, screeners, models, signals, performance displays, track-record displays, community discussions, and other materials (collectively, “Content”).

Some Content may be public. Other Content or features may require an account, a free plan, a paid plan, or another access right offered by Meridian (each, a “Plan”). Features and access may vary by Plan, device, operating system, location, and applicable law.

1.2 Optional features

These Terms apply to optional features wherever they are enabled, including alerts, push notifications, text messages, community functions, user submissions, interactive tools, downloads, application programming interfaces, experimental features, and third-party integrations. The inclusion of a clause addressing a feature does not promise that the feature is currently available or will become available.

Meridian may present additional terms, disclosures, methodologies, or rules for a particular Plan or feature. Those additional terms supplement these Terms. Feature-specific financial disclosures supplement, and do not reduce, the protections and risk disclosures in these Terms.

1.3 No service-level commitment

The Service is provided without a service-level agreement, uptime commitment, minimum Content volume, or commitment to cover or continue covering any asset, issuer, instrument, market, strategy, methodology, or topic.

2. Eligibility, Accounts, and Access

2.1 Eligibility

Each individual who accepts these Terms or accesses or uses the Service, including the Account User, may do so only if that individual:

• has legal capacity to enter into these Terms;
• is at least 18 years old;
• may lawfully access and use the Service where that individual is located; and
• is not prohibited from using the Service under Section 18.

If the law where an individual lives requires a higher age to enter into these Terms, that individual must satisfy the higher age requirement. If “you” includes an organization, the organization also represents that it has legal capacity and authority to enter into these Terms and that its access to and use of the Service are lawful where it is organized and wherever the Service is accessed or used on its behalf.

2.2 Account information

You must provide accurate, current, and complete information and keep it updated. You may not impersonate another person or entity, use an account name you have no right to use, or misrepresent your identity, location, qualifications, employment, affiliation, or authority.

Each account must be registered to and used only by its Account User. You may not register or use a shared, group, role-based, departmental, or other generic account or login; sell, transfer, lend, share, or disclose account credentials; or permit another person to access or use the account. The Account User is responsible for safeguarding the credentials and for all activity under the account. Any organization included in “you” is responsible for ensuring the Account User’s compliance with these Terms and for the Account User’s acts and omissions under the applicable agreement.

An account does not transfer or become available to another person because the Account User changes roles, leaves an organization, or ceases to use it. Any reassignment requires Meridian’s prior written approval. If you believe that an account or its credentials have been compromised, notify Meridian promptly at [Account Security Contact].

Meridian may require email or phone verification, multi-factor authentication, identity or payment verification, or other reasonable measures to protect the Service, enforce access limits, prevent fraud, and comply with law.

2.3 Refusal and account controls

Subject to applicable law, Meridian may refuse registration or access where reasonably necessary to prevent fraud or abuse, protect the Service or others, enforce these Terms, comply with legal obligations, or address a prior suspension or termination. Suspension and termination are governed by Section 14.

3. Plans, Purchases, and Subscriptions

3.1 Plan access

The signup page, checkout page, or purchase confirmation will identify the Plan, included access, price, billing currency, billing interval, and term. Access is limited to what is expressly included in the applicable Plan.

Meridian may offer free email access, free account access, paid subscriptions, fixed-term access, one-time purchases, events, or promotional access. Using an email unsubscribe link changes email delivery only and does not cancel a paid subscription. Cancelling a paid subscription does not necessarily unsubscribe you from separate free or optional emails.

3.2 Automatically renewing subscriptions

If an offer is expressly identified as automatically renewing, it will renew at the disclosed interval until you cancel. Before obtaining your billing authorization, Meridian will disclose the recurring nature of the Plan, the amount or method for determining the amount, billing frequency, applicable promotional pricing terms, and how to cancel.

By completing checkout, you authorize Meridian or the payment processor identified at checkout to charge the payment method on file as disclosed, including applicable taxes. Meridian will provide purchase confirmations and renewal, price-change, or other notices where required by law.

You may cancel an automatically renewing subscription using the method shown in your account, checkout disclosure, or purchase confirmation. Cancellation stops future renewals but does not reverse a charge already incurred, except where required by law or expressly stated in the applicable offer or refund policy.

3.3 Fixed-term and one-time access

An offer expressly identified as fixed-term or one-time does not renew and expires at the end of its stated access period. The checkout disclosure controls whether an offer renews automatically or is fixed-term.

3.4 Prices, taxes, and price changes

Prices, billing currencies, and applicable taxes will be displayed before purchase. You are responsible for taxes that apply to your purchase, except taxes imposed on Meridian’s net income. Meridian or its payment processor may calculate and collect taxes where required.

Meridian may change prices prospectively after giving any notice required by law. A price change will not alter a prepaid period unless the applicable offer or law expressly permits it. If a price change applies to a renewing subscription, the new price will apply no earlier than the next renewal after any required notice.

3.5 Payment processing

Payments may be processed by third parties identified at checkout. Their terms and privacy notices apply to their processing of your payment information. Meridian does not receive or retain a full payment-card number where the payment processor handles it directly.

You must use a valid payment method that you are authorized to use. You must keep billing and contact information current. If a payment fails, Meridian or its processor may retry the payment as disclosed, request an updated payment method, limit paid access, or end the paid subscription, subject to applicable law and any stated grace period. You remain responsible for valid charges incurred before cancellation or termination.

If you believe a charge is incorrect, contact [Support Email] promptly. Nothing in these Terms limits a right to dispute a charge that cannot lawfully be limited.

3.6 Promotions, referrals, and credits

Discounts, coupons, referrals, credits, and promotional access or pricing are governed by the terms presented with the offer. They may be subject to eligibility requirements, expiration dates, usage limits, and restrictions on combination, transfer, or repeated use. Unless an offer expressly states otherwise, promotional value has no cash value, is not transferable, and will not be refunded as cash.

Meridian may deny or end promotional access, withhold or revoke a credit, or disqualify a referral where it reasonably believes the applicable offer was obtained or used through fraud, duplicate accounts, mistake, manipulation, or other abuse.

3.7 Refunds and prorations

Refunds, credits, cooling-off rights, and prorations are governed by the refund policy presented with the applicable offer, available at [Refund Policy URL], and by applicable law.

3.8 Purchases through an app store or other reseller

If you purchase through an app store or other authorized reseller, that third party may be the merchant of record. Its billing, cancellation, refund, and payment terms may apply in addition to these Terms. You may need to manage the purchase through that third party. Meridian is not responsible for a third party’s billing system, but this does not limit rights you have under applicable law.

If you download a Meridian application from an app store, the app-store provider is not a party to these Terms and is not responsible for operating or supporting the Service, except to the extent its own terms expressly provide otherwise. For an application obtained through Apple’s App Store, Apple and its subsidiaries are intended third-party beneficiaries of this paragraph and may enforce it; Apple has no maintenance, support, warranty, product-liability, intellectual-property, or regulatory responsibility for the application except to the extent required by Apple’s applicable terms or law. Google Play and other app-store terms apply in the same manner to the extent stated by the relevant provider. Any additional mandatory app-store terms presented with the application are incorporated for that distribution channel.

4. License and Intellectual Property

4.1 Limited license

Subject to these Terms and, where applicable, payment of applicable fees, Meridian grants a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license during the permitted access period to access and use the Service and Content made available through the applicable Plan or other access right. For access through an account, the license is exercisable solely by the Account User. For access that does not require an account, the license is exercisable solely by the natural person who directly accesses or receives the Service or Content; a shared or group address, link, feed, or distribution method does not create rights for multiple users.

Each such individual may use the Service and Content solely for that individual’s personal use or own work and internal analysis. If an organization is included in “you,” the individual may use the Service and Content in that individual’s own work for the organization, but no organization-wide, group, shared, concurrent, or multi-user right is granted.

No other use is permitted. No ownership right is transferred to you.

4.2 Meridian rights

Meridian and the relevant rights holders retain all right, title, and interest in and to the Service and Content, including text, research, data compilations, charts, graphics, photographs, audio, video, software, interfaces, designs, models, calculations, trademarks, service marks, and the selection and arrangement of materials. Rights not expressly granted are reserved.

4.3 Permitted sharing

You may share a Meridian-provided public link or use a sharing feature as designed. The Account User or other individual licensee under Section 4.1 may make a limited copy or download only where the Service expressly enables it and only for that individual’s permitted use under these Terms.

You may not, without Meridian’s prior written permission:

• provide, forward, transmit, distribute, display, or otherwise make subscriber-only Content available to any other person, including a coworker, employee, contractor, affiliate, client, or customer;
• share credentials or allow another person to access or use an account;
• place or retain subscriber-only Content in a shared drive, database, repository, knowledge-management system, messaging channel, or other location accessible to another person;
• copy or republish a substantial part of the Service or Content;
• sell, license, sublicense, rent, lease, or commercially exploit the Service or Content;
• remove or alter any copyright, trademark, source, confidentiality, or rights notice;
• create a substitute research service, archive, feed, dataset, index, model, or database from the Service or Content;
• provide subscriber-only Content, or any copy, substantial extract, compilation, or summary that serves as a substitute for access to it, as part of a report, product, service, advice, or other deliverable for another person; or
• use the Service or Content to create or support a product or service that substitutes for a material part of the Service.

These restrictions apply within an organization as well as outside it. An organization’s payment for or reimbursement of access does not authorize internal circulation or shared storage of subscriber-only Content. These restrictions apply except to the limited extent applicable law expressly gives you a right that cannot be waived.

Any permitted copy, download, or sharing must remain complete and unaltered and retain all applicable source, rights, methodology, risk, conflict, and other notices. Without Meridian’s prior written permission, you may not provide restricted Content to the press or public; incorporate it into advertising, marketing, or a third-party product; or distribute any altered, incomplete, misleading, or out-of-context version. Meridian is not responsible for any copy, extract, screenshot, summary, translation, transcript, recording, or other version of Content that is altered, incomplete, stale, taken out of context, or redistributed outside the Service.

4.4 Trademarks

Meridian names, logos, trade dress, domain names, and service marks may not be used without Meridian’s prior written permission. You may not imply that Meridian sponsors, endorses, or is affiliated with you or any product or service unless Meridian has expressly agreed in writing.

4.5 Feedback

If you provide suggestions, enhancement requests, ideas, or other feedback concerning the Service, you grant Meridian a worldwide, perpetual, irrevocable, transferable, sublicensable, and royalty-free right to use, reproduce, modify, distribute, and incorporate that feedback without restriction or compensation. This clause does not transfer ownership of User Content as defined in Section 8.

4.6 Copyright complaints

If you believe material on the Service infringes your copyright, send a notice to [Legal Email and Legal Notice Address] that includes sufficient information to identify the protected work and the allegedly infringing material, your contact information, a good-faith statement, an accuracy and authority statement, and your physical or electronic signature.

Meridian may remove or restrict access to material alleged to infringe and may terminate repeat infringers where appropriate. Any jurisdiction-specific statutory notice-and-takedown procedure identified on the Service also applies.

5. Financial Content and Related Risks

5.1 Definition and scope of Financial Content

“Financial Content” means any Content concerning a security, commodity, derivative, futures or options contract, foreign exchange product, digital asset, fund, index, rate, yield, credit, issuer, economy, market, strategy, transaction, portfolio, or other financial or investment matter. Financial Content includes research, commentary, opinions, ratings, data, quotes, charts, models, scores, forecasts, scenarios, valuations, targets, stops, watchlists, signals, trade ideas, and any displayed or described position, direction, entry, exit, addition, reduction, closing, reversal, hedge, allocation, transaction history, return, performance, or track record. It also includes comparable financial features that Meridian may make available in the future. The inclusion of a feature in this definition does not represent that the feature is currently available.

5.2 General and impersonal information; no advisory relationship

Financial Content is general and impersonal information for an audience. It is not tailored to your holdings, financial condition, investment objectives, experience, liquidity needs, tax position, legal status, or risk tolerance. Meridian does not determine whether any Content, instrument, transaction, or strategy is suitable or appropriate for you.

Financial Content is not individualized investment advice and is not legal, tax, or accounting advice. It is not an offering document, audit, due-diligence report, or complete statement of all facts or risks that may be relevant to you. It may be condensed, selective, based on limited sources, and may omit facts, risks, assumptions, or developments that could be material to you.

Accessing, receiving, purchasing, or subscribing to the Service or Financial Content does not create an investment-adviser, fiduciary, broker, dealer, commodity-trading-adviser, portfolio-manager, agent, representative, or other advisory or agency relationship between you and a Meridian Party. Financial Content is not a substitute for your own investment, legal, tax, accounting, due-diligence, or risk analysis and must not be relied on as the sole basis for any decision or obligation.

5.3 No offer, solicitation, or recommendation

Nothing in the Service or Financial Content constitutes an offer to sell, a solicitation of an offer to buy, or a personal recommendation to enter into, refrain from, modify, or exit any transaction, instrument, or strategy. It does not represent that any instrument, transaction, or strategy is available, lawful, suitable, or appropriate for you or in your jurisdiction.

Meridian is a financial research, information, and publishing service. Meridian is not registered or licensed as an investment adviser, broker or dealer, commodity trading adviser, portfolio manager, exchange, trading venue, or custodian.

5.4 Views, forecasts, labels, and trade-related content

Financial Content reflects views, information, assumptions, and market conditions as of the applicable date or time. Meridian’s views, forecasts, ratings, targets, estimates, and judgments may change as new information becomes available. Meridian may update, correct, replace, restrict, suspend, withdraw, archive, or discontinue Financial Content, a methodology, or coverage at any time and has no continuing duty to update, reaffirm, reconcile, replace, or republish older Content. The absence of an update does not mean that an earlier view remains current.

Different items of Financial Content may express different or opposing views, use different time horizons, assumptions, benchmarks, data, or methodologies, and reach different conclusions. Meridian is not required to reconcile them into a single current view. A short-term view may conflict with a longer-term view. An assumption used as an input to a company, asset, valuation, or scenario model is not, by itself, a separate forecast or other trade-related view concerning that input.

Any rating, stance, score, target, stop, directional term, benchmark comparison, or status label has only the definition, methodology, reference value, currency, time horizon, and status stated in or linked from the applicable Financial Content. Similar labels may have different meanings across assets, methodologies, or providers and must not be read in isolation. A target, stop, forecast, estimate, valuation, or scenario is not a fact, appraisal, firm quote, executable price, or promise that the stated event or level will occur or be reached.

Unless the applicable display or methodology expressly provides an active, expiration, amendment, rebalance, or closure convention, a trade idea, position, or other directional view is a time-stamped research view under the market conditions existing when published. It may have a short relevant horizon and does not create an ongoing duty for Meridian to monitor, repeat, reaffirm, update, withdraw, rebalance, close out, or issue a target or stop. A later or contrary item of Content does not retrospectively amend an earlier item.

Financial Content may include forward-looking statements. They are based on assumptions and information available when made and are subject to risks and uncertainties. Actual events and results may differ materially, and no forward-looking statement guarantees what will occur.

5.5 Your decisions, risks, and legal restrictions

You independently decide whether and how to use Financial Content and whether, when, where, at what price, in what size, and through whom to transact. You bear all risk arising from those decisions and should conduct independent research, use independent sources, and consult appropriately licensed professionals. No Meridian Party promises or guarantees that you will earn a profit, avoid or limit a loss, obtain income or yield, or achieve any other result.

Financial Content may discuss selected risks or scenarios and does not identify every direct, indirect, material, or jurisdiction-specific risk. The omission or relative prominence of a risk does not mean that it is immaterial or unlikely. You should not invest or trade money you cannot afford to lose.

Some Content, instruments, assets, strategies, transactions, venues, or methods of trading may be unavailable, restricted, or unlawful in your location or for a person with your status. You are solely responsible for determining and complying with all laws, rules, restrictions, professional duties, and third-party terms that apply to you.

5.6 No brokerage, execution, custody, account control, or copy trading

The Service does not execute trades for you, accept or transmit your orders, hold or safeguard your assets, exercise discretion over your portfolio, connect to or control your brokerage, exchange, wallet, or other financial account, operate a trading venue, or automatically place, mirror, or copy trades. Any position, transaction, order, allocation, portfolio, or Performance shown or described through the Service is hypothetical, simulated, or model-based Financial Content. It does not represent, and need not correspond to, trading, holdings, or results in any actual account.

Any transaction occurs through a third party you select and is governed by that party’s terms. Meridian is not responsible for that party’s eligibility rules, order handling, execution, custody, margin, pricing, outages, fees, security, solvency, settlement, or conduct.

5.7 Displayed prices and actual execution

Any price, rate, yield, spread, level, valuation, size, timestamp, target, stop, entry, exit, or other value displayed, recorded, calculated, or referenced in Financial Content may be indicative, modeled, estimated, historical, delayed, composite, closing, settlement, evaluated, or derived. It is not a firm bid, offer, or quote as to price or size and is not evidence that any transaction was executed.

No Meridian Party guarantees that you or any other person could have obtained, or will obtain, the same or a better execution result. Actual availability and execution can differ by asset and instrument, market and trading venue, broker or counterparty, order type and time-in-force, order size, liquidity, spread, market impact, queue position, latency, volatility, trading halt or limit, and market session, including regular, pre-market, after-hours, overnight, auction, or other sessions. An order may be rejected, delayed, partially filled, filled at multiple prices, or not filled at all.

Unless expressly identified otherwise, a stated time may refer to creation, approval, publication, dissemination, receipt, processing, calculation, source-data time, or display and may use a different time zone from the market concerned. A quoted value may reflect an earlier session or close and need not be the latest available value.

5.8 Notifications

Where enabled, Meridian may provide alerts, emails, push notifications, text messages, or other notifications concerning Financial Content. Notifications are provided for convenience only, are not trade instructions, and may be delayed, incomplete, duplicated, or not delivered. You should not rely on a notification for time-sensitive action.

5.9 Hypothetical, simulated, and model-based Performance

For purposes of these Terms, “Performance” includes every return, gain, loss, result, performance figure, track record, compounded result, model-portfolio result, backtest, or similar display that the Service currently presents as the performance or result of a trade idea, position, strategy, model, portfolio, basket, or other Meridian methodology. All such Performance is hypothetical, simulated, or model-based. It does not represent trading in a funded account, the performance of an actual customer or Meridian account, an audited record, or results achieved by any user. A label such as live, active, forward, tracked, or real-time, if used, describes only the timing or operation of the applicable methodology and does not convert Performance into actual-account performance.

Hypothetical, simulated, backtested, and model-based results have inherent limitations and do not represent or guarantee future results. They may benefit from or be affected by hindsight, selection, survivorship, look-ahead, optimization, data-mining, sampling, assumption, and modeling bias. No representation is made that any account will or is likely to achieve results similar to any Performance.

Actual trading differs materially from simulated or model-based calculations. Actual results are affected by matters including slippage, commissions and other fees, bid-ask spreads, liquidity, order size, market impact, volatility, latency, execution delay, taxes, financing, interest, borrow cost, margin, currency conversion, corporate actions, contract rolls, position limits, partial fills, rejected orders, and the inability to enter or exit. Actual participants are also subject to capital, allocation, leverage, risk-management, behavioral, operational, and other constraints that a model may not reflect.

Any compounded, cumulative, indexed, or otherwise aggregated Performance display is a mathematical calculation based on Meridian’s methodology and assumptions. It does not represent portfolio performance and may not reflect position sizing, capital allocation, notional exposure, instrument multipliers, overlapping positions, cash flows, leverage, or capital constraints.

Meridian determines the methodology, assumptions, inclusion and exclusion rules, reference values, time conventions, data sources, adjustments, and other inputs used to calculate and display Performance. Different reasonable methods, assumptions, or data sources may produce materially different results. A methodology or explanatory display, if provided, forms part of the applicable Financial Content but does not eliminate model or data risk.

Meridian may correct errors, change a methodology or assumption, replace a data source, and recalculate, restate, suppress, remove, or otherwise adjust displayed Performance. Except where applicable law requires otherwise, Meridian has no obligation to preserve or display an original result, prior calculation, version history, change timestamp, or reason for a correction or methodological change.

5.10 Market and instrument risk

Investing and trading can result in partial or total loss and, for some instruments or strategies, losses exceeding the amount initially paid. Risks may include volatility, leverage, liquidity, gap risk, concentration, correlation, model error, counterparty or issuer failure, custody loss, cybersecurity events, fraud, operational failure, legal or regulatory change, taxation, market closure, and the inability to enter, exit, value, transfer, hedge, or settle a position.

Short sales, options, futures, swaps, foreign exchange, leveraged or inverse products, structured products, private or illiquid assets, and digital assets involve additional risks and may be unavailable to certain persons or in certain jurisdictions. You are responsible for understanding an instrument, its terms, and its maximum possible loss before acting.

5.11 Conflicts, positions, trading, and compensation

Meridian Parties may directly or indirectly hold, acquire, dispose of, or otherwise transact in an issuer, asset, instrument, or related instrument discussed in Financial Content. They may hold long, short, opposite-direction, derivative, synthetic, or hedging positions and may buy, sell, close, reverse, or hedge a position before or after Financial Content is prepared, published, updated, or withdrawn. A Meridian Party’s trading or position need not align with any Financial Content or another Meridian Party’s position or view.

Meridian may receive subscription, advertising, sponsorship, referral, affiliate, event, research, data, service, or other revenue or compensation. Conflicts may arise from those arrangements, from Meridian Parties’ holdings or trading, from personal, employment, or business relationships, or from fees, expenses, access, or other benefits paid or received.

Any conflict disclosure displayed with particular Financial Content reflects information available at the stated time and may later become outdated. Except where applicable law requires disclosure, Meridian Parties have no obligation to disclose each holding, transaction, transaction time, quantity, subsequent position change, compensation arrangement, or relationship.

5.12 Market descriptions, specialized labels, and examples

Descriptions of positioning, flows, crowding, sentiment, exposure, holdings, activity, or market views may be based on samples, estimates, models, surveys, selected sources, or Meridian’s interpretation. They may not represent the entire market, any particular market segment, or a consensus of market participants and must not be treated as verified statements of actual positions or transactions.

Where enabled, testimonials, case studies, user statements, sample scenarios, or examples describe particular experiences or illustrations. They are not promises, guarantees, or representations that another person will achieve the same or a typical result.

5.13 Financial Content claims and disputes

Every claim or dispute arising out of or relating to Financial Content, including its use, non-use, availability, accuracy, delivery, methodology, or alleged effect on a decision or result, is governed by these Terms, including Sections 15 through 17 and the dispute-resolution provisions in Section 20.

6. Market Data and Third-Party Information

6.1 Sources, quality, and availability

Quotes, prices, rates, yields, spreads, volumes, sizes, exchange status, corporate actions, identifiers, fundamentals, estimates, charts, news, filings, reference data, and other market or financial information may come from exchanges, vendors, issuers, surveys, public records, automated systems, or other third-party sources. Data, prices, and third-party materials may be delayed, indicative, stale, incomplete, omitted, duplicated, unavailable, incorrectly mapped, mistranslated, or erroneous; they may later be adjusted or restated; and sources may conflict.

No Meridian Party guarantees the accuracy, completeness, timeliness, sequence, continuity, availability, or fitness for a particular purpose of any such information. Meridian may not independently verify it and may correct, replace, recalculate, suppress, or remove it. Meridian may select, change, replace, suspend, or discontinue any third-party source at any time and has no obligation to continue using or make available a particular source.

6.2 Currency conversions and cross-market comparisons

If Meridian calculates or displays a value, target, result, market capitalization, or comparison in or by reference to a currency different from that of the underlying instrument or source data, Meridian may use an indicative exchange rate from a different date, time, or source, and the displayed result may be rounded. A displayed conversion does not represent an available exchange rate or actual conversion proceeds, and exchange-rate movements may materially affect the result. Comparisons involving depositary receipts, cross-listed instruments, or other cross-market or currency-linked instruments may also be affected by fees, share or conversion ratios, market hours, timing, liquidity, and basis differences.

6.3 Third-party views and attributed materials

Third-party forecasts, consensus estimates, ratings, scores, classifications, survey results, statements, issuer or management materials, and similar materials may consist of opinions, estimates, compilations, or assertions. Meridian does not guarantee or necessarily independently verify them, and their inclusion does not mean that Meridian has adopted, endorsed, or agreed with them. Material attributed to a third party may reflect Meridian’s selection, summary, translation, or interpretation and may not have been reviewed or endorsed by the source.

A consensus, survey, sample, or other compilation may be incomplete or unrepresentative and may combine contributors or inputs drawn from different dates, periods, currencies, accounting standards, methodologies, or definitions.

6.4 Indices, benchmarks, and calculated displays

References to an index or benchmark are for comparison or methodology purposes. An index generally cannot be invested in directly, and an index or benchmark comparison may not reflect fees, trading costs, taxes, liquidity constraints, or other factors affecting an investment. Constituents, calculations, currencies, and methodologies may change, and the selection of a benchmark may materially affect a comparison. The appearance of a provider’s data, name, or index does not mean that the provider sponsors, endorses, or guarantees Meridian, the Service, or any Financial Content.

Any Meridian-created basket, score, index, benchmark, or other calculated display is a methodology-based informational output and may depend on assumptions, classifications, weights, inputs, and adjustments determined by Meridian. It does not itself represent a fund, actual account, net asset value, transaction price, or independently investable product.

6.5 Provider rights and additional terms

Certain information may be subject to rights notices, attribution requirements, use restrictions, disclaimers, or other terms imposed by a provider. Your access to and use of that information is also subject to any such terms presented with or linked from it. Except as expressly permitted by Meridian and the applicable provider or by applicable law, no right is granted to extract, reproduce, redistribute, sublicense, sell, publish, make available, remove attribution from, or use provider information to create or support a separate product, service, feed, index, model, or database for redistribution or commercial exploitation.

7. Third-Party Services

The Service may link to, display, or interoperate with third-party websites, applications, payment systems, identity services, app stores, telecommunications carriers, email providers, social networks, analytics services, data vendors, or other services.

Meridian does not own or control those services. Their terms, privacy notices, fees, eligibility rules, availability, and practices apply to your use of them. A link, integration, mention, or display does not by itself constitute Meridian’s endorsement or verification.

Your dealings with a third party are between you and that third party. Meridian is not responsible for third-party content, products, services, transactions, security, availability, accuracy, or conduct. You should review the applicable third-party terms before using a third-party service.

7.1 Advertising, sponsorships, and affiliate links

Where enabled, the Service may display advertising, sponsored Content, paid placements, affiliate links, referral offers, or third-party promotions. Those materials may be selected or paid for by a third party and will be identified if applicable law requires identification. Their display does not make them suitable for you or constitute Meridian’s guarantee of the advertiser, product, service, instrument, or claim. A third party may apply separate terms and may collect information as described in the Privacy Policy and its own notice.

7.2 Third-party speakers and events

Where enabled, Meridian may host, record, publish, or summarize an interview, webinar, conference, or other event involving a third-party speaker. The speaker’s statements and opinions remain the speaker’s own and may be incomplete, promotional, affected by undisclosed interests, or unverified. Hosting, recording, editing, transcribing, translating, summarizing, or distributing an event does not constitute Meridian’s endorsement. Applicable participation, recording, sponsorship, and privacy terms will be disclosed with the event.

8. User Content and Interactive Features

8.1 When this section applies

Where enabled, the Service may allow you to submit, upload, post, transmit, store, display, or share comments, messages, profiles, images, files, links, feedback, watchlists, or other material (“User Content”). This section applies whenever you provide User Content.

8.2 Your ownership and license to Meridian

As between you and Meridian, you retain ownership of your original User Content. You grant Meridian a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to host, store, reproduce, format, adapt, translate, transmit, distribute, display, perform, and otherwise use your User Content as reasonably necessary to:

• operate, secure, maintain, and improve the Service;
• make the User Content available according to the settings and functions you select;
• moderate, investigate, and enforce these Terms;
• comply with law and valid legal process;
• identify or promote the Service using User Content that you have made public, subject to applicable law;
• analyze public User Content and generate aggregated or de-identified analytics.

This license continues for as long as reasonably necessary for those purposes. If you delete User Content, Meridian may retain copies in backups, logs, legal records, or prior distributions where deletion is not reasonably practicable or where retention is permitted or required by law.

8.3 Your promises concerning User Content

You represent and warrant that:

• you own or have all rights and permissions needed to provide the User Content and grant the license above;
• the User Content and Meridian’s permitted use of it do not infringe or violate another person’s intellectual-property, privacy, publicity, confidentiality, contractual, or other rights;
• the User Content is not knowingly false, fraudulent, unlawfully misleading, or defamatory;
• you have made any disclosure required for a paid endorsement, sponsorship, referral, promotion, or material financial interest; and
• providing the User Content does not breach a legal, professional, employment, fiduciary, or confidentiality duty.

8.4 Prohibited User Content and conduct

You may not use an interactive feature to:

• provide unlawful investment services, solicit an unlawful transaction, or conduct an unregistered offering;
• manipulate or attempt to manipulate a market or the Service;
• coordinate deceptive trading activity or create a false appearance of market interest, performance, demand, or consensus;
• make a false claim about a trade, holding, return, qualification, identity, sponsorship, endorsement, or affiliation;
• provide material nonpublic information, unlawfully obtained information, trade secrets, or confidential information disclosed in breach of a duty;
• harass, threaten, exploit, defraud, discriminate against, or unlawfully target another person;
• post malware, spam, unauthorized advertising, chain messages, or deceptive links;
• expose another person’s personal information without a lawful basis and appropriate permission; or
• provide material that is obscene, hateful, violent, infringing, or otherwise unlawful.

8.5 Moderation, removal, and no endorsement

Meridian may, but is not required to, monitor, review, screen, preserve, remove, edit, restrict, label, or disable access to User Content. Meridian may restrict or end access to an interactive feature if it reasonably believes these Terms have been violated or action is needed to protect the Service or others.

Meridian does not endorse User Content and does not guarantee its identity, accuracy, completeness, legality, quality, or usefulness. User Content reflects the responsibility of the person who provides it. You may encounter User Content that is inaccurate, offensive, objectionable, or harmful. Use it at your own risk.

Access to community or interactive features, where enabled, is a revocable part of the Service and is not guaranteed as part of any Plan unless Meridian expressly states otherwise.

8.6 Public areas

User Content submitted to a public or shared area may be visible to other users, search engines, and third parties. Do not submit information you do not want others to see or use. Privacy controls, where available, reduce but do not eliminate the risk of copying or further disclosure.

To report User Content or conduct, contact [Support Email] or use the reporting feature, where available.

9. Acceptable Use

You must not, and must not help another person to:

• violate law, another person’s rights, these Terms, or feature-specific rules;
• access the Service if you are not eligible or after your access has been suspended or terminated;
• access Content beyond your Plan or bypass a paywall, geographic restriction, rate limit, access control, or security measure;
• share credentials or make subscriber-only Content available to another person;
• copy, scrape, crawl, harvest, archive, monitor, index, republish, sell, sublicense, distribute, or systematically extract the Service or Content, except as expressly permitted by Meridian or applicable law;
• use automated means to obtain Content, build or enrich a dataset, train or improve a model, or conduct systematic commercial analysis without Meridian’s prior written permission;
• reverse engineer, decompile, disassemble, discover source code, or derive underlying structure, ideas, models, or algorithms, except to the limited extent a restriction is prohibited by law;
• probe, scan, test, disrupt, overload, disable, impair, or circumvent the Service or introduce malware or harmful code;
• use bots, scripts, or multiple accounts to manipulate engagement, access, rankings, promotions, referrals, credits, or community activity;
• impersonate another person, misrepresent affiliation or authority, or submit false account, payment, identity, or eligibility information;
• collect or expose another person’s personal information without authorization;
• spam, phish, defraud, harass, threaten, or engage in unlawful discrimination;
• use the Service or Content for market manipulation, deceptive promotion, false performance claims, or another unlawful financial purpose;
• represent that Meridian provides personalized advice, executes or verifies trades, or guarantees results;
• represent that Meridian endorses your product or service without Meridian’s express written agreement; or
• use the Service to develop, market, or provide a product or service that substitutes for a material part of the Service without Meridian’s written permission.

Standard search-engine indexing of public pages may be permitted to the extent it follows Meridian’s technical instructions and does not index restricted Content. Meridian may use technical, contractual, and legal measures to investigate and prevent prohibited use.

Where Meridian expressly enables access through an application programming interface, developer tool, data export, or similar machine-access feature, you may use that feature only with credentials issued to you, for the purposes permitted by your Plan and the applicable documentation or additional terms. You must comply with stated authentication, attribution, caching, storage, security, and rate-limit requirements. You may not share access keys, evade usage limits, combine access across accounts to avoid restrictions, re-identify de-identified information, or redistribute data beyond the rights expressly granted. Meridian may rotate credentials or restrict machine access where reasonably necessary for security, licensing, capacity, or compliance.

10. Communications

10.1 Electronic records and notices

You agree that Meridian may provide agreements, confirmations, receipts, disclosures, and service notices electronically through email, the Service, or another channel associated with your account. You are responsible for keeping your contact information current and for configuring your device and email service to receive communications.

You may retain electronic copies for your records and may request a paper copy through [Support Email] if applicable law requires Meridian to provide one.

10.2 Optional and transactional communications

You may manage optional Content emails and marketing messages through available preference or unsubscribe tools. Even if you opt out of marketing, Meridian may send transactional, security, legal, billing, subscription-administration, and other non-marketing messages.

Unsubscribing from an email list does not cancel a paid subscription. Cancelling a paid subscription does not necessarily remove you from a separate free email list.

10.3 Push notifications and text messages

Where enabled, you may choose to receive push notifications or text messages. You may disable push notifications through your device settings. Text-message frequency may vary, and carrier message and data rates may apply.

Any text-message enrollment disclosure will identify the sender, supported countries, expected frequency, opt-out and help instructions, and any applicable carrier terms. Consent to optional marketing texts is not a condition of purchase.

Delivery of alerts and notifications concerning Financial Content is subject to the limitations in Section 5.8.

11. Privacy

Meridian’s Privacy Policy, available at [Privacy Policy URL], describes how Meridian collects, uses, discloses, and otherwise processes personal information. The Privacy Policy is a notice, not a blanket waiver or consent to processing for which applicable law requires a separate choice.

Your use of third-party services is also subject to their privacy notices. User Content may be visible to others as described in Section 8.

12. Service Availability, Changes, and Corrections

12.1 Availability and changes

Meridian may add, modify, replace, limit, suspend, or discontinue Content, Plans, or features. Meridian may impose or change usage limits and may restrict availability by device, location, or user category where reasonably necessary for legal, security, operational, licensing, or commercial reasons.

The Service may experience maintenance, latency, errors, outages, security events, or other interruptions. Meridian does not guarantee uninterrupted or error-free operation or continued coverage of any asset, issuer, instrument, market, strategy, methodology, or topic.

Meridian may correct errors, inaccuracies, omissions, pricing information, data, calculations, or descriptions. If Meridian materially discontinues prepaid access, any remaining access, credit, or refund will be handled under the applicable offer, refund policy, and law.

Meridian may mark Content as corrected, replaced, withdrawn, expired, or archived. A correction, status change, or other update may be reflected in one or more locations or channels and not others. Earlier, incomplete, or inconsistent versions may remain accessible through the Service, emails, notifications, downloads, caches, third-party copies, or other means. Meridian does not guarantee that any particular location or channel contains the latest, complete, or error-free version of Content. You are responsible for independently evaluating and confirming information before relying on it.

12.2 Beta and experimental features

Where enabled, beta, preview, test, or experimental features may be incomplete, changed, or withdrawn at any time. They may be subject to additional terms and are provided without a commitment that they will become generally available.

12.3 AI-assisted features

Meridian may use artificial intelligence, machine learning, or other automated tools to assist in preparing, translating, transcribing, summarizing, classifying, searching, ranking, moderating, generating, or analyzing Content. Automated and AI-assisted material may be inaccurate, incomplete, misleading, non-unique, or out of date. Human selection, review, editing, or approval, if used, does not eliminate those risks or convert third-party output into independently verified information.

Where enabled, Meridian may also offer user-facing features that use those technologies. You must independently evaluate every output before relying on it and must not treat an output as individualized financial, legal, tax, accounting, or other professional advice, an instruction to transact, or a guaranteed result.

You may provide only inputs, files, or instructions that you have the right to use and disclose. Do not submit brokerage credentials, full payment-card details, material nonpublic information, unlawful content, or confidential information through the Service. The applicable feature notice and Privacy Policy govern external providers and data handling. Additional provider terms may apply.

13. Your Responsibility

You are responsible for:

• obtaining and maintaining devices, software, connectivity, security, and third-party accounts needed to use the Service;
• evaluating Content and User Content;
• protecting your accounts, systems, and information;
• complying with laws, professional duties, employer policies, and third-party terms that apply to you;
• determining whether an instrument or transaction is lawful, available, suitable, and appropriate for you; and
• all decisions and actions you take or do not take.

14. Suspension and Termination

14.1 Your rights

You may stop using the Service at any time. You may cancel an automatically renewing subscription as described in Section 3.2. You may request account deletion using [Account Deletion Method], subject to retention permitted or required by law and as described in the Privacy Policy.

14.2 Meridian’s rights

Meridian may suspend, limit, or terminate all or part of your access if it reasonably believes:

• you have materially or repeatedly violated these Terms or feature-specific rules;
• account, payment, identity, or eligibility information is false, fraudulent, or materially incomplete;
• valid fees remain unpaid after any required notice or cure period;
• your conduct creates legal, regulatory, security, operational, or reputational risk;
• your account has been compromised or is being used without permission;
• action is required by law, legal process, a regulator, an app store, a payment processor, a data provider, or another relevant third party; or
• immediate action is needed to prevent harm, fraud, abuse, manipulation, unauthorized access, or disruption.

Except where applicable law requires otherwise, Meridian may take action under this Section immediately and without prior or subsequent notice, explanation, warning, opportunity to cure, or appeal. Meridian may, in its discretion, provide any such notice or opportunity and determine its form, timing, and conditions, including any conditions for restoring access. Providing notice, a cure opportunity, an appeal, or restored access in one instance does not require Meridian to provide it in any other instance.

Meridian may also end a Plan or the Service for business reasons. Treatment of prepaid fees will be governed by Section 3.7, the applicable offer, refund policy, and law.

14.3 Effect of termination

When your access ends:

• the license in Section 4 ends;
• you must stop using restricted Service and Content;
• unpaid amounts validly incurred before termination remain due;
• Meridian may retain information as described in the Privacy Policy and Section 8.2; and
• provisions that by their nature should survive will survive.

Surviving provisions include accrued payment obligations, intellectual-property and use restrictions, financial-risk provisions, User Content licenses to the extent stated, warranty disclaimers, liability limitations, indemnification, dispute provisions, and miscellaneous terms.

15. Disclaimers of Warranties

THE SERVICE, FINANCIAL CONTENT, OTHER CONTENT, USER CONTENT, DATA, COMMUNICATIONS, AND ALL RELATED FEATURES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS.

THE Meridian PARTIES DISCLAIM ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, AVAILABILITY, SECURITY, QUIET ENJOYMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

NO Meridian PARTY WARRANTS THAT:

• THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS;
• FINANCIAL CONTENT, OTHER CONTENT, USER CONTENT, OR DATA WILL BE ACCURATE, COMPLETE, CURRENT, CONTINUOUSLY AVAILABLE, OR SUITABLE FOR ANY PURPOSE;
• A NOTIFICATION OR COMMUNICATION WILL BE DELIVERED, COMPLETE, OR DELIVERED ON TIME;
• A DISPLAYED OR REFERENCED PRICE, SIZE, INSTRUMENT, MARKET, TRANSACTION, OR RESULT WILL BE AVAILABLE OR OBTAINABLE;
• AN ERROR, OMISSION, OR DEFECT WILL BE IDENTIFIED OR CORRECTED;
• THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; OR
• ANY VIEW, STRATEGY, SIGNAL, MODEL, FORECAST, TARGET, STOP, RATING, SCORE, SCENARIO, OR PERFORMANCE WILL BE ACCURATE OR PRODUCE ANY PARTICULAR RESULT.

16. Limitation of Liability

16.1 Excluded losses and damages

THE Meridian PARTIES WILL NOT BE LIABLE FOR ANY INVESTMENT, TRADING, MARKET, PORTFOLIO, FINANCING, TAX, OR OTHER FINANCIAL LOSS ARISING FROM OR RELATING TO ACCESS TO, USE OF, INABILITY TO USE, ACTION TAKEN OR NOT TAKEN IN RESPONSE TO, OR RELIANCE OR ALLEGED RELIANCE ON FINANCIAL CONTENT.

THE Meridian PARTIES ALSO WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL LOSS OR DAMAGES; LOSS OF CAPITAL, PROFITS, REVENUE, INCOME, SAVINGS, BUSINESS, CONTRACTS, OPPORTUNITY, USE, DATA, GOODWILL, OR REPUTATION; COST OF SUBSTITUTE OR ADDITIONAL SERVICES, DATA, TRANSACTIONS, FINANCING, HEDGES, OR OTHER ACTIONS; OR LOSS ARISING FROM AN ERROR, OMISSION, INTERRUPTION, DELAY, SECURITY EVENT, NOTIFICATION, PRICE, DATA SOURCE, THIRD-PARTY SERVICE, MODEL, SIGNAL, FORECAST, OR FORWARD-LOOKING STATEMENT.

THE EXCLUSIONS IN THIS SECTION APPLY REGARDLESS OF THE FORM OF ACTION OR LEGAL THEORY, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR OTHERWISE, EVEN IF A Meridian PARTY WAS ADVISED OF OR COULD HAVE FORESEEN THE POSSIBILITY OF THE LOSS AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

16.2 Aggregate liability cap

THE TOTAL AGGREGATE LIABILITY OF ALL Meridian PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE, CONTENT, DATA, OR THESE TERMS WILL NOT EXCEED THE TOTAL FEES ACTUALLY PAID BY YOU TO Meridian DURING THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

16.3 Allocation of risk

THE DISCLAIMERS, EXCLUSIONS, AND CAP IN SECTIONS 15 AND 16 ARE FUNDAMENTAL ELEMENTS OF THE AGREEMENT BETWEEN YOU AND Meridian, APPLY TOGETHER AND CUMULATIVELY, AND WILL APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

16.4 Applicable-law limit

SECTIONS 15 AND 16 APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. IF A DISCLAIMER, EXCLUSION, OR CAP CANNOT LAWFULLY BE APPLIED AS WRITTEN, IT WILL BE LIMITED ONLY TO THE MINIMUM EXTENT NECESSARY, AND THE REMAINDER WILL CONTINUE TO APPLY.

17. Indemnification

You will defend, indemnify, and hold harmless the Meridian Parties from and against all claims, demands, causes of action, investigations, inquiries, audits, proceedings, liabilities, losses, damages, judgments, settlements, fines, penalties, costs, and expenses, including reasonable attorneys’ fees and costs of investigation, defense, settlement, and enforcement, arising out of or relating to:

• your unlawful, fraudulent, unauthorized, or otherwise improper access to or use of the Service, Content, or data;
• your breach or alleged breach of these Terms, feature-specific terms, or provider terms;
• your User Content or any information, instruction, representation, or material you provide;
• your infringement, misappropriation, or violation of a third party’s intellectual-property, privacy, publicity, confidentiality, contractual, statutory, or other rights;
• your violation of applicable law or the rights of another person; or
• access to or use of your account by a person you authorize, permit, or enable.

These obligations apply to third-party and governmental claims, investigations, and proceedings. Meridian may control the defense and settlement with counsel of its choice, and you will provide reasonable cooperation and information. You may not settle a matter in a manner that admits fault by, imposes an obligation on, or fails to provide a complete release to a Meridian Party without Meridian’s prior written consent.

18. Export Controls, Sanctions, and Geographic Restrictions

You must comply with applicable export-control, import, economic-sanctions, anti-boycott, and anti-terrorism laws and regulations.

You represent that you are not:

• located, ordinarily resident, or organized in a country or territory where access to the Service is prohibited by applicable sanctions or export laws;
• identified on, owned or controlled by, or acting for a person identified on an applicable restricted-party list; or
• accessing or using the Service for a prohibited end use or on behalf of a prohibited person.

You may not export, re-export, transfer, provide, or use the Service, Content, software, or technology in violation of applicable law. Meridian may screen transactions and may block, restrict, or terminate access where reasonably necessary to comply with law.

19. Changes to These Terms

Meridian may update these Terms prospectively. Meridian will post the revised Terms, update the effective date, and provide additional notice where a change materially affects your rights or an active paid subscription or where law requires notice or consent.

Unless law requires otherwise, revised Terms will take effect on the date stated in the notice. Changes will not retroactively alter rights or obligations that arose before the effective date. If you do not agree to revised Terms, you must stop using the affected Service and cancel future renewals before they occur.

20. Governing Law and Disputes

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. EXCEPT FOR THE LIMITED EXCEPTIONS BELOW, YOU AND Meridian AGREE TO RESOLVE CLAIMS THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION, NOT IN COURT, AND WAIVE THE RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THIS SECTION ALSO LIMITS THE TIME TO BRING CLAIMS.

20.1 Governing law and mandatory rights

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Colorado, without regard to its conflict-of-laws principles, except that the Federal Arbitration Act, 9 U.S.C. §§ 1–16, governs the interpretation and enforcement of the agreement to arbitrate and the conduct of any arbitration under this Section 20.

Nothing in these Terms waives any right, remedy, protection, forum, or limitation period under applicable law that cannot lawfully be waived by agreement. If mandatory law applicable to you conflicts with this Section 20, that law controls only to the extent of the conflict.

20.2 Informal resolution

Before commencing arbitration or a court proceeding seeking relief on the merits of a Claim, the party asserting the Claim must give the other party written notice reasonably sufficient to identify the claimant, the relevant account or access, the factual and legal basis of the Claim, and the relief requested. Notices to Meridian must be sent to [Legal Email] or [Legal Notice Address]. Meridian may send a notice to the email address or other contact information associated with your account or access.

This notice requirement and the 30-day waiting period do not apply to an individual small-claims action, a request for interim relief permitted by Section 20.4, or a proceeding to confirm, enforce, modify, or vacate an arbitration award. For any other Claim, the parties will use good-faith efforts to resolve it for 30 days after the notice is received, and neither party may commence arbitration or litigation during that period. Any applicable filing deadline, including the period in Section 20.5, is tolled from the receiving party’s receipt of the notice until the later of the end of that 30-day period or any written extension agreed by the parties.

20.3 Binding individual arbitration

Except as provided in Section 20.4, any dispute, claim, or controversy between you and Meridian or any Meridian Party arising out of or relating to these Terms, the Service, Financial Content, any subscription, purchase, billing matter, communication, or relationship with Meridian, or the interpretation, breach, termination, validity, or enforcement of these Terms, whether based in contract, statute, regulation, tort, fraud, misrepresentation, equity, or any other legal theory and whether arising before or after termination of your account or use of the Service, is a “Claim” and will be resolved by final and binding individual arbitration.

The arbitration will be administered by the American Arbitration Association (“AAA”). The AAA’s Consumer Arbitration Rules and Mediation Procedures then in effect will apply only if the AAA determines that the Claim is a consumer dispute under those rules (a “Consumer Claim”). The AAA’s Commercial Arbitration Rules and Mediation Procedures then in effect will apply to any other Claim (a “Commercial Claim”). Where applicable as determined by the AAA, its Mass Arbitration Supplementary Rules will supplement the underlying rules that apply to the Claim.

There will be one neutral arbitrator. The legal seat and place of arbitration will be Denver, Colorado, but this designation does not require any party to attend an in-person hearing in Denver. To the extent permitted by the applicable rules, proceedings will be conducted on written submissions, by telephone, or by videoconference, and any hearing will be virtual by default unless the parties agree otherwise or the arbitrator determines that an in-person hearing is appropriate. An in-person hearing for a Consumer Claim must be held at a location reasonably convenient for the consumer. An in-person hearing for a Commercial Claim will be held in Denver, Colorado, unless the parties agree otherwise or the arbitrator determines that another location is required by applicable law or is appropriate under the applicable rules.

The arbitrator may award any remedy available under applicable law on an individual basis and will issue a reasoned written decision. Judgment on the award may be entered, and the award may be confirmed or enforced, in any court having jurisdiction. For a Consumer Claim, you will not be required to pay more in arbitration fees than the amount assigned to an individual consumer under the applicable AAA rules and fee schedule, subject to any available waiver, and Meridian will pay all other arbitration administration and arbitrator fees that the AAA rules or applicable law require Meridian to pay. For a Commercial Claim, arbitration fees and costs will be allocated under the applicable AAA Commercial Arbitration Rules, fee schedule, and applicable law. Each party will bear its own attorneys’ fees and costs unless applicable law or the award permits otherwise.

The parties will keep the arbitration and materials submitted in it confidential except to the extent reasonably necessary to conduct the arbitration, enforce or challenge an award, comply with law or legal process, or obtain professional advice.

The arbitrator will decide questions concerning the scope, interpretation, applicability, and enforceability of this Section 20, except that a court will decide whether an agreement to arbitrate was formed and whether the Individual Proceedings requirement in Section 20.4 is enforceable.

If the AAA is genuinely unavailable or unwilling to administer a Claim for reasons other than Meridian’s failure to comply with AAA requirements or pay required fees, the parties will attempt in good faith to select a substitute administrator applying procedures substantially similar to the AAA rules that otherwise would have applied to the Claim. If they do not agree within 30 days, either party may ask a court of competent jurisdiction to appoint an arbitrator under 9 U.S.C. § 5, and the arbitration will proceed using the corresponding AAA rules as closely as practicable. If the AAA declines or terminates administration because Meridian failed to comply with its requirements or pay required fees, you may elect to proceed in court, and Meridian may not compel the use of a substitute administrator unless you agree after the Claim has arisen.

Meridian Parties are intended third-party beneficiaries of this Section 20 and may enforce it with respect to Claims asserted against them.

20.4 Limited exceptions, individual proceedings, and court forum

Small Claims. Either party may bring an individual Claim in a small-claims court having jurisdiction, so long as the Claim remains individual and within that court’s authority. If the Claim is transferred, removed, or appealed to a court of general jurisdiction, either party may require that it be arbitrated under Section 20.3.

Interim Relief. Either party may seek a temporary restraining order or preliminary injunction from any court of competent jurisdiction solely to prevent imminent unauthorized access to or misuse of the Service, a material threat to system security, misuse of confidential information, or infringement or misappropriation of intellectual-property rights pending final resolution of the underlying Claim. Seeking that limited relief does not waive arbitration where arbitration applies. The underlying Claim and any request for permanent relief remain subject to Section 20.3 unless the Claim is otherwise not subject to arbitration.

Individual Proceedings. You and Meridian agree that each may assert Claims only in an individual capacity and not as a plaintiff, claimant, or class member in any purported class, collective, consolidated, private-attorney-general, or representative proceeding. No arbitrator or arbitration administrator may combine or resolve the Claims of different users together or award relief for anyone other than the individual party seeking relief. Administrative coordination under the AAA Mass Arbitration Supplementary Rules does not merge individual Claims or authorize class, collective, consolidated, or representative relief. Under no circumstances may class or representative arbitration proceed without Meridian’s express written consent given after the relevant Claim has arisen.

If a final, nonappealable decision holds that this Individual Proceedings requirement is unenforceable as to a particular Claim or request for relief, that Claim or request—and only that Claim or request—will be severed and may proceed in court, while all remaining Claims remain subject to arbitration. To the extent permitted by law, the court proceeding will be stayed until the arbitration is completed. If applicable law does not permit that limited severance, the agreement to arbitrate will not apply to the affected proceeding, but the proceeding will not be conducted as a class or representative arbitration.

Court Forum. Except for an individual small-claims action, a permitted request for interim relief, or a proceeding concerning an arbitration award, any Claim that is not subject to arbitration must be brought exclusively in the state courts located in the City and County of Denver, Colorado, or, if federal subject-matter jurisdiction exists, the United States District Court for the District of Colorado. Each party consents to the personal jurisdiction and venue of those courts and waives any objection based on inconvenient forum, subject to any mandatory law that cannot be waived. This forum provision also applies to judicial proceedings concerning the formation, interpretation, or enforcement of this Section 20. A proceeding to confirm, enforce, modify, or vacate an arbitration award may be brought in any court having jurisdiction.

20.5 Time to bring claims

To the fullest extent permitted by applicable law, any Claim by either party must be commenced within two years after the Claim accrued or the party asserting it could reasonably have discovered the facts giving rise to it, whichever is later. If applicable law does not permit that period to be shortened, the shortest limitation period permitted by that law will apply. This contractual period does not apply to a Claim to collect unpaid amounts, enforce an indemnification obligation, or obtain relief for fraud, unauthorized access or use, or infringement or misappropriation of intellectual-property or confidential-information rights. The period is tolled during the informal-resolution process as provided in Section 20.2.

21. Miscellaneous

21.1 Entire agreement and order of precedence

These Terms, applicable checkout disclosures, and feature-specific terms constitute the agreement concerning the Service. They supersede prior or contemporaneous statements about their subject matter.

If documents conflict, the following order applies solely to the conflict:

1. feature-specific terms expressly stated to override these Terms;
2. the checkout disclosure for billing terms;
3. these Terms.

The Privacy Policy is the separate notice described in Section 11 and does not override these Terms.

21.2 Assignment

You may not assign or transfer these Terms, an account, or a right under them without Meridian’s prior written consent. Meridian may assign these Terms in connection with a merger, reorganization, financing, change of control, sale of assets, or transfer of all or part of the Service, subject to applicable law.

21.3 Force majeure

Meridian is not responsible for delay or failure caused by events beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, labor disputes, government action, utility or telecommunications failure, internet or cloud-service failure, exchange or market closure, data-provider failure, cyberattack, epidemic, or pandemic. This clause does not excuse payment obligations already incurred or an obligation that cannot lawfully be disclaimed.

21.4 No agency or third-party beneficiary

These Terms do not create a partnership, joint venture, employment, agency, fiduciary, franchise, or representative relationship between you and Meridian. You have no authority to bind Meridian. Except for the Meridian Parties entitled to protection or enforcement rights under Sections 15 through 17 or Section 20 and an app-store provider identified in Section 3.8, these Terms do not create third-party beneficiary rights.

21.5 Severability

If a provision is held invalid or unenforceable, it will be limited or modified to the minimum extent necessary to make it enforceable where permitted, and the remaining provisions will remain in effect. Any special severability rule stated in the final dispute clause controls for that clause.

21.6 Waiver

Failure to enforce a provision is not a waiver. A waiver must be in writing and applies only to the specific instance for which it is given.

21.7 Notices

Meridian may give notices through the Service, by email, or through another contact channel associated with your account. A notice is effective when sent or posted, unless applicable law requires otherwise. Formal legal notices to Meridian must be sent to the contact in Section 22 and any specific address stated in Section 20.2.

21.8 Headings and interpretation

Headings are for convenience only. “Including” means “including without limitation.” Singular terms include the plural where the context permits. A reference to law includes amendments and successor provisions.

21.9 Language

Translations, captions, transcripts, and summaries may be produced by people or automated tools and may contain omissions, ambiguities, formatting changes, or numerical errors. Unless Meridian expressly identifies another version as controlling or applicable law requires otherwise, the English-language version controls. A translation does not expand the permitted audience, distribution rights, or legal availability of the underlying Service or Content.

21.10 Regional and product terms

Meridian may provide jurisdiction-specific or product-specific addenda where required by law or for a particular region, Plan, or feature. Those addenda apply only to the identified users, regions, Plans, or features and supplement these Terms. They do not reduce a mandatory right that applies to you.

22. Contact

Questions about the Service or these Terms may be sent to:

[Legal Entity Name]
[Registered or Principal Business Address]
[Legal Notice Address, if different]
Support: [Support Email]
Legal notices: [Legal Email]
Account security: [Account Security Contact]