Terms of Service

Last updated: January 28, 2026

1. Acceptance of Terms

By accessing or using Meridian ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Meridian is a personal finance and budgeting application that helps users track their spending, manage budgets, and organize their financial transactions. The Service may include features such as bank account linking, transaction categorization, and financial reporting.

3. User Accounts

To use the Service, you must create an account. You are responsible for:

  • Providing accurate and complete registration information
  • Maintaining the security of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized access

4. Subscription and Payment

Meridian offers subscription-based access to the Service. By subscribing, you agree to:

  • Pay the applicable subscription fees
  • Provide accurate billing information
  • Authorize recurring charges to your payment method

Subscriptions automatically renew unless cancelled before the renewal date. You may cancel your subscription at any time through your account settings.

5. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with the proper operation of the Service
  • Share your account credentials with others
  • Use automated means to access the Service without permission

6. Our Data Promise

We will NEVER sell your data. This is a fundamental commitment, not a marketing claim.

Your financial information is yours. We are custodians, not owners. Our business model is straightforward: you pay for the service, and we provide excellent budgeting tools. We don't monetize your data through advertising, partnerships, or data brokerage.

Our pricing is intentionally affordable because our mission is to help people achieve better financial health. We succeed when you succeed—not by exploiting the data you've trusted us with.

7. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. You retain full ownership of any data you provide to the Service.

8. Financial Information Disclaimer

Meridian is a budgeting tool and does not provide financial, tax, legal, or investment advice. The information displayed in the Service is for informational purposes only. You are solely responsible for your financial decisions. We recommend consulting with qualified professionals for financial advice.

9. Service Availability

We strive to maintain reliable service but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We reserve the right to modify, suspend, or discontinue features at any time.

10. Limitation of Liability

To the maximum extent permitted by law, Meridian and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, resulting from your use of the Service.

11. Termination

We may terminate or suspend your account at any time for violations of these Terms. Upon termination, your right to use the Service ceases immediately. You may export your data before termination using the export feature in your account settings.

12. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the Service. Continued use of the Service after changes constitutes acceptance of the new Terms.

13. Contact

If you have questions about these Terms, please contact us at contact@meridianmoney.app