These Terms of Service ("Terms") govern your access to and use of Meridian, including the website, dashboard, and any related services (collectively, the "Service"). The Service is currently operated by Vishesh Puri as an early-stage, unincorporated venture based in Newfoundland and Labrador, Canada ("Meridian", "we", "us", "our"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
Meridian provides AI-assisted research tools for self-directed investors, including company search, filing summaries, portfolio tracking, dividend analysis, tax-context calculators, and related features focused on Canadian (TSX/TSX-V) and U.S. markets.
Meridian is not:
Information provided through the Service — including AI-generated analysis — is for general informational and educational purposes only. Your use of any output to make financial decisions is entirely at your own risk.
Meridian uses third-party large language models (currently Anthropic's Claude, accessed via AWS Bedrock) to generate summaries, analysis, and answers to your questions. AI-generated content:
Quotes, dividend histories, filings, and other market data displayed in the Service are sourced from third parties, including TMX Money, SEDAR+, Twelve Data, and the Bank of Canada Valet API. This data may be delayed, incomplete, or occasionally incorrect. Meridian does not guarantee the accuracy, completeness, or timeliness of any third-party data and is not liable for decisions made based on it.
You must be at least 18 years old and capable of forming a binding contract to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately of any unauthorized use.
Paid subscriptions renew automatically at the then-current price until cancelled. You can cancel at any time from the Billing page in your dashboard; cancellation takes effect at the end of the current billing period. Except where required by law, fees are non-refundable. We may change pricing with at least 30 days' notice to active subscribers before it takes effect on their next renewal.
You agree not to: (a) reverse-engineer, scrape, or resell the Service or its underlying data; (b) use the Service to build a competing product; (c) attempt to circumvent usage limits, rate limits, or paywalls; (d) upload unlawful, infringing, or harmful content; or (e) use the Service in a way that violates applicable securities, tax, or other laws.
Meridian and its licensors own all rights, title, and interest in the Service, including its design, software, and branding. You retain ownership of any portfolio data or inputs you submit, and you grant Meridian a limited license to process that data solely to provide and improve the Service.
The Service relies on infrastructure and processing from providers including Amazon Web Services (hosting, authentication, database, and AI inference), Anthropic (AI model provider via AWS Bedrock), and Stripe (payment processing). Your use of the Service is also subject to the applicable terms of these providers where relevant.
You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you breach these Terms, misuse the Service, or if required by law, with notice where reasonably practicable.
The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure.
To the maximum extent permitted by law, Meridian and its operator will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or investment losses, arising from your use of the Service, even if advised of the possibility of such damages. Our total aggregate liability for any claim relating to the Service will not exceed the greater of (a) CAD $100, or (b) the amount you paid us in the 12 months preceding the claim.
You agree to indemnify and hold Meridian harmless from any claims, damages, or expenses (including reasonable legal fees) arising from your use of the Service or your violation of these Terms.
These Terms are governed by the laws of the Province of Newfoundland and Labrador and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. Any disputes will be subject to the exclusive jurisdiction of the courts of Newfoundland and Labrador.
We may update these Terms from time to time. Material changes will be notified via the Service or by email before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
Questions about these Terms can be sent to vpuri@mun.ca.