Terms of Service

1. Agreement to These Terms

These Terms of Service ("Terms") form a binding legal agreement between you and Daedalus Data Labs, LLC a limited liability company ("Meridian," "we," "us," or "our"), governing your access to and use of the Meridian mobile application, website, and related services (collectively, the "Service").

By creating an account, checking a box indicating your acceptance, clicking "I agree," or otherwise accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, by the state-specific provisions applicable to your state of residence (the "State-Specific Provisions," which are incorporated into and form part of these Terms), and by our Privacy Policy. If you do not agree, you must not access or use the Service.

You consent to enter into this agreement electronically and to receive all notices, disclosures, and communications electronically, and you agree that your electronic acceptance has the same legal effect as a handwritten signature under the federal E-SIGN Act and applicable state law.

2. Eligibility and Legal Capacity

You may use the Service only if you are at least the age of majority in your state of residence (18 in most states; see the State-Specific Provisions for your state), can form a legally binding contract, and are not barred from using the Service under the laws of the United States or any applicable jurisdiction. The Service is offered solely to residents of the United States.

By using the Service, you represent and warrant that you meet these requirements, that all information you provide is accurate and complete, and that you will keep it accurate and complete. The Service is not directed to children, and we do not knowingly collect information from anyone under 13.

3. Informational Purpose Only — Not Investment, Financial, Tax, or Legal Advice

THE SERVICE IS PROVIDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. Nothing in the Service constitutes, and nothing in the Service should be construed as, investment advice, financial advice, trading advice, tax advice, legal advice, accounting advice, or a recommendation, solicitation, offer, or endorsement to buy, sell, hold, or transact in any security, asset, or financial product.

Meridian is not a registered investment adviser, broker-dealer, financial planner, or fiduciary, and is not registered with or licensed by the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority, or any state securities regulator. The Service publishes impersonal, general-circulation information and tools and does not provide advice that is tailored to any individual's particular financial situation, objectives, risk tolerance, or needs. No advisory, fiduciary, or other special relationship is created between you and Meridian by your use of the Service.

Any scores, grades, factor ratings, signals, screens, simulations, projections, analyses, summaries, or other outputs are generated by automated models from third-party and public data, are inherently uncertain, may be wrong, and must not be relied upon as the basis for any financial decision. You should always conduct your own research and consult a licensed financial, tax, or legal professional before making any investment or financial decision.

4. No Reliance; Assumption of Risk

You understand that investing and trading involve substantial risk, including the possible loss of your entire principal, and that past or hypothetical performance is not indicative of future results. Forward-looking figures, backtests, and Monte Carlo or other simulations are hypothetical, rely on assumptions that may not hold, and do not represent actual results or guarantees of any outcome.

You acknowledge and agree that you are solely responsible for your own investment and financial decisions; that any action you take based on the Service is taken at your own risk and in your sole discretion; and that you assume full and exclusive responsibility for, and all risks associated with, any such decision and its consequences. You agree not to hold Meridian responsible for any trade, decision, gain, or loss arising from your use of the Service.

5. Market Data and Third-Party Content

The Service incorporates data and content from third-party providers and public sources, including (without limitation) Financial Modeling Prep, Finnhub, SEC EDGAR, and your linked brokerage. Such data is provided "as is," may be delayed, incomplete, inaccurate, out of sequence, or unavailable, and is not guaranteed to be real-time, error-free, or fit for any purpose.

We do not create, verify, endorse, or guarantee third-party data and are not responsible or liable for it, for any errors or omissions in it, or for any decision you make in reliance on it. Timing-sensitive features — including economic-release and other notifications — depend on third-party publication and delivery systems we do not control, and we do not warrant that any alert will be delivered, delivered on time, or accurate. Your use of third-party data and services may also be subject to those providers' own terms.

6. Brokerage Connections

If you link a brokerage account, you authorize the Service and its data intermediaries to access your account information on a read-only basis to display your holdings, value, and related analytics. Meridian does not place trades, move money, or take any action in your brokerage account, and is not a party to your relationship with any brokerage. We are not responsible for the acts, omissions, availability, or accuracy of any brokerage or data intermediary. You may disconnect a linked account at any time.

7. Accounts and Security

You are responsible for maintaining the confidentiality of your account and credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use. We are not liable for any loss arising from unauthorized use of your account that does not result from our failure to use reasonable care.

8. Subscriptions, Billing, and Auto-Renewal

Certain features ("Meridian Edge") require a paid subscription. Subscriptions are offered on a recurring, automatically renewing basis and are billed through the Apple App Store (in-app purchase) or through our web payment processor, as applicable. Unless you cancel before the end of the then-current billing period, your subscription will automatically renew, and the applicable payment method will be charged the then-current price for the next period.

You may cancel at any time. For subscriptions purchased through the App Store, manage or cancel in your Apple ID subscription settings; Apple's terms and the platform's cancellation mechanics govern those purchases. For web subscriptions, cancel through the account or billing settings we provide. Cancellation takes effect at the end of the current billing period, and access continues until then.

Except where a refund is required by applicable law (see the State-Specific Provisions) or by the platform's policies, payments are non-refundable and there are no refunds or credits for partial periods. We may change subscription prices and features prospectively; we will provide notice of price changes as required by law, and your continued subscription after a price change takes effect constitutes acceptance of the new price. Additional auto-renewal disclosures and cancellation rights that apply to residents of certain states are set out in the State-Specific Provisions.

9. Acceptable Use

You agree not to: (a) use the Service for any unlawful, fraudulent, or abusive purpose; (b) copy, scrape, crawl, harvest, redistribute, resell, or commercially exploit the Service or its data except as expressly permitted; (c) reverse engineer, decompile, or attempt to derive source code or underlying models, except to the extent this restriction is prohibited by law; (d) interfere with, disrupt, overload, or circumvent any security or rate-limiting of the Service; (e) use any robot, bot, or automated means to access the Service other than as we expressly authorize; (f) misrepresent your identity or your state of residence; or (g) use the Service to provide investment advice or services to third parties. We may suspend or terminate access for any violation.

10. Intellectual Property; Limited License

The Service, including its software, models, scores, text, design, and trademarks, is owned by Daedalus Data Labs, LLC or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial use. All rights not expressly granted are reserved.

If you submit suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free, worldwide license to use them without restriction or compensation.

11. Your Content

You retain ownership of information you submit (such as watchlists, alerts, and inputs). You grant us a non-exclusive, worldwide, royalty-free license to host, store, process, and use that content as necessary to operate and improve the Service. You represent that you have the rights necessary to submit it.

12. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL DATA, CONTENT, AND OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ANY DATA, SCORE, SIGNAL, OR OUTPUT WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR DELIVERED; OR THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR PRODUCE ANY PARTICULAR RESULT. NO ADVICE OR INFORMATION OBTAINED FROM THE SERVICE CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; SEE THE STATE-SPECIFIC PROVISIONS.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL DAEDALUS DATA LABS, LLC, ITS OWNERS, AFFILIATES, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, INVESTMENT LOSSES, TRADING LOSSES, LOST OPPORTUNITIES, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SERVICE, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITATIONS ARE A FUNDAMENTAL BASIS OF THE BARGAIN AND APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD, OR FRAUDULENT MISREPRESENTATION. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; SEE THE STATE-SPECIFIC PROVISIONS.

14. Indemnification

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Daedalus Data Labs, LLC and its owners, affiliates, and licensors from and against any claims, demands, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) any investment, trading, or financial decision you make; (c) your violation of these Terms or applicable law; (d) your content or information; or (e) your violation of any third-party right.

15. Release

To the maximum extent permitted by law, you release Daedalus Data Labs, LLC and its owners, affiliates, and licensors from any and all claims, demands, damages, and liabilities, known or unknown, arising out of or in any way connected with your use of the Service or any decision you make in connection with it. If you are a resident of a state whose law limits general releases of unknown claims, that limitation and any required statutory waiver are addressed in the State-Specific Provisions.

16. Binding Arbitration; Class-Action and Jury-Trial Waiver

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS. You and Meridian agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") will be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except as provided below. The Federal Arbitration Act governs the interpretation and enforcement of this section.

YOU AND MERIDIAN WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. Arbitration will be conducted on an individual basis only; the arbitrator may not consolidate or preside over claims of more than one person.

Exceptions: either party may (a) bring an individual claim in small-claims court if it qualifies, and (b) seek injunctive or equitable relief in court for actual or threatened infringement or misuse of intellectual property. Before initiating arbitration, you agree to first send a written notice of Dispute to the contact address below and to attempt to resolve the Dispute informally for 30 days.

30-Day Opt-Out: you may opt out of this arbitration agreement by sending written notice to the contact address below within 30 days of first accepting these Terms, stating your name and your intent to opt out; opting out will not affect any other provision of these Terms.

Severability and Carve-Outs: if the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court, and the remainder of this section will continue to apply. To the extent the law of your state provides a non-waivable right to seek "public injunctive relief" (for example, under California's McGill rule), nothing in this section waives that right, and any such claim may be brought in court after the arbitration of all arbitrable claims; the remainder of this arbitration agreement remains in force. The State-Specific Provisions control over this section to the extent of any conflict.

17. Governing Law and Venue

These Terms and any Dispute are governed by the laws of the State of California and applicable U.S. federal law, without regard to conflict-of-laws rules, and without limiting the mandatory consumer-protection rights of your home state that cannot be waived by contract. Subject to the arbitration section above, you agree that any claim not subject to arbitration will be brought exclusively in the state or federal courts located in California, and you consent to their personal jurisdiction and venue.

18. Suspension and Termination

We may suspend, restrict, or terminate your access to the Service at any time, with or without notice, including for any violation of these Terms or to protect the Service or other users. You may stop using the Service at any time and may delete your account. Provisions that by their nature should survive termination — including Sections 3–5 and 12–17 — will survive.

19. Changes to the Service and to These Terms

We may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time. If we make a material change, we will provide reasonable notice (for example, in-app or by updating the effective date and version), and where required we will ask you to accept the updated Terms before continuing to use the Service. Your continued use after an update takes effect constitutes acceptance of the updated Terms.

20. General

These Terms, together with the State-Specific Provisions and the Privacy Policy, are the entire agreement between you and us regarding the Service and supersede any prior agreements. If any provision is held unenforceable, it will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for any delay or failure to perform due to causes beyond our reasonable control (force majeure). Headings are for convenience only. You consent to receive communications and notices electronically.

21. Contact

Questions, notices of Dispute, and arbitration opt-out notices may be sent to Daedalus Data Labs, LLC at contact@daedalusdatalabs.com.

State-Specific Provisions

These provisions supplement the Terms above based on your state of residence and form part of the agreement you accept in the app. Select your state to view the provisions that apply to you.