Terms of Service

Effective Date: March 1, 2026 | Last Updated: March 1, 2026

These Terms of Service govern your access to and use of the Meridian AI platform. Please read these terms carefully before using our services. By creating an account or using the Platform, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using the Meridian AI platform ("Platform"), you agree to be bound by these Terms of Service ("Terms"). If you are entering into these Terms on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms. If you do not agree to these Terms, you may not access or use the Platform. We reserve the right to modify these Terms at any time. Material changes will be communicated via email or in-platform notification at least 30 days before taking effect. Continued use of the Platform after the effective date of changes constitutes acceptance of the updated Terms.

2. Service Description

Meridian AI is an autonomous agent platform designed for institutional investors, sovereign wealth funds, and cross-border dealmakers operating in international investment corridors. The Platform provides: - Deal pipeline management: sourcing, tracking, and analyzing investment opportunities across multiple corridors. - AI agent orchestration: autonomous AI agents that perform due diligence, regulatory analysis, stakeholder mapping, and document processing. - Regulatory compliance: automated tracking and management of multi-jurisdictional regulatory requirements including CFIUS, MISA, ITAR, PDPL, and others. - Communication tools: integrated messaging and draft generation for stakeholder communications. - Document management: secure document storage, version control, and AI-powered analysis. - Analytics and reporting: pipeline analytics, corridor comparison, and custom reporting. The Platform is provided on a subscription basis. Features and availability may vary by subscription tier. We may modify, enhance, or discontinue features with reasonable notice.

3. User Accounts and Access

To use the Platform, you must create an account and provide accurate, complete registration information. You are responsible for: - Account security: maintaining the confidentiality of your credentials and enabling multi-factor authentication when available. - Authorized use: ensuring that only authorized individuals within your organization access the Platform under your account. - Access management: promptly revoking access for individuals who are no longer authorized, including former employees or contractors. - Notification: notifying us immediately at security@meridian.ai if you suspect unauthorized access to your account. We reserve the right to suspend or terminate accounts that violate these Terms, exhibit suspicious activity, or remain inactive for more than 12 consecutive months.

4. User Obligations

When using the Platform, you agree to: - Use the Platform only for lawful business purposes related to investment analysis, deal management, and related activities. - Comply with all applicable laws and regulations, including export controls, sanctions, anti-bribery, and data protection laws. - Not reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Platform. - Not use automated systems (bots, scrapers) to access the Platform except through our provided APIs. - Not share your account credentials or allow unauthorized third parties to access the Platform. - Not upload content that is unlawful, harmful, threatening, defamatory, or that infringes on intellectual property rights. - Not attempt to circumvent security measures, access controls, or rate limits. - Not use AI-generated outputs from the Platform as the sole basis for investment decisions without independent verification. - Maintain appropriate data backup practices and not rely solely on the Platform for data preservation.

5. Intellectual Property

Our intellectual property: The Platform, including its design, code, algorithms, AI models, documentation, and branding, is owned by Meridian AI and protected by intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable license to use the Platform during the subscription term. Your data: You retain all ownership rights in the data you upload to the Platform ("User Data"). By uploading User Data, you grant Meridian AI a limited license to process, store, and analyze that data solely for the purpose of providing the Platform services to you. AI-generated outputs: Reports, analyses, draft communications, and other content generated by the Platform's AI agents are provided as tools to assist your decision-making. You may use these outputs in the course of your business activities. Meridian AI does not claim ownership of AI-generated outputs produced from your User Data. Feedback: If you provide suggestions, ideas, or feedback about the Platform, you grant Meridian AI a non-exclusive, royalty-free, perpetual license to use that feedback to improve the Platform.

6. Payment and Billing

Access to the Platform requires a paid subscription unless otherwise agreed in writing. Payment terms: - Billing: subscriptions are billed in advance on a monthly or annual basis as specified in your subscription agreement. - Payment methods: payment is accepted via wire transfer, ACH, or credit card as arranged during onboarding. - Late payments: invoices not paid within 30 days of the due date may result in suspension of access until payment is received. - Taxes: fees are exclusive of applicable taxes. You are responsible for all taxes, duties, and levies imposed by your jurisdiction. - Refunds: annual subscriptions may be refunded on a pro-rata basis within the first 30 days. Monthly subscriptions are non-refundable. - Price changes: we will provide at least 60 days' notice before any price increases take effect for existing subscribers.

7. Confidentiality

Both parties agree to maintain the confidentiality of Confidential Information exchanged in connection with the Platform: - Your confidential information: deal data, financial models, stakeholder information, regulatory filings, and communications processed through the Platform. - Our confidential information: Platform architecture, algorithms, pricing, and business strategies. - Exclusions: information that is publicly available, independently developed, rightfully received from third parties, or required to be disclosed by law. - Duration: confidentiality obligations survive termination of these Terms for a period of 5 years. We implement technical and organizational measures to protect your confidential information as described in our Privacy Policy.

8. Disclaimers

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: - Accuracy of AI outputs: AI-generated analyses, recommendations, and drafts are provided for informational purposes and may contain errors. They do not constitute legal, financial, regulatory, or investment advice. - Regulatory guidance: regulatory compliance features are decision-support tools and do not replace professional legal counsel. You are responsible for ensuring compliance with applicable laws. - Continuous availability: while we target 99.9% uptime, we do not guarantee uninterrupted access. Scheduled maintenance and unforeseen outages may occur. - Data completeness: market data, deal intelligence, and regulatory information are sourced from third parties and may not be complete, current, or accurate. You acknowledge that investment decisions involve inherent risk and that the Platform is a tool to assist, not replace, professional judgment.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: - Indirect damages: Meridian AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost revenue, lost data, or business interruption, regardless of the theory of liability. - Cap on liability: our total aggregate liability under these Terms shall not exceed the fees paid by you to Meridian AI during the 12 months preceding the event giving rise to the claim. - Force majeure: neither party shall be liable for delays or failures in performance resulting from circumstances beyond reasonable control, including natural disasters, wars, pandemics, government actions, or infrastructure failures. These limitations apply regardless of whether the damages were foreseeable and whether either party was advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Meridian AI, its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from: - Your use of the Platform in violation of these Terms. - Your violation of any applicable law or regulation. - Your User Data infringing on the intellectual property or other rights of any third party. - Any investment or business decision made using or relying on Platform outputs. We will promptly notify you of any claim subject to indemnification and cooperate in the defense at your expense.

11. Termination

Either party may terminate these Terms: - By you: you may cancel your subscription at any time through the Platform or by contacting support@meridian.ai. Cancellation takes effect at the end of the current billing period. - By us: we may terminate your access immediately if you materially breach these Terms, fail to pay fees for more than 30 days, or engage in activity that threatens the security or integrity of the Platform. - Effect of termination: upon termination, your access to the Platform will cease. You may request export of your User Data within 30 days of termination, after which we may delete it. - Survival: Sections relating to intellectual property, confidentiality, limitation of liability, indemnification, and governing law survive termination.

12. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of laws principles. Any dispute arising from these Terms or your use of the Platform shall first be resolved through good-faith negotiation. If negotiation is unsuccessful within 30 days, the dispute shall be submitted to binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted in English and held in New York, New York. Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

13. General Provisions

- Entire agreement: these Terms, together with the Privacy Policy and any subscription agreement, constitute the entire agreement between you and Meridian AI. - Severability: if any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full force and effect. - Waiver: failure to enforce any provision of these Terms does not constitute a waiver of that provision. - Assignment: you may not assign your rights under these Terms without our prior written consent. We may assign our rights in connection with a merger, acquisition, or sale of assets. - Notices: notices under these Terms shall be sent to the email address associated with your account or to legal@meridian.ai.

14. Contact Information

For questions about these Terms of Service: - General inquiries: support@meridian.ai - Legal matters: legal@meridian.ai - Privacy concerns: privacy@meridian.ai Meridian AI Legal Department