Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you”, “your”, or “Client”) and Meridian Pulse (“we”, “us”, or “our”) governing your access to and use of the Meridian Pulse platform, website, and related services (collectively, the “Service”).

By creating an account or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use the Service.

If you are using the Service on behalf of a business or organisation, you represent that you have the authority to bind that entity to these Terms.

Meridian Pulse is an AI-powered business intelligence platform designed for small and medium businesses (SMBs / SMEs). The Service:

• Connects to your third-party business tools (accounting, CRM, and commerce platforms) via secure OAuth integrations
• Analyses your business data using artificial intelligence to compute metrics, detect anomalies, and generate insights
• Provides a dashboard, health score, alerts, and reports to help you make informed business decisions
• Delivers weekly digest emails and real-time notifications based on your preferences

The Service is provided as a tool to support your decision-making. It does not constitute financial advice, accounting advice, or professional consulting. You are responsible for all business decisions made using insights from the Service.

To use the Service, you must:

• Create an account with accurate and complete information
• Be at least 18 years of age
• Maintain the security of your account credentials
• Notify us promptly of any unauthorised access to your account

You are responsible for all activity that occurs under your account. We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe have been compromised.

You retain full ownership of your data. By using the Service, you grant us a limited, non-exclusive licence to access, process, and store your data solely for the purpose of providing the Service to you.

This licence allows us to:

• Retrieve data from your connected third-party platforms
• Process and analyse your data to compute metrics and generate insights
• Store your data securely for the duration of your subscription
• Generate anonymised, aggregated benchmarks that do not identify your business

This licence terminates when your account is deleted. We do not claim ownership of your data, and we do not use your data to train AI models.

The Service, including its design, code, algorithms, documentation, branding, and all related intellectual property, is owned by Meridian Pulse and protected by applicable intellectual property laws.

Your subscription grants you a limited, non-exclusive, non-transferable right to access and use the Service for your internal business purposes. You may not:

• Copy, modify, or create derivative works of the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Resell, sublicence, or provide access to the Service to third parties
• Use the Service to build a competing product or service
• Remove or alter any proprietary notices or branding

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party rights
• Upload or transmit malicious code, viruses, or harmful content
• Attempt to gain unauthorised access to the Service, other accounts, or related systems
• Interfere with or disrupt the integrity or performance of the Service
• Use automated tools to scrape, crawl, or extract data from the Service beyond the provided API
• Misrepresent your identity or affiliation

We reserve the right to suspend or terminate accounts that violate these terms, with notice where reasonably practicable.

The Service connects to third-party platforms (such as Xero, QuickBooks, Shopify, HubSpot, and others) to retrieve your business data. By connecting these platforms:

• You authorise us to access data from those platforms on your behalf
• You confirm that you have the right to share that data with us
• You acknowledge that the availability and accuracy of third-party data is subject to those platforms' own terms and performance

We are not responsible for the availability, accuracy, or security of third-party platforms. You should review the terms and privacy policies of any platform you connect.

Certain subscription plans include access to the Meridian Pulse API. If you use the API, you agree to:

• Use the API only for purposes consistent with these Terms
• Respect rate limits and usage guidelines as documented
• Keep API credentials secure and not share them with unauthorised parties
• Not use the API to build a service that competes with Meridian Pulse

We reserve the right to modify, throttle, or revoke API access if usage violates these Terms or negatively impacts the Service.

The Service is provided on an “as is” and “as available” basis. While we strive to provide accurate, reliable insights, we make no warranties or representations, express or implied, regarding:

• The accuracy, completeness, or reliability of any insights, metrics, or recommendations generated by the Service
• Uninterrupted or error-free operation of the Service
• The suitability of the Service for any particular business purpose

The Service is a decision-support tool, not a substitute for professional financial, legal, or accounting advice. You should consult qualified professionals for specific business, financial, or legal decisions.

To the maximum extent permitted by applicable law, Meridian Pulse and its officers, directors, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your reliance on insights or recommendations provided by the Service
• Damages arising from third-party platform outages, data inaccuracies, or integration failures

Our total aggregate liability for any claims arising from or related to the Service shall not exceed the total amount you paid to us in the twelve (12) months preceding the claim.

You agree to indemnify and hold harmless Meridian Pulse and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Data you provide or make available through the Service

We strive to maintain high availability of the Service but do not guarantee uninterrupted access. We may:

• Perform scheduled maintenance with reasonable advance notice
• Modify, update, or improve the Service to enhance functionality and security
• Temporarily suspend the Service in the event of security incidents or emergency maintenance

We will make reasonable efforts to notify you of any planned downtime or significant changes to the Service.

By you: You may terminate your account at any time by cancelling your subscription through your account settings or by contacting us. Your access continues until the end of the current billing period.

By us: We may suspend or terminate your account if you materially breach these Terms, engage in prohibited conduct, or fail to pay subscription fees. We will provide reasonable notice where practicable.

Effect of termination: Upon termination, your right to use the Service ceases. Your data remains accessible for 30 days, after which it is permanently deleted. You may request a data export before deletion.

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms or the Service shall first be addressed through good-faith negotiation. If a resolution cannot be reached within 30 days, either party may pursue binding arbitration in accordance with the rules of the American Arbitration Association (AAA), conducted in English.

Nothing in this section prevents either party from seeking injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property rights or prevent irreparable harm.

We may update these Terms from time to time. When we make material changes:

• We will notify you by email at least 30 days before the changes take effect
• We will post the updated Terms on this page with a new “Last updated” date
• Continued use of the Service after the effective date constitutes acceptance of the updated Terms
• If you do not agree with the changes, you may cancel your subscription before the effective date

Entire agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Meridian Pulse regarding the Service.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force and effect.

Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations with notice to you.

Force majeure: Neither party shall be liable for delays or failures in performance resulting from circumstances beyond reasonable control, including natural disasters, acts of government, internet outages, or third-party service failures.

If you have questions about these Terms or need assistance, please contact us: