Terms of Service

Effective Date: May 28, 2026 · Last Updated: May 28, 2026 · Version 2.0

These Terms of Service govern your access to and use of the Meridian AI platform and website. Please read carefully. By creating an account or using the Platform, you agree to these Terms.

1. Acceptance of Terms

By accessing or using the Meridian AI platform (the "Platform") or website (the "Site"), 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, and "you" refers to both you personally and your organization. If you do not agree to these Terms, do not access or use the Platform or Site. We may modify these Terms; material changes will be communicated to account holders via email or in-platform notification at least 30 days before taking effect. Continued use after the effective date constitutes acceptance.

2. Service Description

Meridian AI is a software-as-a-service platform for cross-border deal teams operating in the Gulf-US investment corridor. The Platform provides, subject to your subscription tier: - Deal pipeline management: opportunity sourcing, triage, tracking, and analysis - AI agent orchestration: autonomous and supervised AI agents that assist with due diligence, regulatory analysis, stakeholder mapping, and document processing - Regulatory matrices: decision-support tooling for CFIUS, MISA, ITAR/EAR, FCPA, OFAC, GDPR, PDPL, and other frameworks - Communications: integrations with Gmail, Outlook, WhatsApp Business, Twilio SMS, and Slack - Document management: storage, version control, e-signature with hash-chained audit trail - Compliance screening: sanctions, beneficial ownership, adverse media - Cross-border data sources: PitchBook, Crunchbase, SEC EDGAR, Tadawul, ADX, QSE, DIFC, ADGM, QFC, MISA, news feeds in English and Arabic Features and availability may vary by subscription tier. We may modify, enhance, or discontinue features with reasonable advance notice (typically 90 days for material removals).

3. User Accounts and Access

To use the Platform you must create an account with accurate information. You are responsible for: - Credential security: maintaining the confidentiality of your password; enabling multi-factor authentication when available - Authorized use: ensuring only authorized individuals in your organization access the Platform under your account - Access lifecycle: promptly revoking access for individuals no longer authorized (former employees, departed contractors) - Prompt notification: notifying us at security@meridianai.fyi if you suspect unauthorized access We may suspend or terminate accounts that violate these Terms, exhibit suspicious activity, or remain inactive for more than 12 consecutive months. We will provide notice before suspension where reasonable.

4. Acceptable Use

When using the Platform you agree to: - Use the Platform only for lawful business purposes related to investment analysis, deal management, regulatory compliance, and related activities - Comply with all applicable laws and regulations, including export controls (ITAR, EAR), sanctions (OFAC, EU, UN, UK), anti-bribery (FCPA, UK Bribery Act), and data protection laws (GDPR, CCPA, PDPL) - Not reverse engineer, decompile, disassemble, or attempt to derive the source code of the Platform - Not use automated systems (bots, scrapers) to access the Platform except through APIs we provide and document - Not share credentials or allow unauthorized third parties to access the Platform - Not upload content that is unlawful, threatening, defamatory, infringing of intellectual property, or that contains malware - Not attempt to circumvent security measures, access controls, or rate limits - Not use the Platform's AI features to generate content for unlawful purposes (fraud, harassment, disinformation, cyberattack) - Not use the Platform's data outputs as the sole basis for investment decisions without independent verification by qualified professionals - Not extract data from the Platform for the purpose of building a competing product or service - Maintain appropriate data backup practices; we maintain backups for service continuity but you should not rely solely on the Platform for your data preservation

5. AI-Generated Content and Disclaimers

The Platform incorporates AI agents and automated analysis. You acknowledge and agree: - AI outputs are advisory: reports, draft communications, risk assessments, and regulatory matrices generated by the Platform are informational tools to assist your decision-making, not professional advice - Not legal advice: regulatory matrices and CFIUS/ITAR/EAR/FCPA assessments do not constitute legal advice. Consult qualified counsel before filing or taking regulated action - Not investment advice: deal scoring, valuation comparisons, and DD report recommendations do not constitute investment advice. Conduct your own diligence - Not tax advice: tax-related outputs are informational and do not substitute for advice from a qualified tax professional - AI fallibility: AI models can be wrong, biased, or out of date. You are responsible for verifying outputs before acting on them - Third-party AI processors: when you use AI features, your prompts and relevant context are sent to third-party AI processors (Anthropic, OpenAI, Google) under contracts that prohibit them from training their public models on your data. See our Privacy Policy for details. Meridian AI is not liable for losses arising from reliance on AI outputs without independent professional verification.

6. Intellectual Property

Our intellectual property: The Platform, including software, design, AI prompt engineering, documentation, and branding, is owned by Meridian AI and protected by intellectual property law. Your subscription grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform during your subscription term. Your data: You retain all rights in the data you upload to or generate through the Platform ("User Data"). You grant Meridian AI a limited license to host, process, transmit, and display User Data solely to provide the Platform to you. We do not use User Data to train any AI model — yours or any third party's. AI-generated outputs: Reports, drafts, analyses, and other outputs generated by the Platform from your User Data are yours to use in your business. We claim no ownership of AI-generated outputs derived from your User Data, but we retain rights to the underlying Platform and the techniques used to generate the output. Feedback: If you provide suggestions, ideas, or feedback about the Platform, you grant us a non-exclusive, royalty-free, perpetual license to use that feedback to improve the Platform. Aggregated data: We may use aggregated, anonymized data (no personal data, no User Data identifiable to you or your organization) to improve the Platform and produce general industry insights.

7. Subscription 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 cycle as specified in your subscription agreement or pilot order form - Payment methods: Stripe handles payment processing. Accepted methods include credit card, ACH, and wire transfer. Stripe holds your payment instrument details; Meridian AI does not store full card numbers - Pilot terms: pilot subscriptions are paid 100% upfront and include a money-back guarantee if specified time-savings or capability acceptance criteria are not met - Auto-renewal: annual subscriptions renew automatically unless canceled at least 30 days before the renewal date - Late payment: invoices unpaid 30 days after the due date may result in suspension of access. We will provide notice before suspending - Taxes: fees are exclusive of applicable taxes (VAT, sales tax, withholding). You are responsible for taxes imposed by your jurisdiction - Refunds: annual subscriptions are refundable pro-rata within the first 30 days. Monthly subscriptions and pilot fees are non-refundable except under the explicit pilot guarantee terms - Price changes: we will provide at least 60 days notice before any price increase for existing subscribers; current term price is honored through renewal

8. Confidentiality

Each party agrees to maintain the confidentiality of Confidential Information disclosed by the other: - Your Confidential Information: deal data, financial models, stakeholder information, regulatory filings, communications, and any other non-public data you process through the Platform - Our Confidential Information: Platform architecture, source code, AI prompt designs, pricing not publicly listed, security testing results, and roadmap discussions - Exclusions: information that is publicly available through no fault of the receiving party; independently developed without reference to the disclosing party's Confidential Information; rightfully received from third parties without obligation of confidentiality; or required to be disclosed by court order or regulator (with prompt notice to the disclosing party where legally permitted) - Duration: confidentiality obligations survive termination of these Terms for five (5) years We protect your Confidential Information with the technical and organizational measures described in our Privacy Policy.

9. Service Availability

We target high availability for the Platform but do not guarantee uninterrupted service in standard subscriptions. Scheduled maintenance may temporarily reduce availability; we will provide advance notice for planned maintenance windows. Service Level Agreements (SLAs) with specific uptime targets and credits are available under enterprise contracts. Contact sales@meridianai.fyi to discuss. Force majeure (natural disasters, war, pandemics, major infrastructure outages including cloud-provider failures) may cause service interruptions. Neither party is liable for delays or non-performance arising from such events.

10. Disclaimers

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF DATA OR AI OUTPUTS. Without limiting the foregoing: - AI output accuracy: see Section 5 - Third-party data accuracy: market data, deal intelligence, regulatory filings, and sanctions data are sourced from third parties (see Sub-Processors). We do not warrant the completeness, accuracy, or timeliness of such data - Continuous availability: see Section 9 - Integration availability: third-party integration availability depends on the third party (Google, Microsoft, Stripe, etc.). Outages of those providers may affect Meridian functionality Investment decisions involve inherent risk. The Platform assists; it does not replace your judgment, your counsel, or your fiduciary duty.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: - Excluded damages: Meridian AI shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, lost business opportunity, or cost of substitute services, regardless of the theory of liability - Aggregate liability cap: our total aggregate liability arising from or related to these Terms or the Platform shall not exceed the fees you paid to Meridian AI during the 12 months preceding the event giving rise to the claim - Carve-outs: the foregoing limitations do not apply to (a) breach of confidentiality obligations under Section 8, (b) breach of either party's indemnification obligations, or (c) damages arising from gross negligence, willful misconduct, or fraud These limitations apply whether the damages were foreseeable and whether either party was advised of the possibility of such damages.

12. Indemnification

Your indemnification: You agree to indemnify, defend, and hold harmless Meridian AI, its officers, directors, employees, and agents from any third-party claim, damage, loss, liability, or expense (including reasonable attorney fees) arising from: - Your use of the Platform in violation of these Terms or applicable law - Your User Data infringing the intellectual property or other rights of a third party - Any investment, regulatory, or business decision you make using or relying on Platform outputs - Your breach of representations or warranties under these Terms Our indemnification: We will defend you against third-party claims alleging that the Platform (as we provided it to you, excluding modifications by you or User Data) infringes the third party's US patent, copyright, or trademark, and pay damages finally awarded by a court of competent jurisdiction or settlement we agree to, subject to the liability caps in Section 11. Procedure: the indemnifying party must receive prompt written notice of the claim, sole control of defense and settlement (provided no admission of fault is required of the indemnified party), and reasonable cooperation from the indemnified party.

13. Term and Termination

Term: these Terms remain in effect for the duration of your subscription and any active account. Termination by you: cancel at any time via Settings → Billing or by contacting support@meridianai.fyi. Cancellation takes effect at the end of the current billing period. Pilot subscriptions are non-cancelable mid-term except under the explicit guarantee terms. Termination by us: we may terminate or suspend immediately if you materially breach these Terms, fail to pay fees more than 30 days past due (with notice), engage in activity that threatens Platform security or other users, or for fraud. We will provide reasonable notice for non-emergency termination. Effect of termination: your access to the Platform ceases. You may export your User Data within 30 days of termination via the data export tool; after that, we will delete your data on the schedule described in our Privacy Policy. Survival: Sections 5, 6, 8, 10, 11, 12, 14, and 15 survive termination.

14. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws principles. Informal resolution: before initiating formal proceedings, the parties agree to attempt good-faith negotiation for at least 30 days. Arbitration: any unresolved dispute arising from or relating to these Terms or the Platform shall be submitted to binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted in English in New York, New York, by a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction. Equitable relief: notwithstanding the arbitration requirement, either party may seek injunctive or equitable relief in court to protect its intellectual property, Confidential Information, or to enforce post-termination obligations. No class actions: claims must be brought in individual capacity; no class, collective, or representative actions are permitted.

15. General Provisions

- Entire agreement: these Terms, the Privacy Policy, and any executed subscription order or DPA constitute the entire agreement between you and Meridian AI and supersede prior agreements - Severability: if any provision is held invalid or unenforceable, the remaining provisions remain in full force; the invalid provision shall be reformed to the minimum extent necessary to be enforceable - Waiver: failure to enforce a provision does not constitute waiver of that provision - Assignment: you may not assign your rights under these Terms without our prior written consent (consent not unreasonably withheld for assignment to an acquirer in a merger or acquisition with notice). We may assign in connection with a merger, acquisition, or sale of substantially all assets, with notice to you - Notices: notices to you may be sent to the email address on your account or posted in the Platform. Notices to us must be sent to legal@meridianai.fyi - Headings: section headings are for convenience only and do not affect interpretation - Independent contractors: nothing in these Terms creates a partnership, joint venture, agency, fiduciary, or employment relationship

16. Contact

For questions about these Terms: - General: support@meridianai.fyi - Legal notices: legal@meridianai.fyi - Privacy: privacy@meridianai.fyi - Security disclosures: security@meridianai.fyi - Sales and pricing: sales@meridianai.fyi Meridian AI · meridianai.fyi