Terms of Use

Meridian is a personal financial management tool designed to help individuals and households track income, spending, loans, and goals. It is built for personal use and is not a licensed financial adviser, credit provider, or registered financial service.

Nothing in Meridian constitutes financial, investment, legal, or tax advice. Numbers, projections, and summaries are illustrative only. Always consult a qualified professional before making significant financial decisions.

You must be at least 18 years old and a resident of Australia to use Meridian. By using the app, you represent that you meet these requirements.

• You are responsible for keeping your login credentials and data passphrase secure. We cannot recover your data passphrase — if it is lost, encrypted fields cannot be decrypted.
• You must not share your account with anyone outside your household.
• You must not use Meridian for any unlawful purpose.
• You are responsible for the accuracy of the data you enter.

All financial data you enter remains yours. We do not claim ownership of it. By using the app, you grant us permission to store and process it for the sole purpose of providing the service to you.

See our Privacy Policy for full details on how your data is stored, protected, and handled.

Meridian offers a free Essentials tier and paid plans (Household and Premium). Paid plans are billed monthly or annually through Stripe.

• Cancellation — you may cancel at any time. Your paid access continues until the end of the current billing period, after which your account reverts to the Essentials tier. No partial refunds are issued for unused time.
• Price changes — we will give at least 30 days' notice before changing the price of an existing plan.
• Refunds — refund requests are considered case-by-case. Contact us within 7 days of a charge if you believe an error occurred.

You agree not to:

• Attempt to reverse engineer, scrape, or exploit the application or its API.
• Upload malicious files or attempt to compromise the security of the platform.
• Use the app in any way that violates Australian law.

We reserve the right to suspend or terminate accounts that violate these terms, with or without notice.

We aim for high availability but cannot guarantee uninterrupted service. Planned maintenance will be communicated in advance where possible. We are not liable for losses arising from downtime, data unavailability, or service interruption.

Meridian is provided “as is”. To the fullest extent permitted by Australian law, we exclude all implied warranties and limit our liability for any direct, indirect, or consequential loss arising from your use of the app.

Our total liability for any claim arising from these terms is capped at the total amount you paid us in the 12 months preceding the claim, or AUD $50 — whichever is greater.

These terms are governed by the laws of Victoria, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Victoria.

We may update these terms from time to time. Material changes will be communicated in the app at least 14 days before taking effect. Continued use of Meridian after that date constitutes acceptance of the updated terms.

Questions about these terms? Email support@meridianapp.com.au.