Terms of Service

1.1 Acceptable Use Policy

You may use our website and services only for lawful purposes and in accordance with these terms. You agree not to use our services in any way that violates applicable laws or regulations, infringes upon the rights of others, or could damage, disable, or impair our website or services.

Specifically, you agree not to attempt to gain unauthorized access to our systems, interfere with other users' access to our services, transmit any malicious code or harmful materials, or use automated systems to access our website without permission.

1.2 Permitted Uses

Our website provides information about financial analysis services for individuals navigating major life transitions. You may browse our content, request information about our services, and engage us for analytical services as outlined in our service descriptions.

You may print or download content from our website for your personal, non-commercial use, provided you maintain all copyright and proprietary notices. Any other use of our content requires our prior written permission.

1.3 Service Access Requirements

To access certain features of our website or engage our services, you may need to provide accurate and complete information. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account.

You must notify us immediately of any unauthorized use of your account or any other security breach. We reserve the right to refuse service, terminate accounts, or remove content at our discretion.

1.4 Fair Usage Guidelines

We expect users to interact with our website and services in good faith and for legitimate purposes. Excessive requests, attempts to circumvent access controls, or other behaviors that we determine to be abusive may result in temporary or permanent restrictions on your access to our services.

2.1 Account Creation Requirements

If you create an account with us or engage our services, you must provide accurate, current, and complete information. You must be at least eighteen years old to use our services. By creating an account, you represent that all information you provide is truthful and that you have the legal capacity to enter into these terms.

You are responsible for keeping your contact information up to date. We may use the email address you provide to send you important information about our services, including notifications of changes to these terms.

2.2 Account Security Responsibilities

You are responsible for maintaining the security of any credentials we provide for accessing your account or information. Choose a strong password and do not share your login credentials with others. If you believe your account has been compromised, contact us immediately.

We will never ask you to share your password via email or phone. Be cautious of phishing attempts that may appear to come from us but are designed to steal your credentials.

2.3 Account Suspension and Termination

We reserve the right to suspend or terminate your access to our services if we determine that you have violated these terms, engaged in fraudulent activity, or used our services in a manner that could harm our business or other users.

You may terminate your relationship with us at any time by contacting us and requesting account closure. Upon termination, your right to use our services ceases immediately, though certain provisions of these terms will survive termination.

2.4 Multiple Account Policies

Generally, you should maintain only one account with us. If you have a legitimate reason to create multiple accounts, please contact us to discuss your needs. Creating multiple accounts to circumvent restrictions or engage in deceptive practices is prohibited.

3.1 Service Uptime and Maintenance

While we strive to maintain consistent availability of our website, we cannot guarantee uninterrupted access. We may need to perform scheduled maintenance or address unexpected technical issues that temporarily affect website functionality.

We will make reasonable efforts to notify you of planned maintenance that may significantly impact access to our services. However, we are not liable for any inconvenience or loss resulting from temporary unavailability of our website.

3.2 Feature Availability

The specific services we offer may evolve over time. We reserve the right to modify, add, or discontinue features of our website or services at our discretion. We will provide reasonable notice of significant changes that affect services you have purchased.

Not all services may be available to all users or in all geographic locations. We reserve the right to limit availability based on regulatory requirements, business considerations, or other factors.

3.3 Geographic Restrictions

While we are based in Australia and serve clients worldwide, certain aspects of our services may be restricted based on your location. Local regulations, licensing requirements, or practical considerations may affect our ability to provide services in certain jurisdictions.

3.4 Service Modifications and Updates

We continuously work to improve our services and may introduce new features, modify existing functionality, or update our analytical methodologies. These improvements are designed to enhance the value we provide to our clients.

If you have engaged our services, any material changes to the scope or methodology of your analysis will be communicated to you before implementation. For general website features, we may implement changes without prior notice.

4.1 Content Ownership

All content on our website, including text, graphics, logos, images, and analytical frameworks, is owned by Meridian Slate or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any of our content for commercial purposes without our express written permission.

4.2 User-Generated Content Rights

When you provide information to us through contact forms, service engagements, or other communications, you retain ownership of that information. However, you grant us a license to use that information as necessary to provide our services and fulfill our obligations to you.

We will not use your personal information for purposes beyond what is described in our Privacy Policy without your consent.

4.3 License Grants

We grant you a limited, non-exclusive, non-transferable license to access and use our website for its intended purpose. This license does not include any right to resell or make commercial use of our services, create derivative works based on our content, or use data mining or similar data gathering methods.

When you engage our services, we grant you a license to use the analytical reports and recommendations we provide for your personal financial decision-making. You may not share these reports with third parties or use them for commercial purposes without our permission.

4.4 Copyright and Trademark Notices

The Meridian Slate name, logo, and related marks are trademarks owned by us. All other trademarks appearing on our website are the property of their respective owners. Nothing in these terms grants you any right to use our trademarks or those of third parties.

5.1 Service Pricing

Fees for our services are specified in our service descriptions and engagement agreements. All fees are quoted in Australian Dollars unless otherwise specified. Prices are subject to change, but any changes will not affect services you have already purchased.

We will provide clear information about fees before you engage our services. If additional work beyond the original scope is required, we will discuss this with you and obtain your approval before proceeding.

5.2 Payment Methods and Terms

Payment terms will be specified in your engagement agreement. We typically require payment in advance for our services, though alternative arrangements may be available for ongoing engagements.

You agree to provide accurate payment information and authorize us to charge the agreed-upon fees to your chosen payment method. If a payment fails, we will notify you and may suspend services until payment is received.

5.3 Refund Policy

If you are dissatisfied with our services, please contact us to discuss your concerns. We evaluate refund requests on a case-by-case basis, considering factors such as the stage of completion, the nature of the concern, and our ability to address the issue. Our goal is to ensure you receive value from our services.