Terms & Privacy

Meridius Labs Ltd
Lytchett House 13 Freeland Park, Wareham Road, Poole, Dorset, UK, BH16 6FA

1. Who We Are

Meridius Labs Ltd ("we," "us," or "our") is a UK company providing AI consulting services and publishing "The Morning Fill" newsletter. We are committed to protecting your privacy and handling your personal data in accordance with UK data protection laws.

Contact Information:
Data Protection Enquiries: data@meridiuslabs.ai
Legal Enquiries: legal@meridiuslabs.ai

2. Information We Collect

2.1 Newsletter Subscription Data

When you subscribe to "The Morning Fill" newsletter, we collect:

• Email address
• First name
• Surname
• Company name
• Job title (optional)

Purpose: To send you our newsletter and personalise content with your name and company information.

Legal Basis: Your consent (Article 6(1)(a) UK GDPR)

2.2 Business Inquiry Data

When you submit a business inquiry through our contact form, we collect:

• Name
• Work email address
• Company name
• Job role
• Details of your inquiry

Purpose: To respond to your inquiry and provide information about our services.

Legal Basis: Legitimate interests (Article 6(1)(f) UK GDPR) - our legitimate interest in responding to business inquiries and developing our services.

2.3 Technical Data

When you visit our website, we automatically collect:

• IP address
• Browser type and version
• Device information
• Pages visited and time spent
• Referring website information

Purpose: Website security, fraud prevention, and ensuring proper website functionality.

Legal Basis: Legitimate interests (Article 6(1)(f) UK GDPR) - our legitimate interest in maintaining website security and functionality, as documented in our Legitimate Interests Assessment.

3. How We Use Your Information

We use your personal data only for the specific purposes outlined above:

• Newsletter data: Sending newsletters and personalizing content
• Business inquiry data: Responding to inquiries and providing service information
• Technical data: Maintaining website security, preventing fraud, and ensuring functionality

We do not use your data for automated decision-making or profiling beyond essential security purposes.

4. Data Sharing and Transfers

4.1 Service Providers

We share data with the following service providers:

• SendGrid (newsletter delivery):
  • Location: United States
  • Purpose: Email delivery services
  • Safeguards: Standard Contractual Clauses and Data Processing Agreement
  • Data: Newsletter subscription information only
• B12 INFO LIMITED (website hosting):
  • Location: United Kingdom
  • Purpose: Website hosting and technical infrastructure
  • Data: Technical data and website content

4.2 Legal Disclosures

We may disclose your information if required by law, regulation, or legal process, or to protect our rights, property, or safety.

5. Data Retention

We retain your data for the following periods:

• Active newsletter subscriptions: Until you unsubscribe
• Unsubscribed newsletter emails: Deleted immediately or within 30 days
• Business inquiry data: 3 years from last contact
• Technical data/website logs: 12 months

After these periods, we securely delete your data unless we have a legal obligation to retain it longer.

6. Your Rights

Under UK data protection law, you have the following rights:

• Access: Request copies of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data (subject to legal limitations)
• Restriction: Limit how we process your data
• Portability: Receive your data in a portable format (where applicable)
• Objection: Object to processing based on legitimate interests
• Withdraw consent: Withdraw consent for newsletter subscriptions at any time

To exercise these rights, contact us at data@meridiuslabs.ai.

Newsletter Unsubscription

You can unsubscribe from our newsletter at any time by:

• Clicking the unsubscribe link in any newsletter email
• Emailing data@meridiuslabs.ai with your request

7. Cookies and Tracking

We use only essential cookies necessary for website functionality and security. These cookies:

• Do not track your browsing across other websites
• Are necessary for website operation and security
• Cannot be disabled without affecting website functionality

We do not use analytics, advertising, or non-essential tracking cookies.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal data, including:

• Secure data storage with access controls
• Encryption of data in transit and at rest
• Regular security updates and monitoring
• Staff training on data protection

9. Children's Privacy

Our services are not directed at children under 16. We do not knowingly collect personal data from children under 16 without appropriate parental consent.

10. International Transfers

When we transfer your data outside the UK (such as to SendGrid in the US), we ensure appropriate safeguards are in place, including Standard Contractual Clauses and Data Processing Agreements that provide equivalent protection to UK data protection laws.

11. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website with a new "last updated" date
• Sending an email notification to newsletter subscribers for significant changes

12. Contact and Complaints

Data Protection Enquiries: data@meridiuslabs.ai

If you're not satisfied with how we handle your data protection concerns, you have the right to complain to the UK Information Commissioner's Office (ICO):

• Website: ico.org.uk
• Phone: 0303 123 1113
• Post: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. THIS IS A BINDING LEGAL AGREEMENT.

1. Introduction & Acceptance of Terms

Welcome to Meridius Labs. These Terms of Service ("Terms") constitute a legally binding agreement between you (the "User," "you," or "your") and Meridius Labs Ltd., a company registered in England and Wales under company number 16510596, with its registered office at Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, United Kingdom, BH16 6FA ("Meridius Labs," "we," "us," or "our").

These Terms govern your access to and use of the Meridius Labs website (the "Website"), our "The Morning Fill" newsletter, and any related content, archives, or services we may provide (collectively, the "Services").

By accessing, subscribing to, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must not access or use our Services.

2. Description of Services

Meridius Labs provides a platform designed to deliver insights into financial markets. Our primary Service is "The Morning Fill," a daily newsletter that summarises and analyses market news and data. The Services also include the Website where these newsletters and other content may be archived and viewed.

These Terms govern your use of the Meridius Labs Website and our free newsletter, "The Morning Fill". The provision of our white-label solutions and other business-to-business (B2B) services is subject to a separate, written Master Service Agreement (MSA) between Meridius Labs and the business client.

Access to "The Morning Fill" newsletter is currently provided free of charge. Should we introduce paid subscription tiers in the future, we will provide you with advance notice and updated Terms. No user will be charged without their explicit consent.

3. IMPORTANT: No Financial Advice Disclaimer

Nothing in our content constitutes a "financial promotion" as defined by section 21 of the Financial Services and Markets Act 2000 (FSMA). Any reference to specific financial products or instruments is incidental to the provision of general market news and information.

Meridius Labs Ltd. is not authorised or regulated by the Financial Conduct Authority (FCA). We are a technology company and content publisher, not a financial advisor, broker, or dealer.

You should always seek the advice of a qualified and regulated financial advisor before making any investment decisions. Your financial situation is unique, and any action you take based on information from our Services is your sole responsibility and at your own risk.

4. AI-Generated Content & Data Accuracy

You acknowledge that our Services utilise artificial intelligence and large language models (LLMs) to analyse data and generate content. While we have implemented a multi-stage review process to strive for accuracy, this automated process may result in occasional errors, omissions, or inaccuracies.

Furthermore, our Services rely on data ingested from third-party sources. We do not guarantee the accuracy, completeness, or timeliness of this underlying data. Users must independently verify any information obtained from our Services before relying on it.

5. Intellectual Property Rights

All rights, title, and interest in and to the Services are and will remain the exclusive property of Meridius Labs Ltd. and its licensors. This includes, but is not limited to, "The Morning Fill" name and logo, the Website design, all text, graphics, charts, content, and the underlying proprietary software, models, and processes. The Services are protected by copyright, trademark, and other laws of England and Wales.

6. License to Use Our Services

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the content of the Services for your personal, non-commercial use only.

This license is subject to your compliance with these Terms. You are expressly prohibited from:

• (a) Reproducing, distributing, modifying, creating derivative works from, publicly displaying, or reselling any content from the Services without our prior written consent.
• (b) Forwarding "The Morning Fill" newsletter to any distribution list or for any commercial purpose.
• (c) Using our content to train any artificial intelligence or machine learning models.

7. User Conduct and Prohibited Activities

As a condition of your use of the Services, you agree not to:

• (a) Use the Services for any illegal or unauthorised purpose.
• (b) Scrape, data-mine, or systematically collect content from the Website or newsletters.
• (c) Attempt to reverse-engineer, decompile, or discover the source code of our platform.
• (d) Introduce any viruses, trojan horses, worms, or other material that is malicious or technologically harmful.
• (e) Attempt to gain unauthorised access to, interfere with, damage, or disrupt any part of the Services or its supporting infrastructure.
• (f) Resell or sub-license access to the Services or any content therein.

8. Archived Content

Content provided in our archives is for historical and informational purposes only. Market conditions change rapidly, and you should not rely on archived content as being current or accurate.

9. Termination

We may, in our sole discretion, terminate or suspend your access to all or part of the Services at any time, with or without notice, where permitted by applicable law, for any reason, including for any breach of these Terms.

You may terminate this agreement at any time by ceasing all use of our Services and unsubscribing from our mailing lists.

Provisions that by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, and limitations of liability.

10. Disclaimer of Warranties

11. Limitation of Liability

Nothing in these Terms shall limit or exclude our liability for: (i) death or personal injury caused by our negligence; (ii) fraud or fraudulent misrepresentation; or (iii) any other liability that cannot be excluded under English law.

12. Data Protection & Privacy

We are committed to protecting your privacy. Your personal data, including your email address, will be processed in accordance with our Privacy Policy, which is incorporated by reference into these Terms. Our Privacy Policy outlines how we collect your data, our legal basis for processing, and your rights under the UK General Data Protection Regulation (UK GDPR) and Privacy and Electronic Communications Regulations (PECR).

By subscribing, you consent to receive "The Morning Fill" newsletter by email. You can review our Privacy Policy at: Privacy Policy

13. Cancellation, Complaints, and Disputes

(a) Cancellation: You may unsubscribe from "The Morning Fill" at any time by clicking the "unsubscribe" link provided in every email. As the Service is currently free, no refunds are applicable.

(b) Complaints: If you wish to raise a complaint, please contact us at legal@meridiuslabs.ai. We are committed to resolving any issues promptly and fairly.

(c) Disputes: We encourage you to contact us first to resolve any disputes informally. This does not prejudice your right to take legal action.

14. Governing Law and Jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them, shall be governed by and construed in accordance with the laws of England and Wales. You agree that the courts of England and Wales shall have exclusive jurisdiction to settle any such dispute or claim.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. We will post updated Terms on the Website and indicate the "Last Updated" date. For material changes, we will provide you with reasonable advance notice, for example by email. Your continued use of the Services after such changes become effective constitutes your acceptance of the revised Terms.

16. Miscellaneous

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Meridius Labs regarding the Services.

Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

No Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

17. Contact Information

For any questions about these Terms of Service, please contact us:

Meridius Labs Ltd.
Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, BH16 6FA
Company Number: 16510596
Registered in England and Wales.
Email: legal@meridiuslabs.ai