Privacy Policy

1. Who We Are

Meritancing ("we", "us", or "our") provides AI-driven data analysis and risk-management tools for family wealth management. This policy applies to all information collected through our website, applications, and related services (collectively, the "Services").

2. Information We Collect

We may collect the following categories of information when you interact with our Services:

• Contact details you provide, such as your name, email address, and phone number, for example when submitting a contact form.
• Account and usage information, including login credentials, preferences, and activity within the Services.
• Financial and portfolio data that you choose to upload or connect for the purpose of analysis.
• Technical data such as IP address, browser type, device identifiers, and pages visited, collected automatically through cookies and similar technologies.
• Communications you send to us, including support requests and feedback.

3. How We Use Your Information

We use the information collected to operate, maintain, and improve the Services, including to:

• Provide and personalize the data analysis and risk-management features you request.
• Communicate with you about your account, updates, or support inquiries.
• Monitor, analyze, and improve the performance, security, and functionality of our Services.
• Detect, prevent, and address fraud, abuse, or technical issues.
• Comply with applicable legal obligations and enforce our terms.

4. Legal Basis for Processing

Where applicable law requires a legal basis for processing personal information, we rely on one or more of the following: your consent, the necessity of processing to perform a contract with you, our legitimate interests in operating and improving the Services, and compliance with legal obligations.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to recognize your browser, remember preferences, and understand how our Services are used. You can control cookies through your browser settings; disabling cookies may limit certain features of the Services.

6. How We Share Information

We do not sell personal information. We may share information in the following circumstances:

• With service providers and vendors who perform functions on our behalf, such as hosting, analytics, or customer support, under appropriate confidentiality obligations.
• To comply with legal obligations, respond to lawful requests, or protect the rights, property, or safety of Meritancing, our users, or others.
• In connection with a merger, acquisition, financing, or sale of business assets, subject to applicable confidentiality protections.
• With your consent or at your direction.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we take reasonable steps to delete or anonymize it.

8. Data Security

We implement reasonable administrative, technical, and organizational measures designed to protect information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. International Data Transfers

Depending on where you are located, your information may be transferred to and processed in countries other than your own. Where required by applicable law, we take steps intended to ensure that such transfers are subject to appropriate safeguards.

10. Your Rights and Choices

Depending on your jurisdiction, you may have rights regarding your personal information, which may include the right to access, correct, delete, restrict, or object to certain processing, and the right to data portability. To exercise any applicable rights, please contact us using the details on our Contact page.

11. Children's Privacy

Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate action.

12. Third-Party Links

Our Services may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices of such third parties, and we encourage you to review their privacy policies before providing any information.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated policy with a revised effective date. Continued use of the Services after changes become effective constitutes acceptance of the revised policy.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please reach out through the details provided on our Contact page.

This document is a general template and does not constitute legal advice. Meritancing recommends obtaining professional legal review before relying on this policy for compliance purposes.