Terms of Service

Effective October 7, 2026.

These Terms of Service ("Terms") govern your access to and use of Fourth Meridian (the "Service"). By requesting access to, or using, the Service, you agree to these Terms.

Fourth Meridian is currently offered as a closed, invite-only beta. Features may change, break, or be removed, and access may be limited or revoked at our discretion.

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. You are responsible for ensuring your use complies with the laws that apply to you.

2. Your account

You are responsible for the activity that happens under your account and for keeping your credentials secure. We strongly encourage enabling two-factor authentication. Notify us promptly at support@fourthmeridian.com if you believe your account has been compromised.

3. Your financial data

The Service lets you link financial accounts through Plaid and add information about your assets, debts, and activity. You represent that you have the right to provide any information you connect or enter. You retain ownership of your data; see our Privacy Policy for how we handle it.

Fourth Meridian is a read-only view of your finances. It does not move money, execute trades, make payments, or act on your behalf — and neither does its AI.

4. Not financial advice

The Service, including the Daily Brief and Conversations, is provided for informational purposes only. AI-generated output is planning insight from your data; it is not financial, investment, tax, or legal advice, and it is not a substitute for a professional who knows your circumstances. Fourth Meridian is not a licensed financial adviser, broker, tax adviser or attorney. AI output can be incomplete or wrong. You are solely responsible for decisions you make. See our AI Disclosures.

5. Acceptable use

You agree not to misuse the Service, including by attempting to access accounts or data that are not yours, probing or disrupting the Service outside of a responsible-disclosure context, or using the Service to violate any law.

6. Availability and changes

The Service is provided on an "as is" and "as available" basis during beta. We may modify, suspend, or discontinue any part of it at any time. We do not guarantee uninterrupted availability.

7. Termination

You may stop using the Service and delete your account at any time. Deletion completes 7 days after you request it; during that window your account is locked and you can cancel by signing back in (see our Privacy Policy). We may suspend or terminate access if you violate these Terms or if we discontinue the Service.

8. Limitation of liability

To the maximum extent permitted by law, Fourth Meridian is not liable for any indirect, incidental, or consequential damages, or for any loss arising from your reliance on information presented by the Service.

9. Changes to these Terms

We may update these Terms as the Service evolves. Material changes will be communicated through the Service. Continued use after a change means you accept the updated Terms.

10. Contact

Questions about these Terms can be sent to support@fourthmeridian.com.