1. Acceptance of Terms

By accessing and using the Merion website (merion.info) and our investment education services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and Merion. If you do not agree with any part of these terms, you must not use our services.

Your continued use of our platform after any modifications to these terms constitutes your acceptance of such changes. We recommend reviewing these terms periodically to stay informed of any updates.

2. Description of Services

Merion provides educational content and resources focused on developing an investment mindset. Our services include educational materials, market analysis, investment strategy discussions, and financial literacy content. We do not provide personalized investment advice, financial planning services, or direct investment management.

Educational Content

Our platform offers various forms of educational content designed to help users understand investment principles, market dynamics, and financial concepts. This content is for educational purposes only and should not be considered as investment recommendations or financial advice tailored to your specific situation.

No Investment Advisory Services

Merion is not a registered investment advisor, broker-dealer, or financial institution. We do not provide personalized investment recommendations, portfolio management services, or specific buy/sell recommendations for securities or other financial instruments.

3. User Responsibilities and Conduct

As a user of our platform, you agree to use our services responsibly and in accordance with applicable laws and regulations. You are solely responsible for your investment decisions and any consequences that may result from using the information provided on our platform.

• Provide accurate and truthful information when creating an account or engaging with our services
• Maintain the confidentiality of your account credentials and notify us immediately of any unauthorized access
• Use our content for personal educational purposes only and not redistribute or republish without permission
• Refrain from using our platform for any illegal, harmful, or fraudulent activities
• Respect the intellectual property rights of Merion and other users

4. Investment Risks and Disclaimers

Important Risk Warning: All investments carry inherent risks, including the potential for significant financial loss. Past performance does not guarantee future results. The value of investments can go down as well as up, and you may receive back less than your original investment.

Educational Purpose Only

All content provided by Merion is for educational and informational purposes only. Our materials are designed to help you develop your understanding of investment concepts, but they should not be construed as specific investment advice or recommendations tailored to your individual circumstances.

Professional Advice Recommendation

Before making any investment decisions, we strongly recommend consulting with qualified financial professionals, including registered investment advisors, certified financial planners, or other licensed professionals who can provide advice specific to your financial situation, risk tolerance, and investment objectives.

5. Intellectual Property Rights

All content on the Merion platform, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the property of Merion or its content suppliers and is protected by Canadian and international copyright laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal educational purposes only. You may not modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or content obtained from our platform without our express written consent.

User-Generated Content

By submitting content to our platform, including comments, questions, or feedback, you grant Merion a worldwide, royalty-free, perpetual, irrevocable license to use, modify, publish, and distribute such content for educational and promotional purposes related to our services.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms of Use. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Merion shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services, including but not limited to investment losses, lost profits, or business interruption.

Our total liability to you for all claims arising out of or relating to these terms or our services shall not exceed the amount you have paid to us in the twelve months preceding the event giving rise to the claim.

No Warranty

Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free of harmful components, or that our content is accurate, reliable, or complete.

8. Indemnification

You agree to indemnify, defend, and hold harmless Merion, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from your use of our services, violation of these terms, or infringement of any third-party rights.

9. Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. You may also terminate your use of our services at any time by discontinuing your access to our platform.

Upon termination, your right to use our services will cease immediately, but the provisions of these terms that by their nature should survive termination will remain in effect, including but not limited to intellectual property rights, liability limitations, and dispute resolution procedures.

10. Governing Law and Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with the laws of British Columbia, Canada, without regard to its conflict of law provisions. Any disputes arising out of or relating to these terms or our services shall be subject to the exclusive jurisdiction of the courts of British Columbia, Canada.

Dispute Resolution Process

Before initiating any legal proceedings, we encourage you to contact us directly to attempt to resolve any disputes informally. Many disputes can be resolved quickly and efficiently through direct communication.

11. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. When we make changes, we will update the "Last Updated" date at the top of these terms and notify users through our platform or via email. Significant changes will be communicated with at least 30 days' advance notice.

Your continued use of our services after the effective date of any modifications constitutes your acceptance of the updated terms. If you do not agree with the modifications, you should discontinue your use of our services.

12. Severability and Entire Agreement

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. These terms, together with our Privacy Policy, constitute the entire agreement between you and Merion regarding your use of our services.