Privacy Policy

1. Introduction

Meridian ("we", "us", "our") operates the website at www.meridianmarkets.co and the Telegram bot @getmeridian_bot. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

2. Information We Collect

Account information: When you sign up, we collect your name, email address, and hashed password. If you sign in with Google, we receive your Google profile name and email.

Telegram data: If you use our Telegram bot or link your web account, we store your Telegram user ID and username for delivering signals and syncing data.

Trading data: Portfolio positions, watchlist assets, trade journal entries, chart uploads, and AI analysis results that you create on the platform.

Payment data: Subscription tier, payment method type, and transaction IDs. We do not store full credit card numbers — payments are processed by PayPal and NOWPayments.

Usage data: Pages visited, features used, visitor events (time on site, pricing views), IP address, and browser information for analytics and rate-limiting.

3. How We Use Your Information

• Deliver AI trade signals, daily market briefings, and personalized analysis
• Maintain your portfolio, watchlist, and trade journal
• Process subscriptions and manage your account tier
• Send transactional emails (password resets, subscription confirmations)
• Improve our AI models and platform features
• Prevent abuse, enforce rate limits, and maintain security

4. Third-Party Services

We integrate with the following services that may process your data:

• Google OAuth: Authentication only — we receive your name and email, nothing else
• Telegram Bot API: Delivers messages and syncs data with your Telegram account
• CoinGecko & Yahoo Finance: Market data APIs — no user data is shared with these services
• PayPal: Subscription billing — subject to PayPal's Privacy Policy
• NOWPayments: Cryptocurrency payments — subject to NOWPayments' Privacy Policy
• OpenAI API: Powers our AI analysis — chart images and trade data may be sent for analysis. Subject to OpenAI's Privacy Policy
• Meta Pixel: Anonymous visitor analytics for advertising measurement

5. Cookies & Local Storage

We use browser localStorage to store your authentication token (JWT) for session persistence. The Meta Pixel sets cookies for analytics purposes. We do not use tracking cookies beyond Meta Pixel.

6. Data Retention

Your account data is retained for as long as your account is active. Trade journal entries and analysis history are kept indefinitely to provide cumulative statistics. If you delete your account, we remove your personal data within 30 days. Anonymized, aggregated analytics data may be retained.

7. Data Security

We protect your data using industry-standard measures: passwords are hashed with bcrypt, all connections use TLS/SSL encryption, and database access is restricted. While we strive to protect your information, no method of electronic transmission is 100% secure.

8. Your Rights

• Access: Request a copy of the personal data we hold about you
• Correction: Update inaccurate information in your account settings
• Deletion: Request deletion of your account and associated data
• Data portability: Export your trade journal and portfolio data
• Opt-out: Unsubscribe from marketing emails at any time

9. Children's Privacy

Meridian is not intended for users under 18 years of age. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the platform after changes constitutes acceptance of the updated policy.

11. Contact Us

For privacy-related questions, data requests, or concerns:

• Email: support@meridianmarkets.co
• Telegram: @MeridianMarkets
• Web: Contact page