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* ESG (Environmental, Social and Governance) investments

Privacy Policy

Policy Effective Date: June 11, 2015

Your Privacy Matters

Meritam’s number one priority is your trust. Your privacy is essential to earning and keeping that trust. This tenet drives all of the decisions we make, as well as how we gather, use and store any information we acquire from you.

We created this Privacy Policy to be as clear and direct as possible about how we gather and use your information. We do not rent, sell or trade your private information to anyone.


Meritam Advisors Inc. (“we” or “us”) operates an automated investment service (“Service”). Our Service is made available through our website and via mobile devices. This Privacy Policy describes how we treat your private information when you use or evaluate our Service.

For the purpose of this agreement a “User” is an individual who uses our website or mobile application (an “Individual”) as well as the institution, if any, an Individual represents (an “Institution”). A “Client” is a User who signs our Client Agreement that entitles the Client to have the Client’s investment portfolio managed by us. Our Privacy Policy, Terms of Use and, where applicable, Client Agreement collectively govern a User’s use or evaluation of our service.

Information Collection

The types of information we collect depend on whether or not a User becomes a Client. We collect information from you when you voluntarily provide information to us. Examples of instances when we collect information include when you answer questions on our website or in our mobile application(s) to determine what kind of portfolio we might recommend if you were to become a Client, when you register to open an account, or when you contact our client service organization with questions.

Information Collection from Users

Our Privacy Policy covers personal information about Individuals as well as information about Institutions that we collect directly from Users via our website, our mobile applications or through other contact with Users, such as via customer support. We deem all of this information to be “Private Information.” Unless we designate it as such elsewhere in this Privacy Policy, Private Information does not include information we obtain from third-parties.

Private Information includes information such as name, address, telephone number and other information a User may provide, such as investable assets and risk tolerance, which may include the User’s financial goals and objectives, income information and other financial planning information about the User. We may also collect a User’s e-mail address and/or telephone number should the User opt to engage via our website, mobile app, email or dedicated telephone number with our client service team.

Information Collection from Clients

If a User chooses to become a Client, in addition to the information we collect from a User as described above, we will ask for certain information, including, but not limited to, full legal name, contact information, tax identification number, investment objectives, approximate assets, and other information for regulatory disclosures that may be necessary and required under Federal or state law (see our Client Agreement).

We also collect account numbers and login credentials for the accounts (bank or brokerage) you choose to link to our Service, any challenge and/or security questions associated with those accounts, and any information contained in those accounts. This information is also deemed Private Information.

In General

Our servers automatically record certain information (“Non-Identifiable” or “Aggregated Data”) about your use or evaluation of our Service. Similar to other technology platforms and services, We records information such as browsing activity, data displayed or clicked on (such as UI elements, ads, and links), and other information (such as browser type, IP address, date and time of access, cookie ID, and referrer URL). Along with cookies, we may also use third-party tracking technology, such as Google Analytics, to record similar information regarding you and your activity on the Service.

Use of Information

We store, process, and maintain Private Information related to Users in order to provide client support, offer new products or services and provide our Service to Clients in accordance with the rules of regulatory bodies such as the Securities and Exchange Commission and FINRA. You may choose not to provide such information to us, but if you choose not to provide such information, you (or the institution you represent) will not be able to become a Client.

We may share the information required to become a Client with our brokerage partner solely for the purpose of allowing our brokerage partner to provide services to you.

We may use your Private Information to communicate with you regarding our Service or to tell you about blog posts or services that we believe will be of interest to you. If you decide at any time that you no longer wish to receive marketing communications from us, please follow the “unsubscribe” instructions provided in the communications. Please note that you cannot opt-out of administrative communications such as regulatory, billing or service notifications.

Information Sharing and Onward Transfer

We will not sell, rent, or trade your Private Information to any third parties.

There are certain circumstances in which we may share your Private Information without further disclosure to you. From time-to-time, we hire other companies to perform certain business and technology related functions (e.g. mailing information, database maintenance and payment processing). If we hire another company to perform a function of this kind, we only provide them with the minimum information they need to perform their specific function. We maintain strict physical, electronic and procedural safeguards that comply with federal standards to guard your Private Information.

Except as required by law or requested by regulatory authorities, such as when we reasonably believe it is necessary or appropriate to investigate, prevent, or take action regarding suspected illegal activities, fraud, front running or scalping, situations involving potential threats to the physical safety of any person, or violations of our Terms of Use, we will not otherwise share your non-public Private Information with third parties.

If we are involved in a merger, acquisition or asset sale, we will use our best efforts to ensure the continued confidentiality of any Private Information.

Your Choices and Obligations

You may request deletion of Private Information by emailing and providing us enough information to identify your account and prove that you are the owner of the identified account. We will endeavor to make any deletion request effective as soon as reasonably practicable. However, we may retain residual information related to your account, as well as any data related to your trades, to maintain our archival business records and in accordance with applicable laws. In no case will we share any individual trading data unless required by regulators or other government bodies.

You may decline to provide Private Information to us. Declining to provide Private Information may disqualify you from the use of our Service or features that require certain personal information.

Other Important Information


We take commercially reasonable steps to protect your Private Information from loss, misuse, and unauthorized access, alteration, disclosure, or destruction. No Internet, email, or electronic operating system that enables the transmission of data is ever fully secure or error free so, please take special care in deciding what information you send to us electronically.

Social Media and Links to Other Websites and Apps

This Privacy Policy applies only to our Service. Our Service may contain links that access other websites and apps that are not operated or controlled by us. This Privacy Policy does not apply to those third party websites and apps.


Our Service is not to be used by anyone under the age of 18 and, as such we do not knowingly collect Private Information from anyone under the age of 18. If you are under the age of 18, please do not submit any Private Information to us. If a parent or guardian becomes aware that his or her child under the age of 18 has provided us with personally identifiable information, he or she should contact us at, and we will delete such information from our files.

Changes to this Privacy Policy

This Privacy Policy may change from time to time. We will post any Privacy Policy changes on our website and, if the changes are substantial, we will provide a more prominent notice (including, for certain services, email notification of Privacy Policy changes). Each version of this Privacy Policy will be identified at the top of the page by its effective date.

This document constitutes our complete Privacy Policy.

If you have questions or comments about this Privacy Policy, please email us at, by phone at 612-888-6363 or via physical mail at:

Meritam Advisors Inc.
488 Madison Avenue
New York, NY 10022