We offer an automated investment service for nonprofit organizations. Should you choose to become our Client, we will manage a diversified, continually rebalanced portfolio of ETFs and index funds on your behalf in a very low cost manner. Our unique service is made possible by combining a team of financial experts, with industry know how and technology talent.
In order to access certain features of our Service, User must register to create an account ("User Account"). When User registers, User will be asked to choose a password, which User will be required to use to access User’s User Account.
User is responsible for safeguarding User’s password and other User Account information. User agrees not to disclose User’s password to any third party and User will notify us immediately if User’s password is lost or stolen or if User suspects any unauthorized use of User’s User Account. User agrees that User shall be solely responsible for any activities or actions under User’s User Account, whether or not User has authorized such activities or actions.
User agrees that the information User provides to us on account registration through our website or mobile applications will be true, accurate, current, and complete.
By creating a User Account, User automatically signs up for various types of alerts via e-mail and mobile notification. When logged in, User may customize, modify and in some cases deactivate alerts by adjusting the settings accordingly.
We never include User’s password in these communications, but we may include User’s name, or email address and information about User’s portfolio(s) if User is a Client. Anyone with access to User’s e-mail or mobile device will be able to view these alerts.
User may unsubscribe from marketing oriented emails at any time.
User agrees and understands that User’s access to and use of our Service is for evaluation purposes only, for User to evaluate whether or not to become a Client, and is not intended to provide legal, tax or financial planning advice.
User understands and acknowledges that the investment results User could obtain from investment information and financial insights provided by our Service cannot be guaranteed and that we cannot be held responsible. All investments entail a risk of loss and User may lose money. Investment management services may be offered to Users who become Clients at our sole discretion. User’s election to engage our investment management services is subject to User’s explicit enrollment and acceptance of the separate Client Agreement, which will include additional disclaimers and limitations applicable to Clients.
User agrees as a User that User is responsible for User’s own investment research and investment decisions, that our Service is only one of many tools User may use as part of a comprehensive investment process, that User should not and will not rely on our Service as the primary basis of User’s investment decisions and, except as otherwise provided for herein, we will not be liable for decisions/actions User takes or authorizes third parties to take on User’s behalf based on information User receives as an evaluation user of our Service or information User otherwise see on our website or apps.
User’s use of our Service, and User’s provision of personal information to us, is at User’s sole discretion and risk. Our Service and all materials, information, products and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from us.
We expressly disclaim all warranties of any kind, express, implied or statutory, relating to the service, content on the service and/or our use of user information, including without limitation the warranties of title, merchantability, fitness for a particular purpose, non-infringement of proprietary rights, course of dealing or course of performance. without limiting the preceding sentence, we specifically disclaim any warranties, express or implied:
Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to every User.
User understands and agrees that we act as an investment adviser for other clients and will continue to do so. We and our personnel may make recommendations and take action for other clients that may differ from the recommendations we give to User or the action we take on User’s behalf.
In addition, our personnel may take actions for their own accounts based on their own investment situations that differ from the recommendations we give User or actions we take on User’s behalf.
In no event shall we or any of our officers, directors, employees, or agents be liable to user for any damages whatsoever, including without limitation indirect, incidental, special, punitive, or consequential damages, arising out of or in connection with user’s use of the service, content on the service and/or our use of user information, including but not limited to the quality, accuracy, or utility of the information provided as part of or through the service or for any investment decisions made on the basis of such information, whether the damages are foreseeable and whether or not we have been advised of the possibility of such damages. the foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction and in no event shall our cumulative liability to you exceed U.S. $100.
User may request termination of User’s User Account at any time and for any reason by sending an email to info@Meritam.org.
We will fully cooperate with any law enforcement authorities, regulatory agencies, or court order requesting or directing us to disclose information about a User regarding suspected illegal activities, fraud, front running or scalping, situations involving potential threats to the physical safety of any person or otherwise.
User agrees User will:
User agrees User won't:
We will terminate the User Accounts of users who infringe the rights of copyright holders, whether ours or those of third parties. If User becomes aware of misuse of our Service or content thereon by any person, please contact Us to report it.
Our Service is only available for use in the United States. We make no representation that our Service is appropriate or will be available for use outside the United States. Similarly, we make no representations that accessing our Service from locations outside the United States is legal or permissible by local law. If User accesses our Service from areas outside of the United States, User does so at User’s own risk and is solely responsible for compliance with local laws.
Any notice or other communication to be given hereunder will be in writing and given (a) by us via email to the address that User provides, or (b) by User via email to info@Meritam.org or to such other addresses as we may specify in writing. The date of receipt shall be deemed the date on which such notice is transmitted by email or the date actually received if sent by other means. User agrees that legal notice to us may be made only by registered or certified mail sent to the address in Section11.11 below.
User’s feedback is welcome and encouraged. User may submit feedback by emailing us at info@Meritam.org. User agrees, however, that (i) by submitting unsolicited ideas to us or any of our employees or representatives, by any medium, including but not limited to email, written, or oral communication, User automatically forfeits User’s right to any intellectual property rights in such ideas; and (ii) such unsolicited ideas automatically become our property. User hereby assigns and agrees to assign all rights, title, and interest User has in such feedback and ideas to us together with all intellectual property rights therein. In addition, User warrants that all moral rights in any feedback have been waived, and User does hereby waive any such moral rights.
User can also contact us by phone at 612.888.6363 or via physical mail at:
488 Madison Avenue
New York, NY 10022