WHAT DOES MERATAS DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we may collect and share depend on the product or service you have with us. This information can include: (i) social security number and income; (ii) account balances and payment history; and (iii) transaction or loss history and employment information.

When you are no longer our customer, we may continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday operations. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Meratas chooses to share; and whether you can limit this sharing.

REASONS WE MIGHT SHARE YOUR PERSONAL INFORMATION

For our everyday business purposes, such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

To potentially offer our products or services to you.

WHO WE ARE

Who is providing this notice? Meratas Inc., a New York corporation.

WHAT WE DO

How does Meratas protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Meratas collect my personal information?

We collect your personal information, for example, when you:

open an account and send or receive money

pay your bills and give us your income information

provide account information and give us your contact information

pay us by check and give us your wage statements

We also collect your personal information from other companies, credit bureaus or affiliates.

WHY CAN’T I LIMIT ALL SHARING?

Federal law gives you the right to limit only:

sharing for affiliates’ everyday business purposes -- information about your credit worthiness affiliates from using your information to market to you

sharing for non affiliates to market to you

DEFINITIONS

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.

Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. Meratas does not share with non-affiliates so they can market to you.

Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. Meratas doesn’t jointly market.

Meratas may use specific tools from Google AdWords to help market ourselves. This includes the following information:

Google AdWords features are based on Remarketing with Google Analytics and is used to advertise Meratas online. This is done by remarketing the Company to reach people who previously visited our website, and match these people with the correct message from the Company.

Third-party vendors, including Google, may show our ads on sites across the Internet.

Meratas and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on someone's past visits to your website.

Visitors can opt out of Google's use of cookies by visiting Google's Ads Settings. Alternatively, opt out of a third-party vendor's use of cookies by visiting the Network Advertising Initiative opt-out page.

Financial Institution Verification

Meratas may use certain non-affiliate technologies, such as Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Meratas and Plaid the right, power and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored and processed by Plaid in accordance with the Plaid Privacy Policy.

Terms of Service

Welcome to the Meratas Inc. (“Meratas” or "Company") website Terms and Conditions. We recommend visitors carefully review our Terms and Conditions before using our Sites, Services or Products.

If you have any questions or concerns regarding these Terms and Conditions, please don’t hesitate to contact us at legal@meratas.com.

Meratas provides an online platform that allows users to apply for and receive quotes for (collectively the “Service”) income share agreements (“ISAs” or “Products”). If approved, Meratas will advance funds and, in return, you will agree to make payments to Meratas. The amounts due to Meratas may be more, or less, than the amount of our investment. Your payment obligations are calculated based on your performance—your income. The higher your income, the higher the monthly payment will be. The lower your income, the lower the monthly payment will be. In certain circumstances, you may not have to make any monthly payments, such as during periods of involuntarily unemployment. Certain situations of voluntary unemployment may extend your contract term, as further set out in your ISA. If you are approved, the terms of your ISA will be set forth more fully in your ISA.

As used in this Agreement, the words “you” and “your” refer to you, the user of Meratas’ website, Service or Products, as the party agreeing to these Terms and Conditions. The words “we,” “us,” “our” and any other variation thereof refer to Meratas. The term “Sites” includes this website currently found at https://www.Meratas.com/ and/or any successor websites and applications that we operate and which link to these Terms and Conditions, pages within each such Site or application, any equivalent mirror, replacement, substitute or backup website or application, and pages that are associated with each such website or application. The use of the word “including” in these Terms and Conditions to refer to specific examples will be construed to mean “including, without limitation” or “including but not limited to” and will not be construed to mean that the examples given are an exclusive list of the topics covered.

These Terms and Conditions constitute a legally binding agreement (this “Agreement”) between you and Meratas (each a “Party,” and collectively the “Parties”). Please read the Terms and Conditions carefully before using or accessing the Service and/or Products.

  1. ACCEPTANCE OF AGREEMENT
    By accessing or making use of the Sites and/or Service, you agree to, and are bound by, the terms and conditions of this Agreement for as long as you continue to use the Sites or Service. If you do not agree to be bound by this Agreement, do not continue use the Sites or Service. Please note that certain uses of the Sites or Service may be subject to a separate agreement that will be provided to you prior to such use. No quotes for Products will be provided to you prior to your completion of the Application as further defined under Section 7 hereof.

    By submitting an application for ISA funding (“Application”), or by otherwise accessing or making use of the Sites or Service, you acknowledge and agree that:

    you have read and understand all of the provisions set forth in this Agreement;

    you will be bound by all of the provisions set forth in this Agreement and all of the provisions set forth in our Privacy Policy as discussed further in Section 4 hereof;

    you are at least eighteen (18) years of age;

    you have the right, authority and capacity to enter into this Agreement and to abide by all terms and conditions of this Agreement;

    you are a resident of one of the fifty (50) states of the United States, or a resident of Washington D.C.; and this Agreement is the legal equivalent of a signed, written contract between you and Meratas.

  2. AMENDMENTS

    This Agreement may be changed, modified, supplemented or updated by Meratas from time to time without advance notice by posting such changes, modifications or supplements to this Agreement on the Sites and you will be bound by any such changed, modified, supplemented or updated terms and conditions of this Agreement if you continue to use the Sites or Service after such changes are posted. Unless otherwise indicated, any new Service added to the Sites will also be subject to this Agreement effective upon the date of any such addition. You are encouraged to review the Sites and this Agreement periodically for updates and changes. The most current version of this Agreement will be effective as of the date specified in the 'Last Updated' notice set forth above.

  3. DEFINITIONS AND INTERPRETATION

    3.1 Defined Terms. Unless the context requires otherwise, capitalized terms in this Agreement shall have the following meanings:

    “Affiliate” means, with respect to a Party, any person, firm, corporation, partnership (including, without limitation, general partnerships, limited partnerships, and limited liability partnerships), limited liability company, or other entity that now or in the future, directly controls, is controlled with or by or is under common control with such Party.

    “Applicable Law” means all federal and state laws, including regulations, applicable to the activities and obligations contemplated under this Agreement, as the same may be amended and in effect from time to time during the Term. Meratas only offers its Services, Products, and ISAs in certain states due to legal restrictions. Your ISA will be subject to a choice-of-law provision and that state’s law will govern your ISA. When you apply for our Service, obtain a Product, or enter into an ISA, you will be required to provide your state of residence. We may unable to offer you any Service, Products, or ISAs, depending on the state of residence.

    “Application Information” means personal information submitted by you to Meratas in connection with a request for a quote as further described in Section 7 of this Agreement and as set forth on the Application page of the Sites found at https://www.Meratas.com.

    “Contact Information” means your personal contact information as provided to us by you and includes but is not limited to your name, physical address, email address and phone number.

    “Content” means any text, pictures, graphics, logos, button items, images, works of authorship and other content (collectively with all information about the Service and Products).

    “Service” means the service provided by Meratas to you with respect to your obtaining a quote for the Products, as described further in Section 7. The term Service does not include the Products or any funding obtained pursuant to the terms and conditions of the Products.

    3.2 Interpretation. our References to Sections and applicable appendices are to be construed as references to the Sections of, and appendices to, this Agreement, unless otherwise indicated. The singular includes the plural, and the plural includes the singular. All references to “hereof,” “herein,” “hereunder” and other similar compounds of the word “here” shall mean and refer to this Agreement as a whole rather than any particular part of the same. The terms “include” and “including” are not limiting. Unless designated as Business Days, all references to “days” shall mean calendar days.

  4. PRIVACY

    You acknowledge and agree to the terms and conditions of Meratas' Privacy Policy (available at https://www.Meratas.com), which is incorporated by reference into this Agreement as if it were set forth herein in its entirety. The Privacy Policy describes our collection and possible use of information provided to us by you. By using the Sites, Service or Products, you agree to, and are bound by, the terms of the Privacy Policy.

  5. ACCURACY OF AND CHANGES TO YOUR INFORMATION

    You agree to provide accurate Application and Contact Information when using the Sites or Service. You further agree to promptly update all your Application Information or Contact Information whenever the information provided to us by you is or becomes inaccurate. You can update your information by contacting us at info@Meratas.com. We are not responsible for any Service-related or Product-related issues or errors arising from your failure to submit or maintain current and accurate Application or Contact Information. If we determine, in our sole discretion, that you have failed to submit or maintain current and accurate Application or Contact Information, we may suspend or terminate your access to the Sites or Service.

  6. DISCLOSURE AND CONSENT TO ELECTRONIC COMMUNICATIONS

    6.1 Consent to Electronic Communications. When you access or make use of the Sites or the Service or submit an Application for the Products, you understand and agree that you are entering into this Agreement electronically and that certain categories of information (“Communications”) may be provided by Meratas to you by electronic means (i.e., via email, through the Sites or Products by displaying links to notices generally on the Sites) unless and until you withdraw your consent or “opt out” as described below. You understand that the Communications referenced in this Section 6.1 do not include SMS text messages and you are not required to give us your consent to receive any SMS text messages as a condition of using the Sites or Service. You agree that all agreements, notices, disclosures and other Communications that we provide to you electronically satisfy any legal requirement that such Communications be in writing. You further agree that any notices provided by us electronically are deemed to be given and received on the date we transmit any such electronic communication as described in this Agreement. The categories of Communications that may be provided by electronic means include:

    changes to this Agreement including any amendments, modifications, or supplements.

    disclosures or notices provided in connection with the Products, including any required by Applicable Law.

    any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Products; and any other communication related to the Sites or Products.

    Although Meratas reserves the right to provide Communications in paper format at any time, you agree that Meratas is under no obligation to do so unless you first notify us, in writing, of your decision to opt out of receiving Electronic Communications and request Communications in a paper format. All Communications in either electronic or paper format will be considered to be “in writing.” You should print a paper copy of this Agreement and any Communication that is important to you and retain the copy for your records. If you do not wish to enter into this Agreement electronically, you may not use the Sites or Service.

    6.2 Timing of Communications. Any Communications will be deemed to have been received by you no later than five (5) Business Days after Meratas sends it to you by email or posts it on the Sites, whether or not you have received the email or retrieved the Communication from the Sites. An electronic communication by email is considered to be sent at the time that it is directed by Meratas’ email server to your email address. You agree that these are reasonable procedures for sending and receiving electronic Communications.

    6.3 Updated Contact Information. You agree to promptly update your Application and/or Contact Information if such information changes so that Meratas may contact you electronically. You may update your Application and/or Contact Information, such as your email address, as described in Section 5 of this Agreement. You understand and agree that if Meratas sends you an electronic Communication, but you do not receive it because the email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Meratas will be deemed to have provided the Communication to you.

    6.4 System Specifications. In order to access, view, and retain electronic Communications that Meratas makes available to you, you must have access to: (a) a computer with an Internet connection; (b) a current web browser that includes 128-bit encryption with cookies enabled; (c) Adobe Acrobat Reader version 8.0 and above to open documents in .pdf format; (d) sufficient electronic storage capacity on your computer’s hard drive or other data storage unit to save past Communications and/or an installed printer to print them; and (e) an email account with an Internet service provider and email software. Your access to this page through your device verifies that your device meets these requirements.

    6.5 Reservation of Rights. Meratas reserves the right, in its sole discretion, to discontinue the provision of electronic Communications to you, or to terminate or change the terms and conditions under which Meratas provides electronic Communications. Meratas will provide you with notice of any such termination or change as may be required by law.

  7. THE SERVICE

    7.1 Description of the Service. The Sites provide a platform that allows you to submit applications and receive quotes for the Products using a combination of your Application and/or Contact Information which, if satisfactory, qualifies you to receive a quote for the Products. You may use the Service to submit an Application and request a quote at any time by providing Meratas with the required Application Information at https://www.Meratas.com. Application Information may include, but is not limited to your name and address, date of birth, phone number, current credit score, amount and intended purpose of funding sought, personal financial information and educational information (the “Application Information”). You agree to provide true, accurate, current and complete Application Information. By providing the Application Information to Meratas, you authorize us to prepare a quote for the Products based solely upon the Application Information. Meratas reserves the right to obtain this information at any time during your use of the Service or Products until either you or Meratas terminate its rights under this Agreement. If any of the Application Information does not match information we subsequently obtain from third-party sources pursuant to this Agreement or any subsequent agreement entered into between you and us, you may elect to modify any of the Application Information. You further acknowledge and agree that, by providing your express authorization pursuant to your submission of the Application Information through the application portion of the Site, Meratas may, with your consent, request a credit report on your behalf from third-party credit reporting services.

    7.2 Our Use of the Application Information. You authorize us to use and access the Application Information for all purposes related to the Service and/or Products, provided that such use and access by us shall be used solely for the purpose of providing the Service and/or Products to you. Application Information shall remain available to you during the Term, but any information obtained from you during the Term shall remain the property of Meratas.

    7.3 Fees. We do not charge you any fee to apply for the Service.

  8. RIGHT TO MONITOR

    Meratas neither actively monitors general use of the Sites under normal circumstances nor exercises editorial control over the content of any third party's website, e-mail transmission, news group, or other material created or accessible over or through the Sites. However, Meratas does reserve the right to monitor such use at any time as it deems appropriate and to remove any materials that, in the Company's sole discretion, may be illegal, may subject the Company to liability, may violate this Agreement, or are, in the sole discretion of Meratas, inconsistent with Meratas' purpose for the Sites.

  9. NO OWNERSHIP EDITORIAL CONTROL OF THIRD PARTY CONTENT; NO STATEMENT AS TO ACCURACY

    To the extent that any of the Content included in the Sites is provided by third party content providers, Meratas has no editorial control or responsibility over such Content. Therefore, any opinions, statements, products, services or other information expressed or made available by third party suppliers on the Sites are those of such third party suppliers. Meratas does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Content displayed on the Sites or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with Meratas.

  10. LIMITED LICENSE; RESTRICTIONS ON USE

    10.1 Limited License and Site Access; All Rights Reserved. The Sites are controlled and operated by Meratas Inc., 317 West Ave., # 113343, Stamford CT 06902. All material on the Sites, or any other website owned, operated, licensed or controlled by Meratas, including, but not limited to images, illustrations, audio clips, and video clips (“Meratas Material”), is the intellectual property of Meratas or of other parties that have licensed their material to Meratas. Unless granted written permission by Meratas, Meratas Material may not be used for nonpersonal or commercial purposes and may not be copied, reproduced, republished, downloaded, posted, transmitted, or distributed in any way. Meratas hereby grants you a limited license to access and make personal use of the Sites, but not to download (other than page caching) or modify the Sites, or any portion of the Sites, except with express written consent of Meratas. This license does not include any resale or commercial use of the Sites or the Content; any collection and use of any listings, descriptions, or prices; any derivative use of the Sites or the Content; or any use of data mining, robots, or similar data gathering and extraction tools. No portion of the Sites may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of Meratas. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Meratas without Meratas’ express written consent. You may not use any meta-tags or any other “hidden text” utilizing any of Meratas’ name(s) or service marks without the express written consent of Meratas. We (or the respective third party content) retain all right, title, and interest in the Sites and any Content, features, Products and Services offered on the Sites, including any and all intellectual property rights. We (or the respective third party content) reserve all rights not expressly granted. Any unauthorized use terminates the permission or license granted by Meratas.

    10.2 No Modification of Meratas Material. You are not to modify any Meratas Material. Modification of Meratas Material, including, but not limited to, removal of copyright, trademark or other notice of proprietary rights, or use of any Meratas Material for any purpose is a violation of this Agreement as well as laws protecting copyrights and other proprietary rights. For purposes of this Agreement, unless granted written permission by Meratas, the use of any Meratas Material on any other computer related environment is prohibited.

  11. COPYRIGHT; DCMA

    11.1 Copyright. Except as otherwise expressly stated, all Content appearing on the Sites is the copyrighted work of Meratas or its third party content suppliers and is protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content is also the exclusive property of Meratas and is protected by U.S. and international copyright laws.

    You may download information from the Sites and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from the Sites, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of Meratas or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by Meratas. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Meratas does not warrant or represent that your use of Content, Products and Services or any other materials displayed on the Sites will not infringe rights of third parties.

    11.2 Copyright DMCA. Meratas respects the intellectual property of others, and we require our users to do the same while using the Sites. Meratas reserves the right to determine what constitutes inappropriate behavior and to ban offenders at its sole discretion and/or take other action against users who infringe the copyright rights of others.

    If you believe that your work has been copied and is accessible on the Sites in a way that constitutes copyright infringement, you may notify us by providing the following information (as required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act, 17 U.S.C. sec. 512):

    A physical or electronic signature of person authorized to act on your behalf of an exclusive right that is allegedly infringed;

    Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online Site are covered by a single notification, a representative list of such works at that Site;

    Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit Meratas to locate the material;

    Information reasonably sufficient to permit Meratas to contact the complaining party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;

    A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

    A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

    We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, be aware that there can be penalties for false claims. Please send Copyright infringement claim notices to us at the address below:

  12. YOUR USE OF THE SERVICE

    12.1 Use of Service in Accordance with this Agreement and Applicable Law. You will not use the Sites or Service for any illegal purpose. You will only use the Sites or Service in accordance with the terms and conditions of this Agreement and Applicable Law.

    12.2 Responsibility for Application Information. You hereby acknowledge and agree that you are responsible for maintaining accurate and current Application Information. If you believe that your Application Information or a device that you use to access any Site has been lost or stolen, that someone is using the Service using your Application Information without your authorization, or that an unauthorized transaction has occurred, you must notify us immediately at legal@Meratas.com.

    12.3 Prohibited Use. Any use or attempted use of the Sites (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) interfere with any other party’s use and enjoyment of the Sites, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by Meratas to be made accessible to a user, or (vi) attempt to obtain any materials or information through any means not intentionally made available by Meratas, or (vii) any use other than the business purpose for which it was intended, is prohibited.

    In addition, in connection with your use of the Sites, you agree you will not:

    Upload or transmit any message, information, data, text, software or images, or other content (“Material”) that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another’s right of privacy or publicity;

    Create a false identity for the purpose of misleading others or impersonate any person or entity, including, without limitation, any Meratas representative, or falsely state or otherwise misrepresent your affiliation with a person or entity;

    Upload or transmit any material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships ( such as nondisclosure agreements);

    Upload files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or property of another;

    Delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature;

    Use the Sites’ communication features in a manner that adversely affects the availability of its resources to other users (e.g., excessive shouting, use of all caps, or flooding continuous posting of repetitive text);

    Upload or transmit any unsolicited advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of solicitation, commercial or otherwise;

    Violate any applicable local, state, national or international law;

    Upload or transmit any material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party;

    Delete or revise any material posted by any other person or entity;

    Manipulate or otherwise display the Sites by using framing, mirroring or similar navigational technology or directly link to any portion of the Sites other than the main homepage in accordance with the Limited License and Site Access outlined above;

    Probe, scan, test the vulnerability of or breach the authentication measures of, the Sites or any related networks or systems;

    Register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Products and Services if you are not expressly authorized by such party to do so;

    Harvest or otherwise collect information about others, including e-mail addresses; or

    Use any robot, spider, scraper, or other automated or manual means to access the Sites, or copy any content or information on the Sites.

    Meratas reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including, without limitation, the suspension or termination of the user’s access and/or account. Meratas may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Except as may be expressly limited by the Privacy Policy Statement, Meratas reserves the right at all times to disclose any information as Meratas deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Meratas’ sole discretion.

  13. INDEMNIFICATION

    You agree to release, indemnify, and hold harmless Meratas and its Affiliates, and their respective officers, directors, employees and agents, harmless from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way related to: (a) your access to, use of, or inability to use the Site or Service; (b) your breach of this Agreement; (c) your violation of any rights of a third party; (c) your violation of any Applicable Law; or (d) your failure to provide and maintain true, accurate, current and complete Application Information and Contact Information.

  14. WARRANTIES AND DISCLAIMERS

    14.1 Limitation of Liability. YOU UNDERSTAND AND AGREE THAT NEITHER MERATAS NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, SUCCESSORS, AGENTS, AFFILIATES, OR ANY RELATED COMPANIES WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE LOSSES ARISING OUT OF, RELATING TO, OR IN ANY WAY CONNECTED WITH THE SITES, SERVICE OR THIS AGREEMENT, EVEN IF MERATAS HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE SITES, PRODUCTS AND SERVICES OR CONTENT, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS AND SERVICES OBTAINED FROM TRANSACTIONS ENTERED INTO THROUGH THE SITES, OR STATEMENTS OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE SITES, PRODUCTS AND SERVICES OR CONTENT. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SITES AND SERVICES IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE MERATAS DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE SITES.

    CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

    14.2 No Warranties. YOU EXPRESSLY AGREE THAT USE OF THE SITES AND SERVICE IS AT YOUR SOLE RISK. THE SITES, SITE CONTENT AND SERVICE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WITHOUT LIMITING THE FOREGOING AND TO THE FULLEST EXTENT PERMITTED BY LAW, MERATAS, AND ITS OFFICERS, DIRECTORS, EMPLOYEES, PARENTS, PARTNERS, SUCCESSORS, AGENTS, DISTRIBUTION PARTNERS, AFFILIATES, SUBSIDIARIES, AND THEIR RELATED COMPANIES DISCLAIM ANY AND ALL WARRANTIES INCLUDING ANY: (1) WARRANTIES THAT THE SITES AND SERVICE WILL MEET YOUR REQUIREMENTS; (2) WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, SECURITY, USEFULNESS, TIMELINESS, OR INFORMATIONAL CONTENT OF THE SITES, SITE CONTENT OR SERVICE; (3) WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE; (4) WARRANTIES FOR SERVICES RECEIVED THROUGH OR ADVERTISED ON THE SITES OR ACCESSED THROUGH THE SITES; (5) WARRANTIES CONCERNING THE ACCURACY OR RELIABILITY OF THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITES OR SERVICE; (6) WARRANTIES THAT YOUR USE OF THE SITES OR SERVICE WILL BE SECURE OR UNINTERRUPTED; VIRUS-FREE OR ERROR-FREE AND (7) WARRANTIES THAT ERRORS IN THE SITES OR SERVICES WILL BE CORRECTED.

    Meratas does not warrant or make any representations regarding availability, accuracy, reliability, completeness, or timeliness of the materials, services, text, graphics, and or links associated with the Sites. If your use of the Sites or the materials, services, text, graphics, and or links associated with the Sites results in the need for servicing or replacing equipment or data, Meratas is not responsible for those costs.

  15. TERM AND TERMINATION

    15.1 Term. This Agreement shall commence on the date You first access the Site or use the Service and remain in effect until either Party terminates this Agreement in accordance with the terms hereof (the “Term”).

    15.2 Termination Rights of Meratas. Meratas may terminate this Agreement at any time in its sole discretion.

    15.3 Your Termination Rights. You may terminate this Agreement at any time by ending your use of the Site and the Service and notifying Meratas at info@Meratas.com.

  16. GENERAL TERMS

    16.1 Waiver. The waiver by Meratas of a breach of any provision contained herein shall be in writing and shall in no way be construed as a waiver of any subsequent breach of such provision or the waiver of the provision itself.

    16.2 Governing Law; Consent to Jurisdiction; Waiver of Jury Trial. This Agreement will be deemed entered into in New York and will be governed by and interpreted in accordance with the laws of the State of New York, excluding without regard to conflicts of law. The Parties agree that any dispute arising under this Agreement will be resolved in the state or federal courts in the Borough of Manhattan, New York, and the Parties hereby expressly consent to jurisdiction therein. The parties irrevocably waive any and all rights to a trial by jury. Notwithstanding any provision hereof, if you are approved for an ISA, your ISA will be separately governed by the law set forth in the ISA.

    16.3 No Agency Relationship. Neither this Agreement, nor any Content, materials, features, or Products and/or Services of the Sites create any partnership, joint venture, employment, or other agency relationship between us. You may not enter into any contract on our behalf or bind us in any way.

    16.4 Third Party Beneficiaries. Except as limited by Section 16.7, this Agreement and the rights and obligations hereunder shall bind, and inure to the benefit of the Parties and their successors and permitted assigns. Nothing in this Agreement, expressed or implied, is intended to confer upon any person, other than the Parties and their successors and permitted assigns, any of the rights hereunder.

    16.5 Entire Agreement. This Agreement, as may be amended from time to time, and each of its exhibits or appendices, constitute and contain the entire agreement between the Parties with respect to the subject matter hereof and supersedes any prior or contemporaneous oral or written agreements. Each Party acknowledges and agrees that the other has not made any representations, warranties or agreements of any kind, except as expressly set forth herein.

    16.6 Survival. All provisions of this Agreement that by their nature extend beyond the expiration or termination of this Agreement, including, without limitation, Sections 10, 11, and 13 through 16 and definitions herein as applicable to interpretation of the foregoing shall survive the termination of this Agreement.

    16.7 Severability. If any provision of this Agreement (or any portion thereof) is determined to be invalid or unenforceable, the remaining provisions of this Agreement shall not be affected thereby and shall be binding upon the Parties and shall be enforceable, as though said invalid or unenforceable provision (or portion thereof) were not contained in this Agreement.

    16.8 Assignment. Neither this Agreement nor any rights hereunder may be transferred or assigned by either Party without the prior written consent of the other Party, which consent shall not be unreasonably withheld or delayed. Notwithstanding the foregoing, Meratas may assign this Agreement or any rights hereunder without consent: (i) to an entity that acquires all or substantially all of its stock, assets or business; or (ii) to an Affiliate. Except as provided in this section, any attempts by either Party to assign any of its rights or delegate any of its duties hereunder without the prior written consent of the other Party shall be null and void.

    16.9 Contacting Us. If you have any questions about this Agreement, please contact us as described on https://www.Meratas.com/ or at the mailing address provided below. We will attempt to respond to your questions or concerns promptly after we receive them.

Meratas Inc., 317 West Ave, 113343, Stamford CT 06902.

 

Conditions of Use

ELECTRONIC AND TELEPHONE COMMUNICATIONS / TCPA CONSENT

By submitting your information to obtain a Quote and continuing with the application process, you agree to receive communications from Meratas (and/or any person or entity acting on Meratas’ behalf or servicing your agreement for Meratas) in connection with your application. Communication may be sent to any telephone number, email address, or other contact information that you provide in your application or in the future via any current or future means of communication, including but not limited to: automated telephone dialing equipment, as defined by law, the FTC, or the FCC; artificial or pre-recorded voice messages; telephone or other electronic facsimile machine; SMS or text messages; and email directed to you at a mobile telephone service, or email otherwise directed to you. You acknowledge that such communications are informational communications and are not made for the purpose of telemarketing. Meratas (and/or any person or entity acting on Meratas’ behalf or servicing your agreement for Meratas) may use such means of communication even if you will incur costs to receive such telephone messages, telephone calls, SMS or text messages, emails, or other means. If you do not want to receive calls (including SMS text messages) about your account you can unsubscribe by sending an email to admin@Meratas.com with the subject line "STOP Transaction Calls".

ELECTRONIC DOCUMENTS AND SIGNATURES CONSENT

Meratas ("we", "us" or "Meratas") are required to provide You with certain written disclosures, documents, and information related to Your transactions with Meratas ("Required Information"). Under the federal E-SIGN Act and related state laws, with Your consent, we can deliver this Required Information to You electronically and can use electronic signatures in connection with Your transactions with Meratas. This Electronic Documents and Signatures Consent (the "Agreement") relates to Your use of Meratas’ services and Your Income Share Agreement ("FIIA"). Please read the terms of this Agreement prior to giving Your consent, and please maintain a copy of this Agreement for Your records.

By electronically agreeing to, and signing, this Agreement below, You consent and agree to proceed with the review and execution of the all account agreements, disclosures, statements, and documents relating to Your FIIA in electronic format. This includes the use of electronic communications, electronic disclosures, electronic statements, electronic contracts, and electronic signatures (including "check box" style acknowledgements).

If You do not agree to proceed with: (a) the signing of the agreements electronically, (b) the review of disclosures and statements in electronic format, and (c) the receipt of electronic communications from Meratas please decline to execute this Agreement. If You want to proceed with Your FIIA application, You must consent to receiving the Required information electronically before we can provide it to You. Your consent will apply to all Your FIIA applications and all other transactions with us. Your consent permits the general use of electronic records and electronic signatures in connection with all Your transactions with us.

AGREEMENT TO CONDUCT BUSINESS ELECTRONICALLY

By utilizing our Services, You are agreeing: (a) to the presentation of electronic documents, agreements, and disclosures, (b) that such documents are binding contracts, and (c) that You will accept and execute the applicable documents electronically. You acknowledge that all disclosures required by applicable law are being provided to You and may be provided electronically. You may also access and review electronic copies of all electronic documents on our website.

You further agree as follows:

Your execution of this Agreement signifies Your intent to enter into a binding legal agreement, and that Your consent to conduct business electronically applies to all documents that Meratas will provide to You or agreements that You will execute with Meratas.

All documents, including any modifications to such documents, signed using electronic means are as valid and enforceable as if You executed a paper copy using a "wet ink" handwritten signature.

The authoritative copy of the electronically executed documents (the "Authoritative Copy") shall be the electronic copy that resides in Meratas’ document management system or that of its agent. If a paper version of the Authoritative Copy is created, then both the electronic version and paper version shall be considered originals and shall both be an Authoritative Copy.

Paper Copy of Required Information Available Upon Request -

You may print a copy of any Required Information from Your computer or emails. If You consent to receive the Required Information electronically, You can also request a paper copy of the Required Information by contacting us at legal@Meratas.com. We may request that you reimburse us for actual administrative expenses undertaken at your request. Your consent does not mean that Meratas must provide the Required Information electronically - only that it may do so. We may, at our option, deliver Required Information on paper, if we choose to do so. We may also require that certain communications from You be delivered to us, on paper, at a specified address.

If You consent to receive the Required Information electronically, we will contact You at the email address You have provided to us. If You change Your email address, You must provide us with Your new email address either by logging into Your account and updating Your email address or by contacting us by email at admin@Meratas.com

To access the Required Information being provided to Your electronically, You must have the following, which may be updated from time to time:

The ability to receive e-mail that contains hyperlinks to websites in order for us to deliver information to You.

Software which permits You to receive, print and access Portable Document Format or "PDF" files, such as Adobe Acrobat Reader®. If You do not have such software, click here to download a free version of Adobe Acrobat Reader®.

Sufficient electronic storage capacity on Your computer's hard drive or other data storage unit or the ability to print PDF files from Your computer or tablet device.

During the enrollment process, You will be sent a test email that contains Your log-in credentials. You will be required to access and open this email in order to demonstrate Your ability to receive and retain electronic records using the email address that You have provided.

By utilizing our Services, you agree to the terms of this Agreement, effective as of today’s date, and confirm that you have computer software and hardware that meets the requirements above. YOU CONSENT TO (I) RECEIVING REQUIRED INFORMATION ELECTRONICALLY, AND (II) THE USE OF ELECTRONIC RECORDS AND SIGNATURES IN CONNECTION WITH A INCOME SHARE AGREEMENT APPLICATION AND ALL OTHER TRANSACTION(S) WITH MERATAS IN PLACE OF WRITTEN DOCUMENTS AND HANDWRITTEN SIGNATURES. Once You give Your consent, You can view Your documents online or by reviewing Your emails. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM US OVER THE INTERNET.

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