Terms of Use

1. Agreement to Terms

These Terms of Use (“Terms”) govern your use of the MERENA website, MERENA and MERENA+ (including MERENA+ Family), our mobile application, the MERENA browser extension, and our emails, text messages and notifications (collectively, our “Services”). By accessing or using our Services, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our Services.

2. Eligibility

You must be at least 18 years old, and able to form a binding contract, to create a MERENA account or subscribe to MERENA+. Our Services are intended for use in the United States.

3. Use License

3.1 Permission for Use

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes. This license does not include:

• Modifying or copying the materials
• Using the materials for any commercial purpose
• Attempting to decompile or reverse engineer any software contained in the Services
• Removing any copyright or other proprietary notations from the materials
• Transferring the materials to another person or “mirror” the materials on any other server

3.2 Termination of License

This license shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession.

4. Account Registration and Security

4.1 Account Creation

To access certain features of our Services, you may be required to create an account using your email address or your Google account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account and password
• Restricting access to your computer or device
• Accepting responsibility for all activities that occur under your account

You agree to notify us immediately of any unauthorized access to or use of your account.

4.3 Personal Information

Any personal information you provide in connection with your use of the Services is governed by our Privacy Policy.

5. MERENA Is Not a Guarantee

MERENA provides cybersecurity information, alerts and guidance to help you protect yourself online. It does not monitor all of your accounts or devices, and it cannot detect, prevent or warn you about every threat, breach, scam or fraud. Your Safety Score is an estimate based on the information you give us and is not a measure of whether you are safe. Alerts may arrive late, or not at all, because of delays in the information available to us or in delivering emails, texts and notifications. Our Services are not legal, financial or professional advice, and they are not a substitute for contacting your bank, the affected company, or law enforcement.

6. MERENA+ Subscriptions and Billing

6.1 Plans and Payment

MERENA+ is a paid subscription, billed monthly or annually at the price shown when you subscribe, plus any applicable taxes. Payments are processed by Stripe. By subscribing, you authorize us to charge your payment method for each billing period until you cancel.

6.2 Automatic Renewal

Your subscription renews automatically at the end of each billing period, monthly or yearly, and your payment method is charged the then-current price for the next period unless you cancel before the renewal date.

6.3 Free Trials

Some plans include a free trial, as shown when you subscribe. If you do not cancel before the trial ends, your subscription begins and your payment method is charged the plan price on the date shown at checkout, and the subscription then renews automatically as described above. If you cancel before the trial ends, you will not be charged.

6.4 Cancellation

You can cancel at any time from the Billing section of your MERENA account, or by emailing us. When you cancel, your subscription stays active until the end of the current billing period and does not renew. Deleting your MERENA account cancels your subscription immediately and ends your access to MERENA+ at that time.

6.5 Refunds

Payments are non-refundable, and we do not provide refunds or credits for partial billing periods, unused time, or a subscription that has renewed, except where required by law. If you believe you were charged in error, contact us at info@merena.com and we will review it.

6.6 Price Changes

We may change the price of MERENA+. We will notify you before a price change applies to your subscription, and it will take effect at your next renewal. If you do not agree to the new price, you can cancel before it takes effect.

6.7 Failed Payments

If a payment fails, we may retry it, and we may suspend or end your access to MERENA+ until it is paid.

7. MERENA+ Family

MERENA+ lets you add a limited number of people to your household, as shown in your account. You are the owner of your household and are responsible for the information you add about the people in it. You may only add a person, or add or monitor their online accounts, if you are their parent or legal guardian or you have their permission, and you agree to confirm this each time you add someone. Household members do not have their own MERENA account, and their access to MERENA+ features ends if your subscription ends or you remove them.

8. Text Messages and Emails

If you give us your mobile number and agree to receive texts, you agree that MERENA may send you security alert texts, reminders and occasional updates at that number, including by automated means. Consent is not a condition of any purchase. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, START to resume, or HELP for help. Carriers are not liable for delayed or undelivered messages. Only give us a phone number that you own or are authorized to use, and tell us if you give up that number.

8.1 Marketing Texts

Marketing texts are separate from security alert texts and are optional. If you tick the marketing-texts box next to the phone field on a MERENA form, you agree that MERENA may send you text messages about MERENA products, promotions and security tips at that number, including by automated means. You do not have to agree to receive marketing texts to receive alert texts or to buy anything. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Carriers are not liable for delayed or undelivered messages. See our Privacy Policy for how we handle your mobile number and consent.

You can choose which emails we send you in your notification settings or by using the unsubscribe link in any email. We will still send emails about your account and subscription.

9. Mobile App, Browser Extension and Connected Accounts

The MERENA browser extension and features that connect to other services, such as signing in with Google or connecting a mailbox for Account Finder, work only as described in our Privacy Policy and only with your permission. Your use of those other services remains subject to their own terms. You may remove the extension or disconnect a connected service at any time. Do not connect a mailbox or account, or scan an email export, that you are not authorized to use.

If you get the MERENA Android app from Google Play or the browser extension from the Chrome Web Store, that store's own terms also apply to the download. These Terms govern your use of MERENA itself.

10. User Content

10.1 Content Submission

When you submit content to our Services, including profile information, messages, screenshots and other images, and feedback, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and adapt such content for the purpose of providing and improving our Services, as described in our Privacy Policy. We will not publish your content or use it to promote our Services without your permission.

10.2 Content Restrictions

You agree not to submit content that:

• Is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or invasive of another's privacy
• Infringes on any patent, trademark, trade secret, copyright, or other intellectual property rights
• Contains software viruses or any other computer code designed to disrupt, damage, or limit the functioning of any computer software or hardware
• Impersonates any person or entity, or falsely states or otherwise misrepresents your affiliation with a person or entity
• Constitutes unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” or any other form of solicitation

You also agree not to share alerts with people who have not asked to receive them, or to use the Services to send messages to anyone without a legitimate reason.

10.3 Content Monitoring

We have the right, but not the obligation, to monitor, edit, or remove any activity or content. We take no responsibility and assume no liability for any content posted by you or any third party.

11. AI-Generated Content

11.1 Nature of AI Services

Our Services use generative artificial intelligence, including MERENA's chat, to answer your questions and provide guidance. MERENA may suggest changes to your profile, but makes them only if you choose to apply them.

11.2 Limitations and Disclaimer

You acknowledge and agree that:

• AI-generated content is provided “as is” without any guarantees of accuracy, completeness, or fitness for a particular purpose
• We do not warrant that AI-generated content will be error-free or reliable
• You are solely responsible for evaluating and verifying any information or content provided through our AI services
• You will use your judgment and discretion when relying on AI-generated content

11.3 Prohibited Uses of AI Features

You agree not to use our AI features to:

• Generate, request, or distribute harmful, illegal, or unethical content
• Attempt to manipulate the AI system to bypass our content restrictions
• Scrape or extract large amounts of data from the AI system
• Use the AI system in a way that places an unreasonable load on our infrastructure

12. Affiliate Links and Third-Party Content

12.1 Affiliate Relationships

Our Services may display information about vendors and products, some of which we have affiliate relationships with. When you click on affiliate links or make purchases through them, we may earn a commission.

12.2 Third-Party Links

Our Services may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

12.3 Use of Third-Party Content

You acknowledge and agree that we are not responsible or liable for any damage or loss caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services.

13. Disclaimer of Warranties

13.1 Services Provided “As Is”

Our Services and the materials in them are provided on an ‘as is’ basis. We make no warranties, expressed or implied, and hereby disclaim and negate all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

13.2 Accuracy and Reliability

We do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials in our Services or otherwise relating to such materials or on any websites linked to our Services.

14. Limitations of Liability

In no event shall we or our suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use our Services, even if we or an authorized representative has been notified orally or in writing of the possibility of such damage.

15. Indemnification

You agree to indemnify, defend, and hold harmless our company, its affiliates, officers, directors, employees, consultants, agents, and representatives from any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your violation of these Terms of Use or the Privacy Policy, including any information you provide about another person.

16. Modifications and Interruptions

16.1 Changes to Services

We reserve the right at any time to modify or discontinue, temporarily or permanently, our Services (or any part thereof) with or without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, or discontinuance of our Services. If we discontinue MERENA+ entirely, we will refund the unused portion of any prepaid subscription.

16.2 Outages and Interruptions

We are not responsible for any outages or interruptions of our Services or damages caused by such outages or interruptions.

17. Governing Law

These Terms shall be governed and construed in accordance with the laws applicable in Colorado, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

18. Dispute Resolution

A good faith attempt to resolve any disputes must be made before the escalation of any claim or dispute. Please email us (info@merena.com) with a description of your issue, any other pertinent information, and the resolution you seek.

You agree that all claims, with the exception of claims related to intellectual property, will be resolved by binding arbitration administered by the American Arbitration Association. If your claim qualifies under small claims court, you may also bring your claim there. For any claim that is not arbitrated or resolved in small claims court, you agree that it will be resolved exclusively in the state courts located in Colorado Springs, Colorado or the U.S. District Courts in El Paso County, Colorado. You expressly waive a trial by jury.

19. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. All revised terms will be published on our website, and if a change is material we will notify you by email or through our Services before it takes effect.

By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using our Services and cancel any subscription.

20. Termination

20.1 Termination by Us

We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

20.2 Termination by You

You may stop using our Services at any time, and you can delete your account from your account settings. Deleting your account cancels any subscription immediately, as described in Section 6.4.

20.3 Effect of Termination

Upon termination, your right to use our Services will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

21. Contact Information

If you have any questions about these Terms, please contact us at: info@merena.com