Terms of use

Effective October 11, 2026 · closed beta version · versión en español

By using Meridiano you accept these terms. If you do not agree, do not use the app. Questions: hola@meridianoapp.com.

What Meridiano is

A tool to organize your personal budget by pay period (the 15th and the 25th). It shows figures calculated from what you enter and from the bank notifications you allow it to read.

What it is not

• It is not a bank or financial institution, and it does not hold, move or invest your money.
• It is not financial, tax or legal advice. Decisions about your money are yours.
• Figures depend on available information; your bank is always the official source of your balance.

Your account

You must be 18 or older. You are responsible for your account and for keeping the device you use secure. You can stop using Meridiano and ask us to delete your account at any time.

Beta

Meridiano is in closed beta: it may have errors, change or stop being available. It is free during the beta. If there is a price in the future, we will tell you first and you can decide whether to continue.

Acceptable use

Do not use Meridiano for anything illegal, to access accounts that are not yours, or to try to break its security.

Your data

Your data is yours. How we use and protect it is in the privacy policy.

Liability

Meridiano is provided «as is». To the extent permitted by law, Umbra Studio is not liable for decisions made based on the app's figures or for indirect losses.

Changes

If we change these terms in an important way, we will tell you in the app or by email before they apply.