Privacy Policy

1. Information We Collect

We collect personal information in several ways:

Information You Provide Directly

• Contact information (name, address, phone number, email address)
• Financial information (income, assets, liabilities, account numbers, tax information)
• Employment and business information
• Family and household information relevant to financial planning
• Identity verification documents (government-issued ID, Social Security number)
• Information submitted through our website contact forms or consultation requests

Information Collected Automatically

• Website usage data (pages visited, time spent, browser type, device type)
• IP address and approximate geographic location
• Cookies and similar tracking technologies (see Section 7)

Information from Third Parties

• Investment account and custodian data shared through authorized account aggregation services
• Credit and background information where required for client onboarding
• Information from publicly available sources

2. How We Use Your Information

We use personal information for the following purposes:

• Providing advisory services: To deliver investment advisory, financial planning, and related services as described in our client agreements and Form ADV.
• Client communications: To send account statements, performance reports, regulatory disclosures, and other service-related communications.
• Legal and regulatory compliance: To comply with applicable federal and state laws and regulations, including SEC and FINRA requirements, anti-money laundering rules, and tax reporting obligations.
• Website operation and improvement: To operate our website, analyze usage patterns, and improve our online content and services.
• Marketing and business development: To send newsletters, educational content, and information about our services to individuals who have expressed interest. You may opt out of marketing communications at any time.
• Security and fraud prevention: To protect the security of client accounts and our firm's systems.

3. How We Share Your Information

Meridian does not sell personal information to third parties. We may share information in the following circumstances:

• Service providers: We share information with custodians, technology vendors, compliance consultants, and other service providers who assist in delivering our services. These parties are contractually required to protect your information and use it only for authorized purposes.
• Legal requirements: We may disclose information when required by law, court order, subpoena, regulatory inquiry, or other legal process.
• With your consent: We may share information with your accountant, attorney, or other advisers with your written authorization.
• Business transfers: In the event of a merger, acquisition, or sale of the firm, client information may be transferred as part of that transaction, subject to applicable regulatory requirements and client notification obligations.

Regulation S-P (SEC Privacy Rule)

As a registered investment adviser, Meridian complies with Regulation S-P under the Securities Exchange Act of 1934, which governs the privacy of consumer financial information. We provide an annual privacy notice to clients describing our information sharing practices and your right to opt out of certain disclosures to nonaffiliated third parties. Our annual privacy notice is available upon request.

4. How We Protect Your Information

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Access controls limiting information access to authorized personnel with a need to know
• Employee training on data security and privacy obligations
• Regular review and testing of security controls
• Written information security program maintained in accordance with applicable regulations

No security system is impenetrable, and we cannot guarantee the absolute security of your information. In the event of a data breach affecting your personal information, we will notify you as required by applicable law.

5. Data Retention

We retain client records for the period required by applicable law and regulation. SEC rules require registered investment advisers to retain certain records for a minimum of five years, with some records maintained for the life of the firm. We retain other personal information for as long as necessary to fulfill the purposes described in this policy or as required by law.

6. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• Access: The right to request information about the personal data we hold about you.
• Correction: The right to request correction of inaccurate personal information.
• Deletion: The right to request deletion of personal information, subject to applicable legal retention requirements.
• Opt-out of marketing: The right to opt out of marketing communications. You may unsubscribe from email communications using the link included in each marketing email, or by contacting us directly.

Residents of California and certain other states may have additional rights under applicable privacy laws. To exercise any of these rights, contact us using the information in Section 9.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to operate the site and analyze usage. Cookies are small text files stored on your device. We use:

• Essential cookies: Required for basic website functionality.
• Analytics cookies: Used to understand how visitors use our site (e.g., Google Analytics). Analytics data is aggregated and does not identify individual visitors.

You may configure your browser to decline cookies, though doing so may affect website functionality. We do not currently respond to browser "Do Not Track" signals.

8. Third-Party Links

Our website may contain links to third-party websites, including regulatory resources such as the SEC's IAPD database. We are not responsible for the privacy practices or content of third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this policy and, where required by law, provide notice to affected individuals. Your continued use of our website or services after changes become effective constitutes acceptance of the updated policy.