Terms of Service
Provider: Meritia Technologies Ltd, a private company registered in the Dubai International Financial Centre (DIFC Commercial Licence No. CL14430), registered office GA-00-SZ-L1-RT-164, Level 1, Gate Avenue – South Zone, Dubai International Financial Centre, Dubai, United Arab Emirates, trading as Meritia. Contact: legal@meritia.io Last updated: 7 October 2026 · Version: 1.2 — governing law is now the DIFC (previously Spain); provider details completed; §3 wording aligned with our DIFC undertaking
1. What these terms cover
These terms are the contract between you and Meritia for the use of the Meritia platform — the web application, the mobile application, and the services behind them. By creating an account you accept them. If you use Meritia on behalf of a company or other entity, you confirm you are authorised to bind it, and "you" means that entity.
Tenants who use the tenant app do not enter this contract; their relationship is with their landlord, and their data is covered by the separate Tenant Privacy Notice.
2. The service
Meritia is a portfolio, tax and compliance platform for people who own real estate across more than one country. It records your properties, leases, mortgages, income and expenses; computes tax estimates, simulations, risk scores and holding-structure comparisons from that data and from a database of tax law that we maintain; and offers a tenant app, a marketplace of professionals, and regulatory intelligence.
We work hard to keep the underlying tax data accurate and current. It is researched from primary sources, cross-checked, and every rule carries a reference to the law it came from. It is nonetheless a database maintained by a small team, covering dozens of jurisdictions whose rules change continuously.
3. Not professional advice — read this section
Every figure Meritia produces is an estimate, not advice. Tax estimates, simulations, projections, risk scores, structure comparisons and recommendations are computed automatically from the data you enter and the law on file. They are provided to help you understand and plan, and they:
- may be incomplete, out of date, or wrong for your specific circumstances;
- do not account for facts we do not hold about you;
- are not tax, legal, financial or investment advice, and do not create an adviser–client relationship;
- must not be relied on as the sole basis for any decision with financial or legal consequences.
You must obtain independent professional advice from a qualified professional in the relevant jurisdiction before acting on anything Meritia shows you. Professionals listed in the marketplace are independent of Meritia; we do not vouch for their advice, and your engagement with them is between you and them.
4. Your account
You must be at least 18 and provide accurate information. You are responsible for keeping your credentials confidential and for everything done under your account. Enable two-factor authentication in Settings; we recommend it. Tell us at once at security@meritia.io if you believe your account has been compromised.
5. Team members and delegates
You may invite others (property managers, advisers, co-owners) and grant them access to some or all of your portfolio. You are responsible for who you invite and for what you let them see. Their actions within the access you granted are treated as yours. Revoke access in Settings when it is no longer needed.
6. Your tenants
If you use the tenant app, you are the data controller for your tenants' personal data and Meritia is your processor. You are responsible for having a lawful basis to process it, for responding to your tenants' rights requests (Meritia provides the tools), and for choosing a document-retention setting appropriate to the law of the property's country. Meritia will process tenant data only on your instructions as expressed through the platform, and will assist you with rights requests and breach obligations.
7. Connected services
You may connect third-party services (for example a short-term-rental channel manager via Calry, or payments via Stripe). Those services have their own terms. Meritia imports the data they expose to keep your records current; you are responsible for the accuracy of what they send and for your obligations to the people whose data they contain (for example short-term-rental guests).
8. Free month, subscriptions and payment
Free month. A new investor account starts with a free month from the day its setup is completed: one property in one country, without holding companies, with the analysis pages (risk, scenarios, analyzer, structure optimizer, exit tax, currency exposure) closed until a payment card is on file. When the month ends without a plan, the account is closed to everything except your profile, settings and subscription page; your data is kept for six months from that date and then deleted, unless you choose a plan or delete the account earlier.
Adding a card during the free month. You may choose a plan and add a card at any time during the month. Nothing is charged until the free month ends; the plan opens in full immediately. You can cancel before the end of the month, in the app or through Stripe, and nothing is charged. If fewer than two days remain when you add the card, the plan starts on the day the month ends.
Subscriptions. Prices, billing periods and what each plan includes are shown at the point of purchase. Payments are taken by Stripe; Meritia does not store card details. Subscriptions renew automatically until cancelled in Profile → Subscription; cancellation takes effect at the end of the current billing period. Where consumer law gives you a right of withdrawal, that right is unaffected. Prices may change with at least 30 days' notice before the next renewal.
Codes. We may issue codes that extend the free month, grant access for a period, or discount a plan. One code per account. A code is personal to the account it was given to and may be withdrawn if misused.
8a. Referral programme
Paying users receive a referral code and link. When someone opens an account through them and later pays for a plan:
- the new customer pays half of their first paid month (on an annual plan, one month is free); the free month itself is never discounted;
- the referrer receives credit equal to half of one month of the new customer's plan, whatever the billing interval, when the new customer pays their second invoice (on an annual plan, thirty days after the first invoice is paid).
Credit is applied automatically against the referrer's future Meritia invoices. It is not money: it cannot be paid out, transferred or exchanged, and it lapses if the referrer's account is deleted. No credit is given where the two accounts share an email address, a payment card or a Stripe customer, or for any account other than a genuine new customer. A refund or a chargeback on the new customer's invoice reverses the credit. We may withhold or reverse credit and withdraw codes where we reasonably believe the programme is being abused, and we may change or end the programme with notice; credit already granted is honoured.
9. Your data and your content
You keep ownership of the data and documents you put into Meritia. You grant us the licence needed to store, process and display them to provide the service. How we process personal data is described in the Privacy Policy at /privacy, which forms part of these terms. You can export your data and delete your account at any time from Settings → Privacy.
10. Acceptable use
You must not use Meritia to break the law, to infringe others' rights, to upload malicious code, to probe or overload our systems, to scrape our tax database for redistribution, to impersonate anyone, or to store data you have no right to hold. We may suspend an account that does.
11. Intellectual property
The platform, its design, its tax-rule database and its documentation are owned by Meritia or its licensors. These terms give you a personal, non-exclusive, non-transferable right to use them for managing your own portfolio, and nothing more. Feedback you give us may be used without obligation to you.
12. Availability and changes
Meritia is provided as it is. We aim for high availability but do not promise uninterrupted service; maintenance, outages and third-party failures happen. We may change, add or withdraw features. Where a change materially reduces what a paid subscription includes, you may cancel and receive a pro-rata refund for the remaining period.
13. Disclaimers
To the extent the law allows, Meritia is provided without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose and non-infringement. Section 3 applies to every computed output. Nothing in these terms excludes rights you have as a consumer that cannot be excluded.
14. Liability
To the extent the law allows: Meritia is not liable for loss of profit, revenue, data or opportunity, or for indirect or consequential loss; and our total liability to you for all claims in any 12-month period is limited to the fees you paid us in that period, or €100 if you paid none. Nothing limits liability for death or personal injury caused by negligence, for fraud, or for anything that cannot be limited by law.
15. Termination
You may close your account at any time from Settings → Privacy → Delete account; deletion is immediate and irreversible, subject to the retention rules in the Privacy Policy. We may suspend or close an account for breach of these terms, for non-payment, or where required by law, giving notice where reasonable. Sections 3, 9, 11, 13, 14 and 16 survive termination.
16. Governing law and disputes
These terms are governed by the laws of the Dubai International Financial Centre (DIFC), Dubai, United Arab Emirates. The DIFC Courts have exclusive jurisdiction over any dispute arising from these terms or the Service, including, for claims within its limits, the DIFC Courts' Small Claims Tribunal.
If you are a consumer, nothing in this section takes away the protection of the mandatory consumer-protection law of the country where you live, and you may bring a claim before the courts of that country. For consumers, the jurisdiction of the DIFC Courts is non-exclusive.
17. Changes to these terms
Material changes bump the version and require re-acceptance in-app before continued use, exactly as the Privacy Policy does. Your consent records keep the version history.