Privacy Policy
Last Updated: June 27, 2025
Merdio ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website merdio.com and use our services, including our webinar platform and financial modeling educational services.
1. Information We Collect
1.1 Personal Information
We may collect personal information that you voluntarily provide to us when you:
Register for an account or webinar
Subscribe to our newsletter
Contact us via email, phone, or messaging services
Participate in interactive features of our platform
Complete surveys or provide feedback
This information may include:
Name and contact details (email address, phone number)
Account credentials (username and password)
Professional information (job title, company name)
Payment and billing information
Communication preferences
Any other information you choose to provide
1.2 Automatically Collected Information
When you access our website and services, we automatically collect certain information about your device and usage, including:
IP address and device identifiers
Browser type and version
Operating system
Pages visited and time spent on pages
Referring website addresses
Date and time of access
Clickstream data and navigation patterns
1.3 Cookies and Tracking Technologies
We use cookies, web beacons, pixel tags, and similar tracking technologies to collect information about your browsing activities. You can control cookie preferences through your browser settings, though disabling cookies may limit certain functionality.
1.4 Information from Third Parties
We may receive information about you from third-party sources, such as social media platforms, payment processors, marketing partners, and publicly available databases.
2. How We Use Your Information
We use the collected information for the following purposes:
Service Delivery: To provide, operate, and maintain our webinar platform and educational services, including account management, webinar registration, live broadcast delivery, and interactive communication tools.
Communication: To send you service-related notifications, respond to your inquiries, provide customer support, and deliver newsletters or promotional materials you have subscribed to.
Payment Processing: To process transactions, manage billing, and prevent fraudulent activities.
Personalization: To customize your experience, recommend relevant content, and tailor our services to your interests and preferences.
Analytics and Improvement: To analyze usage patterns, monitor platform performance, conduct research, and improve our website, services, and user experience.
Security: To protect against unauthorized access, maintain data security, detect and prevent fraud, and ensure platform integrity.
Legal Compliance: To comply with applicable laws, regulations, legal processes, and enforceable governmental requests.
3. How We Share Your Information
We may share your information in the following circumstances:
3.1 Service Providers
We share information with third-party service providers who perform services on our behalf, including payment processors, hosting providers, email delivery services, analytics providers, customer support tools, and marketing platforms. These providers are contractually obligated to protect your information and use it only for the specified purposes.
3.2 Business Transfers
If we are involved in a merger, acquisition, asset sale, bankruptcy, or similar transaction, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.
3.3 Legal Requirements
We may disclose your information when required by law, court order, or governmental regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or respond to legal requests.
3.4 With Your Consent
We may share your information with third parties when you have given us explicit consent to do so.
3.5 Aggregated or De-Identified Data
We may share aggregated, anonymized, or de-identified information that cannot reasonably be used to identify you.
4. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When determining retention periods, we consider:
The nature and sensitivity of the information
The purposes for which we process the information
Legal, regulatory, tax, accounting, or reporting requirements
Whether we can achieve those purposes through other means
When we no longer need your information, we will securely delete or anonymize it.
5. Your Rights and Choices
Depending on your location, you may have certain rights regarding your personal information:
5.1 Access and Portability
You may request access to the personal information we hold about you and receive a copy in a structured, commonly used format.
5.2 Correction
You may request that we correct inaccurate or incomplete personal information.
5.3 Deletion
You may request deletion of your personal information, subject to certain legal exceptions.
5.4 Objection and Restriction
You may object to or request restriction of certain processing activities.
5.5 Withdraw Consent
Where processing is based on consent, you may withdraw your consent at any time.
5.6 Marketing Communications
You may opt out of receiving promotional emails by following the unsubscribe instructions in those emails or by contacting us directly. Please note that you may still receive transactional or service-related communications.
To exercise any of these rights, please contact us using the information provided below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.
6. Security Measures
We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:
Encryption of data in transit and at rest
Access controls and authentication mechanisms
Regular security assessments and audits
Employee training on data protection practices
Secure data storage and backup procedures
However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee its absolute security.
7. International Data Transfers
Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your jurisdiction. When we transfer your information internationally, we implement appropriate safeguards to ensure your information receives an adequate level of protection.
8. Children's Privacy
Our services are not intended for individuals under the age of 16. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information promptly.
9. Third-Party Links and Services
Our website may contain links to third-party websites, services, or applications. We are not responsible for the privacy practices or content of these third parties. We encourage you to review the privacy policies of any third-party services you access.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by updating the "Last Updated" date at the top of this policy and, where appropriate, by sending you an email notification or displaying a prominent notice on our website.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
11. Contact Information
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Merdio
Address: 1055 Rue Ducas #3, Lasalle, Quebec H8N 2V5, Canada
Email: info@merdio.com
Phone: +15196032144
Signal: https://signal.me/#p/+15196032144
Telegram: https://t.me/+15196032144
12. Additional Information
12.1 Automated Decision-Making
We may use automated systems to analyze user behavior and preferences to personalize content recommendations and improve service delivery. You have the right to request human review of automated decisions that significantly affect you.
12.2 Recording and Monitoring
Webinars and live sessions may be recorded for quality assurance, training purposes, and to provide on-demand access to participants. By participating in these sessions, you consent to such recording. You will be notified when recording is taking place.
12.3 User-Generated Content
Any content you submit through interactive features (such as questions, comments, or chat messages during webinars) may be visible to other participants and instructors. Please do not share sensitive personal information through these channels.
12.4 Analytics and Performance Data
We use analytics tools to understand how users interact with our platform. This helps us identify areas for improvement and optimize the user experience. Analytics data is typically aggregated and does not identify individual users.
By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.