Meridian Platform — Terms of Service

Applies to the Meridian Platform administrative portal, the Meridian Member Mobile App and any white-labeled member mobile app (including the app distributed for Genesis), the meridianplatform.com website, and related services.
Effective Date: March 1, 2026 | Last Updated: May 16, 2026 Provider: Meridian Platform LLC, a Florida limited liability company (“Meridian Platform,” “Meridian,” “we,” “us,” or “our”)
Canonical URL: https://meridianplatform.com/terms-and-conditions.html | Contact: info@meridianplatform.com

1. About These Terms

These Terms of Service (the “Terms”) govern access to and use of the Meridian Platform, including the web-based administrative portal (the “Portal”), the Meridian Member Mobile App and any white-labeled instance of that mobile application made available to plan members (the “Mobile App”), the meridianplatform.com website, application programming interfaces, notifications, support channels, and related services (collectively, the “Platform”).

The Platform is provided by Meridian Platform LLC, a Florida limited liability company. Meridian Platform licenses the Platform to customer organizations, including brokers, plan administrators, third-party administrators, healthcare providers, consultant pharmacists, insurance carriers, and employers (each, a “Customer Organization”). A Customer Organization’s name, logo, or branding may appear within the Platform or the Mobile App where the Platform has been white- labeled for that Customer Organization. The Customer Organization’s appearance in branded materials does not change the fact that Meridian Platform LLC is the operator of the Platform and the contracting party under these Terms unless a separate written agreement names a different party.

By creating an account, accessing, or using any part of the Platform, you agree to these Terms. If you do not agree, do not access or use the Platform.

If a separately signed agreement applies between Meridian Platform LLC and a Customer Organization — for example, a Master Services Agreement, Order Form, Business Associate Agreement, or Data Processing Agreement — that signed agreement controls between Meridian Platform LLC and that Customer Organization to the extent it conflicts with these Terms.

2. Definitions

“Customer Organization” has the meaning given in Section 1 and includes any organization that has agreed to use the Platform, whether on a co-branded or white-labeled basis.

“Authorized User” means an individual authorized by a Customer Organization or by Meridian Platform to access the Platform, including portal users (such as administrators, brokers, and provider staff) and plan members who download the Mobile App.

“Customer Data” means data submitted to, uploaded to, generated within, or processed through the Platform by Customer Organizations or Authorized Users, including claim data, member information, communications, documents, and audit logs.

“PHI” means Protected Health Information as defined in the Health Insurance Portability and Accountability Act of 1996, as amended (“HIPAA”), and its implementing regulations.

“Mobile App” means the Meridian Member mobile application made available through the Apple App Store and Google Play, including any white-labeled distribution under a Customer Organization’s brand.

3. Platform Purpose; No Medical Advice

The Platform is an administrative technology system designed to support healthcare benefit and claims workflows. It may be used for member enrollment administration, claim submission and tracking, secure communications, document collection, notifications, and operational reporting.

The Platform does not provide medical advice, diagnosis, treatment, clinical decision support, insurance underwriting, claim approval, or payment determination. Authorized Users should consult qualified medical, legal, compliance, and insurance professionals for decisions outside administrative workflow support.

If you believe you are experiencing a medical emergency, call 911 (or your local emergency number) immediately. The Platform is not designed for, and must not be used for, emergency medical communications.

3.3 Uploaded Documents and Communications

Claim forms, receipts, prescriptions, invoices, enrollment documents, messages, support requests, attachments, and other information submitted by Authorized Users or Customer Organizations.

3.4 System, Security, and Usage Information

Login activity, IP address, device type, operating system, browser or app version, session records, audit trails, access logs, feature usage, error logs, crash reports, diagnostics, and security events.

4. App-Specific Data Collection (Mobile App)

This section describes what the Mobile App collects, processes, and shares. It is kept consistent with Apple App Privacy disclosures and the Google Play Data safety form. If the build, third- party SDK inventory, or feature set changes, this section and the app-store disclosures will be updated together.

4. Eligibility, Accounts, and Account Security

Access to the Platform is limited to (a) Customer Organizations, (b) individuals acting on behalf of a Customer Organization, and (c) eligible plan members invited by a Customer Organization to use the Mobile App.

You must be at least 18 years old, or of legal age in your jurisdiction, to create an account, unless a Customer Organization creates or administers an account on behalf of a covered dependent in accordance with applicable law and Customer Organization authorization.

4.1 Account Responsibilities

Accounts are personal and must not be shared, sold, transferred, or used by any unauthorized person.
Authorized Users are responsible for maintaining the confidentiality of credentials and for all activity that occurs under their account.
Customer Organizations are responsible for approving users, configuring permissions, promptly removing access for users who no longer need it, and ensuring use complies with applicable law and internal policies.
Meridian Platform may require multi-factor authentication, device security controls, identity verification, or step-up authentication for sensitive functions.
You agree to notify Meridian Platform promptly at info@meridianplatform.com of any suspected unauthorized access or use of an account.

5. Mobile App; App Store Terms

The Mobile App lets eligible plan members access member-facing features, such as account access, benefit and claim-related information, document upload, secure communications, notifications, and support functions made available by the applicable Customer Organization. The Mobile App may be distributed under a Customer Organization’s brand (for example, under the Genesis brand).

5.1 App Store Rules

Your use of the Mobile App is also subject to the terms of the applicable app store (Apple App Store or Google Play). Apple and Google are not parties to these Terms, are not responsible for the Mobile App, and have no obligation to provide maintenance or support.

Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the Mobile App distributed through the Apple App Store, and upon your acceptance of these Terms will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

If the Mobile App fails to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the Mobile App. To the maximum extent permitted by applicable law, Apple and Google have no other warranty obligation with respect to the Mobile App.

You represent that (a) you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a “terrorist supporting” country, and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.

6. Account Deletion and Data Deletion Requests

If you created an account on the Platform, you may request deletion of that account through any of the paths below.

6.1 How to Request Account Deletion

In the Mobile App: Settings → Delete Account.
Via Email: View account-deletion for instructions
Through your Customer Organization: If your account was issued by an employer, plan administrator, broker, provider, or other Customer Organization, that organization may also need to be involved to validate authority, preserve required records, or terminate access.

6.2 What Account Deletion Does

Once a deletion request is verified and approved, Meridian Platform will disable or delete the Authorized User account and delete or de-identify personal data associated with the account where legally and operationally permitted. Uninstalling the Mobile App alone does not delete the account or any records stored in the Platform.

6.3 Records That May Be Retained

Some records may be retained where required or permitted, including for:

healthcare claims administration and benefit recordkeeping;
HIPAA, ERISA, state insurance, tax, accounting, and other legal or regulatory compliance;
audit trails, security logs, and fraud prevention;
dispute resolution, contractual obligations to Customer Organizations, and litigation holds;
backup-system integrity, until the data ages out of backup rotation under our normal retention schedule.
Where data cannot be deleted because of these obligations, Meridian Platform will restrict access to it and retain it only as necessary for the applicable purpose.

7. Customer Data, Ownership, and Roles

As between Meridian Platform and the Customer Organization, the Customer Organization (or the applicable data owner) retains ownership of Customer Data. Meridian Platform does not claim ownership of Customer Data.

Meridian Platform does not sell Customer Data and does not share Customer Data for cross-context behavioral advertising.

Meridian Platform processes Customer Data to provide, secure, maintain, support, and improve the Platform, and as instructed by the applicable Customer Organization or as required by law.

Depending on the context, a Customer Organization may act as a data controller, covered entity, business associate, plan administrator, or other legally responsible party, and Meridian Platform may act as a processor, service provider, subcontractor, or business associate.

8. HIPAA, PHI, and Sensitive Information

The Platform may process PHI, personal information, and other sensitive information. Where HIPAA applies, Meridian Platform will enter into a Business Associate Agreement (“BAA”) with the applicable covered entity or business associate, and the BAA controls Meridian Platform’s use and disclosure of PHI to the extent it conflicts with these Terms.

Authorized Users must not upload PHI or other sensitive data unless they are authorized to do so and the data is necessary for a legitimate Platform purpose. Customer Organizations remain responsible for the lawful collection, use, disclosure, authorization, minimum-necessary access, and retention of PHI within their control.

9. App-Specific Data Collection and Permissions

The Mobile App may collect and process the following categories of data to operate securely and provide mobile functionality. The Privacy Policy describes these categories in greater detail and is kept consistent with Apple App Privacy disclosures and the Google Play Data safety form.

Category	Examples	Purpose
Account and profile data	Name, email, member identifier, organization, user role	Account access, authentication, member support, eligibility and workflow administration
Claims, enrollment, and benefit data	Claim status, enrollment details, provider details, uploaded claim documents	Claims administration and member-facing workflow support
User-submitted documents and media	Receipts, claim forms, prescriptions, images or PDFs uploaded by the user	Document submission and claim support
Device and technical data	Device type, OS, app version, IP address, login records, crash logs, diagnostics	Security, troubleshooting, fraud prevention, reliability, app performance
Notifications data	Push token, notification preferences	Service alerts, claim updates, account notices, security messages

Unless added in a later product version and disclosed in advance, the Mobile App does not collect precise location, contacts, advertising identifiers used for cross-app tracking, full payment card numbers, or biometric templates. Where camera, photo library, file access, notifications, or device-level biometric unlock are used, the Mobile App requests the relevant permission only when needed for the requested feature and explains the purpose at the point of request.

10. Acceptable Use

You agree not to:

submit false, fraudulent, misleading, unlawful, or unauthorized claims or enrollment information;
access, use, download, or disclose information outside the scope of your authorization;
upload malicious code, unlawful content, or data you are not permitted to provide;
attempt to bypass authentication, authorization, logging, rate limits, or other security controls;
reverse engineer, decompile, scrape, crawl, mirror, or copy the Platform except to the extent expressly permitted by applicable law that cannot be contractually waived;
use the Platform for harassment, abusive communications, spam, or any non- administrative purpose;
interfere with the operation of the Platform, including by introducing viruses, conducting denial-of-service activity, or imposing unreasonable load on the Platform infrastructure.

11. Communications, Messaging, and Notifications

The Platform may provide secure messaging, email, SMS, push notifications, and other communications related to account security, claims administration, benefit workflows, support, and service updates. Authorized Users are responsible for ensuring contact information is accurate and for maintaining the security of devices used to receive communications. Message and data rates may apply for carrier-based communications.

Where required by law, transactional communications (such as account security and claim status messages) may be sent even if marketing or promotional communications are declined.

12. Security and Audit Logging

Meridian Platform uses commercially reasonable administrative, technical, and physical safeguards designed to protect the Platform, including role-based access controls, encryption in transit and at rest where appropriate, monitoring, logging, vulnerability management, and incident response procedures. No system can be guaranteed to be completely secure.

Authorized User activity may be logged for security, audit, compliance, support, fraud prevention, operational, and legal purposes. Customer Organizations are responsible for local device controls, user training, internal access governance, and reporting suspected unauthorized access promptly.

13. Third-Party Services and Integrations

The Platform may interoperate with third-party systems such as hosting providers, analytics and crash-reporting tools, notification services, identity providers, claims systems, payment or reimbursement systems, customer-support tools, and Customer-Organization-designated integrations. Meridian Platform is not responsible for third-party systems outside its control, and use of such systems may be subject to separate terms and policies.

14. Availability, Support, and Changes to the Platform

The Platform is provided on an “as available” basis. Meridian Platform will use commercially reasonable efforts to maintain availability but does not guarantee uninterrupted or error-free operation. Maintenance, upgrades, security updates, customer configuration, third-party outages, and events outside Meridian Platform’s control may affect availability.

Meridian Platform may update, suspend, replace, or discontinue features to improve the Platform, comply with law, address security risks, or meet operational requirements. Material changes may be communicated through the Platform, email, release notes, or other reasonable methods.

15. Intellectual Property

Meridian Platform and its licensors retain all rights, title, and interest in and to the Platform, software, documentation, designs, trademarks, service marks, logos, and related intellectual property. Except for the limited right to use the Platform as expressly authorized, no rights are transferred to Authorized Users or Customer Organizations.

White-label branding (such as Genesis branding within a co-branded or white-labeled Mobile App) remains the property of the applicable Customer Organization; nothing in these Terms transfers ownership of a Customer Organization’s branding to Meridian Platform.

Feedback, suggestions, and ideas you provide regarding the Platform may be used by Meridian Platform without restriction or obligation, unless prohibited by a separate written agreement.

16. Suspension and Termination

Meridian Platform may suspend or terminate access if an Authorized User violates these Terms, presents a security or compliance risk, engages in suspicious or unauthorized activity, where required by law, or where directed by the applicable Customer Organization. Upon termination, access may be revoked and data may be retained, returned, deleted, or de-identified according to applicable agreements, law, retention obligations, and the Privacy Policy.

17. Disclaimers

To the maximum extent permitted by law, the Platform is provided without warranties of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, availability, accuracy, or error-free operation. Meridian Platform does not guarantee claim approval, reimbursement, coverage, benefit eligibility, provider participation, or any medical or insurance outcome.

18. Limitation of Liability

To the maximum extent permitted by law, Meridian Platform will not be liable for any indirect, incidental, special, consequential, exemplary, punitive, or lost-profit damages, or for loss of goodwill, data, revenue, business opportunity, or interruption, arising out of or relating to the Platform, regardless of the theory of liability and even if Meridian Platform has been advised of the possibility of such damages.

Unless a separate written agreement provides otherwise, Meridian Platform’s total aggregate liability arising out of or relating to the Platform will not exceed the greater of (a) the fees paid to Meridian Platform for the affected services during the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100).

Carve-outs. Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for fraud, willful misconduct, or, where applicable, gross negligence.

19. Indemnification

Customer Organizations agree to defend, indemnify, and hold harmless Meridian Platform and its affiliates, officers, directors, employees, contractors, and agents from any third-party claims, damages, liabilities, penalties, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) Customer Organization or Authorized User misuse of the Platform, (b) unauthorized disclosure of data by a Customer Organization or its Authorized Users, (c) inaccurate or fraudulent submissions, (d) violation of law, (e) violation of these Terms, or (f) breach of obligations controlled by the Customer Organization.

20. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of- laws rules. The exclusive venue for any dispute arising out of or relating to these Terms is the state and federal courts located in Miami-Dade County, Florida, and each party consents to personal jurisdiction in those courts.

21. Updates to These Terms

Meridian Platform may update these Terms from time to time. Material updates may be communicated through the Platform, on the meridianplatform.com website, by email, or by another reasonable method. The “Effective Date” and “Last Updated” fields at the top of these Terms will be updated to reflect any changes. Continued use of the Platform after the effective date of updated Terms constitutes acceptance unless a separate written agreement provides otherwise.

22. Contact

Questions about these Terms may be directed to:

Meridian Platform LLC
Email: info@meridianplatform.com
Web: https://meridianplatform.com
Mailing address: 110 Washington Avenue, Miami Beach, FL 33139, USA