Terms of Service

1. Agreement

These Terms of Service ("Terms") are a binding agreement between you and Krishan Thushyanthan, carrying on business as Meror (Ontario BIN 1001742979) ("Meror", "we", "us"). By creating an account, ticking the acceptance box, or using the service, you accept these Terms, the Risk Disclosure Statement, the Privacy Policy and the Billing Terms, each of which is part of this agreement.

Meror is a business name registered in Ontario under the Business Names Act, BIN 1001742979, held by Krishan Thushyanthan as sole proprietor. It is not a corporation. Registering a business name registers the name and nothing else: it is not a securities registration, a licence, or approval of anything on this site by any government or regulator. The business address for service is 303 Bristol Rd W, Mississauga, Ontario L5R 2H1, Canada, and support@meror.ca reaches us.

If you do not agree, do not use the service. We record the version of each document you accepted, when, and from which network address, and we will ask you to accept again when a document changes materially.

2. Eligibility

You must be at least 18 years old (or the age of majority where you live, if higher), able to enter a binding contract, and not barred from using the service under the laws of your jurisdiction. Anything to do with betting on sport has a higher bar: 19 or older, wherever you are. Section 8 sets that out.

You are responsible for determining whether the venues you connect (brokerages, exchanges, prediction markets) may lawfully be used from where you live, and for complying with their rules. Some venues are not available in some jurisdictions; we do not verify residency on their behalf.

3. What the service is, and is not

Meror is software that presents publicly available trading records, computes statistics from them, and, on your instruction, mirrors the positions of traders you choose into a simulated portfolio or, if you enable it, into an account you hold at a third-party venue.

Meror is not a broker, dealer, exchange, investment adviser, portfolio manager, investment fund manager or financial planner, and is not registered as any of these with the Ontario Securities Commission, any Canadian securities regulator, the U.S. Securities and Exchange Commission, FINRA, the CFTC or any other regulator. It is not a betting operator or a gaming supplier either, and holds no registration with the Alcohol and Gaming Commission of Ontario or any gaming regulator; section 8 sets out what it does and does not do where betting is concerned. Nothing on the service is a recommendation to buy, sell or hold anything, and nothing is tailored to your circumstances.

We never hold your money in an account of our own. Real-money copying places orders in your own account at your venue, under an instruction you give and can revoke, within limits you set, for traders you chose. Your venue, not Meror, executes, clears, custodies and reports. One thing is kept by us: if you connect a Solana wallet with a trading key, or set one up in Meror, we keep that trading key, encrypted, and use it only to place the orders your copies make under these Terms. That trading key is not a lesser key than your own. The wallet service issues it as a copy of the wallet's private key, encrypted by that service, and the service decrypts it to sign the trades we send it; we send it nothing but those trades and a zero-amount check that tells us the key still works. Your recovery key, the one you save when the wallet is made, is generated by the wallet service and sent from it straight to your browser; it does not pass through us and we never see it. The wallet and what is in it remain yours, and you can disconnect the key at any time. Keep in such a wallet only what you are copying with.

4. Traders shown on the service

The traders shown are real accounts drawn from public sources: regulatory filings, public on-chain records and venue leaderboards. They have not applied to be listed, do not endorse the service, and owe you nothing. A trader's presence, rank, score, badge or category is a statistical screen of published data, not a recommendation, endorsement or prediction.

Statistics are computed from the data the source publishes, subject to that source's delays and limitations, which are disclosed on each trader's page. Where a value must be reconstructed (for example a return on capital that a venue does not publish), the method is disclosed and is conservative, but it is an estimate.

5. Your account

Keep your password and any two-factor device secure; you are responsible for activity under your account. Tell us promptly at support@meror.ca if you believe it has been compromised.

One person per account; no sharing, no attempts to access other users' data or to interfere with the service or the venues it connects to.

The rankings, scores, screens, lists and compiled statistics are ours. You may not scrape, crawl or bulk-download them, use an automated tool or an undisclosed account to collect them, page through the service to assemble a copy of any list, or use any part of them to build, train or operate a competing or derivative product or dataset. Reading the site in a browser for your own use is fine; taking the catalogue is not.

6. Paper trading

Paper copying uses simulated money. Simulated results are hypothetical: they are computed with modelled fills, slippage and fees, they cannot account for liquidity, market impact, venue outages, taxes or your own decisions under stress, and they benefit from being computed after the fact. No representation is made that any account will or is likely to achieve results similar to those shown.

7. Real-money copying

Real-money copying is available only after you subscribe to a plan that includes it, connect an account at a supported venue with trading permission, sign the Copy-Trading Authorization for that account, and set your limits. It is switched on for the platform as a whole only when the routing to a venue has been certified by us against that venue, and it can be switched off for everyone at any time for safety.

You confirm orders before they are sent, with three exceptions, each set up by you. The first is an exit you ask for yourself: pressing Stop, or selling a single holding, is the instruction, and closing a position never waits on a second one. The second is a profit target you set for a copy to close at, unless you chose to only pause it: when the copy reaches it, what the copy holds is sold at the price of the moment without asking you first and the copy is closed; a holding that cannot be sold at that moment, such as a share while its market is shut, stays in your account and is no longer part of the copy. The third is a Standing Sell Instruction for a copy that trades through a wallet where Meror places the orders: while it is on, a sell that comes from the copied trader selling is placed without asking you first, and you are told after each one. When you start such a copy the switch for it is off: switching it on before you start gives the instruction, and you can also turn it on, or off again, at any time on the copy's card. In a wallet that signs its own trades, every sale, these included, waits for your signature. Buys are never placed without your yes. Nothing else reaches your venue without your confirmation.

When a trade is worked out for your account it is put to you first, showing the security, the side and the size, and it is sent only if you say yes to it. You are asked wherever you have chosen to be asked: on the site, by email, by text message, in a notification on your device, and on Discord, Telegram or WhatsApp if you have connected them. Crypto trades are never sent to WhatsApp. A yes sent by WhatsApp or by text message answers only the trades that channel showed you.

A trade you have not answered waits for you. If you say yes within two hours of being asked, it is worked out again at the price of that moment and placed, unless its size has changed by more than 10% (or, if that is more, US$2, or US$0.50 for a buy through a Solana wallet) or, for a buy through a wallet where Meror places the orders, its price has moved by more than 25%; then you are asked again. If you say yes later than that and the price has moved by more than 3% since you were asked, you are shown the move and asked again at the new price. If, before you answer, the trader reduces or closes a position you were asked to buy, or adds to one you were asked to sell, the trade is withdrawn and nothing is placed. A trade still unanswered after seven days lapses and nothing is placed.

You make every decision. You choose which trader to copy; Meror never chooses a trader for you and never adds, removes or replaces one. You choose the amount allocated to each copy and the account it trades through, and you set your exposure limits in advance: the largest share of a copy in any one security, a cash reserve, a cap per order and per day, a drawdown pause, and which kinds of instrument may be traded. No order can be placed outside those limits. Meror holds no discretionary trading authority over your account and no power of attorney.

Orders are arithmetic, not judgment. When a trader you copy changes a position, the service recomputes your target for that security as the trader's portfolio weight applied to the amount you allocated (for a memecoin copy, that weight scaled as the next paragraph sets out), capped by your limits, and puts to you (or, for a sell under a Standing Sell Instruction, places) an order for the difference if that difference is larger than a fixed minimum shown on the real-money page, so that tiny drifts do not generate orders. Orders are market orders sent to the account you chose for that copy; if that account cannot trade the security, the order is refused and recorded, never sent to another account. No model, forecast or opinion is applied to any order: the same inputs always produce the same order.

Memecoin swaps from a wallet follow fixed rules of their own, also shown on the real-money page. A memecoin copy buys only the trader's memecoins. What they hold in SOL, staked SOL, US-dollar and other currency stablecoins, and wrapped or leveraged versions of major coins (such as wrapped bitcoin or ether) counts as their cash and is never bought, and so does any coin your wallet cannot buy, such as one not launched on pump.fun or letsbonk. Each coin's target is the trader's weight in it multiplied by a factor fixed for your copy: 100 divided by the percentage of their wallet held in the coins your copy can buy, and never more than 4, so a trader with 25% in those coins and 75% in cash is copied at four times each coin's weight. The factor is set when the copy starts, and again only when you add money, change the copy's limits or turn these rules on for an older copy, never because a price moved; if the trader later moves so far into coins that their coins at that factor would come to more than your whole copy, every coin is scaled down together to fit. A coin the copy does not hold is bought from US$3: a smaller target is raised to US$3 when it is at least US$0.30 and your limits and the copy's free cash leave room for it, and is not bought otherwise. A top-up of a coin the copy holds is made only when it is at least US$1 and at least a quarter of what the copy holds of that coin, and no sooner than six hours after the copy last topped that coin up or asked you to, unless you have already said yes to it. Apart from the exits described above, a coin the copy holds is cut back only when the trader has sold some of it, your per-coin limit requires it, or every coin is being scaled down to fit. While the trader's weight would buy less than US$3 of a coin the copy holds, the copy keeps it, never above your per-coin limit, and cuts it back to US$3 only when it holds US$6 or more; once their weight would buy less than US$0.30 of it, and less than a hundredth of what the copy holds, the trader has sold nearly all of it and the copy sells it too. Holdings worth under a dollar in the trader's wallet are not copied. Every cost of a wallet swap beyond its price (the network and priority fees, the swap service's fee, and on a first buy of a coin the deposit that opens the wallet's account for it) is charged to the copy the swap was made for: it is recorded against that copy and taken from the copy's cash, so the copy's return is what it made after those costs. A memecoin copy started before this version of these Terms keeps the rules it started with until you turn these on from the copy's card, where what changes is shown to you first. Under the rules an older copy keeps, each coin's target is the trader's own weight, with no factor; every buy of a coin, new or a top-up, is at least US$5: a smaller target for a coin the copy does not hold is raised to US$5 when it is at least US$0.50 and your limits and the copy's free cash leave room for it, and a smaller top-up is not made; a held coin follows the trader's weight, except that while their weight would buy less than US$5 of it the copy keeps it, cut back to US$5 only when it holds US$10 or more and never above your per-coin limit, and sells it once their weight would buy less than US$0.50 of it and less than a hundredth of what the copy holds; the quarter, six-hour and cut-back rules above do not apply to it.

When a trader you copy holds a market that your venue does not list, nothing is substituted unless you have switched on equivalent contracts for that copy; it is off by default. When it is on, a contract on your venue is used only where its subject, threshold and settlement date match under the published rules, each substitution is recorded showing both contracts, and we refuse rather than guess when no clear equivalent exists.

Orders may fill at prices different from those the trader obtained, may fill partially, may be rejected by your venue, or may not fill. Your venue (for a wallet, the swap service and the Solana network), not Meror, executes and settles them.

You can pause or stop any copy, and revoke the authorization for any account, at any time from the real-money page. Both are checked before every order, so they take effect before the next order; an order your venue has already received may still fill. Pausing keeps what the copy holds and places nothing further, including sells under a Standing Sell Instruction; that instruction stays on while the copy is paused and applies again when you resume it, so a coin the trader sold in the meantime is sold when you resume. Switching the instruction off takes effect before the next sell, and stopping the copy or revoking the authorization for its account ends it. A trade waiting on you when you pause stays on your list: nothing is placed while the copy is paused, and you can still confirm it after you resume, until it lapses. Stopping closes the copy: the positions it opened are sold at your venue at the price of the moment (in a wallet that signs its own trades, once you sign each sale), and the proceeds stay in your account. Shares cannot be sold while their market is closed: pressing Stop then sells none of them, the copy is paused instead of closed, and you press Stop again once the market opens to finish it. Part of a share at a venue that takes part of a share only as a dollar amount, such as Wealthsimple, is not sold by Meror; it stays in your account for you to sell. If you want to keep the shares, pause instead of stopping. Revoking an authorization places nothing and sells nothing; it ends our access to that account and leaves everything in it where it is.

8. Sports and event betting

Some of the people shown on Meror bet on sport. Their record is drawn from public sources in the same way as any other record here, and the same warnings about statistics, delay and hindsight apply to it.

Meror is not a betting operator. We are not registered with the Alcohol and Gaming Commission of Ontario, iGaming Ontario, or any gaming regulator anywhere, and we do not hold ourselves out as being. We do not accept, place, broker, carry, lay off or settle a bet; we never hold a stake, pay a winning, or take any share of either; and we are not paid by any sportsbook, in commission, revenue share or otherwise, for anything you do.

What copying a bettor does is send you a slip. The slip names the selection, suggests a stake worked out from the amount you allocated and your limits, and links to the sportsbook you chose. You then place the bet yourself, in your own account, with your own money, under that operator's terms. If you do not place it, nothing happens: no bet exists anywhere until you make one. Marking a slip as placed is your own record-keeping and does not create, confirm or settle anything with the operator.

The sportsbooks we link to are operated by companies registered with the Alcohol and Gaming Commission of Ontario and operating under agreement with iGaming Ontario, or by the Ontario Lottery and Gaming Corporation. Your relationship with them is yours alone: their terms, their verification, their deposits and withdrawals, their decisions about your account and your bets. We have no access to your account there, place nothing in it, see none of its balances, and cannot cancel, change, void or recover a bet you have placed.

You must be 19 or older to use any part of the service that concerns betting on sport, whatever the age of majority is where you live. Betting law differs by province and by country, many of the operators above are available only in Ontario, and it is your responsibility to be somewhere a bet is lawful for you. We may withdraw the betting features from any account or any region at any time.

Betting is not investing. A bet is a wager on an event, not a holding in an asset that can be sold. The operator's margin is built into the odds, so betting carries a negative expected return over time; a bettor's past record, however long or however good, does not change that and does not predict what happens next. Nothing about a bettor's rank, score or record on Meror is advice to place any bet.

If betting stops being fun, stop. Help in Ontario is free and confidential from ConnexOntario, 1-866-531-2600 or connexontario.ca, and every registered operator must offer you deposit limits, time-outs and self-exclusion. We never lend you money, advance you credit, or offer a bonus, free bet or inducement of any kind.

9. Fees

Payments made on the website are final and there are no refunds; prices, the trial, renewals and cancellation for them are set out in the Billing Terms, which you acknowledge separately when you subscribe. A subscription bought in the iPhone app is billed by Apple and is covered by section 17. Meror takes no commission on your trades and no share of your profits. Your venue may charge its own fees, such as commissions, spreads, currency conversion, funding or exchange fees; those, and taxes, are your responsibility.

10. Intellectual property and data

The service, its software, design and compiled statistics are ours or our licensors'. Public filings and on-chain data belong to their publishers and are attributed on each source page. You may use the service for your own personal, non-commercial purposes.

11. No warranty

The service is provided "as is" and "as available". To the fullest extent permitted by law we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, timeliness and non-infringement. Data feeds fail, venues go down, filings are late and records contain errors; we work to detect these, and we mark what we cannot verify, but we do not promise that the service is error-free or uninterrupted.

12. Limitation of liability

You trade at your own risk. To the fullest extent permitted by law, Krishan Thushyanthan, carrying on business as Meror, and anyone working for or with us, are not liable for any trading loss, lost profit, lost opportunity, or any indirect, incidental, special, consequential or punitive damages arising from your use of the service, from any trader's activity, from any venue's execution, or from any error, delay or omission in data, however caused, even if we were told it was possible.

To the extent any liability cannot be excluded, our total liability to you for all claims in any twelve-month period is limited to the subscription fees you paid us in that period.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including consumer-protection law in your province or country.

13. Indemnity

You will indemnify Krishan Thushyanthan, carrying on business as Meror against claims, losses and costs (including reasonable legal fees) arising from your breach of these Terms, your use of a venue in breach of its rules or the law, or your infringement of anyone's rights.

14. Suspension and termination

We may suspend or close your account for breach of these Terms, for suspected fraud or abuse, or if required by law. You may close your account at any time from your profile page; real-money copying stops when the account closes, and your acceptance and authorization records are retained as required by law.

15. Governing law and disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there. Subject to any mandatory consumer-protection rights where you live, the courts of the Province of Ontario have exclusive jurisdiction, and you and we each waive any objection to that forum.

Before starting a proceeding, please contact us at support@meror.ca; most issues can be resolved directly.

16. Changes

We may change these Terms. Material changes are announced in the service and require your acceptance before you continue to use features that depend on them. The version and date at the top of this document identify what you accepted.

17. Subscriptions bought in the iPhone app

A Pro subscription bought in the Meror iPhone app is an in-app purchase billed by Apple to your Apple ID, not by us. Apple's terms for App Store purchases apply to it as well as these Terms. Its price is shown in the local currency of your App Store before you buy.

New subscribers get a free trial, and Apple decides who is eligible for it: 14 days on the monthly and yearly plans, 3 days on the weekly plan. The subscription renews automatically, and a free trial turns into a paid subscription, unless you cancel at least 24 hours before the end of the trial or the current period. Manage or cancel it in Settings > Apple ID > Subscriptions on your iPhone. Only Apple can cancel it, so we cannot cancel it for you.

Refunds for App Store purchases are handled only by Apple, under Apple's refund policy; we cannot issue them. If a renewal payment fails, Apple keeps retrying it, and Pro stays on for up to 28 days while it does. If the payment has still not gone through after that, Pro ends and real-money copying stops; your data is kept.

A Pro subscription bought on the website and one bought through Apple are separate. Cancelling one does not cancel the other: each is cancelled where it was bought.

18. Contact

Krishan Thushyanthan, carrying on business as Meror (Ontario BIN 1001742979) · support@meror.ca · 303 Bristol Rd W, Mississauga, Ontario L5R 2H1, Canada.