Welcome to Mera. By accessing or using our platform, you agree to be bound by these Terms of Service. Please read them carefully before using our services.

1. Acceptance of Terms

By creating an account or accessing any part of the Mera platform, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations.

2. Description of Service

Mera provides an online crypto education platform offering video courses, audio learning sessions, AI-powered tutoring, and community features focused on cryptocurrency education and digital asset markets. Our services are intended for educational purposes only and do not constitute financial advice.

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate and complete information when creating an account. You must be at least 18 years of age to use our services.

4. Subscription and Payment

Mera offers Pro memberships on monthly or annual billing cycles. Subscription fees are charged in advance and are non-refundable except where required by applicable law. You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period.

5. Intellectual Property

All content on the Mera platform — including videos, audio, written materials, course curricula, and software — is owned by or licensed to Mera and protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

6. Prohibited Conduct

• Sharing, reselling, or redistributing access to Mera content
• Using automated tools to scrape or download platform content
• Attempting to reverse-engineer or circumvent platform security
• Impersonating other users or Mera staff
• Uploading harmful, illegal, or offensive content to community features

7. Disclaimers

Mera provides educational content only. Nothing on this platform constitutes financial, investment, legal, or tax advice. Always consult a qualified professional before making financial decisions. Past performance is not indicative of future results.

8. Limitation of Liability

To the maximum extent permitted by law, Mera and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the platform.

9. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or in-app notification. Continued use of the platform after changes constitutes acceptance of the updated Terms.

10. Contact

If you have questions about these Terms, please contact us at legal@mera.id.

Mera ("we", "us", "our") is committed to protecting your personal data. This Privacy Policy explains how we collect, use, store, and share information when you use our platform.

1. Data We Collect

We collect information you provide directly, including:

• Account information: name, email address, password (hashed)
• Payment information: transaction records (we do not store full card numbers)
• Profile data: profile photo, location, learning preferences
• Usage data: courses accessed, lessons completed, AI chat history, progress metrics

2. How We Use Your Data

• To provide and improve our crypto educational services
• To personalize course recommendations and learning paths
• To process payments and manage your subscription
• To send transactional emails and, with your consent, marketing communications
• To comply with legal obligations

3. Data Sharing

We do not sell your personal data. We may share data with trusted service providers (hosting, payment processing, analytics) who are contractually bound to protect it. We may disclose data when required by law or to protect the rights and safety of our users.

4. Data Retention

We retain your data for as long as your account is active or as needed to provide services. You may request deletion of your data at any time by contacting us at privacy@mera.id.

5. Security

We implement industry-standard security measures including encryption in transit (TLS), hashed password storage, and access controls. However, no system is entirely secure, and we cannot guarantee absolute data security.

6. Cookies

We use cookies and similar technologies to operate the platform and analyse usage. For details, see our Cookie Policy.

7. Your Rights

Depending on your jurisdiction, you may have rights to access, correct, delete, or port your personal data, or to object to certain processing. To exercise these rights, contact us at privacy@mera.id.

8. Changes

We may update this Policy from time to time. Significant changes will be communicated via email or in-app notice.

This Cookie Policy explains how Mera uses cookies and similar tracking technologies on our platform.

What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and how you interact with them.

Types of Cookies We Use

Essential Cookies

These are strictly necessary for the platform to function. They enable core features such as user authentication, session management, and security. You cannot opt out of essential cookies.

• auth_token — Keeps you logged in during your session
• session_id — Identifies your current session for security purposes

Functional Cookies

These remember your preferences and personalise your experience, such as your preferred language, playback settings, and saved progress.

• mera_plan — Stores your current subscription plan
• mera_profile — Caches profile setup data locally

Analytics Cookies

We use analytics cookies to understand how users interact with our platform, which helps us improve our content and features. This data is aggregated and anonymised.

Managing Cookies

Most browsers allow you to control cookies through their settings. You can block or delete cookies at any time; however, disabling essential cookies may impair platform functionality. To manage cookies, consult your browser's help documentation.

Contact

For questions about our cookie practices, contact us at privacy@mera.id.

Please read this disclaimer carefully. By using the Mera platform, you acknowledge and accept the following.

Educational Purpose Only

All content on Mera — including video courses, Discord posts, AI responses, articles, and community market analysis — is provided for general educational and informational purposes only. Nothing on this platform constitutes, or should be construed as, financial advice, investment advice, legal advice, tax advice, or any other professional advice.

Not Financial Advice

Mera's AI tutor, course instructors, and Discord analysts present educational content based on publicly available information. Their views, analysis, and examples are illustrative only. You should not make any financial, investment, or trading decisions based solely on content you encounter on Mera.

Cryptocurrency Risk

Cryptocurrency and digital asset markets are highly volatile and speculative. The value of cryptocurrencies can rise or fall dramatically in a short period. Investing in cryptocurrencies involves significant risk, including the potential loss of your entire investment. Past performance is not indicative of future results.

Seek Professional Advice

Before making any financial or investment decisions, you should consult with a qualified and licensed financial advisor, accountant, or other professional who can evaluate your specific circumstances, risk tolerance, and financial goals.

No Guarantee of Outcomes

Completing courses on Mera does not guarantee any particular financial outcome, investment return, or professional certification. Success in financial markets depends on many factors beyond education alone.

Third-Party Links

Our platform may contain links to third-party websites or resources. Mera is not responsible for the content, accuracy, or practices of any third-party sites.

Limitation of Liability

Mera, its founders, employees, instructors, and affiliates shall not be liable for any financial losses, damages, or other consequences arising from decisions made based on content available on our platform. Your use of Mera is entirely at your own risk.

Contact

If you have concerns about any content on our platform, please contact us at legal@mera.id.