Meridian 鼎策命理
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Meridian, Property Diligence Ltd

Terms & Privacy

Meridian / 鼎策命理: Terms of Service

Property Diligence Ltd, governed by the laws of Hong Kong, v1, last updated 23 July 2026

In short: Meridian gives you readings for reflection and entertainment, not professional advice. You must be 18 or over. These Terms are under Hong Kong law. Our liability is limited. Your one-off birth inputs are erased from our systems right after your reading, while the profiles you save are kept until you delete them. See the Privacy Policy.

1. Who we are

Meridian ("Meridian", "鼎策命理", the "Service") is operated by Property Diligence Ltd ("we", "us", "our"), 10B, Wing Tat Commercial Building, Sheung Wan, Hong Kong. Your contract for Meridian is with Property Diligence Ltd. Telegram, Apple and other distribution platforms are not parties to these Terms merely because you access Meridian through them; their own platform or payment terms may also apply.

2. You must be 18 or over

Meridian is only for persons aged 18 or over. Before creating an account and before any purchase, you must actively confirm "I am 18 or over." We may use proportionate, privacy-preserving age-assurance measures and may suspend an account where we reasonably believe the user is under 18. If we identify an under-18 account, we will stop the Service, erase its personal data subject to law, and return any unspent paid asks to the original payment method where practicable. A person under 18 must not use the Service, even with a parent's permission.

3. Information and entertainment, not advice

Meridian produces readings drawn from traditional divination systems and modern interpretation, generated with the help of AI, for personal reflection, cultural interest and entertainment only. A reading describes symbolic or cultural interpretations, not facts, probabilities or reliable forecasts. It is not professional advice and is not a substitute for qualified medical, psychological, health, legal, financial, investment or other professional advice. It must not be used as the basis for decisions about health, safety, treatment, relationships, employment, law, money, investments, gambling or emergencies. If an output appears to give such an instruction or prediction, disregard it and report it (clause 21). We do not guarantee that any reading is accurate or complete, or that any outcome will or will not occur.

4. What the Service will not do

For your wellbeing, the Service does not predict death or the timing of death, and does not give a medical diagnosis, name a disease, date an illness, or give prescriptions, legal advice, or specific financial or investment instructions. It may note, at a high and general level, health tendencies to be mindful of and to tend, as reflection and not medical advice. Readings are not betting or gambling advice. Meridian is not monitored by clinicians or emergency personnel and cannot arrange emergency assistance. It scans the text you submit for possible signs of self-harm only so that it can display crisis and emergency resources; displaying a crisis contact does not mean that contact has received your information. If there is immediate danger, contact local emergency services directly.

5. Acceptable use

You agree not to: use the Service unlawfully; rely on it for decisions that require professional advice; attempt to manipulate, reverse-engineer, scrape, or extract our underlying knowledge base or prompts; resell the Service or present its outputs as professional advice; or use it to harass, harm or mislead others. You are responsible for the information you provide.

6. Your account, profiles and readings

You can save profiles to power your readings, your own and profiles you add for other people such as family, a friend, a child or a pet, so you do not re-enter birth details each time. Profiles are stored in your account, reused across features, and you can edit or delete any of them at any time. If you add a profile for another person, you confirm you are allowed to enter their details, and you are responsible for that choice. You are responsible for keeping access to your account secure. We may store your finished readings so you can revisit them, and we do not silently change a reading you have already received. Some one-off inputs (a partner keyed in for a single reading without saving them, and Ask the Master questions) are not saved as profiles and are handled as the Privacy Policy describes.

7. Asks, price and refunds

When we introduce paid features, before purchase we will show the total price and currency, the number of "asks", what consumes an ask, the expiry date (if any), the supported payment method, included taxes/fees, and any non-refundable third-party fee. Asks are a limited licence to use the Service, have no cash value and are not transferable. An ask is consumed only when the requested reading is successfully delivered; if we charge for a reading that is not delivered because of our error, we will restore the ask. We will refund duplicate charges and any amount required by law. Except for those cases and any published cooling-off offer, a successfully delivered digital reading is not refundable merely because you disagree with it. We will give at least 30 days' notice before discontinuing paid asks and allow use or refund of unexpired asks. Expiry and refund terms shown at purchase form part of that purchase and will not be changed retrospectively. We may introduce additional payment methods only after displaying their applicable terms and legal availability at checkout.

8. Content and licences

You retain any rights you have in the questions and content you submit. You grant us and our processors a non-exclusive, worldwide, royalty-free licence to host, reproduce and process that content only for the period and purposes needed to provide, secure and support the Service as described in the Privacy Policy; this licence ends when the content is deleted, except for lawful limited retention. Subject to these Terms and third-party rights, we grant you a perpetual, non-exclusive, worldwide, royalty-free licence to download, print, display and share your finished readings for personal, non-commercial purposes. Readings are generated non-exclusively and similar material may be produced for others. We claim rights only in protectable original material, not in your facts, traditional systems, or public-domain material.

9. AI-generated content

Readings are produced with AI, may contain errors, and may vary between requests. You use them at your own discretion (see clause 3).

10. Availability and statutory standards

Meridian is an evolving digital entertainment service. We do not promise uninterrupted availability or that every AI-generated reading will be error-free. We will nevertheless provide the Service with the care and skill, and within the time, required by applicable law.

11. Our responsibility to you (limitation of liability)

We are not liable for loss that was not reasonably foreseeable when the contract was made, for indirect or consequential loss, or for business loss suffered by a person using Meridian mainly for business purposes. Our total aggregate liability arising from the Service will not exceed the greater of (a) HK$1,000 and (b) the fees you paid us in the 12 months before the event giving rise to the claim. This cap does not apply to a refund or restoration of asks for a service we did not supply (clause 7). Each limitation applies only so far as it is fair, reasonable and lawful in the circumstances.

12. Indemnity

You will indemnify us against reasonable, direct loss finally awarded to an unrelated third party (or agreed in a settlement you approve) to the extent caused by your deliberate unlawful use of the Service or deliberate infringement of that third party's rights. We must notify you promptly, take reasonable steps to mitigate, and allow you reasonable participation in the defence. You do not indemnify us for loss caused by our own negligence, breach, fraud or unlawful conduct. This clause applies only so far as fair, reasonable and lawful.

13. Privacy

We handle your personal data under our Privacy Policy and the Personal Data (Privacy) Ordinance (Cap. 486). In particular, the one-off birth details you enter without saving a profile are erased from the systems we control after your reading is generated, while the profiles you save are kept until you delete them (see the Privacy Policy for exactly what that does and does not cover).

14. Changes to these Terms

We may change these Terms prospectively for legal, security or genuine service reasons. We will give reasonable advance notice of a material change through the Service or your registered contact and explain its effective date. A change will not reduce paid asks already purchased or alter a dispute that has already arisen. Where the law or the nature of the change requires, we will ask for fresh acceptance. If you do not accept a material change, you may stop using the Service and receive the treatment of unused paid asks in clause 7.

15. Suspension and termination

We may suspend access where reasonably necessary to investigate a suspected material breach, protect users or systems, comply with law, or address non-payment; where practicable we will state the reason and expected duration and give you a reasonable chance to respond or cure. We may terminate for a material breach not cured within 14 days after notice, or immediately for fraud, serious illegality or an urgent safety/security threat. You may close your account at any time. On termination, unused paid asks will be refunded or remain usable as stated in clause 7, except so far as withholding is lawful (e.g. fraud or chargeback). Termination does not affect accrued rights, statutory rights, or clauses intended to survive.

16. Governing law and arbitration (Hong Kong)

These Terms, and any dispute or claim arising out of or in connection with them or your use of the Service (including any question about their existence, validity or termination, and any non-contractual dispute), are governed exclusively by the laws of the Hong Kong Special Administrative Region. Any such dispute shall be referred to and finally resolved exclusively by arbitration administered by the Hong Kong International Arbitration Centre (HKIAC) under the HKIAC Administered Arbitration Rules in force when the notice of arbitration is submitted. The seat of arbitration is Hong Kong, the tribunal consists of one arbitrator, and the language of the arbitration is English. The courts of Hong Kong have exclusive jurisdiction to support and supervise that arbitration and to hear any matter not capable of being resolved by arbitration. Disputes are resolved on an individual basis.

17. General

No waiver: a delay or failure to exercise a right is not a waiver; a waiver is effective only in writing for the specific instance stated. Assignment: you may not transfer this agreement without our consent (not unreasonably withheld); we may transfer it as part of a genuine reorganisation, financing or sale, provided the recipient assumes our obligations and your statutory rights and paid- ask balance are not reduced, on reasonable notice. Notices: we may send operational notices through the Service, Telegram or your account contact; material legal/paid-service notices by a durable method; notices to us must be sent in writing by post to the postal address above. Severability: an unlawful or unenforceable provision is severed or limited only to the minimum extent required, and the rest continues. Survival: clauses on accrued payment/refund rights, IP licences for finished readings, privacy, liability, disputes, and provisions intended to survive continue after termination. Third parties: a person who is not a party has no right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) to enforce these Terms. These Terms are the entire agreement between us about the Service.

18. Complaints

You may report an unsafe or prohibited reading, a billing issue, or any other complaint in writing by post to our Hong Kong address. We will acknowledge within 5 working days and aim to respond substantively within 20 working days. Complaining is free and does not limit your right to contact the Consumer Council, report a suspected unfair trade practice to Hong Kong Customs, complain to the Privacy Commissioner, or use a court or tribunal.

19. Events outside reasonable control

We are not responsible for delay caused by an event beyond our reasonable control that we could not reasonably avoid, such as widespread network or platform outage, natural disaster, epidemic, war or government action. We will take reasonable steps to mitigate and resume. This does not excuse payment/refund obligations already due; if such an event prevents delivery of a paid ask for more than 30 days, you may cancel the undelivered service and receive restoration or a refund under clause 7.

20. Fair-dealing commitment

We will show the material price, ask quantity, expiry, use and refund conditions before purchase, and will not describe a reading as guaranteed, factual or professionally reliable, and will not use a reading or a user's distress to pressure the user into buying more asks.

Meridian is a product of Property Diligence Ltd.

Meridian / 鼎策命理: Privacy Policy

Property Diligence Ltd, Personal Data (Privacy) Ordinance (Cap. 486), v1, last updated 23 July 2026

In short: We collect the minimum we need to give you a reading. To save you re-entering them, we store the profiles you create, your own and any you add for others, each holding a birth date, time and place and the chart we compute, and you can delete any profile, or your whole account, at any time. Details you enter for a one-off reading without saving a profile, and your Ask the Master questions, are used only to produce that answer and are then erased from the systems we control. We cannot erase copies held by Telegram or your own device. We do not sell your data. We keep each kind of data only as long as needed, and no account-linked record is kept more than 7 years after account deletion, with most erased far sooner. You can ask for a copy of your data in writing by post.

Who is responsible (data user)

Property Diligence Ltd, 10B, Wing Tat Commercial Building, Sheung Wan, Hong Kong, is the data user responsible for your personal data under the PDPO (Cap. 486) and its six Data Protection Principles (DPPs). Our data-protection contact is the Data Protection Officer at the address above.

Personal Information Collection Statement (summary)

We collect the data you enter to create and deliver your requested reading, operate your account, secure the Service and prevent abuse. Your birth date, birth time and place are required to generate a birth-chart reading; your question is voluntary. If you do not supply required information, we cannot generate that reading. We may disclose data, only as needed for those purposes, to our delivery and security, AI-processing, support, messaging and (for paid features) payment providers, and to authorities where lawfully required. You may request access to and correction of your data by writing to the Data Protection Officer at the address above.

What we collect

  • Messaging identifiers: e.g. your Telegram user id and chat id (so the bot can reply), and your chosen language.
  • The birth details you give us: birth date, birth time and place, used only to compute your chart and generate your reading (see "Your saved profiles" below).
  • The readings we generate. Your Full Life Reading, Daily Fortune, Compatibility, Annual Outlook and Name Analysis are stored so you can revisit them under "My Readings", and you can delete any one, or all of them, at any time. Only Ask the Master (standalone or as a follow-up) is not saved to our records: any server-side copy is erased ("burnt") within 2 hours of delivery, though a copy may remain in your current web session or your Telegram chat (their storage, which we do not control).
  • Technical and security data: e.g. IP address, device and app identifiers, essential cookies and, on the web, a session cookie, together with security and abuse-prevention events. When paid features launch we will also process the wallet and transaction data described under "On-chain payments".
  • Payment data (paid features only, when introduced): handled by our payment provider; we do not receive or store your full card number, though we may receive a payment token, payer name, card brand/last four, receipt and fraud signals. For any on-chain payment, see "On-chain payments".

We collect only what we need (DPP1). The Service is for adults (18+); we do not collect identity documents merely to check age.

Your saved profiles

To save you re-entering birth data for every reading, we save the profiles you create. That includes your own profile and any you add for other people, such as family, a friend, a child, or a pet. A profile holds a label, the birth date, time and place, gender, and the chart we compute from them. Profiles are stored in your account, reused across features, and you can edit or delete any of them at any time, from the Profiles section or "Delete all my data". We do not sell them and do not use them for advertising, and we require our AI processor not to train on them.

Entering another person's details. If you add a profile for someone else, you confirm you may lawfully do so. You control that profile and can delete it whenever you wish.

What stays transient (not saved as a profile). Details you enter only for a single one-off reading, for example a partner keyed in just for one Compatibility reading without saving them as a profile, and the question and answer of a one-off Ask the Master, are used only to produce that answer and are then erased from the systems we control (any server-side copy within 2 hours). We cannot erase copies held by you, your device, or an independent messaging platform such as Telegram.

Wellbeing-signal processing

We automatically scan the text you submit for possible signs of self-harm or immediate danger so the Service can display crisis and emergency resources. This screening is not a diagnosis, is not continuously monitored by a person, and does not itself contact a crisis line or emergency service. The scan is transient: it runs in memory as your text passes through, and neither the text scanned for this purpose nor the resulting classification is stored. We do not disclose your text to a crisis service merely because a resource is shown; any exceptional disclosure would be made only where lawfully permitted and reasonably necessary, and would be recorded.

How we use it

  • To generate your reading and let you revisit it.
  • To operate, secure and prevent abuse of the Service.
  • To take payment for paid features (when introduced) and give refunds where due.

We use your data only for these and directly related purposes (DPP3). We do not currently use or provide personal data for direct marketing. If we introduce it, we will first give the notice required by Part 6A PDPO and obtain your explicit consent or indication of no objection through a free response channel; silence or acceptance of the Terms will not be treated as consent, and every message will carry a free opt-out.

AI processing and isolation

Your inputs are processed by AI models to produce your reading, for that purpose only; your raw birth details are handled as above. Your data is kept isolated to your own account by how our storage is keyed and access-controlled, not merely by an instruction to the AI model, and is not exposed to other users.

Who we share it with

We do not sell or rent your personal data. We share it only with service providers who help us run the Service. These are the messaging platform you use (for example Telegram, which acts as an independent data user for its messaging layer under its own terms), our delivery and security provider Cloudflare, our AI provider Anthropic, and, for paid features, a payment provider, and only as needed. We also disclose where the law requires.

Where your data is handled

We operate from Hong Kong, but the provider categories above may process data in other regions where they operate, in particular Cloudflare (delivery and security) and Anthropic (AI processing). Overseas processing does not reduce our responsibility under the PDPO. We use written processor terms, access controls and due diligence covering purpose limitation, confidentiality, security, sub-processing, incident notice, and return or deletion, and PCPD-recommended model clauses for cross-border transfers where appropriate. Section 33 PDPO is not yet in operation; we will update our transfer arrangements before it applies.

How long we keep it (retention)

We keep each category only as long as needed:

  • Saved profiles (yours, and any you add for others): kept until you delete the profile or your account. One-off details not saved as a profile (a partner keyed in for a single reading, an Ask question) follow the transient erasure described in "Your saved profiles" above.
  • Readings: kept in My Readings until you delete them or your account, subject to a 24-month inactive-account period.
  • Account and messaging identifiers: erased or irreversibly anonymised within 30 days of account deletion; encrypted backups expire within about 35 days and are not restored to live use except for disaster recovery.
  • Security logs: 180 days unless a specific incident requires longer.
  • Support records: 2 years after closure.
  • Paid-feature records: when paid features launch, we keep only the transaction, invoice, wallet and accounting data required for tax, accounting, fraud prevention and legal claims (normally 7 years from the transaction or end of financial year under the Inland Revenue Ordinance and Companies Ordinance), and not your readings or questions.

Unless the law requires earlier erasure, no account-linked record is kept more than 7 years after account deletion. We do not keep personal data longer than necessary (DPP2). "Irreversibly anonymised" means we cannot practicably identify you from the retained data; pseudonymised data that can be relinked remains personal data under this Policy.

Security and data incidents

We use risk-appropriate technical and organisational measures: all traffic reaches the Service through Cloudflare over TLS (encryption in transit), a Cloudflare security layer sits in front of the Service, access is least-privilege, our systems do not write raw birth fields to logs, backups are encrypted, and we hold written confidentiality and security terms with our providers (DPP4). No system is completely secure. We maintain a data-breach response plan; where an incident creates a real risk of harm, we will notify affected individuals and the Privacy Commissioner as soon as practicable and give practical mitigation information, unless legal requirements restrict notice.

Your rights (access and correction)

You may make a data access request under section 18 PDPO by completing the PCPD Data Access Request Form (OPS003) and posting it to: Data Protection Officer, Property Diligence Ltd, 10B, Wing Tat Commercial Building, Sheung Wan, Hong Kong. We may reasonably verify your identity and may charge a fee that is not excessive (only costs directly related to compliance). We will comply within 40 calendar days of a valid request, or explain in writing within that period and comply as soon as practicable. You may request correction of inaccurate data in writing (Chinese or English), free of charge. You may separately ask us to delete your data; we will assess it under DPP2 and section 26 and explain any category we must still retain. For ordinary privacy questions or deletion help, write to the Data Protection Officer at the postal address above.

On-chain payments (when introduced)

If you choose an on-chain payment, we collect your wallet address, transaction hash, network, token and amount. Blockchain records are public, are maintained by independent network participants, and cannot be erased by us. We keep our account-to-transaction link only for the period required for payment, fraud prevention, accounting and law. The checkout will identify the only supported token, contract address and network; sending an unsupported token or to a wrong address/network may be irreversible.

Children

The Service is for adults; we do not knowingly collect personal data from anyone under 18.

Changes to this policy

We may update this Policy prospectively and will give reasonable notice of a material change. We will not use personal data already collected for a new or unrelated purpose merely by updating this Policy; where DPP3 requires prescribed consent, we will ask for it first.

Contact

Data Protection Officer, Property Diligence Ltd, 10B, Wing Tat Commercial Building, Sheung Wan, Hong Kong. All contact and all requests, including formal statutory requests and general privacy questions, must be made in writing by post to this address.

Meridian is a product of Property Diligence Ltd.