Privacy Policy

Effective Date: April 1, 2026
Operator: Terra AGI Pvt Ltd ( "Terra AGI", "we", "our", "us"), the company that owns and operates the Merc platform and related services available through mercai.in, mobile applications, APIs, and connected tools (collectively, the "Service").

Merc is the product name presented to users. Where required for legal, billing, contracting, or compliance purposes, we may refer to Terra AGI Pvt Ltd, Merc AI, or Merc.

1. Scope

This Privacy Policy applies to:

The Merc website at mercai.in
Merc mobile applications (Android / iOS)
Merc dashboards, APIs, and integrations
Customer support interactions
Marketing and communication channels operated by us

By accessing or using the Service, you acknowledge this Privacy Policy.

2. Information We Collect

2.1 Account Information

We may collect:

Name
Mobile number
Email address
Login credentials or authentication tokens
Company / business name
Business category
Country / region
Account preferences

We may use phone number sign-in, email sign-in, or third-party authentication methods.

2.2 Business Profile Information

To help run advertising campaigns, we may collect information you provide such as:

Business description
Products or services
Target audience inputs
Website URL
Business address
Creative preferences
Branding assets

2.3 Payment and Wallet Information

Where wallet funding, subscription billing, or payments are enabled, we may collect billing-related information such as:

Billing contact details
Transaction records
Invoice information
Limited payment metadata from payment processors

We do not store full card details unless explicitly handled through compliant third-party processors.

2.4 Usage Data and Device Information

We may automatically collect:

Device type
Operating system
Browser type
IP address
Approximate location
App events
Feature usage
Crash reports
Performance logs
Referral sources

This helps us improve reliability, security, and product experience.

2.5 Connected Platform Data (Authorized Access Only)

Merc only accesses third-party platform data after your explicit authorization.

If you connect services such as Google Ads, Meta Ads, or similar platforms, we may access data made available under permissions you grant, including:

Ad accounts
Campaigns
Ad groups
Creatives
Performance metrics
Audience data
Conversion data
Billing identifiers
Asset metadata

We use this data only to provide requested functionality, analytics, optimization, reporting, support, compliance, and features you enable.

We do not access third-party accounts without permission.

2.6 Content You Upload

We may process content you upload, create, or submit, including:

Images
Videos
Ad copy
Logos
Brand files
Documents
Campaign inputs

This content is used to provide campaign creation, AI assistance, reporting, and related services.

2.7 Communications

If you contact us through email, forms, or support channels, we may store messages, attachments, and communication history.

3. How We Use Information

We use data to:

Provide the Service

Create and manage accounts
Authenticate users
Connect ad platforms
Launch and manage campaigns
Generate reports
Provide analytics dashboards
Deliver optimization suggestions
Enable automation features

Improve the Product

Fix bugs
Improve usability
Measure feature adoption
Develop new features
Improve models and internal systems where permitted by law

Customer Support

Respond to inquiries
Troubleshoot issues
Send service notices
Resolve billing questions

Security and Fraud Prevention

Detect abuse
Prevent unauthorized access
Enforce limits
Protect users, advertisers, and our systems

Legal Compliance

Meet legal obligations
Respond to lawful requests
Enforce agreements
Protect rights and safety

4. Cookies and Similar Technologies

We use cookies, SDKs, pixels, local storage, and similar technologies to:

Keep you signed in
Remember preferences
Measure traffic
Improve performance
Understand product usage
Support marketing attribution where permitted

You may control cookies through your browser or device settings. Some features may not function properly if disabled.

5. Sharing of Information

We do not sell personal data.

We may share information only in these circumstances:

Service Providers

With trusted vendors who help operate our services such as hosting, analytics, customer support, communications, security, and payments.

Connected Platforms

When you authorize integrations with Google, Meta, or similar services.

Legal Reasons

If required by law, regulation, subpoena, court order, or to protect rights, safety, or security.

Business Transfers

As part of merger, acquisition, financing, or asset sale, subject to applicable safeguards.

6. Data Retention

We retain data for as long as necessary to:

Provide the Service
Maintain your account
Meet legal obligations
Resolve disputes
Prevent fraud
Enforce agreements

Retention periods vary depending on data type and legal requirements.

You may request deletion subject to applicable law and operational necessity.

7. Your Rights and Choices

Depending on your location, you may have rights to:

Access your data
Correct inaccurate data
Delete data
Export certain data
Object to certain processing
Restrict certain processing
Withdraw consent where applicable

To make a request, contact: hello@mercai.in

We may verify identity before processing requests.

8. Security

We implement reasonable administrative, technical, and organizational safeguards designed to protect data.

However, no system is completely secure. You are responsible for protecting passwords, devices, and connected account credentials.

9. International Data Transfers

Terra AGI Pvt Ltd is based in India. Data may be processed in India and other countries where our providers operate.

Where required, we use reasonable safeguards for international transfers.

10. Third-Party Services

Our Service may link to or integrate with third-party platforms including Google and Meta. Their services are governed by their own terms and privacy policies.

We encourage users to review those policies directly.

11. Children

Merc is intended for businesses and users who meet the legal minimum age in their jurisdiction. We do not knowingly collect personal data from children.

12. Changes to This Policy

We may update this Privacy Policy from time to time.

Updated versions will be posted on mercai.in with a revised Effective Date. Continued use of the Service after updates may constitute acceptance where permitted by law.

13. Contact Us

For privacy questions or requests:

Support: hello@mercai.in

Terra AGI Pvt Ltd
Shahjahanpur, Uttar Pradesh, India - 242001