Legal
Intelligence Policy
Effective date: April 16, 2026 · Plain language, not legalese
This is the one place on Merba where we use the terms “artificial intelligence” and “AI” directly, because legal disclosure requires plain technical language. Everywhere else on the platform, we call it what it is: intelligence.
On this page
- What AI does on Merba
- Ad Intelligence (video ad creation)
- Market Intelligence (competitor analysis)
- Knowledge & Intelligence panel
- Guardian Intelligence Advisor (live avatar)
- Data each feature sees
- Third-party AI providers
- Data retention
- AI training & your data
- Human oversight
- Limitations
- Your rights (PIPEDA)
- Contact
1. What AI does on Merba
Merba uses artificial intelligence in four distinct areas: video ad creation, market intelligence analysis, the Knowledge & Intelligence panel (your Signals, Rivals, Stats, and Creative History workspace tabs), and the Guardian Intelligence Advisor. Each is described below. AI is never used to make decisions about your clients, your bookings, or your financial transactions.
All intelligence features operate in a closed loop: data generated through your activity on Merba is processed and returned to you as insight. Merba does not benefit from your business data beyond providing these features to you as a subscriber. Your data is not sold, not shared with other businesses, and not processed for any purpose outside the feature set that generated it.
2. Ad Intelligence — video ad creation
When you request a video ad, Merba’s intelligence pipeline runs entirely on Merba’s infrastructure inside an isolated Docker container. It does not connect to the internet on your behalf or access third-party services beyond those listed in Section 6.
What it does
- Scrapes your business website for publicly available information (name, services, images, brand colors)
- Researches the competitive landscape using publicly available market data
- Composes a strategic brief and scene-by-scene plan for your video ad
- Renders a professional video ad using the Remotion framework on Merba’s servers
- Delivers the completed video for your review before it is published anywhere
Credit cost
Each ad creation consumes 35 credits from your balance. Credits are deducted at the start of the session and refunded if the pipeline fails before delivery.
Data used
Your website content, your service list and pricing, your submitted brief or instructions. No client data, no appointment records, no payment information.
Output storage
Completed video files are stored on Backblaze B2 (see Section 6) and linked to your account. Files remain available through your account until you delete them or they are removed under Merba’s normal storage lifecycle. Supporting job records may be retained for delivery, support, and fraud prevention.
3. Market Intelligence — competitor analysis
Market Intelligence researches your local competitive landscape and identifies pricing gaps, positioning opportunities, and market context for your business category.
What it does
- Identifies businesses in your category and geographic area using publicly available data sources (OpenStreetMap, public business listings)
- Analyzes publicly available pricing and service offerings from competitors
- Generates strategic insights: where you are priced relative to the market, which segments are underserved, and positioning recommendations
What it does not do
- It does not name competing booking platforms (Fresha, Booksy, etc.) in any output
- It does not access non-public data about competitors
- It does not contact competitors or scrape competitor platforms
Storage
Competitor intelligence is stored in your account and attributed to your business only. It is not shared with other businesses on the platform. You can delete it from your settings at any time.
4. Knowledge & Intelligence panel — your workspace tabs
The Signals, Rivals, Stats, and Creative History tabs in your workspace are populated from your business intelligence data — the structured record Merba builds as you use intelligence features. This is not a generic content feed. Everything shown is derived from what Merba has learned specifically about your business, your market, and your category.
What each tab draws from
- Signals — market intelligence signals generated from your business profile, your market position, and your category. When you refresh your Signals, Merba uses the knowledge it has accumulated about your business to generate specific, actionable intelligence: competitive threats, seasonal opportunities, pricing gaps, and client behaviour patterns. These are not templates; they are generated from your data.
- Rivals — competitor profiles identified through your market intelligence scans. Contains publicly available competitive context: price position, perceived strengths and weaknesses, why clients may choose them over you. Updated when you run or refresh your market analysis.
- Stats — market-level data points relevant to your business category and region. Includes both data specific to your situation and, where relevant, broader category benchmarks. Never client-level data.
- Creative History — a record of the ad angles, messaging directions, and visual approaches used in your previous ad sessions. Used to ensure Merba does not repeat the same creative territory without purpose, and to help you see what has been tried and how it was received.
Weekly intelligence digest
If you are on a paid plan, Merba may send a weekly summary email (Sunday morning) containing new signals and intelligence updates from the past seven days. The digest is generated from your existing business intelligence data — no new data collection occurs in connection with the digest itself.
What this feature does not do
- The panel does not share your data with other businesses on the platform
- It does not aggregate your data for cross-business analysis without your consent
- It does not access your client list, appointment records, or payment information
- Signals and insights are generated for you, not surfaced to third parties
5. Guardian Intelligence Advisor — live avatar sessions
The Merba Advisor is a real-time video avatar powered by Runway ML’s gwm1 avatar system. It delivers strategic business advice, answers questions about your Merba account, and can initiate actions (ad creation, promotion setup, calendar navigation) on your behalf with your confirmation.
How it works
- A secure WebRTC session is established directly between your browser and Runway ML’s servers
- Your business context (name, services, prices, plan tier, which page you are on) is sent at session start so the advisor can respond coherently. More detailed operational or intelligence context may be fetched mid-conversation only when needed to answer your question or complete a user-approved action
- Audio and video from the avatar are streamed in real time. Merba does not record or retain this stream
- Microphone access is opt-in — your browser will ask for permission before any audio is captured. If you deny or revoke permission, the session continues in text mode and nothing is transmitted. If you grant permission, your voice is processed by Runway ML for speech recognition during the session
Credit cost
Each advisor session consumes 4 credits from your balance. Credits are deducted atomically at session start. Sessions are capped at 5 minutes (Runway’s maximum for the gwm1 model).
What Runway ML receives
- Your business name, address, active service list and prices, subscription tier
- Which page and panel you have open at session start
- Your voice audio during the session — only if you granted microphone permission in your browser
- Additional context only when Merba determines it is needed to answer your question or complete a user-approved action
What Runway ML does not receive
- Chart notes, health records, or payment card details
- Client identifiers and appointment records are not included in the default session configuration
- Payment information or Stripe account details
- Other businesses’ data
Runway ML data policy
Runway ML processes session data under their commercial API terms. Merba uses the gwm1_avatars model exclusively for real-time avatar delivery. See Runway ML’s Privacy Policy.
5. Data each intelligence feature sees
| Data type | Ad creation | Market intel | Advisor |
|---|---|---|---|
| Business name, address | ✓ | ✓ | ✓ |
| Your services & prices | ✓ | ✓ | ✓ (start) |
| Website content (scraped) | ✓ | — | — |
| Competitor data | ✓ (research) | ✓ | On request |
| Business intelligence taxonomy | ✓ | — | On request |
| Your voice (microphone) | — | — | ✓ (your choice) |
| Client names / emails / phones | ✗ | ✗ | Not in default session |
| Appointment records | ✗ | ✗ | On request |
| Payment / card details | ✗ | ✗ | ✗ |
| Chart notes / health records | ✗ | ✗ | ✗ |
✓ = used ✗ = not used — = not applicable On request = fetched mid-session only when needed for the session Not in default session = excluded from the standard Runway session setup Your choice = your browser requests microphone permission explicitly; you can deny or revoke access at any time from your browser settings, and the Advisor cannot hear you without it
6. Third-party AI and intelligence providers
The following companies provide infrastructure for Merba’s intelligence features:
Anthropic PBC (Claude)
Powers ad creation and market intelligence. Merba uses the Claude Code subscription model — your data is processed under Anthropic’s API commercial terms and is not used to train Claude models. Anthropic is incorporated in the United States and processes data on US servers.
Runway ML Inc.
Powers the Guardian Intelligence Advisor avatar. Real-time WebRTC sessions, speech recognition, and avatar rendering are processed by Runway ML. Session audio is transmitted directly to Runway’s servers during the call. Runway ML is incorporated in the United States.
Backblaze B2 (video storage)
Generated video ads are stored in Backblaze B2 object storage. Files are encrypted at rest and in transit. Backblaze is incorporated in the United States. Files remain available through your account until deleted by you or removed under Merba’s normal cleanup lifecycle.
Hetzner Online GmbH (hosting)
Merba’s application server, database worker, and ad rendering infrastructure run on Hetzner VPS in Germany (EU). Hetzner processes data under EU standard contractual clauses.
Neon Inc. (database)
Your account data, business profile, appointments, and credit balances are stored in Neon Postgres. Neon is incorporated in the United States and provides serverless Postgres hosting.
7. Data retention
- Video ads: Stored with your account until you delete them or they are removed under Merba’s normal cleanup lifecycle.
- Market intelligence: Stored in your account until you delete it or close your account.
- Business intelligence taxonomy: A structured record of facts Merba has learned about your business through intelligence sessions — your service and pricing profile, market positioning observations, creative history, and strategic notes. It contains no client identifiers, appointment records, payment data, or health information. It accumulates over time and is stored in your account. You can request deletion at any time by emailing privacy@merba.app.
- Advisor session audio: Not retained by Merba. Runway ML’s retention practices apply per their policy.
- Credit ledger: Transaction records (credits issued, credits consumed, timestamps) are retained for billing and dispute resolution for 7 years per Canadian tax law.
8. AI training and your data
Merba does not use your business data to train AI models.
Anthropic does not use data submitted via API calls to train Claude models. This is a contractual commitment in their commercial API terms. See Anthropic’s Privacy Policy.
Runway ML’s training data practices are governed by their commercial API terms. Merba does not authorize Runway to use session data for model training purposes.
9. Human oversight
- All AI-generated video ads are delivered to you for review before they are published anywhere. Merba never publishes on your behalf without your explicit approval.
- The Guardian Intelligence Advisor confirms any consequential action (creating an ad, setting up a promotion) with you before executing it. It does not take irreversible actions autonomously.
- Market intelligence output is advisory only. Pricing and strategic decisions remain entirely yours.
- Merba’s developer reviews platform-level AI behavior and maintains quality controls over the intelligence pipeline.
10. Limitations
- AI-generated market analysis is based on publicly available information and may be incomplete or out of date. It is not a substitute for professional market research.
- AI-generated advertisements are creative works. Review them for accuracy, brand alignment, and compliance with advertising standards before publishing.
- The Guardian Intelligence Advisor can discuss your business, your Merba account, and general business strategy. It does not provide legal, medical, financial, or tax advice.
- Intelligence features are dependent on the availability of third-party services (Anthropic, Runway ML). Service interruptions at those providers may temporarily affect feature availability.
11. Your rights (PIPEDA)
Under Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:
- Access: Request a copy of the personal information Merba holds about you, including your credit history and business intelligence data.
- Correction: Request correction of inaccurate personal information.
- Deletion: Request deletion of your account and associated data. Intelligence data, business taxonomy, and market analysis are deleted within 30 days of account closure. Credit transaction records required for tax purposes are retained for 7 years.
- Withdrawal of consent: You may withdraw consent for intelligence features at any time by discontinuing use of those features. Credits consumed are non-refundable once a session has started.
- Complaints: You may lodge a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca.
12. Contact
For questions about how Merba uses artificial intelligence or to exercise your privacy rights:
Merba / Visually Affirmed
Ontario, Canada
Email: privacy@merba.app
Web: merba.app
Response within 30 days per PIPEDA requirements.