Acceptable Use Policy

1. General Principles

Platform Intended Use

• Financial education and assessment for personal use
• Learning about personal finance management
• Tracking financial goals and progress (premium feature)
• Analyzing personal financial documents (premium feature)
• Accessing educational content and AI-powered insights

2. Prohibited Activities

Illegal Activities

• 1Money Laundering: Using the platform to facilitate money laundering or financial crimes
• 2Fraud: Providing false information or attempting to defraud other users
• 3Tax Evasion: Using the platform to facilitate tax evasion or illegal tax schemes
• 4Identity Theft: Using another person's identity or financial information
• 5Terrorist Financing: Any activities related to terrorist financing or support

Platform Abuse

• 6Unauthorized Access: Attempting to access other users' accounts or data
• 7System Interference: Disrupting, hacking, or compromising platform security
• 8Data Scraping: Automated extraction of data from the platform
• 9Reverse Engineering: Attempting to reverse engineer our algorithms or code
• 10API Abuse: Excessive or unauthorized use of platform APIs

Content Violations

• 11Malicious Files: Uploading viruses, malware, or malicious code
• 12Inappropriate Content: Uploading pornographic, violent, or illegal content
• 13Spam: Sending unsolicited communications or spam content
• 14Phishing: Attempting to collect credentials or personal information fraudulently

Commercial Violations

• 15Unauthorized Resale: Reselling access to the platform or services
• 16Account Sharing: Sharing premium accounts or credentials
• 17Competing Services: Using our platform to develop competing financial services
• 18Commercial Use: Using free accounts for commercial or business purposes

3. Content Guidelines

User-Generated Content

Document Upload Guidelines

• Own Documents Only: Upload only your own financial documents
• Remove Sensitive Info: Redact unnecessary sensitive information before upload
• Legitimate Purpose: Upload documents for legitimate financial analysis only
• Format Compliance: Ensure documents are in acceptable formats (PDF, Excel, CSV, images)
• Size Limits: Respect file size limitations (max 10MB)

4. Security Requirements

Account Security

• Strong Passwords: Use strong, unique passwords for your account
• Secure Access: Log in only from secure, trusted devices
• Regular Updates: Keep your contact information current
• Suspicious Activity: Report any suspicious account activity immediately

Data Protection

• Confidentiality: Keep your login credentials confidential
• Session Management: Log out from shared or public computers
• Network Security: Use secure networks for accessing sensitive features
• Device Security: Ensure your devices are secure and up-to-date

5. Violation Consequences

Enforcement Actions

6. Reporting Violations

7. Appeals Process

Account Actions Appeals

• Appeal Deadline: Submit appeals within 30 days of action
• Appeal Channel: appeals@compoundly.com
• Required Information: Account details, action date, explanation of circumstances
• Review Process: Independent review by different team member
• Decision Timeline: Response within 10 business days

Appeal Outcomes

• Action Reversed: Full account restoration and apology
• Action Modified: Reduced penalty or modified restrictions
• Action Upheld: Original decision confirmed with explanation
• Additional Evidence: Request for additional evidence or clarification

8. Platform Monitoring

Automated Monitoring

• Content Scanning: Automated scanning for prohibited content
• Behavior Analysis: Monitoring for suspicious usage patterns
• Security Monitoring: Continuous monitoring for security threats
• Fraud Detection: Automated fraud and abuse detection systems

Human Review

• Escalated Cases: Human review of complex violations
• Appeal Reviews: Human review of all appeal requests
• Policy Development: Regular review and update of policies
• Training: Ongoing training for content moderation staff

9. User Responsibilities

Personal Responsibility

• Policy Awareness: Stay informed about current policies and updates
• Compliance: Ensure all activities comply with applicable laws and policies
• Reporting: Report violations you encounter on the platform
• Security: Maintain good security practices for your account

Community Standards

• Respectful Interaction: Treat other users and staff with respect
• Constructive Communication: Provide helpful and constructive feedback
• Platform Integrity: Help maintain the integrity and security of the platform
• Educational Purpose: Use the platform for its intended educational purposes

10. Legal Compliance

Applicable Laws

• Financial Regulations: Comply with applicable financial services laws
• Data Protection: Respect privacy and data protection regulations
• Anti-Money Laundering: Comply with AML and KYC requirements
• Intellectual Property: Respect copyright and trademark laws

Jurisdiction Considerations

• Local Laws: Ensure compliance with laws in your jurisdiction
• International Use: Consider international legal requirements
• Professional Standards: Comply with professional codes of conduct if applicable
• Regulatory Changes: Stay informed about relevant regulatory changes

11. Policy Updates

Update Process

• Regular Review: Policies reviewed and updated regularly
• User Input: User feedback considered in policy updates
• Legal Changes: Updates to reflect changes in applicable laws
• Platform Evolution: Policies updated as platform features evolve

Notification

• Material Changes: 30 days advance notice for significant changes
• Communication Methods: Email, platform notifications, website updates
• Continued Use: Continued use implies acceptance of updated policies
• Objection Rights: Right to discontinue use if you disagree with changes

12. Contact Information