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Acceptable Use Policy

1. Introduction and Scope


This Acceptable Use Policy ("AUP" or "Policy") governs the use of the Services provided by MoneyMind Profile ("we," "us," or "Company"). The Services include our software platform, applications, tools, features, and related services designed for financial service professionals to conduct client behavior profiling and risk profiling analysis, related to financial advisory activities.

 

This Policy applies to all users of the Services, including financial advisory firms, individual financial advisers, administrators, and any other authorized users (collectively, "Users" or "you"). By accessing or using the Services, you agree to comply with this Policy and all applicable laws and regulations.


Important Note: A violation of this Policy constitutes a material breach of your agreement with us and may result in immediate suspension or termination of your access to the Services, with or without notice.


2. Permitted Uses
The Services are designed exclusively for legitimate financial advisory purposes, including:

  • Conducting client behavior profiling and risk profiling assessments

  • Servicing client relationships and advisory workflows

  • Generating client profiling reports

  • Maintaining records in compliance with applicable financial services regulations

  • Collaborating with authorized colleagues within your organization

  • Accessing educational resources and platform support materials

 

Users must ensure all use of the Services complies with applicable financial services regulations in Australia, the United Kingdom, and the United States, including but not limited to:

  • Australian Securities and Investments Commission (ASIC) requirements

  • Financial Conduct Authority (FCA) regulations (UK)

  • Securities and Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA) rules (US)

  • Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations

  • Data protection laws including GDPR, CCPA, and Australian Privacy Principles

 

3. Prohibited Activities

 

3.1 Illegal and Unauthorized Activities
You must not use the Services to:

Legal Violations:

  • Engage in or facilitate any illegal, fraudulent, or deceptive activities

  • Violate any applicable laws, regulations, or regulatory guidance in any jurisdiction

  • Infringe upon intellectual property rights, including copyrights, trademarks, patents, or trade secrets

  • Violate privacy rights or misappropriate personal or confidential information

  • Facilitate money laundering, terrorist financing, or other financial crimes

  • Process transactions involving sanctioned individuals or entities

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Unauthorized Access and Misuse:

  • Access or attempt to access accounts, data, or systems you are not authorized to access

  • Share login credentials or provide access to unauthorized individuals

  • Use another person's account without their explicit authorization

  • Circumvent, disable, or interfere with security features, authentication measures, or access controls

  • Probe, scan, or test the vulnerability of the Services or any related systems or networks

  • Breach or attempt to breach any security or authentication measures

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3.2 Data Protection and Client Information Violations
Prohibited Data Practices:

  • Collect, process, store, or transmit client personal data beyond what is necessary for legitimate advisory purposes

  • Use client data for purposes other than those explicitly authorized by the client

  • Share, sell, or disclose client information to unauthorized third parties

  • Fail to implement appropriate security measures to protect client data

  • Store regulated financial data (including personally identifiable information) in violation of applicable data protection standards including PCI DSS where applicable

  • Upload or process data belonging to individuals who have not provided appropriate consent

  • Retain client data longer than permitted by applicable regulations or your data retention policies

 

Client Privacy Violations:

  • Use the Services in a manner that violates client confidentiality obligations

  • Access or view client information for purposes unrelated to providing advisory services

  • Fail to comply with client data subject rights requests (access, deletion, portability, etc.)

  • Transfer client data across borders in violation of applicable data protection laws

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3.3 Content and Communication Violations

You must not use the Services to create, upload, transmit, display, or distribute content that:

  • Is defamatory, libelous, threatening, harassing, abusive, or hateful

  • Contains malware, viruses, worms, Trojan horses, time bombs, or other harmful code

  • Violates the rights of any third party, including privacy, publicity, or contractual rights

  • Contains false, misleading, or deceptive statements, including in client-facing materials

  • Promotes discrimination based on race, ethnicity, national origin, religion, gender, sexual orientation, disability, age, or other protected characteristics

  • Contains adult content, explicit material, or content inappropriate for a professional financial services context

  • Misrepresents your qualifications, regulatory status, or authorization to provide financial advice

 

3.4 Platform Integrity and Performance
System Interference:

  • Disrupt, interfere with, or degrade the performance, security, or availability of the Services

  • Use automated systems (bots, scrapers, crawlers) to access the Services without authorization

  • Overload, flood, or spam the Services or infrastructure

  • Introduce or distribute content designed to interrupt, destroy, or limit functionality

  • Reverse engineer, decompile, disassemble, or attempt to derive source code from the Services

  • Create derivative works based on the Services without authorization

  • Remove, obscure, or alter any proprietary notices, labels, or marks

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Resource Abuse:

  • Use the Services in a manner that consumes excessive computational resources

  • Store, process, or transmit data unrelated to legitimate advisory activities

  • Use the Services for cryptocurrency mining or similar resource-intensive activities

  • Deploy the Services for purposes of competing with or benchmarking against our platform

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3.5 Professional and Ethical Misconduct
Advisory Practice Violations:

  • Provide financial advice beyond the scope of your professional qualifications or regulatory authorization

  • Make unsuitable recommendations that are inconsistent with a client's risk profile or objectives

  • Fail to conduct appropriate due diligence or suitability assessments

  • Engage in churning, unauthorized trading, or other prohibited sales practices

  • Make guarantees of investment performance or returns

  • Provide advice while subject to conflicts of interest that have not been properly disclosed

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Misrepresentation:

Misrepresent your credentials, licenses, registrations, or professional affiliations
Make false or misleading claims about investment products or strategies
Claim endorsement by or affiliation with regulatory bodies without authorization
Impersonate another adviser, firm, or entity
Use the Services to facilitate pump-and-dump schemes, market manipulation, or insider trading

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3.6 Spam and Unsolicited Communications
You must not use the Services to:

  • Generate or facilitate unsolicited commercial email (spam) or bulk communications

  • Send communications to individuals who have not provided appropriate consent

  • Engage in or facilitate phishing, spoofing, or social engineering attacks

  • Distribute chain letters, pyramid schemes, or multi-level marketing solicitations

  • Harvest email addresses or other contact information without authorization

 

3.7 Third-Party Services and Integrations
When using third-party integrations or connected services:

  • You must comply with the terms of service and acceptable use policies of such third parties

  • You must not use integrations to circumvent restrictions or limitations in this Policy

  • You are responsible for evaluating the security and compliance of third-party services

  • You must not use our Services to access third-party services in violation of their terms

 

4. Data Security and Compliance Obligations
4.1 Security Requirements
Users must:

  • Maintain strong, unique passwords and enable multi-factor authentication where available

  • Immediately report any suspected security incidents, data breaches, or unauthorized access

  • Implement appropriate organizational and technical security measures for client data

  • Ensure all devices used to access the Services have up-to-date security software

  • Encrypt sensitive client data both in transit and at rest where technically feasible

  • Limit access to the Services to authorized personnel on a need-to-know basis

 

4.2 Regulatory Compliance
Users are solely responsible for:

  • Maintaining all required licenses, registrations, and authorizations to provide financial advice

  • Complying with all applicable financial services regulations in jurisdictions where they operate

  • Maintaining adequate professional indemnity insurance

  • Implementing and maintaining Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) programs

  • Conducting Know Your Customer (KYC) and customer due diligence procedures

  • Maintaining appropriate records as required by applicable regulations

  • Filing required regulatory reports and disclosures

  • Responding to regulatory inquiries and examinations

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4.3 Client Consent and Authorization
Before using the Services to collect or process client data, you must:

  • Obtain appropriate consent from clients for data collection and processing

  • Provide clients with clear privacy notices explaining how their data will be used

  • Ensure clients understand the nature and purpose of behavior profiling and risk profiling assessments

  • Maintain records of client consent and authorization

  • Honor client requests to access, correct, or delete their personal information

 

5. Monitoring and Enforcement
5.1 Our Rights
We reserve the right to:

  • Monitor use of the Services to ensure compliance with this Policy and detect violations

  • Investigate suspected violations of this Policy or applicable laws

  • Access, preserve, and disclose account information and content where we believe it is necessary to comply with legal obligations, protect our rights, or respond to lawful requests from authorities

  • Remove or disable access to content that violates this Policy

  • Implement technical measures to prevent or mitigate prohibited activities

  • Important: While we reserve these rights, we are not obligated to monitor all use of the Services and cannot guarantee detection or prevention of all policy violations. You remain solely responsible for your use of the Services.

 

5.2 Consequences of Violations
Violations of this Policy may result in one or more of the following actions, at our sole discretion:

 

Progressive Enforcement:

  • First Violation (Minor): Written warning and requirement to cease prohibited activity immediately

  • Subsequent or Serious Violations: Temporary suspension of account access (typically 7-30 days)

  • Repeated or Severe Violations: Permanent termination of account and access to Services

 

Immediate Actions for Severe Violations:

We may immediately suspend or terminate access without prior notice for:

  • Activities that pose immediate risk to the security, integrity, or availability of the Services

  • Violations of law or regulations, including financial crimes

  • Serious data protection violations or security breaches

  • Activities that harm or risk harm to other users or their clients

  • Fraud, impersonation, or material misrepresentation

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Additional Consequences:

  • Removal of content and data that violates this Policy

  • Reporting of violations to law enforcement or regulatory authorities as required or appropriate

  • Cooperation with investigations by authorities

  • Pursuit of legal remedies, including claims for damages

  • Forfeiture of fees paid for the Services (no refunds for terminated accounts)

  • Prohibition from creating new accounts or accessing the Services in the future

 

5.3 User Reporting
If you become aware of any violation of this Policy by another user, please report it immediately to [abuse@yourcompany.com]. We investigate all reports and take appropriate action.

 

6. Disclaimers and Limitations
6.1 No Professional Advice from Company
The Services are tools to assist you in providing financial advice to your clients. We do not provide financial, legal, tax, or investment advice. You are solely responsible for:

  • The accuracy and appropriateness of advice provided to clients

  • Ensuring advice is suitable for each client's individual circumstances

  • Complying with all professional and regulatory obligations

  • The interpretation and application of risk profiles and behaviour assessments

 

6.2 Third-Party Content and Services
The Services may contain or provide access to third-party data, content, tools, or services. We do not endorse, warrant, or guarantee:

  • The accuracy, reliability, or completeness of third-party content

  • The performance or availability of third-party services

  • The compliance of third-party services with applicable regulations

  • The security or privacy practices of third-party providers

You are responsible for evaluating and accepting the risks associated with third-party content and services.

 

6.3 Service Availability
While we strive to maintain high availability, we do not guarantee uninterrupted or error-free access to the Services. We may suspend or restrict access for maintenance, upgrades, or security reasons. We are not liable for any loss or damage resulting from service interruptions.


7. Changes to This Policy
We may modify this Policy at any time to reflect changes in our Services, legal requirements, or industry best practices. We will provide notice of material changes by either:

  • Posting the updated Policy on our website with a new "Last Updated" date

  • Sending email notification to the primary contact for your account

  • Displaying an in-platform notification upon your next login

Your continued use of the Services after the effective date of changes constitutes acceptance of the revised Policy. If you do not agree to the changes, you must discontinue use of the Services and may terminate your account in accordance with your agreement.


8. Relationship to Other Agreements
This Policy is incorporated into and forms part of your Master Subscription Agreement or other governing agreement with us (the "Agreement"). In the event of any conflict between this Policy and the Agreement, the Agreement shall control unless this Policy is more restrictive, in which case this Policy shall control.
You must also comply with:

  • Our Privacy Policy

  • Our Repeat Infringer Policy

  • Any industry-specific terms or requirements applicable to your jurisdiction

  • All applicable laws and regulations

 

9. Jurisdictional Considerations
9.1 Multi-Jurisdictional Compliance
As we operate in Australia, the United Kingdom, and the United States, users must ensure compliance with the most stringent applicable requirements across these jurisdictions. Where jurisdictional requirements conflict, consult legal counsel to determine your obligations.


9.2 Specific Regulatory Frameworks
Users should be aware of and comply with:


Australia:

  • ASIC Regulatory Guides (particularly RG 175, RG 244, RG 146)

  • Corporations Act 2001

  • Australian Privacy Principles under the Privacy Act 1988

  • AML/CTF Act 2006

 

United Kingdom:

  • FCA Handbook and Principles for Businesses

  • Senior Managers and Certification Regime (SM&CR)

  • UK GDPR and Data Protection Act 2018

  • Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017

 

United States:

  • Investment Advisers Act of 1940

  • Securities Exchange Act of 1934

  • Gramm-Leach-Bliley Act (GLBA)

  • SEC rules and FINRA regulations

  • State-specific regulations for registered investment advisers

  • Bank Secrecy Act and USA PATRIOT Act requirements

 

10. Contact Information
For questions about this Policy, to report violations, or to request clarification on permitted uses:

 

support@moneymindprofile.com


11. Severability
If any provision of this Policy is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.


12. Governing Law and Dispute Resolution
This Policy and any disputes arising from it shall be governed by the laws specified in your Master Subscription Agreement. Any disputes shall be resolved in accordance with the dispute resolution provisions of that Agreement.

 

Acknowledgment: By using the Services, you acknowledge that you have read, understood, and agree to be bound by this Acceptable Use Policy. You represent that you have the authority to bind your organization to this Policy if you are using the Services on behalf of a firm or entity.

 

13. Contact Information
For questions about this Policy or to submit notifications of claimed infringement, please contact us at:


MoneyMind Profile
Email: support@moneymindprofile.com

Document Version: 2.0
Effective Date: 20 January 2026

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This Acceptable Use Policy is a binding legal document. If you are uncertain about any provision or how it applies to your specific situation, please consult with legal counsel before using the Services.

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