Acceptable Use Policy

1. Purpose

This Acceptable Use Policy (“AUP”) defines the rules and guidelines for using SpendCaddie's services. By using our services, you agree to comply with this policy.

2. Prohibited Activities

You agree NOT to use SpendCaddie to:

2.1 Illegal Activities

• Engage in any activity that violates local, state, national, or international law
• Facilitate money laundering, terrorist financing, or other financial crimes
• Evade taxes or engage in tax fraud
• Circumvent financial regulations or banking rules

2.2 Fraudulent Activities

• Provide false or misleading information about your identity or finances
• Impersonate another person or entity
• Access accounts that do not belong to you
• Attempt to manipulate credit scores or financial metrics

2.3 Technical Abuse

• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the service or servers
• Use automated scripts or bots to access the service without permission
• Reverse engineer, decompile, or disassemble our software
• Attempt to bypass security measures or rate limits

2.4 Harmful Content

• Upload viruses, malware, or other malicious code
• Transmit spam, unsolicited communications, or chain letters
• Post content that is defamatory, obscene, or harassing

3. Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized use
• Using strong, unique passwords
• Keeping your contact information up to date

4. Financial Institution Connections

When connecting your financial accounts:

• You must have authorization to access all connected accounts
• You must not share login credentials that belong to others
• You must only connect accounts that are legally yours or for which you have legal authority
• Business accounts require proper authorization from the business entity

5. Data Use

You agree not to:

• Scrape, copy, or harvest data from the service for commercial purposes
• Use the service to build a competitive product
• Share your account data with third parties for commercial gain
• Export data in violation of our terms or applicable laws

6. Resource Usage

You agree to use system resources reasonably. We reserve the right to limit API calls, data syncs, or other resource-intensive activities to ensure fair access for all users.

7. Reporting Violations

If you become aware of any violation of this policy, please report it to us at support@spendcaddie.com with the subject line "AUP Violation Report." We take all reports seriously and will investigate promptly.

8. Consequences of Violation

Violation of this policy may result in:

• Warning and request to cease the prohibited activity
• Temporary suspension of your account
• Permanent termination of your account
• Reporting to law enforcement if illegal activity is suspected
• Civil or criminal legal action

9. Changes to This Policy

We may update this Acceptable Use Policy from time to time. We will notify you of material changes by posting the new policy on our website. Your continued use of the service after changes constitutes acceptance of the updated policy.

10. Governing Law

This policy is governed by the laws of the State of Colorado. Any disputes related to this policy are subject to the arbitration provisions in our Terms of Service.

11. Contact

For questions about this policy or to report a violation, contact us at:

• Policy Violations: support@spendcaddie.com (Subject: "AUP Violation Report")
• Security Issues: security@spendcaddie.com
• Legal Inquiries: legal@spendcaddie.com
• Mailing Address: Bobby Built Ventures LLC (DBA SpendCaddie), 1500 N Grant St, Ste R, Denver, CO 80203