Acceptable Use
Product: Money Compass (The FinCoachHub Ltd)
URL (publish to): https://www.thefincoachhub.com/acceptable-use
Version: 2026-09-27-SOFT-BETA
Status: Soft beta — solicitor review pending; do not present as final counsel sign-off.
Purpose
This Acceptable Use Policy (“AUP”) sets rules for using Money Compass, Monet coaching, uploads, and related TFCH services. Breach may result in feature suspension, crisis holds, or termination of access.
You must not
- Upload others’ statements without lawful authority (no spouse/partner/employer documents without permission).
- Facilitate fraud or misrepresent income, identity, or documents to lenders or partners.
- Harass, threaten, or abuse Monet, support channels, or partners.
- Bypass safety / crisis holds, vulnerability lockouts, or Partner QR gates.
- Scrape, probe, or attack TFCH systems, the broker portal, or other users’ devices.
- Reverse engineer beyond what applicable law expressly permits.
- Use the App to give regulated advice to third parties as if you were authorised.
- Attempt to extract or export vault PII into public channels, social posts, or unauthorised tools.
- Interfere with incubation integrity (fake ripe signals, spoof Match Codes, or forged handoff payloads).
- Use automated bots against Monet or portal endpoints except as expressly allowed by TFCH.
Safety overrides
If the App detects severe gambling distress, suicidality signals, fraud-check needs, or similar crisis markers, coaching may pause and helplines may surface. Do not attempt to circumvent these protections.
Partner / portal users
Firm principals and brokers using portal.thefincoachhub.com must also:
- Keep FCA / PI status current as required by TFCH gates
- Not request or store raw consumer statement dumps from Money Compass
- Disclose fees fairly before consumers choose ancillary vendors
Reporting
Report abuse or security issues to security@thefincoachhub.com (do not include raw statements in email).
Changes
We may update this AUP; the version date on this page controls.