INTRODUCTION
This Acceptable Use Policy ("Policy") governs your use of XPlus Finance services provided by XPlus Technologies LLC ("Company", "we", "us", or "our").
By accessing or using XPlus Finance, you agree to comply with this Policy. Violation of this Policy may result in suspension or termination of your account.
This Policy applies to all users of our platform, including free and premium subscribers, referral program participants, and anyone accessing our services.
We reserve the right to modify this Policy at any time. Continued use of our services after changes constitutes acceptance of the modified Policy.
SCOPE AND APPLICATION
Applicability:
SCOPE AND APPLICATION
- All users of XPlus Finance services (free and premium)
- All activities conducted through our platform, website, mobile applications, and APIs
- All user-generated content, communications, and interactions
- All referral program participants
- All AI assistant usage
Responsibility:
All AI assistant usage
- All activities conducted through your account
- Maintaining the confidentiality of your login credentials
- Ensuring compliance with this Policy by anyone using your account
- All content posted, uploaded, or transmitted through your account
All content posted, uploaded, or transmitted through your account
- Monitor user activities for compliance with this Policy
- Investigate suspected violations
- Suspend or terminate accounts without prior notice for serious violations
- Report illegal activities to law enforcement authorities
PERMITTED USES
PERMITTED USES
Personal Financial Management:
- Tracking personal income, expenses, and budgets
- Managing personal investment portfolios (stocks, cryptocurrencies)
- Connecting bank accounts for transaction aggregation
- Analyzing spending patterns and financial health
- Setting and tracking financial goals
Educational Purposes:
- Learning about personal finance, investing, and budgeting
- Accessing financial education content and resources
- Using AI assistant for financial questions and guidance
- Exploring financial tools and calculators
Subscription Services:
- Subscribing to premium features and services
- Managing subscription plans and billing
- Accessing premium educational content
- Utilizing advanced analytics and insights
Referral Program Participation:
- Sharing your unique referral link with friends and family
- Earning commissions for legitimate referrals who subscribe
- Participating in promotional campaigns and incentives
- Withdrawing earned commissions according to our policies
Community Engagement:
- Providing feedback and feature requests
- Participating in surveys and user research
- Contacting customer support for assistance
- Reporting bugs and technical issues
AI Assistant Usage:
- Asking financial questions and seeking guidance
- Requesting budget recommendations and financial advice
- Learning about financial concepts and terminology
- Receiving personalized financial insights based on your data
PROHIBITED ACTIVITIES
PROHIBITED ACTIVITIES
4.1 FRAUD AND DECEPTION
PROHIBITED ACTIVITIES
- Providing false, misleading, or fraudulent information during registration
- Using stolen, fake, or fraudulent payment methods
- Creating accounts with false identities or impersonating others
- Misrepresenting your relationship with any person or entity
- Engaging in identity theft or using someone else's personal information
- Submitting fraudulent tax information (W-9, W-8BEN, etc.)
- Creating chargeback fraud (disputing legitimate charges)
- Engaging in refund abuse or subscription fraud
Engaging in refund abuse or subscription fraud
- Registering with a fake name or stolen identity
- Using a stolen credit card to pay for subscriptions
- Claiming chargebacks for services properly rendered
- Providing false tax identification numbers
4.2 ACCOUNT ABUSE
Providing false tax identification numbers
- Creating multiple accounts to exploit promotions, referral programs, or free trials
- Using automated scripts, bots, or tools to create accounts
- Sharing account credentials with third parties
- Selling, trading, or transferring accounts to other users
- Circumventing account suspension or termination by creating new accounts
- Using another person's account without authorization
Using another person's account without authorization
- Each individual is permitted ONE (1) account only
- Multiple accounts created by the same person will be consolidated or terminated
- All referral commissions earned through multiple accounts will be forfeited
- Subscriptions paid through duplicate accounts are non-refundable
Subscriptions paid through duplicate accounts are non-refundable
- Business accounts and personal accounts may coexist with prior approval
- Contact [email protected] for legitimate business use cases
4.3 REFERRAL PROGRAM ABUSE
Contact [email protected] for legitimate business use cases
- Referring yourself using fake identities or multiple accounts
- Paying, incentivizing, or coercing individuals to sign up through your referral link
- Promoting referral links through spam, unsolicited emails, or deceptive advertising
- Using automated bots or scripts to generate fake referrals
- Creating fake accounts to earn referral commissions
- Manipulating the referral system to earn undeserved commissions
- Referring users who have no genuine interest in the service
Referring users who have no genuine interest in the service
- Immediate forfeiture of all referral commissions (earned and pending)
- Permanent ban from referral program participation
- Account suspension or termination
- Legal action for fraudulent earnings exceeding $1,000
- Reversal of payouts and collection of fraudulently obtained funds
Reversal of payouts and collection of fraudulently obtained funds
- Share your link with friends, family, and genuinely interested individuals
- Disclose that you receive a commission for referrals
- Promote through your personal social media or blog (no spam)
- Provide honest, accurate information about XPlus Finance services
4.4 HACKING AND SECURITY VIOLATIONS
Provide honest, accurate information about XPlus Finance services
- Attempting to gain unauthorized access to other user accounts
- Exploiting security vulnerabilities to access restricted areas or data
- Conducting brute-force attacks, password cracking, or credential stuffing
- Intercepting, monitoring, or tampering with other users' data transmissions
- Reverse engineering, decompiling, or disassembling our software or applications
- Bypassing authentication, encryption, or access control mechanisms
- Conducting penetration testing without prior written authorization
- Distributing malware, viruses, or malicious code through our platform
Distributing malware, viruses, or malicious code through our platform
- Security researchers should report vulnerabilities through our Vulnerability Disclosure Program
- Do not exploit vulnerabilities for personal gain or malicious purposes
- See our Security Policy for responsible disclosure guidelines
- Contact [email protected] for security reports
4.5 AI ASSISTANT MISUSE
Contact [email protected] for security reports
- Using AI assistant to generate illegal, fraudulent, or harmful content
- Attempting to manipulate or "jailbreak" AI models to bypass safety guardrails
- Extracting proprietary algorithms, training data, or model parameters
- Using AI assistant output for commercial purposes without authorization
- Submitting excessive or abusive queries to overwhelm system resources
- Using AI assistant to impersonate XPlus Finance employees or support staff
- Attempting to generate content that violates our Terms of Service
Attempting to generate content that violates our Terms of Service
- Use AI assistant for personal financial guidance and education
- Do not share sensitive credentials (passwords, full account numbers) with AI
- Verify AI-generated advice before making financial decisions
- Report inappropriate or harmful AI responses to support
4.6 SPAM AND UNSOLICITED COMMUNICATIONS
Report inappropriate or harmful AI responses to support
- Sending spam, unsolicited emails, or bulk messages to other users
- Using our platform to distribute phishing attempts or scam messages
- Harvesting user email addresses or personal information
- Posting spam content or advertisements in user-generated content areas
- Promoting third-party services, products, or competing platforms
- Conducting surveys or research without XPlus Finance authorization
4.7 ILLEGAL ACTIVITIES
Conducting surveys or research without XPlus Finance authorization
- Using XPlus Finance for money laundering or terrorist financing
- Processing transactions for illegal goods or services
- Engaging in tax evasion or financial crimes
- Violating export controls, sanctions, or embargoes
- Conducting insider trading or securities fraud
- Operating pyramid schemes, Ponzi schemes, or multi-level marketing scams
- Gambling or operating games of chance (where prohibited by law)
- Violating anti-money laundering (AML) or know-your-customer (KYC) regulations
Violating anti-money laundering (AML) or know-your-customer (KYC) regulations
- We comply with all applicable financial regulations
- Suspicious activities will be reported to authorities
- We cooperate with law enforcement investigations
4.8 ABUSIVE BEHAVIOR
We cooperate with law enforcement investigations
- Harassing, threatening, or intimidating other users or XPlus Finance staff
- Posting hateful, discriminatory, or offensive content
- Engaging in cyberbullying, doxxing, or stalking
- Using profane, vulgar, or obscene language in communications with support
- Making false accusations or defamatory statements about XPlus Finance
- Submitting frivolous or abusive support tickets or chargebacks
4.9 SYSTEM ABUSE AND RESOURCE EXPLOITATION
Submitting frivolous or abusive support tickets or chargebacks
- Overloading servers with excessive API requests or automated queries
- Conducting denial-of-service (DoS) or distributed denial-of-service (DDoS) attacks
- Scraping, crawling, or harvesting data without authorization
- Using our infrastructure for cryptocurrency mining or computational resource theft
- Exploiting bugs or glitches for unfair advantage or profit
- Interfering with other users' access to services
Interfering with other users' access to services
- API usage is subject to rate limits (see API documentation)
- Excessive usage may result in temporary throttling or suspension
- Contact support for enterprise or high-volume use cases
4.10 DATA MISUSE
Contact support for enterprise or high-volume use cases
- Accessing, collecting, or using other users' personal information
- Sharing confidential or sensitive data obtained through our platform
- Using data obtained from XPlus Finance for purposes outside our Terms of Service
- Selling or distributing user data to third parties
- Creating datasets or databases from scraped XPlus Finance data
ACCOUNT SECURITY AND RESPONSIBILITY
Your Obligations:
ACCOUNT SECURITY AND RESPONSIBILITY
- Use strong, unique passwords (minimum 12 characters, mix of letters, numbers, symbols)
- Never share your password with others
- Enable multi-factor authentication (MFA) for enhanced security
- Change your password immediately if you suspect unauthorized access
Change your password immediately if you suspect unauthorized access
- Regularly review account activity and transaction history
- Report unauthorized access or suspicious activity immediately
- Update your contact information to receive security alerts
- Sign out from shared or public devices after use
Sign out from shared or public devices after use
- Do not access your account from public Wi-Fi without VPN protection
- Keep your devices and software updated with latest security patches
- Beware of phishing emails claiming to be from XPlus Finance
- Verify the URL (xplusfinance.com) before entering credentials
Our Security Measures:
- TLS 1.3 encryption for all data transmission
- Bcrypt password hashing (never stored in plain text)
- Multi-factor authentication (MFA) support
- Session management and automatic logout
- Real-time fraud detection and anomaly monitoring
- 24/7 security monitoring and incident response
24/7 security monitoring and incident response
- Email: [email protected]
- Include: Nature of incident, date/time, affected account
- We will investigate and respond within 24-48 hours
USER-GENERATED CONTENT
Scope:
USER-GENERATED CONTENT
- Profile information and personal details
- Financial data entered manually (transactions, budgets, goals)
- Comments, feedback, and feature requests
- Support ticket messages and attachments
- Any other content you create, upload, or transmit
Content Standards:
Any other content you create, upload, or transmit
- Be accurate, truthful, and not misleading
- Comply with all applicable laws and regulations
- Respect intellectual property rights of others
- Not contain malicious code, viruses, or malware
- Not violate privacy rights of other individuals
Not violate privacy rights of other individuals
- Illegal, fraudulent, or deceptive content
- Hateful, discriminatory, or offensive material
- Sexually explicit or inappropriate content
- Content promoting violence, terrorism, or harm
- Spam, advertisements, or commercial solicitations
Content Ownership and License:
Spam, advertisements, or commercial solicitations
- Store, process, and display content necessary for service delivery
- Analyze content to provide personalized recommendations and insights
- Use anonymized, aggregated data for product improvement
Use anonymized, aggregated data for product improvement
- Claim ownership of your financial data
- Share your content with third parties without authorization
- Use your content for marketing without consent
INTELLECTUAL PROPERTY RIGHTS
XPlus Finance Proprietary Rights:
INTELLECTUAL PROPERTY RIGHTS
- XPlus Finance trademarks, logos, and brand materials
- Software code, algorithms, and proprietary technology
- Website design, graphics, and user interface
- Educational content, articles, and guides
- AI models, training data, and outputs
AI models, training data, and outputs
- Copying, reproducing, or distributing our proprietary materials
- Creating derivative works based on our software or content
- Removing copyright notices or proprietary markings
- Using our trademarks without written authorization
Third-Party Content:
- Market data (stocks, cryptocurrencies) is provided by third-party APIs
- Financial news and information is sourced from licensed providers
- Respect intellectual property rights of data providers
- Do not redistribute or commercialize third-party data
MONITORING AND ENFORCEMENT
Our Rights:
MONITORING AND ENFORCEMENT
- Monitor user activities for compliance with this Policy
- Review account data, transaction patterns, and usage behaviors
- Investigate suspected violations or fraudulent activities
- Access and review user-generated content when necessary
- Use automated systems and AI to detect abuse patterns
Detection Methods:
Use automated systems and AI to detect abuse patterns
- Automated fraud detection algorithms
- Machine learning models for anomaly detection
- Pattern analysis for referral abuse and multiple accounts
- IP address tracking and device fingerprinting
- Transaction monitoring for suspicious activities
- User behavior analytics
User behavior analytics
- Multiple accounts from same IP address or device
- Unusual referral patterns (all referrals from same location)
- Rapid account creation and cancellation
- Excessive chargebacks or refund requests
- Abnormal API usage or system access patterns
Privacy and Transparency:
- Monitoring is conducted in accordance with our Privacy Policy
- Personal data is protected and used only for security purposes
- We do not sell monitoring data to third parties
- Users can request information about monitoring activities affecting their account
VIOLATION CONSEQUENCES
Enforcement Actions:
VIOLATION CONSEQUENCES
VIOLATION CONSEQUENCES
- First-time minor violations may result in a written warning
- Warning includes explanation of violation and required corrective action
- Failure to comply may result in escalated enforcement
Failure to comply may result in escalated enforcement
- Account access suspended for specified period (typically 7-30 days)
- Subscription services paused during suspension
- Access to funds and data may be restricted
- Reinstatement requires acknowledgment of violation and commitment to compliance
Reinstatement requires acknowledgment of violation and commitment to compliance
- Account permanently closed and deactivated
- All data deleted according to our Data Retention Policy (except legal retention requirements)
- Referral commissions forfeited (earned and pending)
- Subscriptions cancelled without refund
- Banned from creating new accounts
- Legal action for fraudulent activities or financial losses
Legal action for fraudulent activities or financial losses
- Forfeiture of referral commissions and pending payouts
- Reversal of fraudulent transactions
- Collection efforts for outstanding debts or fraudulent earnings
- Reporting to payment processors (Stripe) and fraud databases
- Cooperation with law enforcement for criminal activities
- Legal action and pursuit of damages
Immediate Termination Offenses:
Legal action and pursuit of damages
- Identity theft or impersonation
- Payment fraud or stolen payment methods
- Hacking, unauthorized access, or security breaches
- Referral fraud exceeding $500 in commissions
- Money laundering or terrorist financing
- Distributing malware or conducting cyberattacks
- Repeated violations after prior warnings or suspensions
REPORTING VIOLATIONS
How to Report:
REPORTING VIOLATIONS
REPORTING VIOLATIONS
REPORTING VIOLATIONS
REPORTING VIOLATIONS
- Your name and account email (optional for anonymous reports)
- Description of the violation
- Username or account involved (if known)
- Date, time, and context of the violation
- Supporting evidence (screenshots, links, messages)
What We Will Do:
- Acknowledgment: Confirm receipt within 1-2 business days
- Investigation: Review report and gather evidence (typically 3-7 days)
- Action: Take appropriate enforcement action based on findings
- Follow-Up: Notify reporter of outcome (where appropriate and permitted)
Confidentiality:
- Reports are kept confidential to the extent legally permissible
- Reporter identity is not disclosed to the accused party
- Anonymous reports are accepted and investigated
False Reports:
- Knowingly submitting false reports is a violation of this Policy
- Malicious reporting may result in account suspension
- Use reporting mechanism responsibly and in good faith
APPEALS PROCESS
Right to Appeal:
APPEALS PROCESS
How to Appeal:
APPEALS PROCESS
APPEALS PROCESS
APPEALS PROCESS
- Your full name and account email
- Date of suspension/termination notice
- Explanation of why you believe the action was incorrect
- Supporting evidence or documentation
- Commitment to comply with policies going forward
Appeal Timeline:
- Submission Deadline: Appeals must be submitted within 30 days of enforcement action
- Review Period: Appeals reviewed within 7-14 business days
- Decision: Final decision communicated via email
- One Appeal Only: Each enforcement action is subject to one appeal
Appeal Outcomes:
One Appeal Only: Each enforcement action is subject to one appeal
- Violation determination reversed
- Account access restored
- Apology issued for erroneous action
Apology issued for erroneous action
- Suspension period shortened based on mitigating factors
- Conditions for reinstatement clarified
Conditions for reinstatement clarified
- Original enforcement action upheld
- Explanation provided for denial
- Decision is final (no further appeals)
Non-Appealable Actions:
Decision is final (no further appeals)
- Termination for illegal activities (fraud, money laundering, hacking)
- Termination for severe safety violations (threats, harassment)
- Repeated violations after prior warnings and suspensions
- Court orders or legal requirements mandating termination
UPDATES AND CHANGES
Policy Modifications:
UPDATES AND CHANGES
- Reflect changes in legal or regulatory requirements
- Address emerging abuse patterns or security threats
- Clarify existing provisions based on user feedback
- Expand or modify prohibited activities
Notification of Changes:
Expand or modify prohibited activities
- Email notification to all registered users at least 30 days before effective date
- Notice posted on website and in-app notification
- Summary of key changes provided
Summary of key changes provided
- Updated policy posted on website
- Version number and last updated date modified
- Continued use constitutes acceptance of changes
Version History:
- Version 1.0 (November 15, 2025): Initial publication
Version 1.0 (November 15, 2025): Initial publication
- Review this Policy periodically for updates
- Continued use of services after changes constitutes acceptance
- If you disagree with changes, discontinue use and close your account
CONTACT INFORMATION
General Inquiries:
Email: [email protected]
Abuse Reports:
Email: [email protected]
Appeals:
Email: [email protected]
Security Issues:
Email: [email protected]
Legal Matters:
Email: [email protected]
Mailing Address:
XPlus Technologies LLC
100 East Pine Street, Suite 110
Orlando, FL 32801
Governing Law:
This Acceptable Use Policy shall be governed by and construed in accordance with the laws of the State of Florida, USA, without regard to its conflict of law provisions.
Jurisdiction:
Any disputes arising from this Policy shall be subject to the exclusive jurisdiction of the courts located in Orange County, Florida.