Acceptable Use Policy

Last updated: October 20, 2026

This Acceptable Use Policy ("AUP") supplements our Terms of Service and applies to everyone who uses Money God, a service of SPARCgen Inc, a Delaware corporation headquartered in Plainsboro, New Jersey ("SPARCgen", "we", "us"). We may update this policy from time to time; the current version is always posted at this address.

By using Money God you agree not to do any of the things below. Violations may result in suspension or termination of your account, with or without notice.

1. Use it for your own family's money

Money God is for managing your own and your family's personal finances. You may only connect accounts, enter information and upload documents that are yours, or that you are authorized to manage (for example, as a spouse, parent, guardian, or with the account holder's permission). You may not use it to:

• Access or attempt to access another person's financial accounts, data or documents without their authorization
• Invite someone into a household to show them information you have no right to share
• Upload another person's documents or identifiers without the right to do so

2. Prohibited content and conduct

You may not use Money God to store, process or facilitate anything that:

• Violates any applicable law or regulation, including tax, securities, anti-money-laundering, sanctions, privacy and consumer-protection laws
• Is fraudulent or deceptive — for example, fabricating financial records, statements or tax documents, or using the Service to support identity theft or a scam
• Infringes intellectual property or privacy rights of others
• Harasses, threatens or exploits anyone, including through invitations or household notes
• Contains malware, phishing content or other malicious code
• Contains child sexual abuse material or any other unlawful content

3. Technical abuse

You may not:

• Attempt to gain unauthorized access to the Service, its systems, another household or another user's account, including by trying to defeat two-step sign-in, row-level security or encryption
• Probe, scan or test the vulnerability of any system without following "Security researchers" below
• Interfere with or disrupt the Service, including by overloading servers or circumventing rate limits or usage limits
• Use bots, scripts or scrapers to access the Service except through features we document (we do not currently offer a public API)
• Reverse engineer, decompile or disassemble any part of the Service, except as the law expressly allows
• Use the Service to attack, overload or misuse SnapTrade, SimpleFIN, an AI provider, a market data source or any other third party, or in breach of their terms
• Share account credentials, or create accounts by automated means

4. Commercial use

Money God is provided for personal, family use. Without our written permission, you may not:

• Resell, sublicense or provide the Service, or its output, to others as a commercial product
• Use it to run a paid advisory, planning, bookkeeping or tax-preparation practice for clients
• Use it to build or train a competing product, or to benchmark it for publication without permission

Managing the finances of your own small business alongside your family's, using the business-owner features, is fine. If you have another use in mind, contact hello@getmoneygod.com first.

5. Fair use

To keep the Service free and reliable, we apply limits — for example on sign-in attempts, sign-ups, sync frequency, document size and vault storage per household, and analyses. Limits are set well above normal family use and may change. AI usage on your own key is billed by your provider; where we provide a platform AI key, usage limits apply. If you regularly hit a limit through normal use, contact us.

6. Your content

You keep ownership of what you add to Money God. You agree that it does not violate anyone's rights or the law, and that you have the right to include any information about other people that you add. We do not review household data, but we may act on reports and remove content or accounts that violate this policy.

7. Security researchers

We welcome responsible security research. If you believe you have found a vulnerability:

• Use only your own accounts and households; do not access, modify or delete anyone else's data
• Do not degrade the Service (no denial-of-service or spam testing)
• Do not publicly disclose the issue before we have had a reasonable chance to fix it (we ask for 90 days)
• Do not demand payment as a condition of disclosure

Report findings to hello@getmoneygod.com with the subject "Security". We do not currently run a paid bug-bounty program, but we will acknowledge good-faith reports and will not pursue legal action against research that follows these rules.

8. Reporting abuse

If you believe someone is misusing Money God — for example, an invitation you didn't expect, or someone accessing your information without permission — email hello@getmoneygod.com with as much detail as you can (email addresses, dates, screenshots). We review all reports.

9. Enforcement

When we determine that this policy has been violated, we may:

• Warn the user
• Remove content or revoke invitations
• Suspend the account or household temporarily
• Terminate the account permanently
• Notify law enforcement where required by law or to protect people's safety or property
• Cooperate with subpoenas, court orders or other lawful requests

Decisions are at our discretion. We may act without prior notice when necessary to protect the Service, our users or third parties.

10. Contact

Questions about this policy: hello@getmoneygod.com