Acceptable Use Policy

Overview

This Acceptable Use Policy ("AUP") outlines the rules for using Steady's services. By using Steady, you agree to follow these guidelines. We reserve the right to suspend or terminate accounts that violate this policy.

Permitted Use

Steady is designed for personal financial management. You may use Steady to:

• Track your personal income, expenses, and financial goals
• Connect your own bank accounts via Akahu
• Use AI-powered financial insights for your own finances
• Participate in social features (friends, challenges) with other users
• Share financial achievements and milestones

Prohibited Use

You must not use Steady to:

• Access or attempt to access another user's account or data
• Submit false, misleading, or fraudulent information
• Use the AI chat feature to generate harmful, abusive, or illegal content
• Harass, bully, or send offensive content to other users via social features
• Attempt to reverse-engineer, scrape, or extract data from Steady's systems
• Use automated tools, bots, or scripts to interact with the service
• Circumvent rate limits, security measures, or access controls
• Use Steady for commercial purposes, financial advising, or on behalf of others without consent
• Upload or share malicious files, links, or code
• Violate any applicable law, including the New Zealand Privacy Act 2020

AI Chat Guidelines

The coach on the Ask screen is an AI, not a person. It gives general information based on your data. When using it:

• Do not treat AI responses as professional financial advice
• Do not attempt to manipulate the AI into providing harmful or misleading information
• Do not use the AI to process data belonging to other people
• Understand that AI responses may contain inaccuracies — always verify important financial decisions

Social Features

When using friends and sharing features:

• Only share content that is appropriate and respectful
• Do not use social features to spam or harass other users
• Respect other users' privacy — do not screenshot or share their financial data
• Report any abusive behaviour — see “Reporting content” below

Reporting content

If someone posts something on Steady that harms you — abusive, threatening, or content that is yours and should not be there — open the comments on that post and tap Report at the bottom. Pick the closest reason and add anything else we should know. Whoever posted it is never told who reported them.

If the thing you want to report is not a post — a profile, a name, anything else — email [email protected] with a link to it, your contact details, and what is wrong with it. Those three things are what we need to act.

We handle complaints under the process set out in the Harmful Digital Communications Act 2015. In short: we contact whoever posted the content within 48 hours, give them a short window to respond, and take the content down if they agree to removal or do not reply in time. We email you what happened either way.

You can also go directly to Netsafe, the approved agency under that Act, at any point. You do not need to come to us first.

Separately, you can block another user at any time from their profile. Blocking is immediate and does not need us.

Enforcement

Violations of this policy may result in:

• A warning or temporary restriction of features
• Suspension or termination of your account
• Reporting to relevant authorities if required by law

We aim to handle violations fairly and proportionally. If you believe your account was restricted in error, email [email protected] and we will look at it again.

Contact

Questions about this policy? Email us at [email protected]