User Conduct & Responsibilities

1. Account & Identity Responsibilities

Users are solely responsible for maintaining the accuracy, security, and lawful use of their WealthGuard accounts. Key obligations include:

• Identity Verification: Provide accurate, current, and verifiable personal or business information during onboarding and when requested for regulatory compliance (KYC/AML).
• Information Updates: Promptly update contact details, tax information, employment status, or beneficial ownership changes within 14 days of occurrence.
• Single Account Policy: Maintain only one individual or entity account per user. Duplicate accounts may be flagged, merged, or suspended.
• Authorized Users: Grant account access only to explicitly authorized representatives. WealthGuard is not liable for transactions initiated by unauthorized parties using credentials you failed to protect.

2. Acceptable User Conduct

WealthGuard expects all interactions to be conducted with integrity, transparency, and respect. Acceptable conduct includes:

• Providing honest representations of financial status, investment experience, and risk tolerance
• Using automated tools, APIs, or integrations strictly within documented rate limits and intended purposes
• Engaging with customer support and advisory services in a professional and respectful manner
• Reporting suspicious activity, errors, or discrepancies immediately upon discovery
• Respecting intellectual property rights, including proprietary algorithms, financial models, and educational content

3. Security & Data Protection

Protecting your account and sensitive financial data is a shared responsibility. Users must:

1. Use strong, unique passwords and enable multi-factor authentication (MFA) where available
2. Never share login credentials, OTPs, or security codes with third parties, including claiming "WealthGuard support"
3. Secure all devices used to access WealthGuard with up-to-date operating systems and antivirus protection
4. Log out of shared or public devices immediately after use
5. Notify WealthGuard within 24 hours of suspected credential compromise, unauthorized access, or lost/stolen devices

4. Prohibited Activities

The following actions are strictly forbidden and may result in immediate account suspension, legal action, or reporting to financial authorities:

• Fraud & Misrepresentation: Submitting falsified identification, income documents, bank statements, or tax records
• Money Laundering & Structuring: Depositing or transferring funds in amounts specifically designed to avoid regulatory reporting thresholds
• Market Manipulation: Using WealthGuard platforms to engage in wash trading, spoofing, or coordinated market distortion
• Unauthorized Automation: Deploying bots, scrapers, or unauthorized trading algorithms that bypass security controls or violate API terms
• Impersonation & Identity Theft: Creating accounts using another person's identity or acting without proper fiduciary/executor authorization
• Data Exploitation: Harvesting, reselling, or misusing client data, financial insights, or proprietary research

5. Regulatory & Legal Compliance

WealthGuard operates under strict financial regulatory frameworks. Users are responsible for ensuring their activities comply with:

• Federal and state securities laws, including anti-fraud provisions
• Bank Secrecy Act (BSA) / Anti-Money Laundering (AML) requirements
• Ofac sanctions, export controls, and politically exposed person (PEP) disclosures
• Local tax reporting obligations (e.g., IRS Form 1099, FATCA, CRS)
• Consumer protection and fair lending regulations applicable to financial services

Failure to comply may result in account restriction, transaction holds, or mandatory reporting to regulatory bodies.

6. Enforcement & Consequences

WealthGuard enforces this policy consistently and transparently. Violations may trigger:

• Written Warning: For minor or first-time infractions with remediation guidance
• Account Limitations: Temporary suspension of trading, transfers, or API access pending investigation
• Permanent Termination: Closure of accounts, forfeiture of pending benefits, and restriction from future services
• Legal & Regulatory Reporting: Submission of Suspicious Activity Reports (SARs), cooperation with law enforcement, or civil/criminal referral

WealthGuard reserves the right to determine the severity of violations and appropriate enforcement actions at its sole discretion.

7. Updates to This Policy

Financial regulations and security standards evolve continuously. WealthGuard may update this policy to reflect:

• Changes in federal, state, or international financial regulations
• Advancements in cybersecurity threats or authentication standards
• Product updates, API changes, or service modifications
• Improved compliance frameworks or industry best practices

Material changes will be communicated via email, in-app notifications, and website postings. Continued use of WealthGuard services following updates constitutes acceptance of the revised terms.

8. Contact & Reporting

If you have questions about this policy, need to report a violation, or require assistance with compliance matters, please contact our Compliance & Trust & Safety team:

• Email: compliance@wealthguard.com
• Secure Portal: https://secure.wealthguard.com/compliance-portal
• Phone: 1-800-WEALTH-G (932-5484) | Mon-Fri, 8AM-6PM EST
• Mailing Address: WealthGuard Compliance Department, 100 Financial Plaza, Suite 400, Boston, MA 02110