Community Guidelines

These Guidelines govern the community server run by 403 Finance, Inc. ("403 Finance," "we," "us," or "our") on Discord. They apply to everyone who joins it, in every channel and in direct messages sent to us through it. How we handle personal data in connection with the community is described in Section 5 of our Organizational Privacy Policy.

1. What the Community Is

The community server is a place to talk about personal finance, about the things we build, and with each other. Ask questions, share what has worked for you, tell us what you wish the product did, and help other people out.

Joining is entirely your choice. You have to go and join yourself; we have no way to add anyone. You never need the community to use Forbidden Finance or Transmute, and nothing about your account changes if you never join, or if you leave.

2. What the Community Is Not

(a) It is not a channel of record. We do not conduct official business here. Nothing posted by us or to us in the community is a formal notice, a support ticket, a contractual communication, or a decision about your account, and nothing here changes our Terms of Service or the privacy policy that governs your use of a product. If something needs to be on the record, use email.

(b) It is not financial advice. Nothing said in the community by us, by our moderators, or by any other member is financial, investment, tax, or legal advice, and none of it is a personal recommendation. We do not know your circumstances. Anything you read here is general discussion between people talking about money — treat it that way, and speak to a qualified professional before acting on it.

(c) It is not a place to promote investments. Do not use the community to promote, solicit, or induce anyone to buy, sell, or invest in any security, fund, cryptoasset, token, or other investment or financial product, whether your own or someone else's. That includes referral links, affiliate codes, "opportunities," signal groups, and pitching your project in direct messages to our members. This rule applies to us as well as to you.

3. Do Not Post Personal or Financial Details

(a) The rule. Do not post your account details, balances, transactions, bank connections, statements, card numbers, passwords, one-time codes, or screenshots and exports containing any of them — not in a channel, and not in a direct message, whether to us or to anyone else. The same goes for anyone else's details.

(b) We will never ask for them here. Nobody from 403 Finance will ever ask you, in the community server, for your password, a one-time code, your bank credentials, or your financial details. If someone claims to be us and asks, they are not us — report it and we will act on it.

(c) What we can and cannot undo. If something sensitive gets posted anyway, tell us and we will remove it from our server. Please understand the limit of that: deleting a message removes it from our server, but we cannot unsend it from Discord's systems, from anyone who already read it, or from any copy or screenshot they made. That is why this is a rule and not a suggestion.

4. Where to Take Bugs and Account Problems

Simple questions are welcome here. Ask them, and other members may well answer — helping each other out, in as much depth as you like, is the point of the place.

What we won't do here is answer questions about your account. If your question needs us to look at your data, your connections, your billing, or anything else specific to you, we will not work it out in a channel — we will ask you to open a support ticket instead. That isn't a brush-off: it is how your question reaches us on a private, tracked route where the protections in your product's privacy policy apply, and it is faster.

The routes are:

• Found a bug, or want to request a feature? Use the in-app feedback portal. It is the place we actually track this, so a report there gets acted on and a report in chat may not.
• Something wrong with your account, your data, your bank connection, or your subscription? Use in-app live chat, or email support@403fin.io. Do not post the details in the community.
• Security issue? Email security@403fin.io. Please do not disclose it publicly first.
• Privacy request or question? Email privacy@403fin.io.

If a conversation in the community starts needing your account details, we will ask you to move it to one of the routes above. We are keeping your financial data out of a chat application, and away from anyone reading over your shoulder.

5. How to Behave

Be decent to each other. People come to a personal-finance community at all sorts of points in their lives, often an anxious one, and often knowing less than the person next to them. Assume good faith, and remember there is a person on the other end.

Specifically, do not:

• Harass, bully, threaten, stalk, or intimidate anyone, or encourage anyone else to.
• Post hate speech, or attack people on the basis of race, ethnicity, national origin, religion, sex, gender identity, sexual orientation, disability, age, or any other protected characteristic.
• Post sexual content, content involving minors, or content that glorifies or encourages violence, self-harm, or suicide.
• Share anyone's private information without their consent, including doxxing.
• Spam, mass-DM members, advertise unrelated products or services, or run giveaways, referral schemes, or affiliate promotions.
• Scam, phish, impersonate 403 Finance or its staff, impersonate another member, or distribute malware or malicious links.
• Post content that is unlawful, that infringes someone else's rights, or that promotes or facilitates illegal activity, terrorism, or the evasion of sanctions.
• Try to break, overload, or circumvent the moderation and permission systems of the server.

Discord's own Terms of Service and Community Guidelines apply as well as these, including Discord's minimum age requirement. Where Discord's rules are stricter, Discord's rules govern — and Discord can act on your account whatever we do.

6. How We Moderate

(a) The ladder. Where it is practicable, we escalate rather than jumping to the end: an informal word or a message removal, then a formal warning, then a timeout, then a removal from the server, and finally a ban. We are not required to work through every step in every case.

(b) When we skip straight to the end. We will remove or ban immediately, without a warning, where we reasonably believe it is necessary to protect members or the community — in particular for scams, phishing, malware, impersonation, doxxing, sexual content involving minors, credible threats, or content that is plainly unlawful.

(c) Content we remove. We may delete any message that breaks these Guidelines, and we may remove messages containing personal or financial details even where they were posted innocently and by their own author.

(d) The standard we apply. Our decisions are made on the basis of our reasonable belief and are proportionate to what happened. We take the smallest action that addresses the problem.

(e) Automated tooling. Some of this is automated. A security tool checks links posted in the server against known malicious, scam and adult-content lists, watches for spam behaviour such as flooding and mass mentions, and asks each new member to complete a captcha on joining. It can time a member out on its own. It does not screen your messages for words or topics. If you think an automated action was wrong, appeal it under Section 8 — a human reads every appeal. How this works with your personal data is described in Section 5 of our Organizational Privacy Policy.

7. Records We Keep

When we take a moderation action, we record what we did, to whom, when, and why. We do this so that decisions are consistent, so that repeat problems are visible, and so that an appeal can be reviewed against something other than memory.

We keep routine moderation records for 12 months. We keep records of bans indefinitely, because the record is what allows a ban to be enforced. Discord keeps its own audit log of actions taken on the server; that is Discord's record, kept for as long as Discord keeps it under its own policy, not ours.

The legal basis for keeping these records, and the rest of what we do with community data, is set out in Section 5 of the Organizational Privacy Policy.

8. Appeals

If you think a moderation decision was wrong, you can appeal it. Email support@403fin.io with the subject line "Community appeal," tell us your Discord username and roughly when it happened, and say why you think the decision was wrong. You do not need access to the server to appeal, and you will not be penalised for appealing.

We will look at the record of the decision, reply to you, and tell you the outcome and the reason for it. If we got it wrong, we will reverse it.

9. Complaints

If you are unhappy with something else — how the community is run, how we handled a report you made, or how we have handled your personal data in connection with it — you can complain to us directly:

• About the community or moderation: support@403fin.io
• About your personal data: privacy@403fin.io

We will acknowledge your complaint and respond to it. This route is in addition to, and does not replace, your right to complain to a data protection supervisory authority, or to contact our EU and UK representatives, whose details are in Section 4 of the Organizational Privacy Policy. You can also report content and behaviour to Discord directly through Discord's own reporting tools, whether or not you tell us.

10. Who Runs the Community

The community server is operated by 403 Finance, Inc., 1111B S Governors Ave, Ste 92573, Dover, DE 19904, USA. The person responsible for it, and for moderation decisions and complaints under these Guidelines, is our founder, Aaron Sullivan, reachable at support@403fin.io. We are a very small company; if a reply takes a little time, that is why.

11. Changes

We may update these Guidelines. Each version carries a version number, an effective date, and a row in the change history below, and the current version is always the one published at https://403fin.io/legal/community-guidelines/. Where a change materially affects what is expected of you, we will post a notice in the community server before it takes effect.

Change History

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