Acceptable Use Policy

Consumer Dividends

Effective date: June 14, 2026

This policy describes what you may and may not do with our products. It applies to consumerdividends.com and every product operated by Consumer Dividends, including Numidian and Holdings. By using our products you agree to this policy.

Violations may result in immediate suspension or termination of your access without refund and, where appropriate, referral to law enforcement.

1. General rules

Use our products only for lawful business purposes. Do not use them to:

• Break any law, regulation, or third-party right.
• Generate content that is defamatory, harassing, threatening, or designed to intimidate.
• Discriminate against any person on the basis of race, color, national origin, religion, sex (including pregnancy, sexual orientation, and gender identity), age, disability, familial status, military or veteran status, genetic information, or any other characteristic protected by federal, state, or local law.
• Infringe anyone's copyright, trademark, trade secret, or other intellectual property right.
• Impersonate another person or entity.

2. Product-specific rules

Numidian

• Do not enter information about individual employees that you are not authorized to process under your role and applicable law.
• Do not represent Numidian outputs as legal advice. They are a structured risk inventory, not advice from a licensed attorney.
• Do not use Numidian to make, recommend, or materially influence employment decisions about specific individuals. Numidian assesses organizational and litigation exposure for advisors and managers. Decisions about employees remain with the employer.
• Do not enter sensitive personal information beyond what is necessary for the risk assessment. Avoid Social Security numbers, full dates of birth, financial account numbers, or health diagnoses unless they are essential to the assessment.

Holdings

• Do not resell, redistribute, or republish a Holdings tool. Each purchase licenses one user.
• Do not represent Holdings outputs as investment, tax, or financial advice. They are deterministic calculations on the figures you enter.
• Do not remove or alter the licence and disclaimer notices in the file.

3. Technical rules

Do not:

• Attempt to gain unauthorized access to our systems, accounts, or infrastructure.
• Probe, scan, or test the vulnerability of any system without our written permission.
• Interfere with or disrupt service through denial-of-service attacks, automated scraping, or excessive request rates.
• Reverse engineer, decompile, or attempt to extract source code from our products.
• Use automated tools to access or extract data beyond what is exposed through documented interfaces.
• Resell, sublicense, or redistribute our products or outputs except as your tier expressly allows (Agency tier on Numidian permits multi-client use within a single firm).

4. Content rules

Do not submit content that:

• Contains malware, viruses, or harmful code.
• Includes another person's personal information without a lawful basis to share it with us.
• Includes classified, export-controlled, or trade-secret information you are not authorized to disclose.
• Promotes violence, terrorism, child exploitation, or other illegal activity.

5. Reporting violations

If you become aware of a violation of this policy, email support@consumerdividends.com with details. We investigate every report we receive in good faith.

6. Enforcement

We may, at our discretion and without prior notice, suspend or terminate access to any user we reasonably believe is violating this policy. For material violations affecting safety, security, or the integrity of our systems, suspension is immediate.

We may report violations to law enforcement, affected third parties, or relevant regulators when required by law or warranted by the conduct.

7. Contact

support@consumerdividends.com

Consumer Dividends, Hawaii, United States.