Acceptable Use inside the HuntingtonMod workspace

1 — Purpose and scope

This Acceptable Use Policy ("AUP") is part of the Terms of Service and applies to every Subscriber of the HuntingtonMod workspace. Its purpose is to keep the platform (a) legal, (b) safe for the Subscriber, (c) safe for third parties whose names may appear in Workspace content, (d) consistent with the non-US, non-banking nature of the offering, and (e) sustainable at the very small scale at which we operate. HuntingtonMod is not affiliated with, endorsed by or connected to Huntington Bancshares Incorporated, Huntington National Bank, or Huntington Investment Company.

2 — Who may open a Workspace

A Workspace may only be opened by (i) a natural person, (ii) aged at least sixteen (16) years, (iii) resident outside the United States and its territories and possessions, (iv) capable of paying by SEPA credit transfer in euros. Legal entities may open a Workspace only after signing our small-business addendum by e-mail; the addendum names an individual employee as the "Workspace Guardian" responsible for compliance with this AUP.

3 — Sign-up warranties

By opening a Workspace, the Subscriber warrants, on the day of sign-up and on every subsequent invoice cycle, that they remain resident outside the United States, that the SEPA payer name matches their identity, that the e-mail address on file is under their exclusive control, and that they have read and accepted the Disclaimer, the Terms of Service and this AUP.

4 — Prohibited categories of use

The following categories of use are strictly prohibited, without exception and without any grace period:

• US-person use. Any sign-up, use, invoice or payment originating in the United States, its territories or possessions.
• Bank impersonation. Any use of the Workspace to present the Subscriber as a bank, brokerage, investment firm, lender, payment institution, insurance intermediary or e-money issuer, whether the impersonated entity is Huntington-branded or not.
• Money movement. Any attempt to use the Workspace to hold, transmit, exchange, invest, lend, borrow, deposit, withdraw or otherwise move money — including cryptocurrency of any kind.
• Deceptive financial advice to third parties. Any use of the Workspace to publish or transmit personalised investment, tax, insurance or banking advice to third parties, whether or not for a fee.
• Illegal content. Any content that infringes intellectual-property rights, constitutes hate speech, harassment or credible threats, contains child-sexual-abuse material of any kind, or otherwise breaks the law of the Subscriber's country of residence or of the Federal Republic of Germany.
• Malware. Any upload of a receipt image, PDF or file that contains a virus, trojan, macro payload, cross-site scripting payload or other malicious code.
• Circumvention of geo-restriction. Any use of a VPN, proxy, remote desktop or false country-of-residence declaration to bypass the US geo-restriction.
• Sanctions breaches. Any use in breach of European Union, German or United Nations sanctions.
• Automated scraping. Any large-scale automated read of pages beyond the Subscriber's own Workspace.
• Resale. Any commercial resale, sub-licensing or white-labelling of the Apps without a written addendum.
• High-risk operational use. Any use of the Apps as the sole record for operational decisions in medical, aviation, nuclear or emergency-services contexts. The Apps are personal-utility software; they are not certified for high-risk use.

5 — Content standards for the Personal Journal, Gratitude Notebook and Weekly Review

The three narrative Apps allow long-form free text. The Subscriber undertakes not to name identifiable third parties in a defamatory or degrading manner, not to disclose data that a third party has confided to them in a professional secret context (medical, legal, priestly), and not to publish content contradicting the general standards of the site.

6 — Content standards for the Daily Expense Tracker, Budget Planner and Subscription Tracker

The three financial-notebook Apps are strictly personal — they record what you spent, what you budgeted, what you subscribe to. They must not be used to record third-party financial data, employer accounts, client trust accounts, association treasuries or any collective financial structure. For collective structures we recommend an actual accounting product; we are happy to suggest EU-based options by e-mail.

7 — Content standards for the Receipt Scanner

The Receipt Scanner accepts personal receipts photographed by the Subscriber. It must not be used to upload receipts belonging to third parties, receipts obtained by fraud, or receipts intended for use in a false expense claim. Uploaded receipts must not contain another person's payment card details in clear (mask the last digits before uploading if visible).

8 — Detection of prohibited use

HuntingtonMod deploys narrow, privacy-preserving heuristics to detect prohibited use: (a) an IP-country check at Magic-Link redemption blocks logins from US IP ranges (three consecutive US logins lock the Workspace and require an e-mail verification); (b) a scanner rejects known-malware SHA-256 hashes at receipt upload; (c) accounting reconciliations flag SEPA payer names that do not match the registered identity. Human moderators do not read Workspace content and heuristics are not applied to text.

9 — Suspension procedure

If we believe on reasonable grounds that a Subscriber is breaching this AUP, we will (i) e-mail them a "notice to cure" describing the alleged breach in ordinary language, (ii) suspend new writes to the Workspace for fourteen (14) days while the Subscriber replies, (iii) reactivate the Workspace on receipt of a satisfactory explanation, or (iv) terminate the Subscription for cause if the explanation is not satisfactory. In the case of category-5 breaches involving child-sexual-abuse material, the suspension is immediate and irreversible, and the incident is reported to the German Federal Criminal Police Office (BKA).

10 — Workspace forfeiture

Termination for cause under section 9 above forfeits the sixty-day workspace grace period. Content is exported for evidentiary purposes and then deleted from the Workspace bucket. No refund is due for the current month.

11 — Appeal

A Subscriber whose Workspace has been suspended or terminated for cause may appeal by writing to support@huntingtonmod.org within thirty (30) days, with the subject "AUP appeal" and the invoice reference number. The appeal is reviewed by the managing director Andrea Weiss, who responds within five (5) working days.

12 — Rate limits and quotas

Fair-use limits apply to prevent abuse. Per Workspace per month: up to 10,000 journal entries, up to 100,000 expense rows, up to 1,000 receipt uploads (max 8 MB each), up to 200 SMTP notifications, up to 24 A5 print jobs per day. If you approach these limits, please write to us — we generally raise them if the use case is legitimate.

13 — Reporting abuse

To report a Workspace you believe is breaching this AUP — for example, one published on a third-party site in a manner that impersonates a bank — please write to support@huntingtonmod.org with the subject "AUP report" and as much detail as you can provide. Reports are logged confidentially and reviewed within one (1) working day.

14 — Non-affiliation reminder

HuntingtonMod is not affiliated with, endorsed by or connected to Huntington Bancshares Incorporated, Huntington National Bank, or Huntington Investment Company. Any Subscriber attempting to represent the Workspace as banking software of any Huntington-branded institution breaches this AUP under sections 4 (bank impersonation) and 5 (defamatory naming of third parties) simultaneously, and the Workspace is terminated with immediate effect.

15 — Changes to this AUP

Changes are announced by e-mail with at least fifteen (15) days' notice. The Subscriber may terminate their Subscription if they disagree with a change, with a pro-rata refund of the current month.

16 — Governing law

This AUP is governed by German law. Place of jurisdiction for merchants is Munich; consumer rights of habitual residence remain unaffected.