Age & Child Safety Policy

Student Money Mentors is intended exclusively for adults.

You must be at least 18 years old to:

• Create an account.
• Maintain an account.
• Access the platform.
• Use financial education features.
• Use mentoring features.
• Submit financial questions.
• Use AI-powered features.
• Upload documents, screenshots, or other materials.
• Participate in any community or communication features.
• Receive or provide mentoring through the platform.
• Use any other Student Money Mentors feature.

The 18+ requirement applies to the entire service.

A person under 18 may not use Student Money Mentors simply because they:

• Only want educational information.
• Do not intend to communicate with another user.
• Only want to use an AI feature.
• Only want to read publicly available information.
• Have parental or guardian permission.
• Are using another person’s device.
• Are using another person’s account.

Individuals under 18 are not permitted to create or maintain Student Money Mentors accounts.

If Student Money Mentors learns that an account belongs to someone under 18, we may:

• Restrict the account.
• Suspend the account.
• Terminate the account.
• Remove associated content where appropriate.
• Delete associated personal information where required by applicable law.
• Take additional measures reasonably necessary to protect the minor.

We may take these actions without prior notice when reasonably necessary for safety, privacy, security, or legal compliance.

When creating an account, users must accurately represent that they are at least 18 years old.

Users must not:

• Misrepresent their age.
• Create an account for a minor.
• Allow a minor to use their account.
• Use another person’s account to bypass the age requirement.
• Circumvent an age restriction.
• Assist a minor in accessing Student Money Mentors.

If we have reason to believe an account does not satisfy the minimum-age requirement, we may take appropriate action.

Student Money Mentors may use reasonable age-assurance or account-safety measures to enforce its 18+ requirement.

The specific methods used may change as the platform develops.

Student Money Mentors does not guarantee that every user’s age can be independently verified.

If age-verification information is collected, it will be handled according to applicable law and the Student Money Mentors Privacy Policy and applicable retention practices.

If you believe someone using Student Money Mentors is under 18, report the account through the available reporting mechanism.

Useful information may include:

• Username.
• Profile or account information.
• Relevant statements made by the user.
• The reason you believe the person is under 18.

Do not:

• Investigate the person yourself.
• Attempt to obtain additional personal information.
• Contact or confront the suspected minor.
• Publicly identify the suspected minor.
• Encourage others to investigate the person.
• Publish screenshots or personal information about the suspected minor.

A good-faith report is appropriate even if Student Money Mentors ultimately determines that the user is 18 or older.

Because Student Money Mentors is an adults-only financial service, users must not use the platform to solicit, collect, expose, or exploit a minor’s sensitive financial information.

This includes unnecessary requests for:

• Bank account information.
• Debit or credit card information.
• Account numbers.
• Authentication credentials.
• Tax information.
• Government identification.
• Student financial records.
• Household financial information.
• Precise location information.
• Other sensitive financial or identifying information.

Users should not attempt to obtain a minor’s financial information for personal, commercial, or exploitative purposes.

Users must not use Student Money Mentors to exploit or manipulate a minor financially.

Prohibited conduct includes:

• Soliciting money from a minor.
• Pressuring a minor to transfer money.
• Requesting account credentials or authentication codes.
• Encouraging a minor to disclose financial information.
• Manipulating a minor into purchasing a product or service.
• Recruiting a minor into a fraudulent financial scheme.
• Using financial advice as a means of exploiting a minor.
• Encouraging a minor to circumvent a parent, guardian, financial institution, or other appropriate authority for an exploitative purpose.

Student Money Mentors may provide financial education and mentoring, but users should not use the platform to exploit someone who appears financially vulnerable.

Prohibited conduct includes using:

• Fear.
• Urgency.
• Shame.
• Religious or moral pressure.
• False authority.
• Emotional manipulation.
• Promises of guaranteed financial success.

to pressure another person into a financial transaction or decision.

This applies regardless of whether the conduct involves a minor or an adult.

Student Money Mentors strictly prohibits sexual exploitation or sexualization of minors.

Users may not use Student Money Mentors to:

• Solicit sexual content from a minor.
• Request sexual images from a minor.
• Offer sexual material to a minor.
• Groom a minor for sexual purposes.
• Arrange sexual meetings with a minor.
• Facilitate sexual exploitation of a minor.
• Move sexual interactions involving a minor to another platform.
• Use financial assistance, employment, mentoring, or economic opportunities to facilitate sexual exploitation of a minor.

Because Student Money Mentors is an 18+ service, suspected adult-to-minor exploitation may result in immediate account restriction or termination.

Student Money Mentors prohibits grooming or other behavior intended to exploit minors.

This includes attempts to:

• Establish inappropriate trust with a minor.
• Encourage secrecy.
• Isolate a minor from trusted adults.
• Request private or intimate information.
• Offer money or financial opportunities in exchange for inappropriate conduct.
• Move interactions to private channels or other platforms to avoid safeguards.
• Arrange inappropriate offline meetings.
• Manipulate a minor through financial dependence.

Student Money Mentors may provide AI-powered features that process user-submitted:

• Text.
• Images.
• Documents.
• Screenshots.
• Financial information.
• Other content.

Users must not intentionally use Student Money Mentors AI features to:

• Identify a minor for exploitation.
• Locate a minor.
• Profile a minor for exploitation.
• Generate sexual content involving a minor.
• Facilitate financial exploitation of a minor.
• Generate deceptive material designed to manipulate a minor.
• Obtain or infer unnecessary sensitive information about a minor.
• Circumvent child-safety protections.

AI-generated content is subject to the same applicable safety restrictions as other content.

Users should avoid uploading unnecessary information concerning minors into Student Money Mentors features.

This may include:

• Student financial records.
• School records.
• Bank statements belonging to a minor.
• Tax documents.
• Government identification.
• Payment-card information.
• Account credentials.
• Private correspondence.
• Home addresses.
• Phone numbers.
• Precise locations.

Where a legitimate feature requires information from a document, users should redact information that is unnecessary for the requested purpose.

Users may not use Student Money Mentors to identify, locate, expose, or target a minor.

Prohibited activities include:

• Identifying a minor from an image.
• Finding a minor’s school or home.
• Publishing a minor’s phone number.
• Publishing private social-media accounts for targeting.
• Crowdsourcing personal information about a minor.
• Encouraging others to contact or track a minor.

This restriction applies even if the information may be publicly available elsewhere.

Student Money Mentors strictly prohibits child sexual abuse material (CSAM).

Users must never upload or distribute CSAM through:

• Posts.
• Messages.
• Mentoring features.
• AI features.
• Document or image uploads.
• Profiles.
• Comments.
• Any other portion of the service.

Do not upload suspected CSAM merely to report it.

If you encounter suspected CSAM, use the appropriate reporting mechanism and provide only the information reasonably necessary to identify the relevant account or content.

Do not redistribute the material.

Student Money Mentors may preserve or report suspected child sexual exploitation to appropriate authorities or designated organizations when required or appropriate under applicable law.

Report suspected:

• Underage accounts.
• Sexual exploitation of minors.
• Grooming.
• Sexual solicitation.
• CSAM.
• Financial exploitation of a minor.
• Attempts to obtain sensitive information from a minor.
• Threats against a minor.
• Attempts to locate or identify a minor.
• Other serious exploitation involving a minor.

Provide enough information for Student Money Mentors to identify the relevant account or content.

Do not:

• Confront the suspected offender.
• Threaten the suspected offender.
• Organize harassment.
• Repost prohibited material.
• Attempt to conduct your own investigation.
• Publish identifying information about a minor.

Student Money Mentors is not an emergency response service.

If someone appears to face an immediate risk of serious physical harm, users should contact appropriate emergency services or another qualified emergency resource in their location.

Do not wait for Student Money Mentors to respond to a report when immediate intervention is necessary.

Student Money Mentors may take action when it reasonably believes an account or content violates this Policy.

Possible actions include:

• Removing content.
• Restricting content.
• Restricting communication or mentoring features.
• Restricting AI features.
• Suspending an account.
• Permanently terminating an account.
• Blocking associated accounts where appropriate.
• Preserving relevant information.
• Taking additional protective measures.
• Reporting conduct to appropriate authorities or organizations where required or appropriate.

Student Money Mentors may take immediate action when necessary to protect a minor or other user.

Student Money Mentors may respond to valid legal requests from:

• Law enforcement.
• Courts.
• Regulators.
• Other legally authorized entities.

Where legally required or permitted, Student Money Mentors may preserve or disclose information relevant to investigations involving:

• Child exploitation.
• Sexual abuse.
• Grooming.
• Financial exploitation.
• Fraud.
• Serious threats.
• Other serious criminal conduct.

Any disclosure will be handled according to applicable law and the Student Money Mentors Privacy Policy.

Users must not knowingly submit false or fraudulent child-safety reports to:

• Harass another user.
• Retaliate against another user.
• Manipulate moderation.
• Remove an account they dislike.
• Disrupt legitimate financial mentoring.

Good-faith reports are permitted even when the reported conduct ultimately does not violate this Policy.

If Student Money Mentors becomes aware that information concerning a minor has been improperly exposed, it may take reasonable steps to limit its exposure.

Depending on the circumstances, this may include:

• Removing content.
• Restricting access.
• Removing identifying information.
• Suspending an account.
• Preserving relevant information.
• Taking additional protective measures.

Student Money Mentors cannot guarantee that information users have already copied, downloaded, or redistributed can be removed from every location.

Student Money Mentors uses reasonable measures to enforce its age and child-safety requirements.

However, no:

• Age declaration.
• Age-assurance system.
• Automated moderation system.
• AI system.
• Human review process.
• Reporting system

can identify every violation.

Student Money Mentors does not guarantee that every underage user, exploitation attempt, or prohibited interaction will be detected.

Users should report genuine concerns rather than relying solely on automated systems.

This Policy should be read together with:

• Student Money Mentors Terms of Service.
• Student Money Mentors Privacy Policy.
• Student Money Mentors Community Guidelines.
• Student Money Mentors Safety & Reporting Policy.
• Student Money Mentors AI Privacy Notice.
• Student Money Mentors Copyright / DMCA Policy.
• Student Money Mentors Data Retention and Deletion Policy.

Feature-specific policies may establish additional restrictions or protections.

If another policy provides stronger protections for minors, those protections also apply.

Student Money Mentors may update this Policy as:

• Features change.
• New safety risks emerge.
• Applicable laws change.
• Age-assurance practices develop.
• Moderation systems evolve.
• Privacy practices change.

Material changes may be communicated through appropriate means.

The current version will be made available through Student Money Mentors.