Acceptable Use

Last updated March 31, 2025

This Acceptable Use Policy ("Policy") ispart of our Terms and Conditions ("Legal Terms") and shouldtherefore be read alongside our main Legal Terms: http://www.101.plus/terms-conditions.When you use the AI-powered services provided by EverySpend, Inc ("AIProducts"), you warrant that you will comply with this document, ourLegal Terms and all applicable laws and regulations governing AI. Your usage ofour AI Products signifies your agreement to engage with our platform in alawful, ethical, and responsible manner that respects the rights and dignity ofall individuals. If you do not agree with these Legal Terms, please refrainfrom using our Services. Your continued use of our Services implies acceptanceof these Legal Terms.

Please carefully review this Policy which applies to any andall:

(a) uses of our Services (as defined in "LegalTerms")

(b) forms, materials, consent tools, comments, post, and allother content available on the Services ("Content")

(d) responsible implementation and management of AI Productswithin our Services

WHO WE ARE

We are EverySpend, Inc, doing business as 101+ ("Company,""we," "us," or "our") acompany registered in Arkansas, United States at 417 Main St, Little Rock, AR72201. We operate the website https://www.101.plus(the "Site"), the mobile application 101+ (the "App"),as well as any other related products and services that refer or link to thisPolicy (collectively, the "Services").

USE OF THESERVICES

When you use the Services, you warrant that you will complywith this Policy and with all applicable laws.

You also acknowledge that you may not:

Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
Engage in unauthorized framing of or linking to the Services.
Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
Make improper use of our Services, including our support services or submit false reports of abuse or misconduct.
Engage in any automated use of the Services, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
Interfere with, disrupt, or create an undue burden on the Services or the networks or the Services connected.
Attempt to impersonate another user or person or use the username of another user.
Use any information obtained from the Services in order to harass, abuse, or harm another person.
Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.
Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services, except as expressly permitted by applicable law.
Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
Delete the copyright or other proprietary rights notice from any Content.
Copy or adapt the Services’ software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms").
Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or using or launching any unauthorized script or other software.
Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
Use the Services in a manner inconsistent with any applicable laws or regulations.
Use a buying agent or purchasing agent to make purchases on the Services.
Sell or otherwise transfer your profile.

Subscriptions

If you subscribe to our Services, you understand,acknowledge, and agree that you may not, except if expressly permitted:

Engage in any use, including modification, copying, redistribution, publication, display, performance, or retransmission, of any portions of any Services, other than as expressly permitted by this Policy, without the prior written consent of EverySpend, Inc, which consent EverySpend, Inc may grant or refuse in its sole and absolute discretion.
Reconstruct or attempt to discover any source code or algorithms of the Services, or any portion thereof, by any means whatsoever.
Provide, or otherwise make available, the Services to any third party.
Intercept any data not intended for you.
Damage, reveal, or alter any user's data, or any other hardware, software, or information relating to another person or entity.

AI Products

When you use the AI Products provided by EverySpend, Inc,you warrant that you will not:

Deploy AI techniques that utilize subliminal, manipulative, or deceptive methods designed to distort behavior and impair informed decision-making, particularly when such actions cause significant harm to individuals.
Exploit vulnerabilities related to age, disability, or socio-economic circumstances through AI in a way that distorts behavior or decision-making, especially if this results in significant harm to the individual.
Use AI systems for biometric categorization that infer sensitive attributes such as race, political opinions, trade union membership, religious or philosophical beliefs, sex life, or sexual orientation, except in limited cases, such as labeling or filtering lawfully acquired datasets, or specific law enforcement activities.
Implement AI-based social scoring systems that evaluate or classify individuals or groups based on their social behavior or personal traits in a manner that causes harm, discrimination, or unfair treatment.
Assess the risk of an individual committing criminal offenses based solely on profiling, personality traits, or other non-behavioral factors, except in narrowly defined circumstances where legal safeguards are in place.
Not compile facial recognition databases through untargeted scraping of facial images from the internet, social media, or CCTV footage, unless it is part of a legally compliant and narrowly defined purpose.
Use AI to infer emotions in sensitive environments such as workplaces, educational institutions, or any other context where such analysis could lead to discrimination, unfair treatment, or privacy violations.
Engage in real-time remote biometric identification in public places for law enforcement purposes, except in specific situations where there are strong legal justifications and oversight mechanisms.

ARTIFICIALINTELLIGENCE

We recognize the significant impact AI can have on our usersand society, and we are dedicated to ensuring that our AI Products are designedand operated in a manner that aligns with comprehensive ethical standards. Weaim to use AI to enhance user experiences while upholding fairness,transparency, and accountability principles.

This Policy applies to all AI-powered features, services,and systems in our Services. It governs the development, deployment, and use ofAI technologies to protect users' rights and maintain transparency in all AIoperations. This Policy applies to all stakeholders, including employees,third-party vendors, and partners who contribute to or interact with our AIProducts.

Enforcement

Any misuse of our AI Products or failure to adhere to thestandards outlined in this Policy will result in appropriate actions to ensurethe integrity of our platform and the protection of our users. The specificconsequences for misuse of AI may vary depending on the nature and severity ofthe violation and the user's history with our Services.

Violations may include, but are not limited to:

Engaging the AI Products in ways that violate user privacy, manipulate data, disregard ethical guidelines, or are against AI Service Providers’ terms of use.
Deploying AI in a manner that introduces or causes bias, leading to unfair treatment of users or groups.
Improper handling, storage, or use of data by AI Products, leading to breaches of user trust and legal compliance.
Using AI in a way that compromises the privacy and security of our systems, data, or users.

Depending on the violation, EverySpend, Inc may take one ormore of the following actions:

Warnings: The responsible party may receive a formal warning and be required to cease violating practices.
Temporary Suspension: In cases of repeated or more severe violations, the responsible individual's access to AI Products or certain features of our platform may be temporarily suspended while the issue is investigated.
Termination of Access: Serious violations, particularly those that result in harm to users or breach privacy or other regulations, may lead to the permanent termination of access to our AI Products and Services.
Legal Action: In cases where the misuse of AI leads to significant harm, data breaches, or legal violations, we may pursue legal action against the party responsible. This could include reporting the incident to law enforcement or regulatory bodies.
Public Disclosure: For incidents that impact public trust or involve severe ethical breaches, we reserve the right to publicly disclose the violation and the actions taken in response to maintain transparency and accountability.

Commitmentto Responsible AI

In addition to the consequences outlined above, we aredeeply committed to repairing any harm caused by the misuse of AI. Thiscommitment is a testament to our dedication to our users and our responsibilityas a company. We will correct biased outcomes and implement additionalsafeguards to prevent future violations.

At EverySpend, Inc, we are committed to the ongoingrefinement and enhancement of our Policy. As technology evolves and regulatoryenvironments shift, we recognize the importance of keeping our policies up todate to ensure that they remain relevant, effective, and aligned with bestpractices in AI ethics. We will regularly review and update our Policy toreflect technological advancements and legal changes in local, national, andinternational regulations related to AI. Our Policy will be updated as neededto comply with new laws and guidelines, ensuring that our practices remainlegally sound and socially responsible.

CONSEQUENCESOF BREACHING THIS POLICY

The consequences for violating our Policy will varydepending on the severity of the breach and the user's history on the Services,by way of example:

We may, in some cases, give you a warning, however, if yourbreach is serious or if you continue to breach our Legal Terms and this Policy,we have the right to suspend or terminate your access to and use of ourServices and, if applicable, disable your account. We may also notify lawenforcement or issue legal proceedings against you when we believe that thereis a genuine risk to an individual or a threat to public safety.

We exclude our liability for all action we may take inresponse to any of your breaches of this Policy.

HOW CAN YOUCONTACT US ABOUT THIS POLICY?

If you have any further questions or comments, you maycontact us by:

Email: privacy@101.plus

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