Acceptable Use Policy

1. Purpose

This Acceptable Use Policy ("AUP") sets out the rules governing use of the FinVerified platform ("Platform") by all users, including practice administrators, clinical staff, lender partners, and any other authorised users. This AUP is incorporated by reference into the Terms of Service and the Provider Service Agreement.

2. Permitted Use

The Platform is provided solely for lawful business purposes relating to dental practice compliance, patient financing facilitation, team training, and related activities as described in the Platform documentation. Users may access and use the Platform only for their own internal business operations.

3. Prohibited Activities

Users must not use the Platform to:

• Violate any applicable federal, state, or local law or regulation, including HIPAA, TILA/Regulation Z, UDAAP, Red Flags Rule, or applicable state lending statutes
• Upload, transmit, or store actual patient PHI (including names, SSNs, DOBs, or diagnosis codes) outside of designated encrypted evidence vault fields
• Misrepresent your identity, credentials, or affiliation
• Attempt to gain unauthorised access to any part of the Platform or its underlying infrastructure
• Introduce malware, viruses, or other harmful code
• Scrape, harvest, or systematically extract data from the Platform without written authorisation
• Use the Platform to facilitate deceptive financing practices, including predatory lending, undisclosed deferred interest, or payment surprises
• Share account credentials with unauthorised parties
• Use the diagnostic or scoring tools to generate misleading compliance representations to patients, regulators, or third parties
• Reverse engineer, decompile, or disassemble any portion of the Platform

4. Patient Financing Conduct Standards

Users who access patient financing features must comply with all applicable consumer protection regulations. Specifically, users must not:

• Guarantee financing approval outcomes to patients
• Present financing options with APR exceeding applicable state usury limits
• Offer or endorse deferred-interest products prohibited by the FinVerified lender network standards
• Make treatment conditional on financing acceptance
• Discuss financing terms with patients in the presence of other patients (privacy obligation)

5. Lender Partner Standards

Lender partners accessing the Platform through the FinVerified network must maintain compliance with all applicable lender regulations and the terms of the Processor Service Agreement. Lenders must not use the Platform to access practice data for purposes other than evaluating and servicing financing applications initiated by the practice.

6. Monitoring and Enforcement

FinVerified reserves the right to monitor Platform usage to ensure compliance with this AUP. Violations may result in suspension or termination of access, with or without notice, in addition to any other remedies available at law or in equity. FinVerified may report violations to appropriate regulatory authorities where required.

7. Reporting Violations

If you become aware of any violation of this AUP, please report it to security@finverified.ai or legal@finverified.ai.

8. Changes to This Policy

FinVerified may update this AUP at any time. Continued use of the Platform following notice of changes constitutes acceptance. Material changes will be communicated by email or in-Platform notification.

9. Contact