ETHICS

Every financial advisor should be a fiduciary. Full stop. No exceptions.

We will never charge a late fee. If you can't pay, the last thing you need is a punishment for being broke.

We make money when our members spend. Not when they struggle. That alignment of incentives changes everything.

Our software helps find terrorists. If you have a problem with that, you have a problem with national security.

Democracies need to be able to out-analyze their adversaries. If we don't build these tools, someone with fewer ethical constraints will.

No infrastructure company should be the arbiter of what's allowed online. But when someone uses your platform to coordinate violence, doing nothing isn't neutral — it's complicit.