Our Community Guidelines

Treat all members of the BeAFox community with respect and kindness. A positive culture of mutual trust is the foundation of our community.

• Be respectful and courteous in all interactions, online and offline
• Avoid insulting, discriminatory, racist, sexist, or demeaning language or behavior
• Respect different opinions, religions, identities, and experiences
• Help others learn instead of criticizing or shaming them
• Celebrate others' successes and encourage them constructively in their learning journey

Share your knowledge constructively and help others learn. Open, factual discussions promote understanding for everyone.

• Ask questions when you don't understand something, and make an effort to understand answers
• Share your experiences and tips factually and evidence-based with the community
• Provide constructive feedback that concretely helps others improve
• Avoid spam, advertising, unsolicited promotions, or unwanted commercialized content
• Keep discussions factual, on-topic, and free of personal attacks

The following content is absolutely not permitted in the BeAFox community. These restrictions comply with the Digital Services Act (DSA) and the German Digital Services Act (DDG).

• Hate content and incitement: Content that incites violence, discrimination, or hatred against persons based on race, ethnicity, religion, gender, sexual orientation, disability, or other protected characteristics (§ 130, § 131 StGB)
• Violence and threats: Threats or glorification of violence, suicide, or self-harm; content that intimidates or threatens others
• Harassment and doxxing: Sustained or repeated harassment of persons; disclosure of private personal data (addresses, phone numbers, etc.) without consent
• Sexual and child safety content: Child sexual abuse material (CSAM) or any form of sexual abuse or exploitation of children; content offering sexual services or sexualized content involving minors (§§ 176, 182, 184 StGB)
• Terrorism and extremism: Content that glorifies, spreads, or incites terrorism; propaganda material of extremist organizations
• Fraud and illegal activities: Content inciting or instructing fraud, document forgery, theft, or other crimes; distribution of malware or phishing links
• Copyright and intellectual property: Distribution of content that violates third-party copyrights, trademarks, or other intellectual property rights without legal basis
• Impersonation and deception: Impersonating another person's identity, especially BeAFox staff, moderators, or public figures; spreading deliberately false or misleading information about financial topics
• Illegally offered goods or services: Distribution or promotion of unlawfully manufactured, imported, or distributed goods

Protect your personal data and that of other users. Trust and data security are essential for our community. BeAFox is GDPR-compliant and protects all user data strictly.

• Do not share personal financial data such as account numbers, PINs, TAN numbers, credit card data, or other sensitive information in public areas
• Never share passwords, access credentials, or authentication codes: BeAFox staff will never ask you for these
• Respect other users' privacy: Do not share their personal data, images, or private information without explicit consent
• Report suspicious activities, phishing attempts, unusual account access, or security vulnerabilities immediately to info@beafox.app
• Use a strong, unique password for your BeAFox account and enable two-factor authentication if available
• Understand that BeAFox processes your data in accordance with GDPR and our privacy policy: find privacy information at beafox.app/privacy

BeAFox is directed exclusively at adult users (18 years and older). Regardless of this, content that endangers children or young people is strictly prohibited.

• Use from 18 years only: Minors are not permitted to create an account. Accounts created by minors will be blocked and deleted
• Truthful age information: False information about your age violates these guidelines and leads to the loss of your account
• No material endangering children or young people: Child sexual abuse material (CSAM) and any form of sexualization of minors lead to immediate blocking and criminal charges
• Reporting: Any suspicious activity regarding child endangerment will be reported to the police and/or the competent authorities (pursuant to Section 8a SGB VIII and Section 14 (2) JMStV)

BeAFox is the first AI for your finances, but not financial or investment advice. Bea is an AI financial assistant, not a licensed financial advisor.

• BeAFox provides general information, analyses and tools around your finances, but no personal or legally binding financial, investment or tax advice
• Do not give specific investment recommendations, tips, or financial forecasts, that is financial advice, which requires a license
• Refer to professional, licensed financial advisors or authorities (such as BaFin) for complex or personal financial questions
• Share general financial knowledge and concepts, but not your personal financial decisions or strategies that could be misunderstood as advice
• Remind others that individual professional advice is important and recommended for major financial decisions (loans, investments, insurance)

Bea is your AI financial assistant. It is important that you understand how Bea works, what Bea can do and what it cannot.

• Bea is an AI: Bea is powered by artificial intelligence and can make mistakes. Bea is not human and has no personal feelings or intentions
• Transparency about AI-generated content: Content generated by Bea or other AI systems will be labeled as such. BeAFox does not secretly mix AI content with human content
• Bea's limitations: Bea does not provide professional financial advice, cannot support during crisis situations, and does not replace human experts. For serious problems, contact a trusted person, therapist, or authorities
• AI data protection: Your conversations with Bea are processed and may be used in pseudonymized form to improve Bea; they are not used to train our provider's general AI foundation models. Details can be found at beafox.app/datenschutz
• Complaints about Bea behavior: If Bea content seems inappropriate or misrepresents you, you can report this. BeAFox will review the case

The EU Digital Services Act requires us to have a structured process for reporting illegal content. You can report content that violates laws or these guidelines.

• Reporting channel: Use the report form in the app under Settings > Report Content or write directly to info@beafox.app. Provide the content URL or screenshot plus description
• Required information for a report: Concrete description of the content, why it is illegal or violates guidelines, link or screenshot, your contact details (optional but helpful for follow-up). Factual and detailed formulation helps us act quickly
• Processing of illegal content: Content that violates applicable German or EU law (e.g., CSAM, terrorism, incitement to violence) will be reviewed within 72 hours and removed if confirmed illegal. Guideline violations will be processed within 7 days
• Report status tracking: You receive confirmation of your report and can track its status (in the app under Reports or by email)
• Appeal against incorrect report: If a report is handled incorrectly, the user can appeal (see Point 10: Complaint Management)

BeAFox moderates content to enforce these guidelines. We are transparent about how, why, and by whom decisions are made.

• Moderation methods: BeAFox uses a combination of automated detection (artificial intelligence) and human review. Flagged content is reviewed by trained moderators before action is taken
• Duty to provide reasons (DSA Art. 17): If your account is suspended, a post is deleted, or other action is taken, you receive notification with: (1) the exact guideline section or reason, (2) the specific justification for why the action was taken, (3) information about your right to complain. This information will be provided within reasonable time
• Transparency: On request, we provide information about our moderation practice and publish transparency reports to the extent we are legally required to do so (DSA Art. 15)
• Human review for complaints: If you appeal a moderation decision, your case is reviewed again by a different trained moderator (not the same person, not just automated systems)
• Emergency exceptions: In case of imminent danger (e.g., suicide announcement, bomb threat), BeAFox can remove content without warning and contact authorities

You have the right to lodge complaints against moderation decisions, suspensions, or deletions. BeAFox offers an internal review process and external options.

• Internal complaint: If you wish to contest a moderation decision, you can submit a complaint to info@beafox.app within 14 days of notification. Specify: (1) which decision you are contesting, (2) your reasons why the decision is wrong, (3) if applicable, new information. Format factually and specifically
• Internal review period: BeAFox reviews your complaint within 14 days and informs you of the result: decision upheld, partially reversed, or fully overturned. The reasoning will be provided
• Out-of-court dispute resolution: If you disagree with the internal decision, you can turn to a certified out-of-court dispute settlement body pursuant to Art. 21 DSA once one has been designated for this area. Contact info@beafox.app for current information
• Judicial review: You have the right to contest any moderation decision before a German or EU court (administrative law or private law depending on the situation)
• No retaliation: BeAFox will not suspend your account, delete your content, or otherwise harm you for filing a complaint. That is retaliation and is prohibited