Moolah Invest Ethics Code
Code of Ethics Guidelines to Govern Content Creation
1. Introduction
These guidelines are designed to ensure that all content produced by our organization aligns with ethical standards and regulatory requirements, such as MiFID II, to prevent it from being interpreted as investment advice. Our objective is to maintain transparency, objectivity, and integrity in all communications.
This document includes a code of ethics emphasizing transparency, consistency, truthfulness, and responsibility. By adhering to these guidelines, we aim to provide valuable, educational content that informs and empowers our audience while avoiding personalized recommendations or endorsements of specific financial products.
2. Definition of Investment Advice
Under MiFID II, investment advice involves the provision of personal recommendations to clients or potential clients regarding transactions in financial instruments. Our content aim to avoid fulfilling the criteria that define investment advice, including:
Personalized recommendations.
Suggestions that imply suitability for specific individuals.
Promoting particular financial instruments with an explicit or implicit endorsement.
3. Our Guidelines for Content Creation
3.1 Avoid Personalized Recommendations
Content must be general in nature and should not be tailored to the specific financial situation or objectives of any individual.
Avoid using language that suggests a course of action tailored to a particular user's circumstances, such as "You should invest in..." or "This product is perfect for you."
3.2 Maintain Objectivity
Content should provide objective information rather than endorsing specific products or services.
Avoid making any statements that could be interpreted as advice, such as suggesting which financial instruments are "best" or "most suitable."
3.3 Use Disclaimers
Include a clear disclaimer stating that the content is for informational purposes only and does not constitute financial, legal, or investment advice.
Disclaimers should be prominently placed to ensure visibility and understanding by the audience.
3.4 Focus on Education and Information
The primary objective of our content is to educate or inform readers, providing insights into market trends, general financial concepts, or industry developments.
Avoid discussing specific financial products or instruments in a manner that could be construed as advocating for a transaction.
3.5 Avoid Suggestive Language
Refrain from using suggestive language that implies endorsement, such as "recommended," "best choice," or "highly profitable."
Use neutral phrasing like "an option could be," "some investors consider," or "it is possible to."
3.6 Avoid Financial Projections and Forecasts
Do not make financial projections, price forecasts, or statements regarding potential returns or future performance of specific instruments.
Instead, refer to historical data and use factual statements without implying future outcomes.
3.7 No Call to Action for Specific Investments
Avoid calls to action that could lead the reader to make an investment decision, such as "Buy now," "Invest in this," or "Act quickly."
Focus on providing balanced information and letting the reader draw their own conclusions.
4. Review Process
All content must undergo a compliance review before publication to ensure it adheres to these guidelines.
The review should focus on language, tone, and structure to verify that the content is educational, objective, and avoids any semblance of providing investment advice.
5. Training and Awareness
Our Content creators will receive regular training sessions on the regulations surrounding investment advice and how to create compliant content.
Updates to regulatory requirements will be communicated promptly to ensure ongoing compliance.
6. Monitoring and Reporting
Monitor published content for any potential violations of these guidelines.
Employees are encouraged to report any content they believe may unintentionally provide investment advice, so corrective measures can be taken.
7. Consequences of Non-Compliance
Failure to comply with these guidelines may result in disciplinary action, including training, warnings, or other measures deemed necessary to maintain compliance.
8. Code of Ethics
8.1 Transparency and Openness
Make a clear distinction between facts and personal opinions. Clearly indicate when presenting factual information versus subjective assessments.
Be transparent about sources of information used in content creation.
Publish qualifications and prior knowledge in relevant financial areas to illustrate the basis of expertise.
Avoid making any recommendations without justifying them with a balanced presentation of advantages, disadvantages, and risks.
Disclose collaborations with companies and the benefits received from them, such as monetary compensation or other incentives.
8.2 Consistency and Respect
Focus on financial topics and concentrate on specialist expertise. Avoid using the platform for unrelated statements.
Do not use content to spread extremist or discriminatory ideas. Respect the values of a free and inclusive society.
Ensure all content complies with applicable laws, including the Market Abuse Regulation and other relevant requirements.
8.3 Truthfulness and Independence
Strive for truthfulness in all content, ensuring accuracy and avoiding exaggeration or misrepresentation.
Maintain independence in collaborations. Even in paid partnerships, ensure the information provided is objective and unbiased.
Conduct independent research and analysis rather than passing off third-party information as original work.
8.4 Responsibility and Reliability
Recognize the influence of published content on readers and take responsibility for its impact.
Demonstrate trustworthiness by keeping agreements and commitments with partners and collaborators.
Regularly reflect on content and exercise self-control to ensure ethical standards are upheld. Continuously review and adapt content to maintain these standards.
These guidelines are intended to help us maintain ethical standards and regulatory compliance while providing informative and valuable content.
Last updated
