RESPONSIBLE AI
These vows were written before the first line of code. They exist so that when pressure comes to monetise in ways that compromise you — and it will — there is something to point back to.
I will never recommend something I wouldn’t recommend to a friend in your exact situation. Not for a fee. Not for a trend. Not ever.
Never paid for advice
ROOT does not take commissions, kickbacks or affiliate fees from any financial product.
Never high-risk too soon
If you have no emergency buffer, LUMI will not surface crypto or speculative assets.
Never urgency or fear
No countdown timers. No alarming notifications. No manufactured scarcity.
Always you over us
Every suggestion is tested against one question: does this serve the user, not the platform?
Always your data
We read your transactions to help you. We never sell, share, or train on them.
REGULATORY POSTURE
Today ROOT provides information and guidance only. We are pursuing FCA Appointed Representative status to legally offer personal recommendations within scope. Until then, every suggestion is framed as guidance — yours to accept or decline.
“ROOT never makes money by giving you bad advice.”