BuckGuru, Inc.
AI-Powered Financial Education Platform
Document Version: 1.0 | Last Updated: March 2026
BuckGuru is NOT a registered investment adviser, broker-dealer, or financial planning firm.
The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (SEC), any state securities authority, or any other regulatory body. BuckGuru is providing this disclosure voluntarily to promote transparency and help users understand our service.
This brochure provides information about the services and business practices of BuckGuru, Inc. This information should help you understand our service and make informed decisions about using our platform.
Additional information about BuckGuru is available at:
1. Summary of Material Changes
2. Service Description
3. Regulatory Status
4. Fees and Compensation
5. Account Information
6. AI Technology and Methodology
7. Technical Compliance Controls
8. Conflicts of Interest
9. Disciplinary Information
10. Other Financial Industry Activities
11. Code of Ethics
12. Review of User Information
13. Client Referrals and Other Compensation
14. Custody
15. Privacy and Data Protection
16. Financial Information
17. Requirements for State-Registered Advisers
18. Trust Center Reference
Current Version: 1.0 (March 2026)
This is the initial version of BuckGuru's Platform Disclosure Brochure. As this is our first disclosure document, there are no prior versions to compare against.
We will update this brochure at least annually, or more frequently if material changes occur. Users will be notified of material changes via email and/or in-app notification.
BuckGuru is an AI-powered financial education and coaching platform designed to help users understand personal finance concepts and make more informed financial decisions.
BuckGuru explicitly does NOT provide:
BuckGuru is a financial education platform, NOT a registered investment adviser.
Use of BuckGuru does NOT create a fiduciary relationship, an advisory relationship, a professional client relationship, or any duty of loyalty or care beyond basic consumer protection laws.
BuckGuru offers tiered subscription plans:
| Plan | Features | Pricing |
|---|---|---|
| Free | Limited credits, basic features | $0/month |
| Plus | Unlimited credits, advanced features | See pricing page |
| Enterprise | Custom features, whitelabel options | Custom pricing |
BuckGuru may earn affiliate commissions when users sign up for third-party products. Affiliate relationships are disclosed in AI responses and do not affect educational content.
We offer Guest, Registered, and Paid account types. When you create an account, we may collect email address, name (optional), financial goals and preferences (optional), and demographic information (optional).
Users may terminate their account at any time by contacting support@buckguru.com or through account settings.
BuckGuru uses advanced large language models (LLMs) to power our AI coaching experience. Our AI coaches provide educational information, answer questions, and offer different communication styles.
| Persona | Style | Approach |
|---|---|---|
| Default (BuckGuru) | Balanced, educational | General financial education |
| Eva (The Marshall) | Calm, methodical | Structured, step-by-step guidance |
| David (The Ace) | Analytical, direct | Data-driven explanations |
| Sarah (The Guardian) | Warm, nurturing | Emotionally supportive education |
| Whit (The Trail Boss) | Bold, energetic | Motivational, action-oriented |
| Michael (The Maverick) | Fun, engaging | Story-driven, relatable education |
Note: These are AI personas with fictional backgrounds. They do not represent real financial professionals.
BuckGuru has implemented comprehensive technical controls to ensure our platform operates within its educational mandate.
IMPORTANT COMPLIANCE BOUNDARIES:
| Control Layer | Verification Method |
|---|---|
| AI System Prompts | Code review, QA tests |
| AI Tool Guardrails | Code review, QA tests |
| Terminology Standards | Grep audit, linting |
| Terms of Service | Legal review |
| UI Disclaimers | Visual QA, E2E tests |
| Voice Mode Compliance | Code review |
| Automated Testing | CI pipeline |
For detailed technical documentation, see our Trust Center.
BuckGuru may earn affiliate commissions when users sign up for financial products through our platform.
Mitigation: Affiliate relationships are disclosed, we only feature evaluated products, compensation does not affect educational content, and our primary business model is subscription revenue.
BuckGuru does NOT execute securities transactions, receive compensation based on transactions, or have soft dollar arrangements.
As of the date of this brochure, BuckGuru and its principals have no legal or disciplinary events to disclose, including no criminal or civil actions and no administrative proceedings before any regulatory body.
BuckGuru and its principals are NOT registered as a broker-dealer, futures commission merchant, commodity pool operator, commodity trading advisor, or affiliated with any registered investment adviser.
BuckGuru is committed to transparency, honesty, user-first prioritization, accessibility, and privacy protection.
BuckGuru employees may personally own securities, but do NOT provide investment recommendations, and personal holdings do NOT affect educational content. A copy of our Code of Ethics is available upon request at legal@buckguru.com.
User-provided information is used to personalize educational content and provide benchmarking. User information is NEVER used to make specific investment recommendations or create personalized portfolio allocations.
BuckGuru may receive affiliate compensation from third parties. These relationships are disclosed in AI responses and product pages. BuckGuru does NOT pay or receive referral fees for directing users to investment advisers.
BuckGuru does NOT have custody of user assets. We do NOT hold user funds, have access to user bank accounts, have trading authority, or receive securities from users. Subscription payments are processed by third-party payment processors.
We collect account information, financial preferences (optional), conversation history, and usage analytics. All data is encrypted in transit and at rest. Users have rights to access, correct, delete, and export their data.
We comply with CCPA/CPRA for California residents and provide GDPR protections for EU users. See our Privacy Policy for complete details.
BuckGuru is a privately held company with no financial conditions that would impair our ability to meet contractual commitments. BuckGuru does NOT require prepayment of fees six months or more in advance, take custody of user funds, or have discretionary authority over user assets.
Not Applicable. BuckGuru is NOT registered as an investment adviser with any state. This disclosure is provided voluntarily for transparency purposes, not as a regulatory requirement.
For the most current information about BuckGuru's security, privacy, and compliance practices, please visit our Trust Center.
This Platform Disclosure Brochure is provided for informational purposes only and does not constitute legal advice. BuckGuru is not a registered investment adviser, and this document is not a Form ADV filing. This disclosure is provided voluntarily to promote transparency.
Document Version: 1.0 | Last Updated: March 2026