In our ethical consideration, we value clarifying user privacy, being responsible with user data, and creating inclusive technology. As for our concerns, our first is that we’ll be violating our user’s privacy when viewing their bank transaction history. To address this, we’ve decided not to save any detailed information of their spending habits, but instead use their information to make a few early calculations. Next is our financial planner’s ability to balance coaching with advising without overstepping in one area or the other. To help with this we’re intending to introduce ice-breakers through chat/message with the use of AI/Chat-bot to help our users create a strong trusting relationship with their advisor.