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He says he's paying contractors who are working on his house. You wouldn't consider that "personal use"?

How else could he use the service anyway? What is non personal use of your own money?! Serious question, I don't understand.

They don't want you using it for your business accounts.

Not sure what your problem is. Personal use might include commuting to work, clothes for work, landlord referencing fees, overdraft fees, perhaps some basic food.

> landlord referencing fees

How the hell is money spent on contracting a house to live in (contracting a person to reference you specifically) different to contracting a person to build a house to live in?

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