Business Model/Market: As of today, we monetize by selling QR code hats which when scanned lead to your profile page showing how much money you have. This is because this first version is really a status symbol, b2c product, we want to get traction by connecting with influencers. In other words, what you see now is the "Influencer Tier".
In the future we plan to build a premium tier which enables you to directly show a history of your networth over months and weeks. This is useful for internet ecommerce gurus who need financial credibility in order to sell their product. These additional features which offer more transparency form what will call the "Guru Tier".
TOS/Privacy: Great call out. We need to add more transparency about ourselves as the founders as well. We need an about page. This trust is something we are going to earn over time by being open about who we are, and how this works (including how we plan to make money).
Real Estate/Debt: As of today, we don't support verification of real estate. But if these is a recurring request, then its a feature we could work towards in the future. As for debt, you aren't required to add a financial account, so people could just omit their debt. This is a legitimate gap that I don't know how to solve yet.