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# M1 Finance Unified Robots.txt
# Last Updated: February 9, 2026

# === DEFAULT RULES FOR ALL BOTS ===
User-agent: *

# --- WordPress Admin (standard) ---
Disallow: /wp/wp-admin/
Allow: /wp/wp-admin/admin-ajax.php

# Security & Private Areas
Disallow: /login/
Disallow: /client/
Disallow: /dashboard/

# Search & Feeds (prevent indexing)
Disallow: /*?s=
Disallow: /search/
Disallow: /feed/
Disallow: /*/feed/
Disallow: /*/trackback/

# --- Allow rendering assets (important for SEO & CWV) ---
Allow: /wp-content/
Allow: /wp-includes/

# === SITEMAPS ===
Sitemap: https://m1.com/sitemap_index.xml
Sitemap: https://pages.m1.com/sitemap.xml

# === AI CRAWLERS ===
# Explicitly allow AI crawlers (no restrictions beyond the default rules above)
User-agent: GPTBot
Disallow:

User-agent: CCBot
Disallow:

User-agent: Google-Extended
Disallow:

User-agent: PerplexityBot
Disallow:

User-agent: ClaudeBot
Disallow:

# M1 Finance

> M1 is a financial technology platform offering automated investing, high-yield cash accounts, and low-cost borrowing solutions. M1 Finance LLC is an SEC registered broker-dealer, Member FINRA/SIPC.

## Core Products

### Invest
- Commission-free automated investing
- Customizable portfolios (Pies)
- Individual, Joint, Retirement (IRA), Custodial and Trust accounts
- URL: https://m1.com/invest

### Borrow
- Portfolio-secured margin loans
- Competitive variable rates tracking the Federal Funds Rate
- Borrow up to 50% of portfolio equity
- URL: https://m1.com/borrow

### Earn
- High-Yield Cash Accounts
- Currently offering 3.10% APY
- FDIC insured through partner banks
- URL: https://m1.com/earn

## Resources

- Help Center: https://help.m1.com
- Blog (Taking Stock): https://m1.com/blog
- Knowledge Bank: https://m1.com/knowledge-bank
- FAQ: https://help.m1.com/hc/en-us

## Compliance & Legal

- Terms of Use: https://m1.com/legal/terms
- Privacy Policy: https://m1.com/legal/privacy
- Disclosures: https://m1.com/legal/disclosures
- Fee Schedule: https://m1.com/legal/disclosures/miscellaneous-fees

## Contact

- Contact Form: https://m1.com/contact-us
- Support: https://help.m1.com
- Service Status: https://status.m1.com

## About M1

M1 Holdings Inc. operates M1 Finance LLC (brokerage), M1 Spend LLC (banking services), and M1 Digital LLC (crypto services). Founded in 2015 and headquartered in Chicago, IL.

## Important Disclaimers

All investing involves risk, including the risk of losing the money you invest. Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. M1 High-Yield Cash Accounts are offered through partner banks and are FDIC insured. For complete disclosures, visit https://m1.com/legal/disclosures