Every AI output is bounded by ASIC-compliant guardrails enforced at the API level. These rules can't be overridden by users, prompts, or edge cases.
These aren't preferences. They're hard constraints enforced in every API call, on every analysis, for every user.
The AI will never recommend a specific product, tell a client what to buy, or suggest one insurer over another. All outputs are general information only.
Every AI output automatically includes the General Advice Warning. Enforced at the API level — it cannot be removed, bypassed, or suppressed.
If a clause isn't in the document, the AI says "not addressed." If ambiguous, it flags for human review with a confidence score. Refuses rather than guesses.
Every finding includes a precise citation — section number, page, clause heading. No citation, no claim.
Ask IA responses are grounded exclusively in your uploaded documents. No internet, no generic insurance knowledge, no other clients' policies.
Medium and Low confidence findings are explicitly flagged. The AI identifies what it's uncertain about and routes those items to your review queue.
Every firm's documents are completely isolated at the database level. Tenant-scoped queries enforced on every API request.
Every analysis, question, and AI response is recorded in an immutable audit trail with timestamps. 7-year retention for ASIC compliance.
Under Australian financial services law, any general advice must be accompanied by a General Advice Warning. Insurance Advice appends this automatically — enforced at the backend.
This information is general in nature and has been prepared without taking into account any person's individual objectives, financial situation, or needs. Before acting on this information, you should consider its appropriateness and seek independent professional advice.
Every output is marked as AI-assisted and requires human review before reaching a client. The licensed professional retains full decision-making authority.
Every guardrail maps to a specific Australian regulatory requirement. Enforced in code, not theory.
Positioned as a professional analysis tool — not a consumer advice engine. All outputs stay within the general advice boundary.
s961B evidence generated automatically — products investigated, gaps identified, rationale documented with every comparison.
Algorithm version control and input/output logging meet ASIC's expectations for digital financial advice. Every version recorded.
Claims notification timeframes, renewal disclosure, and complaints handling from the General Insurance Code embedded in analysis flags.
APP 1, 5, and 8.2(b) compliance — privacy policy names Anthropic as subprocessor, cross-border disclosure documented.
Privacy Act automated decision-making transparency amendments. Designed from day one with explainability and human-in-the-loop review.
Every AI output includes a reasoning trace, confidence rationale, and full citation chain. Built to exceed ASIC REP 798 expectations.
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