AI TransparencyHow Our AI Works
We believe you should understand how AI makes financial recommendations that affect your life. Here's everything you need to know about our AI systems, their capabilities, and limitations.
Our AI Principles
These principles guide every decision we make about AI development and deployment.
Transparency
We explain how our AI makes decisions and what data it uses.
Privacy
Your financial data is protected and never used to train models without consent.
Control
You can adjust AI settings and opt out of certain AI features anytime.
Beneficial
Our AI is designed to help improve your financial wellness, not maximize our profits.
How Our AI Makes Recommendations
Understanding the process behind AI-powered financial guidance.
Data Analysis
AI analyzes your transaction patterns, spending habits, and financial goals using secure, encrypted processing.
Pattern Recognition
Machine learning models identify trends and patterns in your financial behavior to understand your unique situation.
Recommendation Generation
AI generates personalized recommendations based on proven financial principles and your specific circumstances.
Human Review
All AI models are regularly reviewed by our team of financial experts to ensure accuracy and appropriateness.
AI Technology Stack
How We Use Your Data
Complete transparency about data usage in our AI systems.
What Data We Use
✓ Your Personal Financial Data
Transaction history, account balances, spending patterns - used only for your personalized recommendations.
✓ Anonymized Aggregate Data
Anonymized patterns from all users to improve AI accuracy - your identity is never revealed.
✓ Financial Market Data
Public market data, economic indicators, and financial research to enhance recommendations.
What We Don't Do
✗ Sell Your Data
We never sell your personal or financial data to third parties for marketing or profit.
✗ Share Without Consent
Your individual data is never shared with external parties without explicit consent.
✗ Train on Your Data Without Permission
We only use your data for model training if you explicitly opt in to help improve the service.
AI Limitations and Risks
Understanding what AI can and cannot do helps you make better decisions.
Important Disclaimer
AI recommendations are tools to assist your decision-making, not substitutes for professional financial advice. Always consider your unique circumstances and consult professionals for complex financial decisions.
Data Dependency
AI recommendations are only as good as the data provided. Incomplete or inaccurate transaction data may lead to suboptimal suggestions.
Market Unpredictability
AI cannot predict market crashes, economic downturns, or other unforeseen events that may impact your financial situation.
Personal Context
AI may not fully understand complex personal circumstances, family dynamics, or emotional factors that influence financial decisions.
Regulatory Changes
AI recommendations may not account for future changes in tax laws, regulations, or financial policies that could affect your strategy.
Bias Potential
Despite our efforts to minimize bias, AI models may reflect biases present in training data or societal financial practices.
Technology Limitations
AI systems can experience downtime, errors, or unexpected behavior that may temporarily affect the quality of recommendations.
Your Control Over AI
You have complete control over how AI interacts with your financial data.
Settings You Can Control
- AI recommendation frequency and types
- Data sharing for model improvement
- AI learning from your interactions
- Notification preferences for AI insights
- Risk tolerance and investment preferences
Your Rights
- Request explanations for AI recommendations
- Opt out of AI features entirely
- Access raw data used for recommendations
- Report biased or inappropriate suggestions
- Delete your data from AI training sets
Questions About Our AI?
We're committed to transparency and happy to answer any questions about how our AI works.
AI Ethics Team: ai-ethics@fiplan.xyz
Technical Questions: ai-support@fiplan.xyz
General Support: support@fiplan.xyz