AI Disclosure

Last Updated: September 14, 2025

Overview

The Smart Investor uses artificial intelligence (AI) technology to enhance your experience and provide personalized financial education. This disclosure explains how we use AI, its capabilities and limitations, and what you should know when interacting with AI-powered features.

How AI Powers Our Services

1. Chat Assistant

When you interact with our chat interface:

Your questions are processed by AI to understand intent
AI searches our knowledge base for relevant information
Responses are generated based on educational content
Multiple AI models may collaborate to provide the best answer

2. Personalized Recommendations

Our AI systems create personalized experiences by:

Analyzing your onboarding responses (banking preferences, financial goals)
Generating customized widget content for your dashboard
Matching products to user profiles based on stated preferences
Creating educational content relevant to your interests

3. Content Generation

AI assists in:

Creating educational articles and explanations
Generating product comparisons
Summarizing complex financial topics
Providing examples and scenarios

Important Limitations and Disclaimers

AI Is Not Perfect

AI systems may:

Generate incorrect or outdated information
Experience “hallucinations” (creating false information)
Misunderstand context or nuance
Provide inconsistent responses to similar questions
Make computational or logical errors

AI systems cannot:

Provide personalized financial advice
Access real-time market data without updates
Guarantee accuracy of information
Replace human professional judgment
Understand your complete financial situation

Accuracy and Verification

IMPORTANT: Always verify AI-generated information by:

Checking official sources (bank websites, government sites)
Consulting with qualified professionals
Reading current terms and conditions
Confirming rates and fees directly with providers
Cross-referencing multiple authoritative sources

Not Financial Advice

AI-generated content is:

Educational only – not personalized financial advice
General information – not tailored to your specific situation
Not a recommendation – to buy, sell, or hold any financial product
Not professional advice – from a licensed advisor

Your Privacy and AI

Data Protection

We do NOT send your name or email to AI providers
Personal identifiers are removed before AI processing
Your queries are anonymized for privacy protection
AI providers cannot identify you from the data we send

Data Usage

Your data is NOT used to train AI models – We don't allow OpenAI or Anthropic to train on your data
Queries are logged for quality improvement and debugging
Responses are cached to improve speed and reduce costs
Preferences are stored to personalize your experience

Data Retention

AI interaction logs are retained for service improvement
Complete prompts and responses are stored for quality assurance
You can request deletion of your AI interaction history

How AI Responses Are Generated

The Process

Query Reception: Your question is received and sanitized
Privacy Protection: Personal identifiers are removed
Intent Analysis: AI determines what you're asking about
Content Retrieval: Relevant educational content is found
Response Generation: AI creates an educational response
Quality Checks: Basic validation for obvious errors
Delivery: Response is presented to you

Multiple AI Collaboration

Sometimes multiple AI systems work together:

One AI understands your question
Another retrieves relevant content
A third generates the response
All work together to provide comprehensive information

Transparency About AI Behavior

Response Variability

The same question might receive different responses because:

AI models are probabilistic, not deterministic
Context and conversation history affect responses
Models are regularly updated and improved
Different AI systems may be used for load balancing

Confidence Levels

Our AI systems internally assess confidence, but:

High confidence doesn't guarantee accuracy
Low confidence responses are filtered out
We aim for helpful responses over perfect certainty
When uncertain, AI should direct you to professionals

Bias and Fairness

AI systems may exhibit biases:

Training data may contain historical biases
Recommendations might not represent all options equally
We work to identify and minimize biases
Report concerning responses to us

Best Practices for Users

When Using Our AI Features

DO:

Ask clear, specific questions
Provide context when helpful
Verify important information independently
Use AI as a starting point for research
Report errors or concerning responses

DON'T:

Rely solely on AI for financial decisions
Share sensitive personal information
Assume AI responses are always accurate
Use AI as a substitute for professional advice
Input private account numbers or passwords

Getting the Best Results

Break complex questions into simpler parts
Be specific about what you want to know
Ask follow-up questions for clarity
Use examples to explain your situation
Request sources or explanations when needed

Quality Assurance

Our Commitment

We strive to maintain high-quality AI responses through:

Regular testing and validation
Human review of AI outputs
Continuous model improvements
User feedback integration
Error detection and correction systems

Ongoing Improvements

AI models are updated periodically
New capabilities are added over time
Accuracy improvements are implemented
User feedback drives enhancements

Reporting Issues

Incorrect Information

Report factual errors to us immediately
Provide specific details about the error
Include the question you asked
Note the date and time of interaction

Inappropriate Responses

Report any offensive or inappropriate content
Flag responses that seem biased or unfair
Alert us to potential security concerns

Technical Problems

Report responses that don't make sense
Alert us to repetitive or stuck responses
Note any error messages received

Contact us at: baruch.s@infoforinvestors.com

Future AI Developments

As AI technology evolves, we may:

Integrate new AI models and capabilities
Enhance personalization features
Improve accuracy and reliability
Add new AI-powered tools
Expand language support

We will update this disclosure as our AI usage evolves.

Third-Party AI Services

Service Providers

Our AI providers have their own terms and policies:

OpenAI Terms of Service
OpenAI Privacy Policy
Anthropic Terms of Service
Anthropic Privacy Policy
Gemini Terms of Service
Gemini Privacy Policy

Provider Limitations

We don't control third-party AI services
Providers may change their models without notice
Service interruptions may occur
We cannot guarantee continuous availability

Legal and Regulatory Compliance

AI Governance

We implement responsible AI practices:

Human oversight of AI systems
Regular audits and testing
Compliance with applicable regulations
Ethical AI development principles

Regulatory Landscape

AI regulation is evolving. We monitor and comply with:

Federal AI guidelines
State AI regulations
Industry best practices
International AI standards where applicable

Special Notices

For California Residents

Under California law, you have rights regarding automated decision-making. Our AI systems assist but do not make fully automated decisions about financial products without human involvement.

For European Visitors

If you're visiting from the EU, you have rights under GDPR regarding automated processing. You can object to AI processing of your data by contacting us.

For Healthcare and Insurance

Our AI does not provide medical advice or make insurance eligibility determinations. Always consult appropriate professionals for health and insurance matters.

Children and AI

Our AI services are not intended for anyone under 18. We do not knowingly:

Allow minors to use AI features
Process minor's data through AI
Generate content for children

AI Technologies We Use

Primary AI Systems

OpenAI GPT-4

Used for: Understanding user queries, generating educational responses, content analysis
Provider: OpenAI, Inc.
Purpose: Natural language processing and response generation

Anthropic Claude

Used for: Content generation, complex analysis, educational explanations
Provider: Anthropic, PBC
Purpose: Advanced reasoning and detailed educational content

Supporting Technologies

Vector Database (Pinecone)

Used for: Content retrieval and matching
Purpose: Finding relevant educational content based on your queries
Note: We retrieve content only; we do not store your personal data in Pinecone

Proprietary Algorithms

Used for: Personalization, ranking, and recommendation logic
Purpose: Customizing your experience based on preferences

Intellectual Property

AI-Generated Content

AI responses are owned by Mann Media LLC
You may use AI responses for personal, non-commercial purposes
You cannot resell or redistribute AI-generated content
We retain all rights to AI improvements and derivatives

Your Input

You retain ownership of your questions
You grant us license to use queries for improvement
We may use anonymized queries for training and testing

Summary and Key Takeaways

Remember:

AI is a tool, not an advisor – Use it for education, not decisions
Verify everything important – Don't trust AI blindly
Privacy is protected – We don't send your personal info to AI
Not used for training – Your data doesn't train public AI models
Errors happen – AI can and will make mistakes
Human judgment matters – Always apply critical thinking

Contact Information

For questions about our AI usage:

Mann Media LLC
d/b/a The Smart Investor
30 N Gould St, Ste R
Sheridan, WY 82801

Email: baruch.s@infoforinvestors.com

Acknowledgment

By using our AI-powered features, you acknowledge that:

You understand AI limitations
You will verify important information
You won't rely solely on AI for decisions
You accept the inherent uncertainties of AI technology

This AI Disclosure is part of our commitment to transparency and responsible AI use.