Advice about your life has to be right. Here is exactly how we keep it grounded, governed, and private.
Every personal fact — balances, APRs, goals, history — is read deterministically from your system of record and labeled authoritative. The model is instructed never to invent personal data.
If a fact is missing or unavailable, the assistant says so and offers to help you add it. It does not estimate, infer, or fill in from an example.
Your data lives in a private knowledge graph isolated per user, with row-level security across every store.
Central knowledge (shared methodology, compliance, safety) governs how we answer. Your personal data — never shared — determines what is true.
Advice passes a constitutional + compliance layer before it reaches you; unsafe or non-compliant output is blocked.
Least-privilege access, encryption, and per-user isolation throughout. Plaid connectivity (full product) is read-only.
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General information, not financial, tax, or legal advice.