INTRODUCTION
INTRODUCTION
INTRODUCTION
INTRODUCTION
SCOPE OF AI SERVICES
SCOPE OF AI SERVICES
Conversational Interface:
- Natural language interaction with Platform features
- Question answering about Platform functionality
- Guidance on using tools and calculators
- Explanation of financial concepts and terminology
Data Analysis and Insights:
- Analysis of user portfolio data (when authorized)
- Interpretation of financial metrics and calculations
- Trend identification in user financial data
- Summary of complex financial information
Task Automation:
- Creation of transactions, budgets, and financial records
- Management of contacts and categories
- Execution of calculations using Platform tools
- Generation of reports and summaries
Educational Support:
- Explanation of investment concepts
- Clarification of financial planning principles
- Information about financial products and strategies
- Guidance on financial literacy topics
Guidance on financial literacy topics
- Personalized financial advice tailored to your specific situation
- Investment recommendations or buy/sell suggestions
- Tax preparation or tax advice
- Legal advice or legal document preparation
- Guaranteed accurate predictions or forecasts
- Execution of trades or actual financial transactions
- Direct access to your bank accounts or external financial institutions
NOT FINANCIAL, LEGAL, OR TAX ADVICE
NOT FINANCIAL, LEGAL, OR TAX ADVICE
No Financial Advice:
- The AI Assistant is not a registered investment advisor (RIA)
- Responses are informational and educational only
- The AI does not make personalized investment recommendations
- The AI cannot assess your complete financial situation
- All investment decisions remain solely your responsibility
- The AI does not have fiduciary duties to you
No Legal Advice:
- The AI Assistant is not a licensed attorney
- Legal information provided is general in nature
- The AI cannot provide advice on your specific legal matters
- You should consult licensed attorneys for legal advice
- The AI does not create attorney-client relationships
No Tax Advice:
- The AI Assistant is not a certified tax professional
- Tax information is general and may not apply to your situation
- Tax laws vary by jurisdiction and change frequently
- You should consult CPAs, tax attorneys, or enrolled agents for tax advice
- The AI cannot prepare tax returns or represent you before tax authorities
The AI cannot prepare tax returns or represent you before tax authorities
AI LIMITATIONS AND ACCURACY DISCLAIMERS
AI LIMITATIONS AND ACCURACY DISCLAIMERS
Knowledge Limitations:
- Training Data Cutoff: The AI's knowledge is based on training data up to a certain date and may not include the most recent information
- No Real-Time Market Data: The AI does not have direct access to live market data or breaking news
- General Knowledge: The AI has broad but not specialized expert-level knowledge
- No Personal Context: The AI does not know your complete financial picture unless you explicitly provide it
Technical Limitations:
- Probabilistic Responses: AI generates responses based on probability patterns, not deterministic logic
- Context Window: The AI has limited memory of conversation history
- No Reasoning Ability: Despite sophisticated responses, the AI does not "understand" in a human sense
- Language Model Constraints: Responses are generated based on pattern matching, not true comprehension
Accuracy Limitations:
- Not Always Accurate: AI-generated responses may contain errors, inaccuracies, or outdated information
- No Guarantee of Correctness: We do not guarantee the accuracy of any AI-generated content
- Verification Required: Users must independently verify all information before relying on it
- Mathematical Errors: The AI may make calculation errors; always verify numbers
- Factual Errors: The AI may state incorrect facts with high confidence
Factual Errors: The AI may state incorrect facts with high confidence
DATA USAGE FOR AI PROCESSING
DATA USAGE FOR AI PROCESSING
Data Processed by AI:
Conversation Data:
- All messages you send to the AI Assistant
- Your questions, commands, and requests
- Conversation history within active sessions
- Follow-up questions and clarifications
User Account Data:
- Your name and account information (when relevant to requests)
- Account preferences and settings
- Subscription tier and feature access
Financial Data (When Authorized):
- Portfolio holdings and transactions
- Budget and expense data
- Financial goals and plans
- Income and cash flow information
- Net worth and asset allocation
Platform Usage Data:
- Features and tools you use
- Calculation history
- Report generation requests
- Previous AI interactions
Purpose of Data Processing:
- To understand and respond to your queries
- To execute tasks and commands you request
- To provide context-aware assistance
- To improve response quality and relevance
- To personalize your experience (within privacy limits)
To personalize your experience (within privacy limits)
DATA ANONYMIZATION PROCESS
DATA ANONYMIZATION PROCESS
Anonymization Techniques:
Personal Identifier Removal:
- Names, addresses, and contact information may be removed or pseudonymized
- Account numbers and specific identifiers are masked
- Personally identifiable information (PII) is stripped where possible
Data Aggregation:
- Individual data may be aggregated with other users for analytics
- Aggregated data cannot be traced back to individual users
- Statistical patterns are analyzed in aggregate form
Pseudonymization:
- User identifiers replaced with pseudonyms for internal processing
- Mapping between pseudonyms and real identities kept separate and secured
- Access to de-pseudonymization restricted to authorized personnel only
Limitations of Anonymization:
- Not Perfect: Anonymization is not always 100% foolproof
- Conversation Content: The content of your specific questions may reveal identifying information
- Financial Patterns: Unique financial patterns might theoretically be identifiable
- Re-identification Risk: In rare cases, anonymized data combined with other sources could potentially re-identify users
Re-identification Risk: In rare cases, anonymized data combined with other sources could potentially re-identify users
OPT-OUT FROM AI TRAINING DATA
OPT-OUT FROM AI TRAINING DATA
Training Data Usage:
OPT-OUT FROM AI TRAINING DATA
- Improve AI model performance
- Train custom models for financial domain
- Enhance response quality and accuracy
- Develop new AI features
Opt-Out Process:
Develop new AI features
- Navigate to Settings > Privacy > AI Preferences
- Toggle "Do Not Use My Data for AI Training" to ON
- Confirm your preference
Confirm your preference
- Your future conversations will NOT be used for model training
- Previous conversations (if any) will be excluded from training datasets
- You can still use all AI features normally
- Opting out does not delete conversation history (see deletion rights below)
OpenAI Training Policy:
- OpenAI has committed to NOT using API data for training their models (as of current policy)
- Your data sent through OpenAI's API is subject to OpenAI's data usage policies
- OpenAI may use data for abuse monitoring and service improvement
- Review OpenAI's current policies at https://openai.com/policies
Review OpenAI's current policies at https://openai.com/policies
CONVERSATION LOGGING AND RETENTION
CONVERSATION LOGGING AND RETENTION
What We Log:
- Complete Conversations: All messages between you and the AI Assistant
- Timestamps: Date and time of each interaction
- User Context: Associated user account and session information
- AI Responses: All responses generated by the AI
- Tool Executions: Records of actions taken by the AI on your behalf
- Error Logs: Any errors or failures during AI interactions
Why We Log Conversations:
- Service Delivery: To maintain conversation context across messages
- User Support: To assist with troubleshooting and support requests
- Legal Compliance: To comply with regulatory requirements
- Security: To detect abuse, fraud, and unauthorized access
- Quality Improvement: To analyze and improve AI performance
- Audit Trail: To maintain records of AI-executed actions
Retention Periods:
Active Conversations:
- Retained for the duration of your active session
- Available for context in ongoing conversations
- Automatically continued across platform sessions
Historical Conversations:
- Retained for 90 days after conversation end
- Accessible to you through conversation history feature
- Used for support and quality purposes during retention period
Deleted Conversations:
- Permanently deleted after retention period
- May be retained longer if required by law or for legal proceedings
- Anonymized aggregated data may be retained indefinitely
Anonymized aggregated data may be retained indefinitely
AGENT TOOL EXECUTION AND CONSENT
AGENT TOOL EXECUTION AND CONSENT
AI Agent Capabilities:
Transaction Management:
- Create income and expense transactions
- Edit existing transactions
- Categorize transactions
- Add transaction notes and details
Contact Management:
- Create new contacts
- Update contact information
- Associate contacts with transactions
Budget and Goal Management:
- Create and modify budgets
- Set financial goals
- Track progress toward goals
Portfolio Operations:
- Add portfolio holdings
- Update investment positions
- Calculate portfolio metrics
Report Generation:
- Generate financial reports
- Create data exports
- Summarize financial information
Consent and Authorization:
Summarize financial information
Explicit Consent:
- You must explicitly request actions ("Create a transaction for...")
- The AI will confirm destructive or significant actions before executing
- You can review and undo most AI-executed actions
Scope of Authority:
- The AI can only perform actions within your account permissions
- The AI cannot access features restricted by your subscription tier
- The AI cannot perform irreversible financial transactions (e.g., actual stock trades, bank transfers)
Responsibility:
- You are fully responsible for all actions executed by the AI on your behalf
- Review AI-created data for accuracy
- Correct any errors or unwanted changes promptly
- The AI acts as your agent following your instructions
The AI acts as your agent following your instructions
AUTOMATED DECISION-MAKING DISCLOSURE (GDPR ARTICLE 22)
AUTOMATED DECISION-MAKING DISCLOSURE (GDPR ARTICLE 22)
Automated Decision-Making by AI:
AUTOMATED DECISION-MAKING DISCLOSURE (GDPR ARTICLE 22)
- Categorizing transactions based on descriptions
- Suggesting budget allocations based on spending patterns
- Recommending financial planning approaches based on stated goals
- Prioritizing information to present in responses
Prioritizing information to present in responses
- Legally bind you to contracts or obligations
- Significantly affect your legal rights
- Determine eligibility for financial products
- Execute actual financial transactions without your explicit confirmation
Your Rights Regarding Automated Decisions:
Right to Human Review:
- You can request human review of any AI-generated decision
- Contact [email protected] to request human review
- We will review and explain the AI's decision-making process
Right to Contest:
- You can contest any automated decision
- You can provide additional context the AI may have missed
- You can override AI categorizations and suggestions
Right to Explanation:
- You can request an explanation of how the AI reached a decision
- We will provide information about the logic and factors considered
- Explanations are based on our understanding of the AI model's behavior
Explanations are based on our understanding of the AI model's behavior
ERROR AND HALLUCINATION DISCLAIMERS
ERROR AND HALLUCINATION DISCLAIMERS
Types of AI Errors:
Hallucinations:
- Definition: AI generating plausible-sounding but factually incorrect information
- Confidence: AI may present hallucinated information with high confidence
- Specificity: Hallucinations can include specific false details (dates, numbers, names)
- Frequency: More likely when asked about obscure topics or very recent events
Calculation Errors:
- AI may make mathematical errors
- Complex calculations should be verified independently
- The AI may misinterpret numerical relationships
Outdated Information:
- AI knowledge has a training cutoff date
- Information about recent events, laws, or market conditions may be outdated
- Always verify time-sensitive information
Misinterpretation:
- The AI may misunderstand your question
- Context from earlier in conversation may be misapplied
- Ambiguous requests may be interpreted incorrectly
Mitigation Strategies:
Ambiguous requests may be interpreted incorrectly
- Regular model updates and improvements
- Validation of calculations through separate systems
- Cross-referencing with authoritative data sources
- User feedback mechanisms to identify errors
User feedback mechanisms to identify errors
- Verify Critical Information: Always verify important information from authoritative sources
- Cross-Check Numbers: Independently verify all financial calculations
- Question Inconsistencies: If something seems wrong, it probably is
- Report Errors: Help us improve by reporting inaccuracies
Report Errors: Help us improve by reporting inaccuracies
QUERY LIMITS AND QUOTAS
QUERY LIMITS AND QUOTAS
Query Quotas by Subscription Tier:
Free Tier:
- 20 queries per day
- Resets at midnight UTC
- Basic AI responses
- Standard response time
Premium Tier:
- 100 queries per day
- Resets at midnight UTC
- Enhanced AI capabilities
- Priority response time
Enterprise Tier:
- Unlimited queries (subject to fair use policy)
- No daily reset limitations
- Advanced AI features
- Fastest response time
Rate Limiting:
- Burst Protection: Maximum 10 queries per minute across all tiers
- Cooldown: 1-second minimum between consecutive queries
- Timeout: Long-running queries may be terminated after 60 seconds
Quota Exceeded Behavior:
Timeout: Long-running queries may be terminated after 60 seconds
- You will receive a clear notification
- The AI Assistant will be temporarily unavailable
- Your quota resets at the next reset period
- You can upgrade your subscription tier for higher limits
Fair Use Policy:
You can upgrade your subscription tier for higher limits
- Automated querying or API abuse is prohibited
- Queries must be for legitimate personal use
- Excessive use that impacts service performance may be throttled
- We reserve the right to implement reasonable limits to prevent abuse
PROHIBITED USES
PROHIBITED USES
Illegal Activities:
- Planning, executing, or facilitating illegal activities
- Money laundering or terrorist financing
- Tax evasion or fraud
- Securities manipulation or insider trading
- Any violation of applicable laws
Harmful Activities:
- Harassment, abuse, or threats against individuals
- Spreading misinformation or disinformation
- Creating or distributing malware or viruses
- Attempting to exploit or hack the Platform
Manipulation and Deception:
- Manipulating the AI to generate harmful content
- Attempting to extract training data or proprietary information
- Impersonating others or creating fake identities
- Generating spam or unsolicited marketing content
Competitive Intelligence:
- Reverse engineering the AI model or algorithms
- Systematic extraction of AI responses for competitive purposes
- Building competing products using our AI insights
Abuse of Service:
- Overwhelming the system with excessive queries
- Sharing account credentials to circumvent quotas
- Automated scraping or data mining
- Any use that degrades service for other users
Prohibited Content Requests:
- Requesting the AI to generate illegal financial advice
- Asking for hacking instructions or security exploits
- Requesting assistance with fraudulent activities
- Attempting to generate harmful or offensive content
Attempting to generate harmful or offensive content
- Immediate suspension of AI access
- Account termination for serious violations
- Legal action if laws are violated
- Cooperation with law enforcement as required
LIABILITY LIMITATIONS
LIABILITY LIMITATIONS
Financial Losses:
- Investment losses based on AI-generated information
- Missed opportunities due to AI errors
- Financial damages from incorrect calculations
- Tax liabilities from erroneous tax information
- Losses from AI misinterpretation of your requests
Data Issues:
- Unauthorized access resulting from AI vulnerabilities
- Data corruption or loss related to AI processing
- Privacy breaches involving AI-processed data
- Inadvertent disclosure of information through AI interactions
Service Failures:
- AI unavailability or downtime
- Slow response times or timeouts
- Errors in AI-executed actions
- Failure to complete requested tasks
Indirect Damages:
- Consequential damages
- Incidental damages
- Special damages
- Punitive damages
- Loss of profits or business opportunities
Maximum Liability:
- Our total liability for AI-related claims is limited to the amount you paid for AI services in the 12 months preceding the claim
- For free tier users, maximum liability is $100 USD
For free tier users, maximum liability is $100 USD
CONTEXT LIMITATIONS
CONTEXT LIMITATIONS
What the AI Doesn't Know (Unless You Tell It):
Financial Context:
- Your complete asset and liability picture
- Investments held outside the Platform
- Your risk tolerance and investment goals
- Your time horizon and liquidity needs
- Family or estate planning considerations
- Insurance coverage and risk management
- Other income sources or financial obligations
Personal Context:
- Your age, health status, and life expectancy
- Family situation and dependents
- Career plans and income trajectory
- Geographic location and applicable laws
- Cultural or religious financial considerations
- Personal values and preferences
External Information:
- Current market conditions (unless recently updated)
- Latest regulatory changes
- Recent news affecting your investments
- Changes in tax laws
- Your current financial advisor's advice
Implications:
- Incomplete Analysis: The AI's analysis is limited by available information
- Generic Responses: Without full context, responses may be too general
- Potentially Inappropriate: Suggestions may not fit your specific situation
- Professional Review Needed: Complex decisions require professional review with full context
Professional Review Needed: Complex decisions require professional review with full context
THIRD-PARTY INTEGRATION (OPENAI)
THIRD-PARTY INTEGRATION (OPENAI)
OpenAI Integration:
- Service Provider: OpenAI, L.L.C.
- Models Used: GPT-4, GPT-3.5-Turbo, or successor models
- API Access: We access OpenAI services through their commercial API
- Data Processing: Your queries are sent to OpenAI's servers for processing
Dual Terms Application:
Data Processing: Your queries are sent to OpenAI's servers for processing
- These AI Terms (governing our provision of services)
- OpenAI's Terms of Use (governing OpenAI's processing)
- OpenAI's Privacy Policy (governing OpenAI's data handling)
OpenAI's Privacy Policy (governing OpenAI's data handling)
- Terms: https://openai.com/policies/terms-of-use
- Privacy: https://openai.com/policies/privacy-policy
- Data Usage: https://openai.com/policies/api-data-usage-policies
Data Sharing with OpenAI:
Data Usage: https://openai.com/policies/api-data-usage-policies
- Your queries are transmitted to OpenAI for processing
- OpenAI processes data according to their data usage policies
- OpenAI may use data for abuse detection and system monitoring
- OpenAI does NOT use API data for training their general models (per current policy)
OpenAI Service Changes:
- OpenAI may modify their services, models, or policies
- We may switch to alternative AI providers if necessary
- Service capabilities may change as underlying models evolve
- We will notify you of material changes affecting AI functionality
We will notify you of material changes affecting AI functionality
OPENAI DATA RETENTION POLICY
OPENAI DATA RETENTION POLICY
Current OpenAI API Retention:
- 30 days: OpenAI retains API data for 30 days for abuse monitoring
- No Training Use: API data is NOT used to train OpenAI's models
- Automatic Deletion: Data is automatically deleted after the retention period
- No Human Review: API data is generally not reviewed by humans unless flagged for abuse
Exceptions to Retention:
No Human Review: API data is generally not reviewed by humans unless flagged for abuse
- Legal Requirements: If required by law or legal process
- Abuse Prevention: Flagged content related to abuse or violations
- Security: Data related to security incidents or investigations
Zero Data Retention (ZDR) Option:
- Enterprise customers may be eligible for zero data retention
- Contact us if you require ZDR guarantees
- May involve additional costs and enterprise agreements
May involve additional costs and enterprise agreements
USER RIGHTS
USER RIGHTS
Right to Access:
- Conversation History: Access your conversation history through the Platform
- Data Export: Request export of your AI conversation data
- Explanation: Request explanation of AI decisions affecting you
Right to Deletion:
- Delete Conversations: Delete individual or all conversations at any time
- Delete AI Data: Request deletion of all AI-related data
- Account Deletion: Deleting your account deletes associated AI data
Account Deletion: Deleting your account deletes associated AI data
- Navigate to Settings > AI Assistant > Conversation History
- Select conversations to delete or choose "Delete All"
- Confirm deletion
- Deleted conversations are permanently removed within 72 hours
Right to Opt-Out:
- Training Data: Opt-out from AI training data usage (see Section 7)
- AI Features: Disable AI Assistant entirely if preferred
- Specific Features: Opt-out of specific AI capabilities
Right to Correction:
- Correct Errors: Correct inaccurate information in your profile used by AI
- Update Context: Update context information the AI uses
- Feedback: Provide feedback to improve AI accuracy
Right to Restriction:
- Limit Processing: Request restriction of AI data processing
- Limit Tool Access: Restrict which tools the AI can execute on your behalf
Right to Portability (GDPR):
- Data Export: Export AI conversation data in machine-readable format (JSON)
- Transfer: Transfer data to another service if technically feasible
Right to Object (GDPR):
- Object to Processing: Object to AI processing of your data for specific purposes
- Explanation Required: We will honor objections unless we have compelling legitimate grounds
Right to Human Review:
- Contest AI Decisions: Request human review of AI-generated decisions
- Customer Support: Escalate AI issues to human support staff
Customer Support: Escalate AI issues to human support staff
- Most rights can be exercised through Platform settings
- For complex requests, email [email protected]
- We respond to rights requests within legally required timeframes (typically 30 days)
SECURITY AND CONFIDENTIALITY
SECURITY AND CONFIDENTIALITY
Security Measures:
Data Transmission:
- Encryption in Transit: TLS 1.3 encryption for all data transmission
- Encrypted APIs: Secure communication with OpenAI APIs
- Certificate Validation: Strict certificate validation to prevent MITM attacks
Data Storage:
- Encryption at Rest: AES-256 encryption for stored conversation data
- Access Controls: Role-based access control for AI data
- Audit Logging: All access to AI data is logged and monitored
AI Model Security:
- Prompt Injection Protection: Safeguards against prompt injection attacks
- Output Filtering: Filtering to prevent generation of harmful content
- Rate Limiting: Protection against abuse and DoS attacks
Confidentiality Limitations:
Rate Limiting: Protection against abuse and DoS attacks
- Highly sensitive personal information (SSN, passwords, etc.)
- Confidential business information requiring strict non-disclosure
- Health information protected by HIPAA
- Attorney-client privileged communications
- Information subject to non-disclosure agreements
Information subject to non-disclosure agreements
- Do not share passwords or authentication credentials with the AI
- Avoid unnecessary disclosure of sensitive personal details
- Use the AI for general financial planning, not sensitive confidential matters
- Assume AI conversations could potentially be accessed in a breach scenario
Assume AI conversations could potentially be accessed in a breach scenario
- We will notify you of security breaches affecting AI data as required by law
- Incident response procedures include AI-specific protocols
- Report suspected security issues to [email protected]
SERVICE AVAILABILITY
SERVICE AVAILABILITY
No Uptime Guarantee:
- Best Effort: We strive for high availability but make no guarantees
- Downtime: AI services may be temporarily unavailable
- Maintenance: Scheduled maintenance may interrupt service
- Third-Party Dependencies: OpenAI outages affect our AI availability
Expected Availability:
- Target: 99% uptime (excluding scheduled maintenance)
- Peak Times: Service may be slower during peak usage
- Degradation: Performance may degrade under high load
Service Interruptions:
- Planned Maintenance: Announced in advance when possible
- Emergency Maintenance: May occur without advance notice
- Third-Party Outages: OpenAI outages are outside our control
No Critical Reliance:
- Not for Critical Use: Do not rely on AI availability for time-critical decisions
- Alternative Access: Ensure you can access Platform features without AI if needed
- Backup Plans: Have backup methods for urgent financial tasks
Backup Plans: Have backup methods for urgent financial tasks
CHANGES TO AI SERVICES
CHANGES TO AI SERVICES
Types of Changes:
- Model Updates: Upgrading to newer or different AI models
- Feature Changes: Adding, modifying, or removing AI capabilities
- Policy Updates: Changes to these AI Terms
- Integration Changes: Switching AI providers or adding new integrations
- Quota Adjustments: Modifying query limits and quotas
Notification of Changes:
- Material Changes: 30 days' notice for material changes affecting functionality
- Minor Changes: May be implemented without advance notice
- Policy Changes: Updated AI Terms posted with effective date
- Email Notification: Notification to registered email for significant changes
Your Options:
- Continued Use: Continued use constitutes acceptance of changes
- Opt-Out: Disable AI features if you disagree with changes
- Account Closure: Close your account if changes are unacceptable
Account Closure: Close your account if changes are unacceptable
INTELLECTUAL PROPERTY
INTELLECTUAL PROPERTY
Ownership of AI Outputs:
Your Inputs:
- You retain ownership of your queries and prompts
- You grant us license to process your inputs to provide services
- Your financial data remains your property
AI Outputs:
- Your Ownership: You own the specific AI-generated responses provided to you
- Limited License: You may use AI outputs for personal financial management
- Restrictions: You may not use AI outputs for commercial purposes or to create competing services
- No Exclusive Rights: We may generate similar responses for other users
Our Intellectual Property:
- AI System: Our AI implementation, prompts, and training is our proprietary technology
- Platform Integration: The integration of AI with Platform features is our intellectual property
- Trademarks: "XPlus Finance" and related marks are our trademarks
Third-Party IP:
- OpenAI: OpenAI owns intellectual property rights in their models and services
- Training Data: AI models are trained on copyrighted materials under various licenses
- Output Similarity: AI may generate outputs similar to copyrighted works
User Representations:
Output Similarity: AI may generate outputs similar to copyrighted works
- Your use of AI Services does not infringe third-party intellectual property
- You will not use AI outputs in ways that infringe copyrights or trademarks
- You will not attempt to extract or copy our proprietary AI implementations
MONITORING AND QUALITY ASSURANCE
MONITORING AND QUALITY ASSURANCE
What We Monitor:
- Conversation Quality: Sample conversations reviewed for quality assurance
- Error Rates: Tracking of AI errors and hallucinations
- User Satisfaction: Feedback and ratings on AI responses
- Abuse Detection: Monitoring for prohibited uses and policy violations
- Performance Metrics: Response times, completion rates, and system health
Purpose of Monitoring:
- Improve Accuracy: Identify and correct common AI errors
- Enhance Features: Develop new AI capabilities based on usage patterns
- Ensure Compliance: Verify compliance with policies and regulations
- Prevent Abuse: Detect and prevent misuse of AI services
- Customer Support: Assist with troubleshooting and support requests
Human Review:
- Sampling: Random sampling of conversations for quality review
- Flagged Content: Human review of conversations flagged by automated systems
- Support Requests: Review of conversations related to support tickets
- Legal Compliance: Review when required by legal or regulatory obligations
Legal Compliance: Review when required by legal or regulatory obligations
- Reviewers are bound by confidentiality agreements
- Access is limited to authorized personnel only
- Personally identifiable information is minimized when possible
- Reviews focus on AI quality, not user behavior (unless policy violations suspected)
REGIONAL COMPLIANCE
REGIONAL COMPLIANCE
GDPR (European Union):
- Lawful Basis: Processing based on contract performance and legitimate interests
- Data Subject Rights: Full GDPR rights apply to AI data (access, deletion, portability, etc.)
- Automated Decision-Making: Article 22 protections (see Section 10)
- Data Transfers: EU data processed with appropriate safeguards (Standard Contractual Clauses with OpenAI)
- DPO Contact: [email protected]
CCPA/CPRA (California):
- Right to Know: Access AI conversation data and processing purposes
- Right to Delete: Delete AI data (with legal exceptions)
- Right to Opt-Out: Opt-out of sale/sharing (we do not sell AI data)
- Non-Discrimination: No discrimination for exercising privacy rights
LGPD (Brazil):
- Legal Basis: Consent and legitimate interests
- Data Subject Rights: Access, correction, deletion, and portability
- International Transfers: Transfers to OpenAI comply with LGPD requirements
AI-Specific Regulations:
- EU AI Act (When Effective): Compliance with risk classification and transparency requirements
- Algorithmic Accountability: Disclosure of AI use in decision-making
- Bias Mitigation: Efforts to reduce bias in AI outputs
Bias Mitigation: Efforts to reduce bias in AI outputs
- Specific features may be unavailable in certain jurisdictions
- Local laws may impose additional restrictions or requirements
- We adapt AI Services to comply with applicable regional laws
CONTACT INFORMATION
Legal Entity:
XPlus Technologies LLC
Mailing Address:
100 East Pine Street, Suite 110
Orlando, FL 32801
United States
Email Contacts:
- General Inquiries: [email protected]
- Privacy Questions: [email protected]
- Security Issues: [email protected]
- Legal Matters: [email protected]
Governing Law:
These AI Terms shall be governed by and construed in accordance with the laws of the State of Florida, USA, without regard to its conflict of law provisions.
Jurisdiction:
Any disputes arising out of or relating to these AI Terms or the AI Services shall be resolved exclusively in the state or federal courts located in Orange County, Florida. You consent to the personal jurisdiction of such courts.
ACKNOWLEDGMENT AND CONSENT
ACKNOWLEDGMENT AND CONSENT
- You have read and understood these AI Terms in their entirety
- You understand the AI does not provide financial, legal, or tax advice
- You acknowledge AI limitations, including potential for errors and hallucinations
- You consent to your data being processed by OpenAI as described
- You understand conversation logging and retention practices
- You authorize the AI to execute actions on your behalf when requested
- You understand automated decision-making disclosures and your rights
- You accept query limits and quotas applicable to your subscription tier
- You agree not to use AI Services for prohibited purposes
- You accept liability limitations and disclaimers
- You understand context limitations and will verify critical information
- You agree to comply with these AI Terms and applicable laws
You agree to comply with these AI Terms and applicable laws
You agree to comply with these AI Terms and applicable laws
You agree to comply with these AI Terms and applicable laws
You agree to comply with these AI Terms and applicable laws