Purpose and scope
This policy sets out the intended use of NestiFi’s AI-assisted features and the responsibilities of people using them. It covers Seb, institution-facing assistants and family-facing educational and planning experiences.
Features and safeguards vary by product and deployment. This page is not a certification or a guarantee that a particular technical control is available. The applicable service agreement and product notice define the arrangements for an institution’s deployment.
How AI should be used
AI can help explain financial concepts, organise information, summarise documents and prepare draft family-review or planning materials. Institution staff should use these outputs as starting points for their own assessment. Families should use them for learning and exploration.
AI-generated content must not be treated as an authorised financial recommendation, a verified fact or an instruction to transact. Demonstrations and illustrative figures must not be mistaken for live customer records or promised outcomes.
Human review and financial decisions
A suitably authorised person must check material facts, sources, calculations, assumptions and suitability before using an AI-generated draft in a client communication or financial decision. A disclaimer or an automated confidence score does not replace that review.
Do not use NestiFi AI to make autonomous investment, credit, lending, insurance or other consequential eligibility decisions, or to initiate transfers or trades. Regulated advice and financial services remain the responsibility of the appropriately authorised institution or professional.
Review requirements are usage rules; they do not imply that every workflow includes an automated approval gate. Institutions should confirm the available approval and action restrictions before deployment.
Data and AI providers
An AI interaction may involve the question, conversation history and relevant context supplied to that feature. External model providers may process this information to generate a response. Application records, diagnostic logs and AI-provider retention are separate considerations.
Use only information you are authorised to provide and that is necessary for the task. Do not put passwords, access credentials, full payment-card details or unnecessary identity documents into a conversation. Confidential institution or family data should be used only in a deployment approved for that data.
Provider selection, processing locations, retention, deletion and model-training restrictions must be confirmed for the specific service. This page does not make a blanket zero-retention or no-training claim. Request the applicable provider and data-processing information before sharing sensitive data, and read our Privacy Notice.
Access, families and children
Institutions should define which staff and family members may access a feature, which records it can use and which actions it may support. Access restrictions need to be verified for the particular deployment; selecting a role or permission in a demonstration is not evidence of enforcement.
Child-facing uses require an age-appropriate experience, appropriate adult oversight and any required parental authorisation. Do not use AI to pressure children into purchases or investments, profile them for advertising, or make consequential decisions about them.
Accuracy, sources and limitations
AI can invent information, misunderstand context, reflect bias or rely on outdated material. A citation may be incorrect or may not support the conclusion. Verify important statements against the original source and check that information is current for the relevant jurisdiction.
Review calculator inputs, formulas and assumptions separately from AI explanations. Illustrations are not forecasts or guarantees. Where an answer cannot be verified, seek help from the institution or a qualified professional rather than relying on it.
Oversight and changes
Our governance approach calls for a named owner for each AI use case, a record of the data and providers involved, evaluation before release, and review when models, prompts or permissions change. The supporting processes and evidence are being formalised; this is not a claim that every control has been independently assessed.
Institutional reviews should cover incorrect financial outputs, inappropriate responses to minors, disclosure of another family’s information and attempts to override instructions. Ask NestiFi which safeguards have been tested for the product you are evaluating and what limitations remain.
Acceptable use and reporting concerns
Do not use AI features to deceive, impersonate, discriminate unlawfully, bypass access restrictions, expose another person’s information or generate misleading financial promotions.
If a response appears unsafe or incorrect, stop relying on it and contact your institution or support@nestifi.money. Include the feature, approximate time and a brief description. Do not email sensitive financial records or credentials; request a suitable channel if more detail is needed.
For institutional questions about AI governance or deployment arrangements, contact sales@nestifi.money.
Ownership and related documents
This policy is published by NestiFi Technologies Limited. Version 1.0 is effective from 7 October 2026. We will update this page when the policy changes and show the date of the latest revision.
Read this alongside our Terms of Use, Privacy Notice and Disclosures. It does not replace a customer agreement, product-specific notice or the institution’s own responsibilities.