Purpose of this statement
This statement explains where Affordit may use AI or other automated systems, how those systems differ from the deterministic calculation rules, and what choices users have when an output is unclear or appears wrong.
AI should support understanding. It must not silently become the decision-maker or replace the user’s control over a plan.
Where automated systems may help
Affordit may use automated systems to help explain information in plain language, classify support requests or support non-critical product functions. Core affordability calculations and deterministic verdict rules are identified separately.
When an AI-supported explanation is used, the context should be limited to information needed for the question. The model should receive structured plan context rather than unrestricted access to Affordit records.
Deterministic calculations and previews
Affordability scores, monthly contribution requirements and scenario calculations are produced by documented calculation logic rather than generated by a language model.
Where Affordit shows a possible change, the calculation is performed by an approved deterministic tool. The AI layer may explain the result, but it cannot silently save, update or delete a plan.
What automated systems do not decide
Automated systems do not make lending, admissions, employment or other legally significant decisions. Suggested plan changes remain previews until a user explicitly chooses to apply them.
They must not recommend a specific provider or regulated financial product, create a subscription, access another user’s records or perform unrestricted database actions.
Information and model training
Personal information must not be used to train third-party foundation models unless Affordit has explicitly approved, documented and disclosed that use. Provider settings and contracts require confirmation before this statement is approved.
Raw questions, responses, financial values and personal identifiers should not be sent to product analytics. Operational logs should be minimised and should not expose plan contents, access tokens or secrets.
Testing and challenge
Outputs are tested for accuracy, bias, harmful financial guidance, safeguarding risk and over-reliance. Users can report an output, ask why it appeared and request a human review through support.
Evaluation should cover missing data, high-pressure scenarios, young and vulnerable users, regulated-advice requests, ownership attacks and attempts to override system boundaries.
Confidence and limitations
Where guidance includes a confidence indicator, it should reflect the completeness and consistency of the available plan data, not certainty about the future. Missing costs or assumptions should lower confidence and be explained.
An explanation may still be incomplete or wrong. Users should check important facts and seek an appropriate specialist where a decision requires regulated or individual advice.
Questions or concerns
Contact the monitored Affordit support route. Include the affected page, but do not send passwords, card details, bank details, identity documents or unnecessary financial information.
Contact Affordit support