Artificial Intelligence Policy

Introduction

"We", "Us", "Our" recognizes the transformative potential of Artificial Intelligence (AI) in revolutionizing financial services. As we integrate AI technologies into our platform, we remain committed to responsible deployment that prioritizes user interests, transparency, and data security. This policy outlines our approach to AI implementation, governance framework, and commitment to ethical practices.

Scope

This Artificial Intelligence Policy applies to all AI technologies and systems deployed by Raise AI Possibilities, including but not limited to machine learning models, natural language processing, predictive analytics, and algorithmic trading systems integrated within the Raise AI Possibilities Platform and Products (website, mobile application, and related services).

Our AI Principles

1. User-Centric Innovation

We develop and deploy AI technologies with the primary goal of enhancing user experience, expanding access to financial services, and providing personalized insights while respecting user autonomy and privacy.

2. Fairness and Non-Discrimination

Our AI systems are designed to operate fairly across different user segments. We implement rigorous testing to identify and mitigate potential biases in our algorithms that could lead to unfair treatment or discrimination.

3. Security and Privacy by Design

We integrate robust security measures and privacy protections into our AI systems from their conception, ensuring compliance with applicable data protection regulations and industry best practices.

4. Human Oversight

While leveraging automation, we maintain appropriate human oversight of AI systems to ensure accountability and to intervene when necessary, particularly for consequential financial decisions.

Legal Framework and Compliance

Data Governance

1. Data Collection and Processing: All data used for AI training and operation is collected and processed in accordance with our Privacy Policy. We only process data for legitimate purposes with appropriate legal basis.
2. Data Quality and Integrity: We implement measures to ensure the accuracy, completeness, and reliability of data used by our AI systems.
3. Data Minimization: We adhere to the principle of data minimization, collecting and retaining only the information necessary for the intended AI functionality, feedback and performance improvement
4. Data Security: We implement industry-standard technical and organizational measures to protect data used in AI systems from unauthorized access, disclosure, alteration, or destruction.

User Controls and Choices

Users maintain control over their interaction with AI features on the Dhan Platform:

1. Feedback Mechanisms: We provide clear channels for users to submit feedback on AI performance and outcomes.

Intellectual Property and Third-Party AI

1. Proprietary AI Systems: AI systems developed by Raise AI Possibilities are our intellectual property, protected under applicable intellectual property laws.
2. Third-Party AI Integration: When integrating third-party AI technologies, we ensure they meet our standards for security, privacy, and ethical operation through rigorous evaluation and contractual safeguards.
3. Third-Party restrictions: All other third party restrictions apply, as per our User Terms and Conditons.
4. Model Training Restrictions: Users agree not to use our AI-generated outputs to train other AI or machine learning models, in alignment with our Terms and Conditions.

Continuous Improvement

We are committed to continuously improving our AI systems through:

1. Regular Performance Evaluation: Systematic assessment of AI systems against established metrics for accuracy, fairness, and effectiveness.
2. User Feedback Integration: Incorporation of user feedback to enhance AI performance and address potential issues.
3. Research and Development: Ongoing investment in AI research to develop more sophisticated, reliable, and user-centered AI technologies.
4. Staff Training: Regular training for staff involved in AI development, deployment, and oversight to ensure awareness of best practices and ethical considerations.

Incident Response

In the event of AI system malfunctions, biased outputs, or security incidents:

1. Immediate Mitigation: We will take prompt action to address and mitigate any negative impacts.
2. Investigation: We will conduct thorough investigations to identify root causes and implement corrective measures.
3. Transparent Communication: We will communicate clearly with affected users about significant incidents and remedial actions.
4. Regulatory Reporting: We will report incidents to regulatory authorities as required by applicable laws and regulations.

User Rights and Responsibilities

User Rights

Users have the right to:

1. Transparency: Receive clear information about how AI systems influence their experience.
2. Explanation: Request explanations for significant AI-driven decisions affecting their investments or account.
3. Data Protection: Exercise their data protection rights in accordance with our Privacy Policy and applicable laws.

User Responsibilities

Users are responsible for:

1. Informed Decision-Making: Making final investment decisions based on their own judgment, using AI-generated recommendations as supplementary information only.
2. Accuracy Verification: Verifying the accuracy and relevance of AI-generated information before acting upon it.
3. Appropriate Use: Using AI features in accordance with our Terms and Conditions and this AI Policy.

Acceptable Use Policy

You are responsible for all content associated with your use of our AI features and systems. You acknowledge that our AI systems can make mistakes or provide incorrect outputs, and it is your responsibility to verify the accuracy of AI-generated content before taking any action based on it.

You agree that you will not use any of our AI features to:

1. Generate Misleading Content: Create or disseminate content that is misleading, fraudulent, deceptive, or could lead to financial harm.
2. Circumvent Platform Rules: Attempt to bypass our platform's rules, risk management systems, or security measures.
3. Generate Harmful Financial Advice: Create content that encourages high-risk trading behaviors, market manipulation, or other potentially harmful financial activities.
4. Impersonate Others: Mislead anyone that AI-generated content is human-generated or comes from specific financial experts or authorities.
5. Discriminatory Uses: Generate content that discriminates against any individual or group based on protected characteristics.
6. Legal, Financial or Professional Advice: Provide specific legal, tax, or specialized financial advice that could cause harm if followed.
7. Violate Intellectual Property Rights: Generate content that infringes on the intellectual property rights of others.
8. Automated Trading Abuse: Deploy automated trading strategies that could disrupt market functioning.

No Model Training

When using our AI features, you agree that you will not use them to train other AI or machine learning models. Specifically, you must not, and must not allow third parties to, use any content, data, or other information received or derived from our AI systems to directly or indirectly create, train, test, or improve any machine learning algorithms or artificial intelligence systems, including any architectures, models, or weights.

This restriction applies to all outputs generated by our AI systems, including but not limited to market analysis, investment insights, news summaries, and responses from our virtual assistant.

Limitations of Liability

In accordance with our Disclaimers and Terms & Conditions:

1. We do not guarantee the accuracy, completeness, or reliability of any AI-generated output.
2. We are not liable for investment losses resulting from decisions made based on AI-generated recommendations.
3. We do not accept liability for any direct, indirect, incidental, or consequential damages arising from the use of our AI features.

Users acknowledge that all AI systems have inherent limitations and that financial markets involve inherent risks that cannot be eliminated through technology.

Policy Updates

We will review and update this AI Policy periodically to reflect technological advancements, regulatory changes, and evolving best practices. Material changes to this policy will be communicated to users through appropriate channels. All terms and provisions of this AI Policy, including any updates or amendments, are applicable to all users of the Dhan Platform, both existing and new, with immediate effect from the date of publication, unless explicitly stated otherwise.

Conclusion

At Dhan, we believe that responsible AI implementation can significantly enhance the financial services experience, democratize access to sophisticated financial tools, and empower users to make more informed investment decisions. By adhering to ethical principles, robust governance frameworks, and legal requirements, we aim to realize the benefits of AI while mitigating potential risks.

We invite users to provide feedback on our AI implementations and this policy as we continue to evolve our approach to artificial intelligence in financial services.

For questions or concerns regarding this AI Policy, please contact us at: Raise AI Possibilities Private Limited
E-mail ID: support@askfuzz.ai
Address: Unit No. 2201, 22nd Floor, Gold Medal Avenue, S.V. Road, Beside Patel Petrol Pump, Piramal Nagar, Goregaon West, Mumbai - 400104