AI Features and Automated Output

1. Where Automated Systems Are Used

The third column says what each feature is built and reviewed not to do. It is a description of how Banrox designs and checks these features, not a guarantee about every output a machine will ever produce. Section 3 explains why that distinction matters and what you should do about it.

2. Two Commitments

Banrox does not make credit decisions. Banrox does not approve, deny, price, or underwrite any loan, card, deposit account or insurance policy, and no automated system on Banrox is built to do any of those things. Lenders and issuers make those decisions with their own systems, and they owe you their own notices when they do. The one automated decision Banrox does make about you is the account decision described below, and Banrox states it rather than deny that any such decision exists. If you think a Banrox feature has done something a lender would do, tell Banrox at [email protected] and Banrox will look at it.

You can reach a person. If an automated answer is wrong, unhelpful, or you simply want a person, email [email protected] or call (888) 888-6401. Banrox does not design any flow to keep you inside a chatbot loop. If you cannot get to a person, that is a defect and Banrox wants to hear about it.

There is one automated check that can affect you at Banrox, and this page used to deny it. Banrox uses an identity verification service and a fraud score to decide whether to open or keep a Banrox account, and Section 3 of the Terms of Service allows Banrox to refuse or end access after a failed identity check. That is a decision about you in which an automated system takes part. It is a decision about a Banrox account and nothing else: it does not decide credit, and it is not reported to anyone. If Banrox refuses or closes your account for that reason, Banrox will tell you in writing, will name the company whose information was used, and will tell you how to get a free copy of that information and how to dispute it. You can ask for a person to look at the decision by writing to [email protected]. What that notice must contain is set out at Credit Data and Your FCRA Rights.

3. Why You Should Check the Output

Automated text generation can be confidently wrong. It can state a rule that has changed, cite a source that does not say what it appears to say, or produce a number that looks plausible and is not. No one can promise that a generative model will never invent a figure, and Banrox does not make that promise. What Banrox can do is put a person between the model and anything Banrox publishes, and that is what the last row of the table in Section 1 describes. Where an automated system produced what you are looking at inside a tool, that output is meant to carry a label saying so. If you find generated output with no label, that is a defect, and telling Banrox gets it fixed.

• Do not send a generated letter without reading every line of it and correcting the facts.
• Do not treat a generated summary of a rule as legal advice. It is a starting point for a question, not an answer.
• Check any figure against the provider's own disclosure before you act on it.
• Tell us when output is wrong at [email protected]. Reports change what we fix first.

4. Documents Lab

Documents Lab produces drafts. A draft is not a filing, not a submission, and not a legal document until you read it, correct it, sign it where required, and send it yourself.

• Documents Lab is free to every Banrox user, including users on no paid plan. Banrox does not charge for it, does not bundle it into the price of any paid plan, and does not make any paid plan more valuable because it includes Documents Lab. If that ever changes, this page will say so before the change takes effect.
• Documents Lab does not generate credit report dispute letters, credit bureau dispute forms, goodwill or pay for delete letters, debt validation letters, or any other document whose purpose is to change what appears in your credit file. Banrox does not sell that service, does not include it in any paid plan, and does not intend to build it.
• Disputing an error on your credit report is free and you can do it yourself in about twenty minutes. The step by step route, including the bureau addresses and phone numbers, is published free to everyone at Credit Data and Your FCRA Rights. You do not need a Banrox account, a paid plan, or any product to use it.
• Banrox does not send letters for you, does not represent you before any company or agency, and does not practise law. Nothing in Documents Lab creates an attorney client relationship.
• Banrox does not dispute anything on your behalf and does not charge for dispute help.
• You own what you produce. You are responsible for what you send.

5. What Happens to What You Type

Text you enter into a Banrox tool is used to produce your result, to run and secure the feature, and to fix faults. Two companies outside Banrox take part in that. OpenAI runs the model behind the credit card marketplace assistant. Anthropic runs the model behind the internal tools Banrox staff use and behind part of how identity alerts are ranked. Both are named, with what each receives, at Service Providers and Data Recipients. Banrox sends each of them only the text needed for the task, and Banrox does not send your Social Security number, your credit report, or your payment details to either company.

Banrox does not use your personal information or the contents of your documents to train a general purpose model, does not sell them, and has not agreed to any terms that permit either company to train a general purpose model on what Banrox sends. Banrox has not audited either company and cannot see what happens inside one, so the honest limit is this: do not paste into any Banrox tool anything you would not be willing to have an outside company receive.

Do not paste another person's information into any tool. Retention is set out in the Privacy Policy. You can delete your inputs from a feature where the feature gives you a delete control, and you can ask Banrox to delete them at any time by writing to [email protected], which Banrox will do whether or not the control exists yet.

6. Quizzes, Scores and Estimates

A quiz result, a risk grade, or an exposure estimate is an educational illustration produced from the answers you gave. It is not a measurement of your actual risk, not a prediction, and not a professional assessment. Where a result is designed to create urgency, that is a design failure and we want to hear about it. Calculator methodology is at Marketplace, Rates and Calculator Methodology.

7. Ownership of Output

As between you and Banrox, you own the output a tool produces from your inputs, and you may use it for any lawful purpose. Banrox makes no representation that output is original, that it does not resemble output produced for another person, or that using it does not infringe anyone's rights. The Banrox templates, prompts, rubrics and the software itself remain ours. See Copyright, DMCA and Trademarks.

8. Limits

These features are provided as is under Section 17 of the Terms of Service, and the limitation of liability in Section 18 applies. Automated features can be withdrawn, changed, or rate limited at any time. Where a feature is labelled beta, Section 15 of the Terms applies to it as well. Nothing in Section 17 or Section 18 takes away a right this page gives you, and nothing on this page is offered as a warranty or a guarantee of how any automated system will behave.