AI Governance Policy

My Money Vision's policies and procedures for responsible AI development, deployment, and oversight.

Document Version: 1.1 | Effective Date: December 4, 2025 | Last Reviewed: December 4, 2025

1. Purpose and Scope

This AI Governance Policy establishes the framework for responsible development, deployment, and oversight of artificial intelligence technologies at My Money Vision. It ensures our AI systems operate ethically, transparently, and in compliance with applicable regulations.

This policy applies to:

All AI-powered features within the My Money Vision platform
AI tools used in content development and creation
Third-party AI services integrated into our systems
All employees and contractors who develop, deploy, or manage AI systems

2. AI Technologies in Use

2.1 Production AI Features

Course Chatbot Assistant

Technology: Google Gemini 2.5 Flash (Natural Language Processing)
Purpose: Answer student questions about course materials
Scope: Limited to enrolled course content only
Limitations: Cannot provide financial, investment, or personalized advice

2.2 AI-Assisted Content Creation

AI tools may be used to assist in drafting educational content. All AI-generated content is:

Reviewed and edited by qualified human subject matter experts
Fact-checked for accuracy before publication
Aligned with our educational standards and curriculum guidelines
Final approval authority rests with human content reviewers

2.3 Development Tools

AI-assisted development tools may be used during software development. These tools do not have access to customer data and are used solely for code development purposes.

3. Ethical AI Principles

My Money Vision is committed to the following ethical principles in AI development and deployment:

Transparency

Users are informed when interacting with AI systems. AI identifies itself as an AI assistant.

Fairness

AI systems are designed to treat all users equitably without discrimination.

Accountability

Clear ownership and responsibility for AI system outcomes and decisions.

Human Oversight

AI supports human decision-making but does not replace human judgment on critical matters.

4. AI Data Handling

4.1 Data Minimization

AI systems only receive data necessary for their specific function:

User's first name (for personalized responses)
Conversation history (for context continuity)
Relevant course content (for accurate answers)

4.2 Data NOT Sent to AI

• Financial information or account details
• Social Security numbers or government IDs
• Payment card information
• Passwords or authentication credentials
• Sensitive personal identifiers beyond first name

4.3 Conversation Storage

AI conversations are stored for quality assurance and compliance purposes
Conversations are associated with user accounts for continuity
Users may request deletion of their conversation history
Data retention follows our standard data retention policies

4.4 Model Training

My Money Vision does not train custom AI models on user data. We use pre-trained models from Google (Gemini) with course content provided as context. User conversations are not used to train or fine-tune AI models.

5. AI Safety & Security

5.1 Input Validation

Restricted word filtering to prevent inappropriate content
Input length limits to prevent abuse
Rate limiting (15 requests per minute per user)
Authentication required for all AI interactions

5.2 Output Guardrails

System prompts prohibit financial advice, investment recommendations
AI identifies itself as an AI assistant in responses
AI acknowledges limitations and defers to human advisors
Responses limited to enrolled course content scope

5.3 Security Controls

JWT authentication required for all AI API calls
Conversation ownership validation
API keys stored as encrypted secrets
All AI calls made server-side (not client-side)

6. Bias Prevention & Fairness

My Money Vision takes the following measures to prevent bias and ensure fairness in AI systems:

Scope Limitation

AI is restricted to educational content, not personal advice or decisions

No Automated Decisions

AI does not make decisions affecting user access, grades, or outcomes

Content Review

AI-assisted content is reviewed by humans for accuracy and appropriateness

Vendor Selection

We use AI models from reputable providers with documented bias testing

7. Human Oversight

Human oversight is maintained at multiple levels:

Area	Oversight Mechanism
Content Creation	Human review and approval before publication
Chatbot Responses	Conversation logging for quality review
System Prompts	Defined and maintained by development team
User Concerns	Escalation path to human advisors/support
Policy Updates	Annual review by leadership team

8. AI Incident Response

In the event of AI-related issues (e.g., inappropriate responses, security concerns, bias incidents):

1. Detection & Reporting

Users can report AI issues via support channels. Automated monitoring for anomalies.

2. Assessment

Technical team investigates severity, scope, and root cause.

3. Containment

AI features can be disabled if necessary to prevent harm.

4. Remediation

Update system prompts, guardrails, or disable problematic features.

5. Documentation

Incident documented with lessons learned and preventive measures.

9. Regulatory Compliance

My Money Vision's AI systems are designed with regulatory compliance in mind:

Financial Regulations: AI explicitly prohibited from providing investment advice or personalized financial recommendations
Data Privacy: AI data handling complies with privacy regulations (data minimization, purpose limitation)
Consumer Protection: Clear disclosure of AI nature and limitations
Record Keeping: Conversation logs maintained for compliance audits

10. Third-Party AI Providers

My Money Vision uses AI services from the following providers:

Google (Gemini)

• Enterprise-grade security and compliance
• SOC 1/2/3 and ISO 27001 certified
• Data processing agreement in place
• User data not used for model training

Third-party AI providers are evaluated for security, privacy, and ethical AI practices before integration. Regular reviews ensure continued compliance.

11. Policy Review and Updates

This AI Governance Policy is reviewed and updated:

At least annually
When new AI features are introduced
When significant changes to AI technology occur
After AI-related incidents
When regulatory requirements change

Policy Certification

This AI Governance Policy has been reviewed and approved by My Money Vision leadership.

Effective Date: December 4, 2025

Next Review Date: December 4, 2026

For questions about this AI governance policy, please contact info@mymoneyvision.com