Platform · Trust
AI & data governance
Growth OS and Design Studio use AI to assist configuration, content drafting, and engagement. This page summarizes principles intended to keep that assistance aligned with consent, privacy, human oversight, and the separation between marketing tools and regulated financial decisions.
Customer consent & preferences
Communications and data uses should reflect user preferences, applicable consent requirements, and program configuration. Channels such as email, SMS, push, and advertising are subject to jurisdiction-specific rules.
Data minimization
Profiles should be built from information members provide and data they authorize programs to use, not from unbounded collection. Programs configure what data sources are connected.
Authorized sources only
Customer intelligence and journey tools are designed to use authorized program data and partner-provided signals, processed in accordance with applicable privacy laws and partner agreements.
Human oversight
AI assists organizations in recommending and automating communications based on administrator-defined rules and available customer data. Humans and configurable policies remain in the loop for campaign setup and content approval.
Not the sole basis for regulated decisions
Scoring, predictions, and next-best suggestions are for marketing and engagement improvement. They are not used as the sole basis for credit approval or other regulated decisions, those rest with licensed partners.
Informational AI only
Member-facing and operator AI tools provide informational assistance only and should not be considered financial, legal, tax, credit, investment, or medical advice.
Explainability & controls
Administrators should be able to understand why audiences and campaigns are recommended, adjust rules, pause automation, and review AI-drafted content before distribution, especially for regulated products.
Security & retention
Data protection, access controls, and retention practices follow program and partner requirements. Retention periods and subprocessors are defined per implementation.
What this is, and is not
- · Growth OS does not independently approve credit, open deposit accounts, or execute regulated underwriting.
- · Organizations remain responsible for reviewing AI-generated marketing content before it is sent.
- · Implementation details (subprocessors, retention, DPIAs, model inventory) are defined per production program with partners and counsel.
- · Demo environments and Studio previews are illustrative and may not reflect live data processing.
Related: Help Centre · Platform