Data Transparency Policy

1. What Our Data And AI Does

Our AI tools may:

• Provide general downsizing guidance
• Summarise information
• Generate scenario planning insights
• Display property value estimates (from third-party data providers)
• Assist users in comparing service providers

These tools are designed to support decision-making — not replace professional advice.

2. What Our AI Does NOT Do

Our AI does not:

• Provide financial advice
• Provide legal advice
• Provide tax advice
• Recommend that you sell or purchase property
• Recommend one specific provider over another
• Act as a licensed real estate agent

3. Property Value Estimates

Where property value estimates are displayed:

• They are sourced from third-party data providers
• They are automated and algorithmic
• They are indicative only
• They are not formal valuations
• They may not reflect current market conditions

You should seek a licensed professional for a formal valuation.

4. How AI Generates Outputs

AI outputs are generated using:

• User-provided information
• Platform data
• Third-party datasets
• Statistical modelling

AI systems rely on patterns and probabilities. They may produce incomplete or inaccurate outputs.

5. Human Oversight

While our systems are automated:

• We monitor for misuse or anomalies
• We regularly review system performance
• We update systems to improve reliability

However, AI outputs are not individually reviewed before being presented.

6. Limitations of AI

AI systems:

• May contain errors
• May rely on outdated data
• May not capture unique personal circumstances

Users should independently verify important information.

7. Data Usage

AI tools may use:

• Information you input
• Anonymised behavioural data
• Aggregated platform statistics

We do not:

• Sell your personal information
• Use your data to train external AI systems without consent

All data use is governed by our Privacy Policy.

8. Automated Decision-Making

Our AI tools support decision-making but do not:

• Make legally binding decisions
• Automatically approve or reject financial products
• Replace professional human judgement

Final decisions remain with users and service providers.

9. Regulatory Position

iDownsize:

• Is not licensed under a credit licence in connection with property value tools;
• Does not provide financial product advice;
• Operates as a planning and introduction platform.

10. Your Responsibility

By using AI tools on the Platform, you acknowledge:

• Outputs are informational only;
• You will seek independent advice where appropriate;
• You remain responsible for decisions made.