AI Copilot Terms of Use

1. Definitions

In these Terms of Use (“Terms”):

• “Company”, “we”, “us”, or “our” means Sybil Pte Ltd.
• “AI Copilot” means the AI-powered assistant features in the QuantQuest platform, including the Engagement Copilot, Client Copilot, Insurance Analysis, Knowledge Pack, and related AI-assisted tools.
• “Adviser”, “you”, or “your” means the financial adviser or representative using the AI Copilot through their QuantQuest account.
• “Client Data” means personal data and financial information of your clients processed by the AI Copilot, including names, financial records, insurance policies, net worth data, and uploaded documents.
• “AI Output” means any text, analysis, summary, draft, or other content generated by the AI Copilot.
• “LLM” means the third-party large language model used to generate AI Outputs.
• “Knowledge Pack” means the adviser-curated library of product reference material you upload for the AI Copilot to reference.

2. Introduction

These Terms govern your use of the AI Copilot. They supplement the QuantQuest Platform Terms of Service. Where these Terms conflict with the Platform Terms with respect to AI Copilot use, these Terms prevail.

3. Nature of the AI Copilot

The AI Copilot is a technology tool that helps financial advisers organise data, analyse information, and manage client work. You acknowledge:

• Sybil Pte Ltd is a technology company, not a licensed financial advisory firm.
• The AI Copilot is a decision-support tool. It does not provide financial advice, product recommendations, investment opinions, or suitability assessments.
• AI Outputs may contain errors, inaccuracies, hallucinations, or outdated information.
• The AI Copilot organises and summarises data you and your clients enter. It does not independently verify that data.
• You must independently verify AI Outputs before relying on them or sharing them with clients.
• The AI Copilot does not replace your professional judgment, training, or regulatory obligations.

4. Professional Responsibility

You acknowledge:

• You retain full professional and regulatory responsibility for all advice, recommendations, and decisions made for your clients, regardless of whether AI Outputs informed those decisions.
• You bear sole responsibility under Financial Advisers Act section 36 and Regulation 18B for forming the reasonable basis for any advice or recommendation given to your clients, regardless of whether AI Outputs informed your analysis.
• You are responsible for critically evaluating AI Outputs and applying independent professional judgment before acting on them.
• You will not present AI Outputs to clients as your finalised professional analysis without first reviewing and adapting them.
• Your use of the AI Copilot does not reduce your obligations under the FAA, the Financial Advisers Regulations, the MAS Guidelines on Fair Dealing, or any other applicable laws and regulations.
• In line with MAS FEAT Principle 8, you remain accountable for AI Outputs whether the AI was developed internally or by a third party.

5. AI Copilot Operating Modes

QuantQuest operates in two modes. No other operating mode exists or can be activated.

• (a) Mode A — General Analysis. Where no Knowledge Pack is active in the session, QuantQuest provides general financial analysis only. QuantQuest will refuse product-specific discussion and will not identify, compare, or comment on any specific investment product.
• (b) Mode B — Knowledge Pack Retrieval. Where a Knowledge Pack is active in the session, QuantQuest retrieves and surfaces content from the Knowledge Pack only in response to an explicit @-mention by you referencing a specific item in that Knowledge Pack. QuantQuest does not rank, shortlist, recommend, promote, fuzzy-match, or otherwise infer references from the Knowledge Pack. Every @-mention is logged against your session. An @-mention in one turn is not carried forward to subsequent turns; each reference must be re-stated.

Sybil does not provide, and does not purport to provide, financial advice or recommendations on any investment product within the meaning of the Financial Advisers Act 2001 or Notice FAA-N16. In all modes, AI Outputs are decision-support analysis only. You remain the licensed financial adviser and bear sole responsibility under FAA section 36 / Regulation 18B for any advice or recommendation communicated to your clients.

6. Data Processing

7. PDPA Compliance

With respect to the Personal Data Protection Act 2012 (“PDPA”):

• Sybil Pte Ltd acts as a data intermediary processing Client Data on your behalf for the purpose of providing the AI Copilot service.
• You are responsible for obtaining the necessary consents from your clients for the processing of their personal data through AI services.
• You must inform your clients that AI-assisted technology supports your work, in line with MAS FEAT Principle 12 (proactive disclosure of AI use).
• We recommend including AI processing disclosure in your client engagement agreements or fact-find consent forms.
• You must promptly notify us of any client access, correction, or consent-withdrawal request affecting data processed by the AI Copilot.
• Where Client Data is processed outside Singapore, you are responsible for ensuring your compliance with the PDPA Transfer Limitation Obligation (section 26). Details of our AI service providers and jurisdictions of processing are available on request (section 6.2) to support your assessment.

8. Data Breach Notification

If we become aware of a data breach affecting Client Data:

• We will notify you without undue delay and in any case within 24 hours. Where there is credible indication of a breach, we target notification within 1 to 4 hours so you can meet your downstream obligations.
• We will provide enough information for you to assess the breach and meet your own notification obligations under the PDPA (PDPC notification within 3 calendar days of your assessment of notifiability) and under MAS Notice FSM-N23 (MAS notification within 1 hour of discovery of relevant cyber incidents).
• You acknowledge that certain categories of Client Data — including life, accident, and health insurance information, and medical information — are prescribed under the PDPA Breach Notification Regulations as triggering automatic mandatory PDPC notification if involved in a breach with identifiable individuals.
• You are responsible for maintaining your own breach response plan and notifying affected clients, the PDPC, and MAS as required.

9. Acceptable Use

You will NOT:

• Treat AI Outputs as a substitute for your own professional assessment of client needs and suitability.
• Present AI Outputs to clients as finalised professional advice without prior review and adaptation.
• Enter NRIC numbers, FIN numbers, passport numbers, birth certificate numbers, bank account numbers, or credit/debit card numbers into the AI Copilot. These identifiers are not required for AI analysis.
• Enter personal data of individuals who have not consented to AI processing.
• Attempt to extract, reverse-engineer, or manipulate the AI system through prompt injection, jailbreaking, or other adversarial techniques.
• Use the AI Copilot to generate content that is misleading, discriminatory, or unlawful.
• Rely solely on AI-generated coverage analysis, gap assessments, or financial summaries without independent verification.
• Use the AI Copilot for purposes outside your financial advisory practice.

10. Insurance Document Processing (OCR)

The AI Copilot can process uploaded insurance documents via OCR and AI-assisted data extraction. You acknowledge:

• Uploaded documents may contain sensitive information including medical history, health declarations, and policy exclusions.
• You must obtain client consent before uploading their insurance documents for AI processing.
• Extracted data should be reviewed for accuracy before being saved. AI extraction may misread, omit, or misinterpret content.
• Documents are processed securely and are not retained by the LLM provider after processing is complete.

11. Knowledge Pack

The Knowledge Pack lets you upload reference documents to a private, adviser-scoped library that the AI Copilot can reference. This can include both generic product materials (for example, insurer brochures and product summaries) and client-specific documents (for example, your client's benefit illustration, fact-find, or policy schedule). You acknowledge:

• For client-specific uploads, the named client should have consented to AI-assisted processing under your firm's documentation (see section 7). Keep each upload scoped to the named client.
• As with any AI Output, you remain accountable for your Financial Advisers Act section 36 reasonable-basis obligation (see section 4). Verify factual and numerical content from Knowledge Pack analyses before using it with a client.
• An automated classifier runs on upload and routes client-specific documents through stricter processing.
• Knowledge Pack content is strictly per-adviser scoped. No other adviser, and no client, can access your Knowledge Pack.
• AI Outputs that reference Knowledge Pack may contain extraction errors, including OCR misreads of monetary values, benefits, or exclusions. Verify all numerical and benefit-related statements against original source documents before client communication.
• A SHA-256 audit hash is recorded with each AI response that references your Knowledge Pack, enabling forensic reconstruction of the exact reference state at generation time.

12. AI Output Disclaimers

All AI Outputs in the AI Copilot are accompanied by persistent disclaimers. You agree:

• These disclaimers form part of these Terms.
• Removal or circumvention of these disclaimers is prohibited.
• If you share or export AI Outputs (in reports, client communications, or otherwise), you should include appropriate caveats about the AI-assisted nature of the content.

13. Intellectual Property

All platform features, AI models, prompts, safety systems, and other technology provided through the AI Copilot remain the intellectual property of Sybil Pte Ltd. You are granted a limited, non-exclusive, non-transferable licence to use the AI Copilot solely to support your financial advisory practice through the QuantQuest platform. Client Data you input remains yours. AI Outputs generated from your Client Data may be used by you without restriction, subject to the accuracy caveats in these Terms.

14. Disclaimers and Limitation of Liability

15. Indemnification

You agree to indemnify, defend, and hold harmless Sybil Pte Ltd, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from:

• Your use of the AI Copilot and reliance on AI Outputs.
• Your violation of these Terms.
• Any financial advice, recommendations, or decisions you make using AI Outputs.
• Any claim by your clients related to AI-assisted analysis or outputs.
• Your failure to obtain necessary client consents for AI data processing.
• Any breach of FAA section 36 / Regulation 18B obligations.
• Any regulatory action arising from your use of AI Outputs in your advisory practice.

16. Modifications to Terms

We may modify these Terms at any time. Material changes will require you to re-accept the updated Terms through the AI Copilot consent flow before continuing to use the service. The version number and effective date will be updated. Your acceptance of updated Terms is recorded with a new timestamp and version number.

17. Termination

We may suspend or restrict your access to the AI Copilot if you breach these Terms. You may stop using the AI Copilot at any time by disabling it through your account settings (Smart Assistant toggle). Termination of your QuantQuest subscription terminates your access to the AI Copilot. On termination, conversation history is handled in accordance with section 6.3.

18. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Republic of Singapore. Any dispute arising out of or in connection with these Terms is subject to the exclusive jurisdiction of the courts of Singapore.

19. Contact

For questions about these Terms or the AI Copilot:

20. Acknowledgment

By accepting these Terms through the AI Copilot consent flow, you acknowledge you have read, understood, and agree to be bound by these Terms of Use. You further acknowledge that the AI Copilot is a technology tool that does not provide financial advice, that you retain full professional responsibility for all client-facing advice and decisions, and that you will ensure compliance with the PDPA and all applicable regulations when using AI Outputs.