AI Disclosure

Last updated: November 10, 2026

This page explains where factual.money uses artificial intelligence, what it does and does not do, and what that means for you.

1. Where we use AI

  • Ask Factual.Money: answers to your questions are written by third-party AI models that search the web and cite their sources.
  • Valuation: AI models collect reported figures (such as revenue, cash flow, debt and share count) and the latest price from public sources. They do not calculate the valuation.
  • Factual Money Briefing: AI models search recent filings and news about the companies in your watchlist and write the summary.
  • Notes and the value range calculations do not use AI.

2. Calculated versus generated

Every number in Valuation (intrinsic value range, margin of safety, implied growth, asymmetry, returns on capital and moat evidence) is calculated by our software, with formulas that are explained on the page, from the collected figures and your assumptions. Text in Ask Factual.Money and in the Briefing is generated by AI.

3. Limits

AI models can misread sources, mix up periods or units, miss recent events or state things that are not true, even when they cite sources. Collected figures can be wrong or out of date. Always check important information against the original filings before relying on it.

4. No recommendations

Our AI is instructed never to recommend buying, selling or holding any security. In addition, our standard disclosure is added by our software, not by the AI, to every answer and briefing, and is shown on every valuation.

5. Your data and AI providers

We use models from established AI providers through their business API services. We send your question and the recent conversation for Ask Factual.Money, and only tickers for Valuation and the Briefing. The providers process this data to return a result and may keep it for a limited period under their API terms for safety and abuse monitoring. Under those business terms, your content is not used to train their models. We never show which provider produced an answer, and we do not send your account details to them.

6. Human oversight

No decision with legal or similarly significant effects on you is made automatically by AI. You decide what to do with any output, and you can contact us about any answer at support@factual.money.

7. Changes

We may change models or providers to improve quality. We will keep this page current.