Transparency Policy
Last Updated: January 18, 2025
Ruoltron is committed to operating with clarity and openness in all aspects of our service. This Transparency Policy explains how we communicate with users, how decisions affecting our service are made, and what standards govern our conduct as a platform providing AI-powered financial planning tools.
1. Our Commitment to Transparency
We believe that trust is built through consistent, honest communication. Ruoltron will not obscure information that users need to make informed decisions about how they engage with our platform. We aim to explain not just what our service does, but how and why.
This policy applies to all users accessing services through ruoltron.com and any associated platforms operated by Ruoltron.
2. How Our AI System Works
Our platform uses artificial intelligence to assist users with financial planning. We consider it essential that users understand the nature and limitations of this technology.
2.1 Nature of AI-Generated Output
The financial insights, projections, and guidance provided by our AI system are generated based on data inputs, statistical models, and algorithmic processing. They are intended as planning support tools, not as certified financial advice. No AI output on this platform constitutes a recommendation to buy, sell, or hold any financial instrument.
2.2 Data Sources and Model Inputs
Our AI models are trained and updated using a combination of publicly available financial data, anonymised usage patterns, and curated reference datasets. We do not use individual users' personal financial data to train shared models without explicit consent.
2.3 Limitations and Uncertainty
AI-powered financial planning involves inherent uncertainty. Projections are based on assumptions that may not reflect future market conditions, regulatory changes, or personal circumstances. We clearly indicate confidence levels and assumptions wherever output is presented.
2.4 Human Oversight
Key decisions about how our AI models are configured, updated, and constrained are made by qualified members of our team. We do not operate systems that make autonomous consequential decisions without human review processes in place.
3. Data Collection and Use
We collect information that is necessary to provide, improve, and secure our service. We do not collect data beyond what serves a defined and disclosed purpose.
3.1 What We Collect
We may collect account information, usage data, device and session identifiers, and financial data you voluntarily input into the platform. Each category of data collected is described in our Privacy Policy.
3.2 How We Use Data
Data is used to operate and personalise our service, to improve platform performance, and to communicate with users about their accounts. We do not sell personal data to third parties for commercial purposes unrelated to our service.
3.3 Third-Party Sharing
We may share data with trusted service providers who assist in operating our platform, subject to confidentiality obligations and data processing agreements. Any third party receiving user data is required to handle it with standards no less protective than our own.
4. Algorithmic Decision-Making
Where automated processes affect user experience, access, or the content of financial outputs, we make reasonable efforts to explain the logic behind those processes in plain language.
If a user receives a result, recommendation, or restriction generated by an automated system and believes it to be incorrect, they may contact us at [email protected] to request a review or explanation.
5. Pricing and Commercial Relationships
Our pricing structures are published clearly on the platform. Any change to pricing or subscription terms will be communicated to existing users with reasonable advance notice before taking effect.
Where our platform integrates with or promotes third-party financial tools, data providers, or services, we will disclose the nature of that relationship. We do not accept compensation in exchange for biasing the output of our AI system toward any particular financial product or provider.
6. Security Practices
We apply industry-standard security measures to protect user data and platform integrity. We conduct periodic reviews of our security posture and act on identified vulnerabilities in a timely manner.
In the event of a data breach or security incident that affects users, we will notify affected parties in accordance with applicable obligations and as promptly as the situation allows.
7. Service Changes and Availability
We reserve the right to modify, update, or discontinue features of our platform. Where changes are material and affect ongoing service delivery, we will provide advance notice through the platform or via registered contact details.
Planned maintenance periods that affect service availability will be communicated in advance wherever practicable.
8. Content Moderation and Acceptable Use
Our platform maintains standards for acceptable use, which are detailed in our Terms of Service. Actions taken in response to violations — including access restrictions or account termination — are governed by those terms.
Where we take action that significantly affects a user's access to the service, we will provide a notification and, where appropriate, an opportunity to respond or appeal.
9. Feedback and Accountability
We welcome feedback on how we can operate more transparently. If you have questions about how our platform works, how decisions are made, or how your data is handled, you may contact us directly.
We will respond to substantive transparency-related enquiries within a reasonable timeframe and will not dismiss or deflect legitimate questions about our practices.
10. Updates to This Policy
This policy may be updated to reflect changes in our practices, technology, or applicable standards. The date at the top of this document reflects when it was last revised. Continued use of the platform following a published update constitutes acceptance of the revised policy.
For questions or concerns about this policy, please contact us at [email protected] or write to us at 771 Choa Chu Kang Street 54, Block 771, Singapore 680771.