Artificial Intelligence
How Moneytree uses AI responsibly — with privacy, fairness, and accountability at the centre.
Uphold individuals' rights by safeguarding data and preventing misuse or unauthorised access. Sensitive and restricted data may not be used with external AI systems without a formal approval process.
AI systems must not intentionally or unfairly discriminate against any lawful group. Impartiality is a core design requirement for every AI-assisted workflow.
Moneytree accepts responsibility for the outcomes of AI-assisted decisions. All AI use must be transparent, explainable, and auditable so that effects can be understood and corrected.
Potential risks are anticipated and mitigated before deployment. As a fintech company, AI decisions can have lasting effects on people's financial lives — we treat that responsibility seriously.
AI is used to enhance human capabilities and foster trust — not to replace judgement. Tools are evaluated to ensure they support, rather than undermine, the well-being of users and communities.
Purpose & Scope
Moneytree's AI Policy establishes guidelines for the responsible use, development, and management of AI systems, in line with the company's Framework for Responsible AI Use (last reviewed June 2026, ISMS:2022 classified). It applies to all internal tool use as well as any future product or internal tool development that involves AI.
Data Usage & Classification
All AI data usage must be documented and traceable. Which data classes may be used with an AI system depends on who controls the system and how the data is reviewed:
| Data Class | External AI (Human Review) | External AI (Anonymised / Training) | External AI (Machine-Only) | Internal AI Systems |
|---|---|---|---|---|
| PUBLIC | ✗ | ✓ | ✓ | ✓ |
| INTERNAL | ✗ | ✓ | ✓ | ✓ |
| SENSITIVE | ✗ | ✗ | ✗ | ✓ |
| RESTRICTED | ✗ | ✗ | ✗ | ⚠ Approval required |
Using Restricted data with any AI system requires an approved Business Case Review (BCR) and a documented risk entry. The principle of least privilege applies: admin-level access tokens are granted only after a thorough, documented risk analysis.
Approved AI Tools
To ensure consistency and compliance, only approved AI tools are supported. Unauthorised tools are prohibited without prior approval. Teams whose primary function is AI research or development may request an exception, provided all tool usage is documented and communicated to the security team.
Currently approved systems for use with restricted data include NotebookLM / Gemini (Google Workspace) and Slack AI, each subject to their respective approved conditions and ongoing risk monitoring.
Education & Access
All team members must complete Responsible AI usage training before accessing AI tools. Training covers:
- Recognising and mitigating potential risks, including unintended consequences.
- Applying AI tools effectively to enhance decision-making and productivity.
- How to avoid leaking sensitive or restricted data to AI models.
Oversight & Monitoring
A designated Oversight Committee ensures risk is properly evaluated, risk tolerance is clearly defined, and all AI use remains compliant with Moneytree's terms of service obligations. AI systems are reviewed continuously to maintain alignment with responsible use standards, operational goals, and evolving regulation.
Any usage concern or suspected breach must be reported immediately for investigation and resolution. Violations of this policy are subject to disciplinary action; repeated or serious violations may result in dismissal.
Review Cadence
AI policy and related controls are reviewed on a regular schedule aligned with the ISMS programme — including internal ISMS reviews, internal security training, and an annual external ISO audit. Document reviews occur in June of each year. The policy is currently at version 30 (last reviewed June 2026).
⚠️ This page summarises Moneytree's internal AI Policy for informational purposes. It does not replace the full policy document. All AI usage at Moneytree is governed by the complete policy and the Framework for Responsible AI Use.