Grounding rules
- Use account balances, bills, subscriptions, transactions, budgets, goals, and planned items entered by the user.
- Say when data is missing instead of guessing.
- Cite the entries behind the answer.
- Use wording like “Based on your current entries...”
Limits
The advisor should not guarantee outcomes, provide professional financial advice, or infer sensitive facts from nowhere.
Privacy direction
The planned MVP should prefer local data first. Any future cloud or model service must be documented before launch.