At Aventurine Financial, our AI assistant has been created to make mortgage information easier to understand and more accessible, anytime you need it. We know that questions about buying, refinancing, or renewing a mortgage don’t always come up during business hours, and waiting for answers can feel stressful. The AI assistant is here to bridge that gap by offering clear explanations, guidance, and support whenever you need it.
Here are some of the ways it can help:
Answer common mortgage questions in plain language, such as the difference between fixed and variable rates, what a pre-approval means, or how mortgage insurance works.
Run calculations directly to estimate monthly payments, affordability ranges, minimum down payments, CMHC insurance premiums, amortization costs, and the impact of rate changes — all based on the details you provide.
Explain the mortgage process step by step so you know what to expect from the initial application to final closing.
Break down financial terms and regulatory requirements into simple language, making complex information easier to understand.
Provide 24/7 support so you always have access to information and reassurance, even outside of regular business hours.
While the AI assistant is a valuable tool, it cannot replace the advice of a licensed mortgage professional. All lending decisions will always be handled by qualified experts. The purpose of the AI assistant is to simplify, educate, and prepare you, so that when you do connect with one of our specialists, you already feel more informed and supported.
Our AI Policy
We want to be fully transparent about how this technology works, what it can and cannot do, and how your information is handled when you choose to interact with it. This policy explains the role of our AI tools, the safeguards we have in place, and the limits of AI-generated responses. Our goal is to give you confidence in using these tools while ensuring you always have the option to connect directly with a licensed mortgage professional for personalized advice.
1. Purpose & Scope
Aventurine Financial uses Artificial Intelligence (AI) technology, powered through OpenAI’s API, to support clients through an interactive chatbot. This tool is designed to provide general guidance, answer frequently asked questions, and explain mortgage and real estate terms in clear, accessible language. The chatbot may also assist with basic customer support and direct clients to the appropriate resources within our organization.
It is important to note that the AI chatbot is intended to supplement, not replace, professional advice. While the AI may provide helpful information, it does not offer financial, legal, or mortgage brokerage services. Any decisions related to mortgages, financing, or real estate should always be made in consultation with a licensed mortgage professional or other qualified advisor.
2. Transparency Notice
When you engage with our chatbot, you are interacting with an Artificial Intelligence (AI) system powered by OpenAI’s API. The chatbot is not a human representative of Aventurine Financial, and its responses are generated by advanced language models trained to assist with general questions and explanations.
We want to make it clear when you are speaking with AI versus a licensed mortgage professional. Our chatbot is intended for information and guidance only. If at any point you require personalized advice, mortgage recommendations, or support from a licensed expert, you will be directed to connect with a qualified Aventurine Financial professional.
3. Data Handling & Privacy
When you interact with our AI chatbot, your conversations may be securely transmitted to OpenAI’s API for processing. This allows the chatbot to generate helpful responses in real time.
Aventurine Financial limits the type of data that is collected and transmitted. Sensitive financial details, government-issued identifiers, and other high-risk personal information should not be shared with the chatbot. Where possible, data is minimized and anonymized to reduce risk. We do not use chatbot conversations for marketing purposes or for profiling customers. Data is only retained as necessary to monitor service quality, improve performance, or meet regulatory requirements.
Aventurine Financial complies with applicable privacy and data protection regulations, including the Personal Information Protection and Electronic Documents Act (PIPEDA) in Canada. Where relevant, we also adhere to international privacy standards such as the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).
4. Consent
Before using the Aventurine Financial AI chatbot, users will be clearly informed that they are interacting with an Artificial Intelligence system and that the responses provided are AI-generated.
A disclosure statement will appear prior to use, outlining the purpose of the chatbot, how data is handled, and the limitations of AI-generated information. In some cases, a checkbox or banner may be displayed requiring users to acknowledge the following statement before proceeding:
“By using this service, you understand that responses are AI-generated and agree to the terms outlined in Aventurine Financial’s AI & Privacy Policy.”
This consent ensures users are aware of the nature of the chatbot, the role of AI in their interactions, and the safeguards in place for their data.
5. Accuracy & Limitations
While our AI chatbot is designed to provide helpful and reliable information, its responses may not always be accurate, complete, or up-to-date. The system generates answers based on available information and patterns, but it cannot guarantee precision in all cases, especially when dealing with rapidly changing financial regulations, lending practices, or market conditions.
Users should not rely solely on AI-generated responses when making financial or real estate decisions. Important information, including mortgage eligibility, interest rates, and tax implications, must always be verified with a licensed mortgage agent, financial advisor, or other qualified professional.
The chatbot does not provide personalized financial advice, does not have access to your full financial circumstances, and should not be considered a substitute for professional guidance. For complex or unique situations, Aventurine Financial encourages users to seek direct consultation with a licensed expert.
6. Biases & Fairness
Aventurine Financial is committed to ensuring that our AI chatbot provides fair, unbiased, and respectful responses. We recognize that AI systems may occasionally generate outputs that could be inaccurate, misleading, or unintentionally reflect bias.
To address this, we actively monitor chatbot interactions for quality and fairness. If a response is flagged by a user as inappropriate, discriminatory, or inaccurate, we have an escalation process in place to review the issue, take corrective action, and improve the system to prevent similar occurrences in the future.
Our goal is to provide guidance that is inclusive, accessible, and aligned with our values of integrity, professionalism, and respect for all clients.
7. Human Oversight
While our AI chatbot is designed to provide quick answers and helpful guidance, it does not replace the expertise of a licensed mortgage professional. Aventurine Financial ensures that clients always have clear pathways to connect with a human advisor whenever personalized assistance is required.
The AI chatbot is limited in its role and cannot make decisions, approve or deny mortgage applications, or provide binding financial advice. If a question or request exceeds the chatbot’s scope, users will be directed to a licensed Aventurine Financial professional for further assistance.
This approach ensures that all important financial decisions remain under the oversight of qualified experts while AI serves as a supportive tool for education and guidance.
8. Security
Aventurine Financial takes the protection of client information seriously and employs industry-standard security measures to safeguard data. All chatbot interactions are transmitted using encryption protocols to protect information while in transit.
In addition, Aventurine Financial works with trusted third-party vendors, including OpenAI, who are contractually bound to handle data responsibly and in accordance with applicable privacy and security requirements. These vendors are required to maintain strong safeguards to prevent unauthorized access, misuse, or disclosure of data.
We regularly review our security practices to ensure that they meet evolving industry standards and regulatory expectations, reinforcing our commitment to protecting the confidentiality and integrity of client interactions.
9. Continuous Monitoring & Improvement
Aventurine Financial is committed to maintaining the reliability, fairness, and compliance of our AI chatbot. To achieve this, we regularly review AI-generated outputs to ensure that the information provided is accurate, relevant, and aligned with regulatory standards and company policies.
For quality assurance and training purposes, anonymized logs of chatbot interactions may be maintained. These records are used strictly for internal monitoring, compliance checks, and system improvements. Personal identifiers are removed wherever possible to protect client privacy.
Through ongoing oversight and refinement, Aventurine Financial ensures that the chatbot continues to evolve responsibly and provide clients with clear, useful, and trustworthy support.
10. Third-Party Data Processing (OpenAI)
To operate our AI chatbot, Aventurine Financial uses technology provided by OpenAI, L.L.C.. When you interact with the chatbot, your messages are securely transmitted to OpenAI’s systems for processing, and a response is generated.
OpenAI acts as a third-party service provider in this process. While Aventurine Financial limits the type of data that is shared, OpenAI may process the text you provide in accordance with its own privacy practices. OpenAI does not use this data to build profiles for advertising or marketing purposes.
By using our chatbot, you acknowledge that your interactions may be processed by OpenAI as part of delivering the service. Aventurine Financial maintains contractual and technical safeguards to ensure that this processing aligns with applicable privacy and data protection requirements.
For full details on how OpenAI handles data, you can review their privacy policy using the link below.
Aventurine Financial respects the rights of individuals when it comes to their personal information and AI interactions. Users may request access to, or deletion of, data associated with their chatbot conversations, subject to applicable laws and regulatory requirements.
If you have questions, concerns, or requests related to how the AI chatbot is used or how your data is handled, you may contact us directly at:
Email: info@aventurinefinancial.ca
We are committed to responding promptly to such inquiries and to ensuring that our use of AI technology remains transparent, accountable, and respectful of your privacy rights.
Talk to our AI Assistant for advice, 24/7.
Our AI chatbot, powered by OpenAI is designed to give clients quick, reliable support whenever they need it. Whether you’re exploring mortgage options for the first time, looking for help with payment calculations or anything inbetween; our Assistant can help!
