Artificial Intelligence Policy

Our use of AI is meant to supplement — not replace — the loan advisors who work directly with you throughout your mortgage. AI tools help us answer general questions faster and help our team draft educational content more efficiently, but they do not make lending decisions, and they are not a substitute for advice from a licensed professional.

• JAi Bird, our mortgage assistant. JAi Bird is a chat assistant available on our "Website" that answers general mortgage questions in plain language.
• Educational content. Some of the articles in our resource center are drafted with AI assistance. Any AI-assisted article is reviewed and approved by a licensed mortgage professional before it is published, and is labeled to disclose that AI assistance was used.

We do not use AI to make credit or underwriting decisions about your loan application.

JAi Bird shares general, educational information about mortgage products, terms, and the loan process. JAi Bird is not a licensed loan officer and does not provide financial, legal, or tax advice. JAi Bird will never guarantee a specific rate, savings amount, approval, or closing timeline — those depend on your individual situation and are determined by a licensed loan advisor, not by JAi Bird.

JAi Bird is intentionally limited to mortgage-related topics and uses cautious language such as "may," "typically," and "depends on your situation" rather than making definitive promises.

When a question requires reviewing your specific file, income, credit, or property — or becomes a decision you're ready to act on — JAi Bird will direct you to a Royal United loan advisor rather than attempt to answer on its own. AI-assisted blog content is reviewed and approved by a licensed mortgage professional before publication; it is never published automatically.

JAi Bird will never ask you for:

• Your Social Security number
• Bank account or routing numbers
• Uploaded documents of any kind

If you're ever asked for this information in a chat that claims to be JAi Bird, do not provide it, and contact us using the information on our Contact Us page.

When you send JAi Bird a message, that message is sent to our AI service provider, OpenAI, to generate a response. Your conversation is not permanently stored in our own systems beyond what is needed to keep the conversation going while you're using it. Standard technical information about your visit (such as IP address and browser type) may be collected the same way it is on the rest of our "Website" — see our Privacy Policy for details.

AI tools can make mistakes, misunderstand a question, or provide information that doesn't fully apply to your situation. JAi Bird's responses are general educational information only and should not be treated as a final answer for your specific circumstances — a licensed loan advisor can review your actual scenario and give you guidance you can rely on.

You never have to use JAi Bird. You can reach a Royal United loan advisor directly by phone or through our Get My Options form at any time.

We may update this policy as our use of AI changes. Your continued use of our "Website" after we post an update constitutes your acknowledgment of the revised policy.