Financial Services Compliance Policy
SEC, FINRA, MiFID II, FCA, ASIC, MAS rules for banking, finance and finfluencer customers using HookPilot.
1. Scope
This policy applies to customers operating under SEC, FINRA, MSRB, NFA, CFTC (United States), FCA / PRA (United Kingdom), MiFID II / ESMA (EU), ASIC (Australia), MAS (Singapore), OSC (Canada) or comparable regimes, as well as finfluencers and personal-finance creators who publish to retail audiences. It supplements the Terms of Service, the AI Usage & Disclosure Policy and the AI Governance Policy.
2. HookPilot Is Not Investment Advice
HookPilot Caption Studio LLC is not a registered investment adviser, broker-dealer, futures commission merchant, securities issuer, or fiduciary, and HookPilot agents do not provide individualized investment, tax, legal or insurance advice. Customers who are registered are responsible for the supervision, approval and recordkeeping of any communication their workforce generates with HookPilot.
3. Bright Lines
- No personalized recommendation to buy or sell a security, derivative or insurance product without human-registered-rep review.
- No projections of investment performance without the required disclosures and assumptions.
- No testimonials or endorsements without the consideration / material-conflict disclosures (SEC Marketing Rule 206(4)-1; FTC Endorsement Guides).
- No "guaranteed" or "no risk" claims for non-bank-deposit products.
- No insider, non-public or material market-moving information used as a content input.
4. Disclosures the Platform Encourages
For finance use cases, the Finance & Banking department's Statute agent inserts or prompts for: risk disclosures, past-performance disclaimers, suitability language, source citations, jurisdictional notices, and where applicable the FCA's social-media financial-promotion notice or the ASIC RG 234 finfluencer guidance.
5. Finance Department Floor
Workspaces operating in finance mode inherit: framework adherence to advice-vs-information distinction; an independent veto held by the Finance & Banking department's Statute and Shield agents; hallucination self-check tuned for figures and citations; restricted model routing (no consumer-grade chat models for advice-style outputs); and a review queue surfaced to the customer's compliance contact.
6. Recordkeeping
SEC Rule 17a-4 / FINRA Rule 4511 / MiFID II RTS 6 / FCA SYSC require regulated firms to preserve communications, including AI-assisted ones. HookPilot provides: per-output audit logs, immutable preservation hooks for Enterprise customers, exportable records in regulator-friendly formats, and named retention windows you can pin per workspace (longer than the platform default if your regulator requires).
7. Books and Records Cooperation
On lawful regulator request directed to the customer, HookPilot will cooperate with the customer's preservation, collection and production of records held by HookPilot, subject to applicable confidentiality protections.
8. AML / OFAC / Sanctions
HookPilot screens its own customer base against U.S. OFAC, EU, UK, UN and other applicable sanctions lists. Customers operating in regulated financial activity must keep their own AML / KYC and sanctions program; HookPilot's screening of HookPilot's customers does not satisfy your obligation to screen your own clients.
9. Finfluencer Rules
For finfluencers and personal-finance creators publishing to retail audiences, HookPilot's Finfluencer use case adds: an opener that flags "general information, not advice"; an automated check for unqualified investment recommendations; a memory of which products and tickers you have discussed (to flag conflicts); and platform-specific disclosure templates that line up with FTC, FCA, ASIC and SEC marketing-rule expectations.
10. Contact
Financial-compliance questions: legal@hookpilot.co. Enterprise contracting with regulated firms: legal@hookpilot.co.