Read-only by design
AI cannot directly create, change or delete authoritative income, expense, loan, cash-flow or other canonical financial records.
Minimised context
The server builds a bounded context needed for the answer rather than sending unnecessary credentials or raw source documents.
Evidence-grounded explanations
Responses are expected to stay grounded in available financial data rather than inventing missing amounts or events; provider failures fail closed.
No financial-advice authority
The current BANGAM AI contract is not designed to provide investment or regulated financial advice; it provides qualitative explanations of a user's own records.