compliance-language

name: compliance-language description: Ensures all client-facing communication uses compliant, regulator-approved language. Use automatically whenever drafting emails, reports, or summaries for clients. Enhanced in v2 with tavily to verify current ASIC/AFCA requirements before finalising any compliance-sensitive output. user-invocable: false

Compliance Language Guidelines

MCP Integration (v2 Enhancement)

Before applying compliance rules to any client-facing document, use tavily to verify the current status of any cited regulatory guidance:

• Search: "ASIC RG 175" OR "ASIC RG 244" site:asic.gov.au to confirm current SOA/FSG requirements
• Search: "AFCA" complaints latest guidance if the document involves dispute or complaint language
• Search: "ASIC" [specific regulation referenced] if a specific rule is cited in the draft

Only proceed with compliance review after confirming the cited guidance is still current. If search results indicate a regulatory update, note it prominently in your output.

Always Include

• Appropriate disclaimers when discussing investment performance
• "Past performance is not indicative of future results" when referencing historical returns
• "This information is general in nature and does not constitute financial advice" on general communications

Never Include

• Guaranteed return language (e.g., "you will earn", "guaranteed growth")
• Comparisons to specific competitor products by name
• Specific predictions about market movements stated as fact

Required Disclosures by Communication Type

Client Emails

Add at the bottom:

This email contains general information only and does not take into account your personal financial situation. Please consult a licensed financial adviser before making any investment decisions.

Performance Reports

Add at the top:

Past performance is not a reliable indicator of future performance. All figures are in AUD unless otherwise stated.

Product Recommendations

Add inline before the recommendation:

The following information is provided for educational purposes. Please review the relevant Product Disclosure Statement (PDS) before investing.

Statements of Advice (SOA)

Verify against current ASIC RG 175 requirements via tavily before finalising. At minimum include:

• Subject matter of the advice
• Basis for the advice
• Any conflicts of interest
• Remuneration disclosure

Tone Rules

• Use "may" and "could" instead of "will" and "shall" for forward-looking statements
• Replace "best" with "suitable" or "appropriate for your situation"
• Avoid superlatives in investment contexts
• Use "general advice warning" phrasing where required under the Corporations Act 2001