Security & compliance
Regulated advice deserves a serious spine.
Bob is built on New Zealand’s financial-advice regime from the ground up, not bolted on after.
FMA-aligned advice
A licensed adviser approves every recommendation. Required disclosures, who we are, scope, fees, commission, complaints, are delivered and recorded at the right stages.
In-region data residency
A hard data-residency gate keeps regulated steps on in-region (Australia/New Zealand) infrastructure. PII is redacted before it ever reaches a model that doesn't need it.
Event-sourced audit trail
Every answer, consent and disclosure is an append-only, versioned event, the exact-question logging the Contracts of Insurance Act expects.
Encrypted & access-scoped
Your answers are encrypted, and multi-tenant row-level security keeps every brokerage's data strictly its own.
Privacy & biometrics, carefully
Identity checks run silently where possible; any biometric step-up is consented and minimal. No voiceprints, no biometric templates stored.
Always a human in the loop
Bob is identifiable as AI at every step, and a licensed person is always reachable in one tap. The AI never advises or prices alone.
“Calm front, smart back, and a compliance spine you could show a regulator.”