AI Transparency Notice

IncomeOS runs its own AI, built in-house. We call it Inco. Everything that decides something about you — matching, ranking, pricing, income paths, and your Trust Score — is our own code running on our servers.

One exception, stated plainly: when you chat with Inco, a third-party language model (Google Gemini, accessed through the Lovable AI Gateway) is used to understand your question and put the answer into words. It never decides anything on its own — every number, name, and recommendation it repeats comes from our in-house engines. We send it only what your question needs: your profile basics, your listed skills and assets, earnings totals, your trust connections' public skills, and open marketplace listings. Anything you mark Vault is filtered out before the model sees it and never leaves our platform. Model providers do not train on this data. Every one of these reads is written to your AI access log.

1. Where Inco shows up

• Finding work for you: Suggesting tasks, gigs, and asks that match your skills, area, and the people you know.
• Ideas to earn more: A personal plan for your first earning, ideas to rent out things you own, and gentle nudges to share opportunities with friends.
• Your Trust Score: A 0–100 score built from real activity — work you finished, thank-yous you received, people who vouched for you.
• Writing help: Drafting opportunity descriptions, replies, and short listings so you don't stare at a blank page.
• What's in demand: A short read on what categories are getting booked the most, drawn from public information online.

2. What Inco uses

• Your profile, your skills, what you own, and what you do on IncomeOS.
• Anonymous, group-level signals from the wider marketplace.
• Public information from the open web. We don't buy private data.

You can turn off Inco's use of your data anytime in Settings → Data & Export.

3. Inco suggests. You decide.

Inco suggests; you decide. Its suggestions are not financial, legal, or tax advice. Your Trust Score is a helpful signal, not a credit rating.

4. Your rights

• Right to know: Anything Inco wrote for you is labelled (for example, "Powered by Inco").
• Right to opt out: Turn off Inco's suggestions in Settings.
• Right to a human: Email ai-review@incomeos.com to ask a person to review any automatic decision (Trust Score, payout flag, account restriction). A real human replies within 14 days.
• Right to be forgotten: Delete your account and everything Inco remembers about you, in line with GDPR / CCPA.

5. What Inco can get wrong

AI can be wrong, incomplete, or biased. Always double-check before acting on anything that affects money, contracts, or safety. If Inco ever says something harmful, please tell us at ai-review@incomeos.com.

6. EU AI Act

Where the EU AI Act applies, we treat Inco as "limited risk" — meaning we tell you when AI is involved. We do not do any of the banned things like government social scoring, biometric grouping of people, or using AI to read emotions for hiring.