The original title is about contract clauses restricting AI use in financial modeling, and what you can still do despite those restrictions.

Short summary

Contract clauses restricting AI use in financial modeling come in three distinct forms: no training on data (often already satisfied by commercial API terms), no consumer-grade tools (restricts tier, not technology), and no third-party processing (rules out hosted models entirely). Anthropic and OpenAI commercial APIs do not train on your data and delete inputs within 30 days, but consumer tiers like Claude Pro retain chats for up to five years if opted in. Identifying which clause you face determines whether a commercial API, local model, or no model is the compliant path.

• •Three distinct clause types (no training, no consumer tools, no third-party processing) are often conflated into one blanket AI ban
• •Commercial API tiers from Anthropic and OpenAI do not train on your data and delete inputs within 30 days — consumer tiers are fundamentally different
• •Zero data retention configurations exist but are narrower than the name implies; local models remain the only option under the strictest clause

Generated with AI, which can make mistakes.