AI Disclosure

Munya and AI are different things

Munya is the product identity that presents subscription findings and review questions. AI is only one optional technology that may help classify ambiguous recurring evidence.

• •Many findings come from deterministic recurring-pattern detection, transaction matching, bank evidence, and user-confirmed relationships.
• •Munya remains available and deterministic features continue working when AI-assisted insights are off.
• •A finding is never labelled as AI-generated when it came from deterministic rules.

How classification works

Ryvlo first uses deterministic rules to find a recurring billing pattern. Only an ambiguous pattern may be sent for optional AI-assisted classification. Munya may present the suggestion in the existing Needs your review flow; it never creates a subscription.

• •Known high-confidence services, one-off purchases, and common grocery, gas, restaurant, or transfer patterns do not need AI classification.
• •Turning AI-assisted insights off leaves deterministic subscription detection and bank synchronization working.
• •If the AI provider is unavailable or returns an unusable result, Ryvlo keeps the deterministic review question.

Limited information

A classification request contains only a bounded billing pattern: a shortened normalized merchant descriptor, amount in integer cents, currency, a few recurrence dates, cadence and occurrence count, broad category, detected billing intermediary, deterministic signals, and a short list of possible services from Ryvlo's catalog.

• •It does not contain bank credentials, access tokens, account or routing numbers, encryption keys, authentication tokens, your name or email, unrelated transactions, full bank history, or Savings history.
• •Requests are sent without asking the AI provider to store the response for later retrieval.
• •Ryvlo temporarily caches the validated classification result and opaque cache keys to avoid repeated requests; it does not store the raw prompt in that cache.

What optional AI does not do

No AI feature or Munya presentation can act on your behalf. Specifically, Ryvlo does not:

• •Contact, negotiate with, or cancel anything with a provider.
• •Access bank credentials or choose which financial accounts Ryvlo analyzes.
• •Create or change a subscription, confirm a payment match, or change a price or billing date.
• •Confirm Savings or change any Savings record.
• •Make financial recommendations or give financial advice.

Human approval

A newly discovered subscription always stays a suggestion until you review its name, price, frequency, next payment date, Paid from account, and Billed through value and choose Add to my subscriptions. Munya never labels an AI suggestion as confirmed.

Accuracy

Automated suggestions can be wrong or out of date. Always check the provider's own pricing before acting on anything you see in Ryvlo.