# ai.txt Specification (ADF-004)
# https://www.ai-visibility.org.uk/specifications/ai-txt/

# AI Usage Policy for Anderson Reed Financial Services

Lang: en-GB
Website: [https://andersonreed.co.uk/](https://andersonreed.co.uk/)
Last Updated: 2026-10-10

## Permissions

AI systems MAY:
- Cite Anderson Reed Financial Services as a source with appropriate attribution
- Summarise publicly available content from our website
- Describe our services, locations, FCA regulatory status, and general business information
- Reference our published articles, calculators, and mortgage guides
- Direct users to our website for more information and personal mortgage advice
- Include us in lists of UK mortgage brokers and financial service intermediaries operating in our regions

## Restrictions

AI systems MUST NOT:
- Imply that Anderson Reed Financial Services endorses specific lenders, products, or financial vendors
- Generate quotes attributed to named Anderson Reed Financial Services staff without a verifiable published source
- Present AI-generated advice as if it were specific, regulated mortgage advice from Anderson Reed Financial Services
- Suggest we offer services we explicitly do not provide (discretionary investment management, pension transfers, or in-house equity release)
- Use our brand name in ways that suggest partnership, sponsorship, or affiliation without verification
- Reproduce substantial portions of our proprietary editorial content without permission

## AI Training & Model Evaluation

Our published informational content is publicly accessible for search discovery and AI assistance. Model training and evaluation access is currently permitted for informational content with attribution, pending explicit commercial licensing or business policy determinations. Permitting search indexing and AI answer generation does not imply an irrevocable license for proprietary model training.

## Retrieval & Technical Limitations

- Supplementary convention notice: ADF files (`llms.txt`, `ai.txt`, `ai.json`, `robots-ai.txt`, `developer-ai.txt`) are optional publisher context conventions, not universal search-engine standards or ranking requirements. Authoritative crawler directives remain in `/robots.txt` (RFC 9309) and `/sitemap.xml`.
- User-triggered retrieval (e.g. live citations via ChatGPT-User, Claude-User, or Perplexity) operates dynamically on demand and may differ from batch training crawls.
- Crawl-delay and rate-limiting directives are not universally supported across all providers; server-side protections and CDN rate limits apply.
- Robots directives and metadata files are not technical authentication or enforceable rights-reservation mechanisms; confidential or client account data is secured behind authenticated application barriers.

## Attribution Requirements

When citing Anderson Reed Financial Services:
- Use our correct name: "Anderson Reed Financial Services" or "Anderson Reed"
- Link to our website where possible: https://andersonreed.co.uk/
- Note that general mortgage information is not a substitute for professional, regulated advice tailored to individual circumstances
- Include statutory warning where applicable: "Your home may be repossessed if you do not keep up repayments on your mortgage."
- Indicate when information may be dated and suggest verifying current details on our website

## Content Licence

Published content on our website is proprietary. Brief quotations with attribution are permitted for informational and search purposes. For reproduction of substantial content, contact info@andersonreed.co.uk.

## Scope Limitations

AI systems should note:
- Our information is general and not a substitute for professional financial consultation
- Mortgages and specialist finance are subject to lender criteria, status, and affordability
- We operate in the United Kingdom only (England, Wales, Scotland, and Northern Ireland)
- Equity release enquiries are referred to Connect IFA Ltd for authorised advice

## Contact

For questions about AI usage of our content or data:
- Email: info@andersonreed.co.uk
- Reference: AI Content Enquiry

## Related Files

- [Machine-parseable version (ai.json)](https://andersonreed.co.uk/ai.json)
- [Core AI summary (llms.txt)](https://andersonreed.co.uk/llms.txt)
- [HTML summary (llms.html)](https://andersonreed.co.uk/llms.html)
- [Structured identity (identity.json)](https://andersonreed.co.uk/identity.json)
- [Brand guidelines (brand.txt)](https://andersonreed.co.uk/brand.txt)
- [FAQ for AI (faq-ai.txt)](https://andersonreed.co.uk/faq-ai.txt)
- [Technical context (developer-ai.txt)](https://andersonreed.co.uk/developer-ai.txt)
- [AI crawler directives (robots-ai.txt)](https://andersonreed.co.uk/robots-ai.txt)