AI Limitations and Accuracy Policy
Effective October 13, 2026.
This page is a working draft. It will be reviewed by a licensed attorney before SI Filing turns on live letter analysis.
SI Filing uses AI to read debt collection documents and explain them in plain English. AI is useful for this, and it also makes mistakes. This policy explains what our reports can and cannot do, and the safeguards we are building in.
Live letter analysis is not turned on yet. The reports on this site are built from fictional sample letters to show how the service will work. The safeguards below describe how the analyzer is being designed. We will not describe them as active until they are built and tested.
What a report can do
- Identify what kind of document you have, such as a collection letter, validation notice, settlement offer, summons, judgment, or garnishment notice.
- Pull out who sent it, who claims to own the debt, the amounts, and any dates printed on it, quoting the words it relied on.
- Point out what the document does not say.
- Show general rules that may apply, each from an official source, and options to consider with their trade-offs.
What a report cannot do
- It cannot give legal advice or tell you what to do in your case.
- It cannot confirm facts outside your document, such as who owns a debt today or whether a lawsuit has been filed.
- It cannot calculate your court deadlines. Deadlines depend on when and how papers were served and on your court's rules.
- It cannot decide whether a collector broke the law.
- It does not prepare court filings, legal defenses, or settlement instructions.
How reports are designed to prevent made-up information
- Quotes or "unknown." Facts taken from your document must quote the words they came from. A fact without a matching quote is shown as unknown.
- Deadlines only from your document. We show a deadline only when it is printed on the document, and we quote it.
- A reviewed rights library. Explanations of the law come from a fixed library of federal rules written from official sources and reviewed before use. The AI selects from that library. It does not write its own legal rules. State rules appear only for states we have verified.
- Court papers first. When a document looks like court papers, the report leads with a warning to seek legal help promptly.
- Clear labels. Every statement is labeled as from the document, a general rule, unknown, or needing professional review.
- Blocked claims. Reports must never claim to be from a lawyer, guarantee an outcome, or tell you to ignore court papers.
- Testing and review. Before launch, the analyzer will be tested on fictional and redacted documents, and its legal content will be reviewed by a licensed attorney.
If a report looks wrong
Trust the document and official sources over the report. Tell us at contact@sifiling.com so we can fix it, without sending us your document unless we ask and you agree.
See also our Legal Disclaimer and Privacy Policy.