AI Disclosure
How We Use AI at Kove
Transparency isn’t just a tab on our website — it’s how we operate. Here’s an honest breakdown of where AI is involved in Kove, and where it isn’t.
Kove AI (The Chatbot)
Kove has a built-in AI assistant called Kove AI, powered by Anthropic’s Claude Haiku model. It’s there to help you understand your finances, answer questions, and give you context when you need it.
A few things worth knowing:
- •Your conversations with Kove AI are not used by Anthropic to train their models.
- •Chat data is retained by Kove for internal purposes only — to improve how Kove AI understands your questions and serves you better over time, and for compliance.
- •If you’d rather not use it, you can disable Kove AI entirely in your account settings. No impact to your plan.
Not a financial advisor.
Kove AI is an assistant — not a licensed financial advisor. Anything it says should be treated as informational, not as financial advice. Always use your own judgment, and consult a professional for decisions that matter.
What’s Coming
AI’s role in Kove will grow, but deliberately.
The immediate focus is refining Kove AI through RAG — building out a structured knowledge base so the assistant gives you answers grounded in real context, not generic responses. Better questions deserve better answers.
Beyond that, we’re working toward AI-powered budgeting that goes further than any static budget tool can. The goal is a system that understands your actual spending patterns, flags anomalies, and builds a budget that accounts for the things a simple calculator ignores — seasonal expenses, irregular income, lifestyle shifts. A budget that reflects your life, not a spreadsheet template.
None of this changes the core principle: AI surfaces information. You make the decisions.
How Kove Is Built
Kove is coded with the assistance of AI models. But there’s a distinction worth making clearly: AI doesn’t design Kove — a human does.
Every page, every feature, every interaction is deliberately decided. What should this screen look like? How should this button behave? What does a Kove user actually need here? Those decisions aren’t delegated to a model. AI implements the code as directed. The architecture, the design, the product direction — that’s human work.
We’re not interested in shipping AI slop. We’re interested in building something that actually works for people.
Why We Use AI at All
The honest answer: to keep costs down for you.
Kove is a one-person operation. Using AI efficiently — not recklessly — allows us to build and maintain a full-featured personal finance platform without the overhead of a large team. That cost savings gets passed directly to users in the form of lower pricing.
AI is a tool. How you use it is what matters.