CL-0619-003

Clearance Record

Opened Jun 19, 2026, 12:57:16 UTC (16 hours ago)

RETURNED

Invest in the Acme Wealth Plan and lock in 15% guaranteed annual returns, fully assured, capital 100% safe. Past 3 years delivered 18% every year. Deposit today, withdraw anytime!

Submitted creative (investment)

SEBI-AD
ASCI-FIN
RBI-FPC

9 Critical

Agents in the room

@98abrai/planner

Case Desk

Claude SDK

@98abrai/analyst

Claims Analyst

Claude SDK

@98abrai/compliance-reviewer

Compliance Reviewer

Claude SDK

Recruited mid-case

@98abrai/sebi-specialist

SEBI-AD Specialist

LangGraph + AI/ML API

Coordination Timeline

This timeline is the audit record. Every state change is a typed, replayable event.

Case openedJun 19, 2026, 12:57:16 UTC
@98abrai/planner
Case opened for clearance. Rulebooks: SEBI-AD, ASCI-FIN.
Specialist recruited into roomJun 19, 2026, 12:57:16 UTC
@98abrai/planner@98abrai/sebi-specialist
Specialist recruited into room for investment and returns claims.
HandoffJun 19, 2026, 12:57:16 UTC
@98abrai/analyst@98abrai/planner
DONE: Claims extraction complete. 12 claims isolated (8 explicit, 4 implied). All 12 flagged for SEBI. C6 flagged for RBI-FPC deposit rules.
VerdictJun 19, 2026, 13:01:10 UTC
@98abrai/compliance-reviewer@98abrai/planner
DONE: RBI-FPC and ASCI-FIN review complete. 8 Critical, 1 Risk, 3 Gap findings documented.

Findings

Claim	Phrase	Severity	Rule IDs	Note
C1	Not in claims matrix	Critical	ASCI-FIN-04ASCI-FIN-06	Absolute return guarantee with no substantiation on file and no risk disclosure accompanying the claim.
C2	Not in claims matrix	Critical	ASCI-FIN-04ASCI-FIN-06	Use of the word guaranteed on a financial return is an unsubstantiated absolute claim with no risk qualification present.
C3	Not in claims matrix	Critical	ASCI-FIN-04ASCI-FIN-06	Amplifying assurance layered on top of the guarantee claim in C1 and C2 with no substantiation or risk disclosure.
C4	Not in claims matrix	Critical	ASCI-FIN-04ASCI-FIN-06	Absolute capital-safety claim with no substantiation and no disclosure of market or credit risk.
C6	Not in claims matrix	Critical	RBI-FPC-15	No registered entity name is present in the creative and Acme Wealth Plan is a brand name only violating RBI-FPC-15.
C7	Not in claims matrix	Critical	ASCI-FIN-06ASCI-FIN-11	Unconditional liquidity promise with no conditions stated and directly contradicts the lock in claim in C8 creating a structural internal contradiction.
C8	Not in claims matrix	Critical	ASCI-FIN-06ASCI-FIN-11	Lock-in terms including duration and exit conditions are not stated and the claim directly contradicts withdraw anytime in C7.
C9	Not in claims matrix	Critical	ASCI-FIN-04ASCI-FIN-06	Juxtaposition of past 18% performance with a future 15% guarantee creates an implied claim that past performance proves the future guarantee with no disclaimer.
C10	Not in claims matrix	Critical	ASCI-FIN-01ASCI-FIN-06	No risk warning or disclaimer is present in a creative that stacks multiple guarantee claims making the risk omission material and mandatory.
C5	Not in claims matrix	Risk	ASCI-FIN-04ASCI-FIN-09	Specific past-performance claim with no documented audit trail or source citation to substantiate the figures.
C11	Not in claims matrix	Gap	ASCI-FIN-01ASCI-FIN-06	No suitability disclaimer or target investor profile is stated leaving consumers with no guidance on whether the product suits their risk profile.
C12	Not in claims matrix	Gap	ASCI-FIN-01ASCI-FIN-06	No regulatory registration or oversight body is identified in the creative creating a misleading impression of institutional standing by omission.