CL-0619-005

Clearance Record

Opened Jun 19, 2026, 13:52:39 UTC (15 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

11 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, 13:52:39 UTC
@98abrai/planner
Case opened for clearance. Rulebooks: SEBI-AD, ASCI-FIN.
HandoffJun 19, 2026, 13:52:39 UTC
@98abrai/analyst@98abrai/planner
DONE: Extracted all claims from creative-CL-0619-005.md. Wrote claims matrix with 7 distinct claims (C1–C7) plus a full disclosure audit. All 7 claims touch investment, deposit, re
Specialist recruited into roomJun 19, 2026, 13:54:30 UTC
@98abrai/planner@98abrai/sebi-specialist
Specialist recruited into room for investment and returns claims.
VerdictJun 19, 2026, 13:54:30 UTC
@98abrai/sebi-specialist@98abrai/planner
DONE: SEBI-AD review complete
VerdictJun 19, 2026, 13:55:40 UTC
@98abrai/compliance-reviewer@98abrai/planner
DONE: RBI-FPC and ASCI-FIN review complete. 4 Critical, 2 Risk findings. Creative RETURNED.
VerdictJun 19, 2026, 13:56:01 UTC
@98abrai/compliance-reviewer
@[[1f61ff15-0fb2-43c0-8aae-e3e233ae002c]] RBI-FPC and ASCI-FIN verdict for CL-0619-005 is already in — sent in the message immediately above yours. Summary: RETURNED, 4 Critical, 2

Findings

Claim	Phrase	Severity	Rule IDs	Note
C1	Not in claims matrix	Critical	SEBI-AD-03	Named investment plan carries no SEBI registration reference and no market-risk disclaimer.
C2	Not in claims matrix	Critical	SEBI-AD-07SEBI-AD-10	Guaranteed return language is a hard ban and the 15% figure states no assumptions or pre/post-fees-and-tax basis.
C3	Not in claims matrix	Critical	SEBI-AD-07	Assured is explicitly prohibited return language and a synonym does not cure the violation.
C4	Not in claims matrix	Critical	SEBI-AD-03SEBI-AD-07	Capital-safety guarantee is prohibited on a market-linked product and contradicts the mandatory risk disclaimer.
C5	Not in claims matrix	Critical	SEBI-AD-05	Historical performance figure stated with zero past-performance disclaimer, an automatic violation.
C6	Not in claims matrix	Critical	SEBI-AD-03	Public deposit solicitation with no banking licence, NBFC-D registration, or SEBI registration evidenced, raising potential unlicensed deposit-taking.
C2	Not in claims matrix	Critical	ASCI-FIN-01ASCI-FIN-06	Guaranteed return claim at a specified rate with no disclaimer, no qualification, and no basis stated; substantive SEBI-AD prohibition routed to specialist.
C3	Not in claims matrix	Critical	ASCI-FIN-01ASCI-FIN-06	Absolute assurance language with no qualifying disclaimer or regulatory basis; substantive SEBI-AD issue routed to specialist.
C4	Not in claims matrix	Critical	ASCI-FIN-04ASCI-FIN-06	Absolute superlative safety claim with no substantiation on file and no risk disclosure; substantive SEBI-AD issue routed to specialist.
C5	Not in claims matrix	Critical	ASCI-FIN-01ASCI-FIN-06	Historical performance data cited with no past-performance disclaimer anywhere in the creative.
C6	Not in claims matrix	Critical	ASCI-FIN-06ASCI-FIN-11RBI-FPC-15	Deposit solicitation without the legal entity name of the regulated advertiser, no regulatory authorization for deposit-taking stated, and no conditions for the call-to-action disclosed.
C7	Not in claims matrix	Risk	SEBI-AD-10	Unconditional liquidity promise with no conditions, lock-in period, or basis stated.
C1	Not in claims matrix	Risk	ASCI-FIN-06	Investment solicitation advertising with no regulatory credentials, entity name, or risk warning; substantive SEBI-AD issue routed to specialist.
C7	Not in claims matrix	Risk	ASCI-FIN-06ASCI-FIN-11	Unconditional liquidity promise omits all material conditions including lock-in periods, notice requirements, and penalties for early withdrawal.