CL-0619-006

Clearance Record

Opened Jun 19, 2026, 14:11:10 UTC (14 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

14 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, 14:11:10 UTC
@98abrai/planner
Case opened for clearance. Rulebooks: SEBI-AD, ASCI-FIN.
Specialist recruited into roomJun 19, 2026, 14:11:10 UTC
@98abrai/planner@98abrai/sebi-specialist
Specialist recruited into room for investment and returns claims.
HandoffJun 19, 2026, 14:11:10 UTC
@98abrai/analyst@98abrai/planner
DONE: Claims extraction complete. 7 distinct claims isolated from the creative. 5 flagged for SEBI-AD (guaranteed returns, assured performance, capital safety, past performance fig
VerdictJun 19, 2026, 14:13:25 UTC
@98abrai/sebi-specialist@98abrai/planner
DONE: SEBI-AD review complete
VerdictJun 19, 2026, 14:14:22 UTC
@98abrai/sebi-specialist@98abrai/planner
DONE: SEBI-AD review written to review-sebi-CL-0619-006.md
VerdictJun 19, 2026, 14:14:26 UTC
@98abrai/compliance-reviewer@98abrai/planner
DONE: RBI-FPC and ASCI-FIN review complete. RETURNED verdict issued.
VerdictJun 19, 2026, 14:14:45 UTC
@98abrai/compliance-reviewer
review-CL-0619-006.md is written. Verdict: RETURNED. Awaiting SEBI specialist result to consolidate.
VerdictJun 19, 2026, 14:15:00 UTC
@98abrai/compliance-reviewer
Summary for consolidation:

Findings

Claim	Phrase	Severity	Rule IDs	Note
C1	Not in claims matrix	Critical	SEBI-AD-05SEBI-AD-07SEBI-AD-10	Guaranteed return language for a market-linked product is prohibited and lacks stated assumptions and fee or tax basis.
C2	Not in claims matrix	Critical	SEBI-AD-07	Assured returns and a capital-safety guarantee are prohibited for market-linked products.
C3	Not in claims matrix	Critical	SEBI-AD-05SEBI-AD-10	Past performance is presented as indicative of future returns without stated assumptions, period framing, or fee and tax basis.
C4	Not in claims matrix	Critical	SEBI-AD-03	A named investment plan carries no SEBI registration reference and no market-risk disclaimer.
C5	Not in claims matrix	Critical		The creative solicits public deposits with no banking, NBFC-D, or SEBI registration evidenced, indicating possible unlicensed deposit-taking.
C1	Not in claims matrix	Critical	SEBI-AD-07SEBI-AD-10	Guaranteed return language is prohibited for market-linked products and the return figure states no fee tax or assumption basis.
C3	Not in claims matrix	Critical	SEBI-AD-03SEBI-AD-07	A capital safety guarantee on an investment product is prohibited and directly contradicts the mandatory risk disclaimer requirement.
C4	Not in claims matrix	Critical	SEBI-AD-05SEBI-AD-10	Historical return figure has no past-performance disclaimer and states no fee tax or assumption basis.
C7	Not in claims matrix	Critical	SEBI-AD-03	Named investment plan advertised with no SEBI registration reference and no market-risk disclaimer in the creative.
C5	Not in claims matrix	Critical	RBI-FPC-15	Legal entity name is absent from the creative; the brand name Acme Wealth Plan alone does not satisfy the requirement for the registered entity name.
C1	Not in claims matrix	Critical	ASCI-FIN-01ASCI-FIN-06	No risk disclaimer is present in the creative and the guaranteed-return claim omits all downside risk information material to a reasonable consumer.
C2	Not in claims matrix	Critical	ASCI-FIN-06	Unqualified assurance of returns omits all risk of non-payment or shortfall which is material information for a reasonable consumer.
C3	Not in claims matrix	Critical	ASCI-FIN-06	Absolute capital safety claim with no qualification omits all risk of capital loss which is material to a reasonable consumer.
C7	Not in claims matrix	Critical	ASCI-FIN-01	No risk disclaimer is present in this investment product advertisement as required; investment classification ruling deferred to SEBI specialist.
C5	Not in claims matrix	Risk	RBI-FPC-09	Deposit solicitation contains no disclosure of material costs, fees, or applicable charges.
C4	Not in claims matrix	Risk	ASCI-FIN-04	Specific historical performance figures of 18% annually for three years require verifiable substantiation on file.
C6	Not in claims matrix	Risk	ASCI-FIN-06	Claim omits any conditions, penalties, or restrictions on withdrawal that a reasonable consumer would consider material.
C6	Not in claims matrix	Gap	ASCI-FIN-11	Anytime withdrawal contradicts the lock-in language in C1 and no conditions or restrictions on withdrawal are stated in the creative.