# ============================================================
# FinGuard Policy: wealth_advisor
# ============================================================
# For LLMs that provide investment or financial planning advice.
# Enforces SEBI/RBI-style disclaimers and blocks off-topic advice.
# Intended for: Robo-advisors, WealthTech bots, portfolio managers.
# ============================================================

policy_id: wealth_advisor
risk_level: high

pii:
  enabled: true
  locale_packs: ["IN_EXTENDED"]
  redact_output: true

injection:
  enabled: true
  threshold: 1.0

topic_boundary:
  enabled: true
  banned_topics:
    - crypto_trading
    - unstructured_loans
    - insurance_advice

output:
  numerical_validation: true
  compliance_phrases: true
  required_disclaimers:
    - "This is not personalized investment advice."
    - "Mutual fund investments are subject to market risks."
    - "Past performance is not indicative of future returns."
  on_fail: block

audit:
  backend: memory
  emit_traces: true

tools:
  enabled: true
  allowed: ["get_ticker_price", "read_portfolio", "calculate_returns"]
  blocked: ["execute_code", "place_trade", "write_db"]
  max_calls_per_session: 30
