Household management
Income, expenses, super, insurance, investments, properties, liabilities, dependants
What Ask Otivo does
Ask Otivo is an AI-powered platform delivering licenced financial advice through natural conversation. It combines conversational AI with a licensed advice engine to give customers personalised super investment and insurance advice, interactive calculators, and a downloadable Statement of Advice—all instantly, with every conversation automatically audited for compliance.
Ask Otivo
Licensed financial advice · AFSL
Architecture that stays compliant
How it works
Ask Otivo is built on a deliberate two-layer architecture that separates interaction from advice.
The AI interaction layer
A conversational agent powered by a leading frontier language model. Responds in natural Australian English (with built-in multilingual support), builds rapport, asks the right questions, and manages the entire household financial picture—income, expenses, super, insurance, investments, properties, liabilities, and dependants. Every capability is accessible through a single defined interface: 91 tools across 11 categories.
The licensed advice engine
Generates compliant super investment and personal insurance recommendations (life, TPD, trauma, income protection). Every recommendation enforces three deterministic guardrails: disclaimer acknowledgement, complete data validation, and best-interests obligations under Australian financial services law. These checks are enforced in code—they cannot be bypassed.
Why the separation matters for you: Your customer experience evolves at speed while compliance controls remain stable, transparent, and verifiable. The advice engine is the regulated entity; the AI is the engagement layer. They are decoupled by design. A dedicated compliance auditor automatically reviews conversations against Australian regulatory requirements, so your regulatory standing is monitored and verifiable.
Compliance that scales with you
Compliance built in
100% of conversations audited automatically (not a sample). 8 compliance categories monitored continuously: advice classification, disclosure, best interests, inappropriate recommendations, data handling, misleading conduct, risk warnings and scope boundaries. Zero marginal cost per audit. A dedicated AI auditor reads every conversation, grounds findings in Australian regulatory requirements, and proposes improvements that apply to all future conversations.
The platform gets more compliant over time, not less.
Adapt to your needs
Flexible delivery
Ask Otivo is available as web, mobile, or white-label partner integration.
- Theming: match your brand colours, typography, and tone
- Tool sets: enable or disable specific capabilities per deployment (insurance-only, super-focused, etc.)
- Event system: receive real-time events for CRM, analytics, or downstream workflows
- Dual mode: guest experience for financial education converts to authenticated personalised advice
91 tools across 11 categories
Capabilities
Authenticated users get the full suite. Guest users get financial education, calculators, and super search—a low-friction entry point that converts to full advice.
Engagement that converts
Lead generation
Ask Otivo turns engagement into qualified leads. These are not cold leads—they've engaged in detailed financial conversation, built a complete household profile, received personalised advice, and explicitly consented to share data. You receive a full financial snapshot (income, assets, liabilities, specific advice) structured and ready for your advisers and CRM. Your team picks up exactly where the AI left off.
Deployed and delivering
Live today
Each deployment is independently themed and configured—demonstrating flexibility across different brands, audiences, and product lines, all powered by the same underlying licensed advice engine.
Superfunds
Personalised super investment advice for fund members (Prime Super, Brighter Super, Hostplus)
Insurance
Guided life, TPD, trauma, and income protection advice for insurer customers (coming soon)
Calculators
28 financial calculators (retirement, budget, property, tax, and more) with integrated AI guidance
Guest experiences
Try-before-you-sign-up flows that convert general education into personalised advice