How it works
What the device does, step by step, and how your clients' data is kept private.
Your client data stays in your office.
A device in your office reads your OneDrive and email, read-only, and builds one database of your clients. The AI runs on the device. You keep the result; the device is erased at the end.
Where your data goes
The steps at a glance
Amber steps need you. Everything else the device does by itself.
Privacy at a glance
No online AI
The AI runs on the device. Nothing goes to ChatGPT, Claude, Copilot or any online AI.
Stays in your office
Files are copied onto the device and stay there. Only anonymised progress and support details, a counts-only summary of what your documents hold, the de-identified copy at handover, and a list of shop and business names with their spending category (no client names, amounts, dates or accounts) leave.
De-identified copy for referrals
At handover Mortgage Collective receives a copy of the client database with names, emails, ABNs and addresses removed (suburb and postcode kept), to spot clients who could benefit from a loan review. Any introduction to a client goes through you.
Read-only
Microsoft enforces it: the device can't edit, delete, move or send anything.
Encrypted
If the device were stolen, its drives are unreadable without the password.
Erased at the end
You keep the workbook; the device is erased in front of you, with a signed record.
Step by step
Discover
After one read-only Microsoft sign-in, the device lists your OneDrive and email: folders, sizes and counts. It then reads a small sample, about 300 documents and 60 emails, to show what your files hold and to answer what it can of its first questions.
Sign in once with your Microsoft account.
Approve
You see what was found, what's in the documents, and choose what's included.
Answer any first questions, untick folders or senders to leave out, then press Approve and start.
Download
The included files and emails are copied onto the device's encrypted drive. Identical files are copied once.
Nothing.
Read and sort
Every file is read, including scans and photos, and sorted by type: payslip, bank statement, tax return and so on.
Nothing.
Extract
A short form is filled in for each document. Every figure must quote the line it came from, so nothing is invented.
Nothing.
Build households
People, families, companies, trusts, income, assets and loans are linked together. The device's AI answers what the documents prove; the rest are questions for you.
Answer what you can, then press Done. Unanswered questions keep the best guess.
Workbook and spending
Your client workbook is built, then spending by category is added from bank statements.
Review it.
Hand over
You receive the workbook and Mortgage Collective receives the de-identified copy. The device's Microsoft access is removed and it's erased in front of you.
Check you have the workbook.
Questions?
John Comino, Mortgage Collective · john@mortgagecollective.com.au