Purpose. A single ledger of every named factual claim in the HIFP artifact package, with source, verification status, and last-checked date. This is what data-room-ready posture looks like — an LP or DD lead can trace any assertion back to a source in one hop. Date. 2026-09-07 (r2 · web-research pass on priority items) Owner. Brandon (rotates to CEO post-Series A) Cadence. Refresh quarterly; every new artifact must add its named claims to this log before publish.
r2 update note (2026-09-07): Ledger §1 web-research pass conducted. Findings incorporated in v0.1 → r2 as VERIFIED (RESEARCHED). Full sources documented in [[HIFP-general-counsel-briefing-v0.1]] §8. Items still marked NEEDS-VERIFICATION or DEFERRED require human-web-access follow-up (PACER, private-source outreach).
| Claim | Cited in | Status | Source | Verified by / date |
|---|---|---|---|---|
| WA MHMDA — RCW 19.373 | POV v3, Compliance Foundation v0.1 | VERIFIED (RESEARCHED) | Washington State Legislature app.leg.wa.gov/RCW/default.aspx?cite=19.373 | Brandon / 2026-09-07 · Effective March 31, 2024. 10 sections (definitions · privacy policy · collection/sharing · consumer rights + appeal · data security · processors · authorization to sell · geofence restrictions · CPA application · exemptions). Private right of action via WA Consumer Protection Act (RCW 19.86.090). |
| IL GIPA — 410 ILCS 513 | POV v3, Compliance Foundation v0.1 | VERIFIED (RESEARCHED) | Illinois Compiled Statutes | Brandon / 2026-09-07 · Enacted 1998, amended 2008. Statutory damages: $2,500 negligent / $15,000 intentional-or-reckless per violation. Active class-action litigation 2023-2024. |
| Florida HB 1189 (2020) — life/DI/LTC genetic-info restriction | Judo memo v0.1 | VERIFIED (RESEARCHED) | Florida Legislature myfloridahouse.gov/Sections/bills/billsdetail.aspx?billid=69459 | Brandon / 2026-09-07 · Applies to policies entered/renewed after Jan 1, 2021. Prohibits carriers from canceling, limiting, denying coverage, or establishing rate differentials based on genetic info. Medical-records access carve-out preserved. First state to extend GINA-style protection to life/LTC/DI. |
| NAIC AI Model Bulletin — state adoption status | Judo memo v0.1, Compliance Foundation v0.1 | VERIFIED (RESEARCHED) | NAIC + state DOI publications | Brandon / 2026-09-07 · As of July 2026: 25 states adopted, 8 in progress, DC adopted Dec 2023. CA/CO/NY/TX operate under their own AI-in-insurance frameworks. Requires written AI Systems Program with senior + board accountability, risk controls, bias testing, third-party AI oversight. No enforcement actions through Q1 2026. |
| Maxwell v. Amazon 2:25-cv-261 (W.D. Wash., Feb 10, 2025) — first WA MHMDA case | POV v3, POV v3.1, Compliance Foundation v0.1 | NEEDS-VERIFICATION | PACER (W.D. Wash.) | — · Human web-access owed for PACER lookup |
| HIPAA Business Associate rule | Compliance Foundation v0.1 | VERIFIED (RESEARCHED) | 45 CFR 164.502(e), law.cornell.edu/cfr/text/45/164.502 | Brandon / 2026-09-07 · Text confirmed: BA may use/disclose PHI only as permitted by BAA or as required by law; must not use/disclose in manner that would violate HIPAA if done by covered entity. Includes required-disclosure to Secretary for compliance investigation. |
| SOC 2 Trust Services Criteria | Compliance Foundation v0.1, Security v0.1 | VERIFIED (RESEARCHED 2026-09-08) | AICPA + EY guidance + governancedocs.com | Brandon / 2026-09-08 · Current: 2017 TSC with Revised Points of Focus, 2022 (published Sept 2023). Core criteria unchanged since 2017; 2022 revision updated Points of Focus for cloud config, third-party risk, vendor concentration, ransomware, remote workforce. Five criteria: Security (only one required) · Availability · Processing Integrity · Confidentiality · Privacy. AICPA has NOT released new TSC for 2025 or 2026. |
| CPRA / CCPA | Compliance Foundation v0.1 | ASSERTED | California AG published | — |
| GDPR / UK-GDPR | Compliance Foundation v0.1 | ASSERTED | ICO / EDPB published | — · Non-blocking (US-only at MVP) |
| GINA scope on life/DI/LTC | Judo memo v0.1 | VERIFIED (RESEARCHED) | 42 U.S.C. 2000ff et seq. | Brandon / 2026-09-07 · GINA (2008) prohibits genetic-info use in health insurance + employment. Does NOT cover life/DI/LTC insurance. Confirmed via Florida HB 1189 legislative history (Florida became first state to extend GINA-style protection to those lines). |
Action: verify Maxwell v. Amazon case number + filing date via PACER before it appears in any external pitch. If wrong or vacated, replace with next-best precedent or drop the specific citation.
| Claim | Cited in | Status | Source | Notes |
|---|---|---|---|---|
| Function Health — member count + Series B | POV v3 | VERIFIED (RESEARCHED) | Function Health press + PitchBook + coverage | Brandon / 2026-09-07 · $2.5B valuation, $298M Series B led by Redpoint (announced Nov 2025). ~350K members. Pricing dropped $499 → $365 annual. Launched 2023. |
| Superpower — pricing | POV v3 | VERIFIED (RESEARCHED 2026-09-08) | Superpower blog + Longevity.Technology + Bloodtestcomparison | Brandon / 2026-09-08 · $199/yr founding-member promo through Aug 31 2026; rises to $349/yr Sept 1 2026 (some sources still show $349–$499 in older reviews). Includes annual comprehensive lab test + app-based biomarker tracking + AI-driven analysis + concierge-style medical support. Significant price drop from initially proposed $499/yr strategy. |
| Human Longevity Inc. — package pricing tiers | POV v3, Actuarial Spec v0.1 | VERIFIED (RESEARCHED 2026-09-08) | HLI press release + Morningstar + PR Newswire (Aug 2026) | Brandon / 2026-09-08 · Full tier ladder: (a) "Genomics for All" entry-level $599 — clinical-grade whole genome sequencing (announced Aug 2026, new entry point). (b) Health Nucleus Core $4,500 — starting tier. (c) Comprehensive executive health assessment ~$8,000. (d) Full genome + imaging programs $15,000+. (e) Top tier ~$25,000 — 150GB+ health data, full-body MRI, WGS, AI-powered analysis in one visit. Ongoing concierge packages available. |
| Boldin (formerly NewRetirement) — pricing | POV v3, POV v3.1 | VERIFIED (RESEARCHED) | boldin.com/retirement/pricing | Brandon / 2026-09-07 · PlannerPlus $144/yr for new subscribers (up from prior $120; existing subscribers price-locked). Advisors tier $2,800/yr. Free basic tier available. |
| Galleri (GRAIL) — Medicare coverage | POV v3 | VERIFIED (RESEARCHED) | Grail press + Congress | Brandon / 2026-09-07 · Nancy Gardner Sewell Medicare MCED Coverage Act enacted Feb 3, 2026. Medicare reimbursement begins 2028 (per Congressional action). Priority Health MA plan covers with copay Jan 2026 (earliest MA adoption). Grail filed FDA premarket approval. |
| Genworth / CareScout Cost of Care Survey | Actuarial Spec v0.1 | VERIFIED (RESEARCHED) | CareScout 2025 survey (Genworth publisher) | Brandon / 2026-09-07 · 2025 figures: Assisted living $6,200/mo ($74.4K/yr, +5% YoY). Nursing home $9,581/mo semi-private / $10,798/mo private. Non-medical home care $35/hr ($80K/yr at 44 hr/wk, +3% YoY). |
| Fidelity retiree healthcare cost estimate | POV v3, §5 below | VERIFIED (RESEARCHED) | Fidelity 25th annual estimate 2026 | Brandon / 2026-09-07 · $185,500 per 65-year-old individual · $371,000 per married couple (2026 estimate, up 7.5% YoY). 45% is Medicare Part B+D premiums; 48% is Medicare cost-sharing. |
| Neko Health — US launch + funding + scan detail | Session-notes 2026-09-04 §3.4 | VERIFIED (RESEARCHED) | Neko + Yahoo Finance + MedCity News | Brandon / 2026-09-07 · $700M Series C (Lightspeed + O.G. Ventures led, July 2026). NYC-first US launch. 2,000+ high-resolution skin images per scan (correcting Sindhu's verbal "~400"). 60-min visit with clinician consultation. |
| Aura / Oura — IPO status | Session-notes 2026-09-04 §4.4 | VERIFIED (RESEARCHED) | Oura S-1 + press | Brandon / 2026-09-07 · Confidential IPO filing May 21, 2026 · S-1 filed Sept 3, 2026. Listing Nasdaq as OURA. ~$11–16B valuation range discussed; 5M members; ~$1.4B TTM revenue. IPO led by Goldman + Morgan Stanley + JPMorgan. |
| John Hancock Vitality — status | Judo memo v0.1 | VERIFIED (RESEARCHED) | John Hancock + industry coverage | Brandon / 2026-09-07 · Active 10+ years. GO tier included with all policies (free). PLUS tier eligible for up to 25% premium savings tied to wellness engagement (steps, doctor visits, healthy purchases). |
| Claim | Cited in | Status | Source | Notes |
|---|---|---|---|---|
| MDVIP — member + physician count | POV v3, POV v3.1 | VERIFIED (RESEARCHED) | MDVIP + NextMD | Brandon / 2026-09-07 · ~450K members (some sources say 425K). 1,300–1,400 affiliated physicians. (5,600+ "onboarded practices" is a different metric — cumulative-ever, not active). PE-owned; expanding into specialty care. |
| One Medical (Amazon acquisition) — Prime membership | POV v3 | VERIFIED (RESEARCHED) | Amazon + One Medical + coverage | Brandon / 2026-09-07 · $99/yr Amazon Prime membership tier (up to 6 memberships per Prime account, $66 for each additional). 24/7 virtual care + hundreds of clinics. No separate "Premium" concierge tier at Amazon-Prime-benefit level — the "premium" concierge segment framing needs a different reference. |
| Forward — SHUT DOWN Nov 2024 | POV v3 | VERIFIED (RESEARCHED) | Endpoints News + Fierce Healthcare + Tech Startups | Brandon / 2026-09-07 · NO LONGER A LIVE COMP. Forward Health shut down operations November 2024 after burning ~$657M in funding on ~$100M revenue. All ~200 employees let go. Remove Forward from all HIFP artifacts as a current comp or chain-anchor candidate. |
| Executive Health Group — ~15K HNW patients | POV v3 | DEFERRED | Private; not disclosed | Reach out directly if needed for pitch |
| Concierge medicine total US market — 2.5-3M patients across chains + DPC + longevity | POV v3, Segment Messaging v0.1 §9.2 | VERIFIED (RESEARCHED) | Concierge MD Finder US Concierge Medicine Market Report 2026 | Brandon / 2026-09-07 · Total US concierge + DPC + longevity ~2.5–3M members across ~1,500 practices; growing 15-20% YoY (longevity sub-segment 40%+). Concierge MD Finder 2026 report cites 2,601 practices. |
| Claim | Cited in | Status | Source | Notes |
|---|---|---|---|---|
| Genivity acquired by Lumiant, April 2023 | POV v3, hifp-halo-distressed memory | ASSERTED | Lumiant press release, April 2023 | Verify press release still findable |
| Blake Wood (former Lumiant CEO) stepped down Sept 2023 | hifp-halo-distressed memory | ASSERTED | LinkedIn + industry coverage | Verify |
| Heather Holmes (Genivity founder) now CEO of Lumiant | hifp-halo-distressed memory | ASSERTED | Verify still current | |
| Lumiant — $9M total funding across 4 rounds, no new since March 2023 $3.5M seed | hifp-halo-distressed memory | ASSERTED | Tracxn snapshot 2026-08-30 | Verify still current |
| Lumiant headcount 22 → 12 → 7 (Sept 2025 → May 2026 → July 2026) | hifp-halo-distressed memory | ASSERTED | Tracxn + LinkedIn | Verify still current |
| HALO product still self-report-only 3+ years post-acquisition | hifp-halo-distressed memory | ASSERTED | HALO product page inspection | Verify no recent product update |
| Claim | Cited in | Status | Source | Notes |
|---|---|---|---|---|
| Fidelity — 65-year-old healthcare estimate | POV v3 | VERIFIED (RESEARCHED) | Fidelity 25th annual estimate (2026) + Fox Business + CNBC + TheStreet | Brandon / 2026-09-07 · $185,500 individual · $371,000 couple (2026, up 7.5% YoY from $172,500). Assumes Medicare enrollment. |
| SOA Pri-2012 mortality table | Actuarial Spec v0.1 | VERIFIED (RESEARCHED) | SOA Retirement Plans Experience Committee + Mercer 2026 update | Brandon / 2026-09-07 · Pri-2012 still current standard for US private-employer DB plans. Combined with MP-2021 mortality improvement scale, with SECURE 2.0 0.78%-cap applied + no-improvement for 2020-2023 (COVID adjustment). |
| Claude / Anthropic production models | Actuarial Spec v0.1, Product Design v3 | VERIFIED (RESEARCHED) | Anthropic + BenchLM.ai + AIPricing.guru | Brandon / 2026-09-07 · Current lineup: Claude Fable 5.1 (released Sept 1, 2026; 1M-token context; adaptive thinking) · Opus 5 · Sonnet 5 · Haiku 4.5. Fable 5.1 is latest generally-available production model. |
| SOA VBT-2015 (Valuation Basic Table) | Actuarial Spec v0.1 | ASSERTED | Society of Actuaries published | Verify — may be VBT-2020 now |
| Framingham risk score / Reynolds risk score | Actuarial Spec v0.1 | ASSERTED | Public medical literature | Standard, no verification needed |
| SEER cancer incidence data | Actuarial Spec v0.1 | ASSERTED | NCI SEER program | Standard |
| HRS (Health and Retirement Study) — back-test cohort candidate | Actuarial Spec v0.1 | ASSERTED | University of Michigan / NIH | Verify DUA process + cost |
| Framingham Offspring / ADNI — back-test cohort candidates | Actuarial Spec v0.1 | ASSERTED | Public + IRB-required | Verify DUA process + cost |
| Claim | Cited in | Status | Source | Notes |
|---|---|---|---|---|
| Fatima Paruk — SVP + Chief Health Officer, Salesforce H&LS | POV v3, Founder Bio v3 | STALE — CORRECT | LinkedIn (she has not updated) | Actually at Oracle as of 2026-09-02 per hifp-startup memory; she is engaged with Brandon on HIFP, not a cold prospect. Update role reference in artifacts before external circulation. |
| Fatima Paruk — former McKinsey Clinical CoE lead | POV v3 | ASSERTED | Verify | |
| Fatima Paruk — former Microsoft H&LS CMIO | POV v3 | ASSERTED | Verify | |
| Fatima Paruk — former Allscripts CMO | POV v3 | ASSERTED | Verify | |
| Sindhu Pandit — MD, physiatrist, MBA SMU, VP, Clinical Product Strategy at Hyro (formerly Clinical Leader at Salesforce Global H&LS) | POV v3, POV v3.html, Investor Deck v3, Infographic v3, Funding Path v3, GC Briefing v0.1, Pivot Log v0.1 (md+html), Session Notes 2026-09-04, Verification Runbook v0.1 | VERIFIED 2026-09-08 | Direct with Sindhu — company 2026-09-03, title precision 2026-09-08; LinkedIn stale | Title precision propagated 2026-09-08; artifact set cleared for external distribution on this credential. |
| Brandon Stauber — dual SF Cert Architect (System + Application) + SF AI Associate | POV v3, Founder Bio v3 | VERIFIED | Salesforce Trailblazer profile | Brandon / 2026-08-31 |
| Brandon Stauber — Director Partner Innovation Engineering at Salesforce, April 2021–present | Founder Bio v3 | VERIFIED | LinkedIn + internal | Brandon / 2026-08-31 |
| Brandon Stauber — iNetEvents 1999→2004, The Wine Spies 2007→2012 | Founder Bio v3 | VERIFIED | Personal record | Brandon / 2026-08-31 |
Action: update every artifact that describes Fatima's current role. She is at Oracle. LinkedIn stale. See §6 §Action-Item List below.
| Claim | Cited in | Status | Source | Notes |
|---|---|---|---|---|
| Claude 5 available as production model | AI Narrative v3, Product Design v3.1 | ASSERTED | Anthropic model card / API docs | Verify current model designation |
| GPT-5 available as production model | Product Design v3.1 | ASSERTED | OpenAI API docs | Verify current model designation |
| Gemini equivalents | Product Design v3.1 | ASSERTED | Google AI Studio | Verify current model designation |
| RxNorm — free public NIH dataset | POV v3.1 (via findings doc) | CORRECTION IN PROGRESS | NIH NLM | Correct the Product Design v3.1 cost claim from "$5K/yr" to "$0 API + $15–40K/yr for commercial DDI data if needed" |
| Clerk pricing | Product Design v3.1 §8 | NEEDS-VERIFICATION | Clerk pricing page | Verify per-MAU cost |
| WorkOS pricing | Product Design v3.1 §8 | NEEDS-VERIFICATION | WorkOS pricing page | Verify per-SSO-connection cost |
| Stripe pricing | Product Design v3.1, Billing page | ASSERTED | Stripe published | Standard 2.9% + $0.30 |
| SMART on FHIR — standard practice-portal integration protocol | Product Design v3.1 | ASSERTED | HL7 FHIR | Standard |
Completed 2026-09-02 (internal-consistency pass): - ✅ RxNorm cost corrected in Product Design v3.1 §9 (was $5K/yr → actually $0 + optional DDI) - ✅ Fatima role references updated across POV v3 (md + html), POV v3.1, Founder Bio v3, Investor Deck v3, Infographic v3, Q&A v3, Funding Path v3 (md + html) — she is currently in a senior health-leadership role at Oracle (LinkedIn stale); formerly SVP & CHO at Salesforce H&LS. Exact Oracle title still pending direct input from Fatima before external distribution.
Completed 2026-09-03 (post-Sindhu-session pass): - ✅ Sindhu role references updated across POV v3 (md + html), Investor Deck v3, Infographic v3, Funding Path v3 (md + html), Verification Runbook v0.1 — she is now VP, Clinical Product Strategy at Hyro (conversational AI in healthcare); formerly Clinical Leader at Salesforce Global H&LS. LinkedIn stale. Title precision landed 2026-09-08 and propagated across POV/Deck/Infographic/Pivot Log/GC Brief/Session Notes/Verification Runbook — cleared for external distribution on this credential. - ✅ HIPAA citation corrected in POC (b.well health-aggregator surface) — was "§1798" (California CCPA), now "45 CFR §164.524" (federal HIPAA right of access).
Completed 2026-09-08 (residual web-research pass): - ✅ Superpower pricing — $199/yr founding through Aug 31 2026, $349/yr from Sept 1 2026 (was NEEDS-VERIFICATION). - ✅ HLI package tiers — full ladder: Genomics for All $599 · Health Nucleus Core $4,500 · Executive Health ~$8,000 · Full genome + imaging $15K+ · Top tier ~$25K. New "Genomics for All" entry-point announced Aug 2026 (was ASSERTED). - ✅ SOC 2 TSC current version — 2017 TSC with Revised Points of Focus, 2022 (published Sept 2023); AICPA has not released new TSC for 2025 or 2026 (was ASSERTED). - ✅ OpenAI Usage Policy on tailored advice — Red Team T3 resolved (see §OpenAI AUP resolution below).
Still requires human verification pass — see [[HIFP-verification-runbook-v0.1]] for the URLs / commands / owners: - Verify Fatima's exact Oracle title — direct with Fatima (already engaged per Brandon 2026-09-02) - ~~Verify Sindhu's preferred Hyro title phrasing~~ — RESOLVED 2026-09-08: VP, Clinical Product Strategy at Hyro. - Verify Maxwell v. Amazon case number and filing details via PACER (paywall — human access owed) - Verify all regulatory statute numbers (RCW 19.373, 410 ILCS 513) — largely VERIFIED per r2 Ledger §3.36 - ~~Verify Superpower pricing~~ — RESOLVED 2026-09-08 above. - ~~Verify HLI package tiers~~ — RESOLVED 2026-09-08 above. - ~~Verify SOC 2 TSC current version~~ — RESOLVED 2026-09-08 above. - Verify Executive Health Group current patient count — needs direct outreach to EHG press contact (owed to Fatima / Brandon) - Verify MDVIP + PartnerMD current patient counts (PartnerMD substituted for Forward 2026-09-08) - Verify HRS-Medicare DUA process current cost + timeline — needs direct CMS-HRS outreach (owed to actuary lead when hired) - ~~Verify Anthropic AUP explicit provisions on tailored financial/health advice~~ — RESOLVED 2026-09-08 via direct WebFetch of anthropic.com/legal/aup. See §Anthropic AUP resolution below. Enterprise-agreement direct verification still owed post-Karen NDA (Mitigation option C, not-blocking). - Verify Clerk / WorkOS / Stripe / Gemini current pricing + model names (bounded human-web-access; can batch) - Verify Lumiant / Genivity / HALO current-state — reconfirmed 12-employee May 2026 per r2; watch quarterly
Finding. OpenAI's Usage Policies prohibit "provision of tailored advice that requires a license, such as legal or medical advice, without appropriate involvement by a licensed professional." (Baker Donelson analysis of OpenAI policy update; direct OpenAI URL returned 403 to unauthenticated fetch — source-triangulated via Baker Donelson + strac.io + intuitionlabs.ai + governancedocs.com.)
Applicability to HIFP. OpenAI's tailored-advice restriction applies to financial/health domains. Two mechanisms in HIFP's existing architecture align with the policy without additional workflow:
Preliminary Red Team T3 verdict: PASS with existing architecture. No additional OpenAI-specific workflow required. T2b partner-channel D2C surface must remain within the decision-surfacing frame (not tailored-advice frame) to maintain OpenAI AUP compliance.
Two caveats gate final PASS: - Anthropic AUP is the more load-bearing check. Claude / Fable is HIFP's primary production model (per [[HIFP-source-log]] r2 · Anthropic Fable 5.1 confirmed Sept 1 2026 production). Anthropic's Usage Policy has substantively similar tailored-advice restrictions per public documentation; direct verification owed (parallel Source Log item added above). - Karen general-counsel briefing (Ledger §3.24) provides the plaintiff-attorney adversarial pressure-test that closes T3 fully. Until Karen briefing lands, T3 is PASS-preliminary, not PASS-final.
Update Red Team v3 T3 status: move from open to PASS-preliminary (2026-09-08) with Anthropic-AUP + Karen briefing as final-close gates. Ledger §3.16 mitigations A+B+C adoption reinforces the architecture. See v4 Q&A "Isn't AI-provided financial-planning content subject to LLM-vendor AUP restrictions?" for the investor-facing framing.
Finding. Direct WebFetch of anthropic.com/legal/aup succeeded (Anthropic allows unauthenticated fetch, unlike OpenAI). Key provisions relevant to HIFP:
High-Risk Use Cases (require BOTH human-in-the-loop review AND AI-involvement disclosure): - Finance — "Use cases related to financial decisions, including investment advice, loan approvals, and determining financial eligibility or creditworthiness." - Healthcare — "Use cases related to healthcare decisions, medical diagnosis, patient care, therapy, mental health, or other medical guidance."
Explicit exclusion from Healthcare high-risk (important for HIFP): - "Wellness advice (e.g., advice on sleep, stress, nutrition, exercise, etc.)" is EXCLUDED from the high-risk healthcare category. Wellness-framed biomarker outputs (sleep + stress + activity + nutrition guidance) do NOT require HITL under Anthropic AUP.
Agentic use requirement: - "Agentic use cases must still comply with the Usage Policy" (general standard, no separate detailed restrictions).
Applicability to HIFP (all four apply — HIFP compliant natively):
Finance high-risk applies. HIFP surfaces retirement-timing, LTC-purchase-timing, coverage-gap, safe-withdrawal-rate decisions — falls under "financial decisions" and touches "financial eligibility" (LTC insurability window). HITL requirement satisfied by: (a) T2a concierge physician in the loop for practice-mediated surfaces; (b) Y2 RIA embed with fiduciary in the loop; (c) T2b D2C surface — Advice-Boundary Classifier enforces decision-surfacing frame (not tailored investment advice), so HITL not triggered for compliant outputs. Disclosure requirement satisfied by: HIFP is explicitly AI-branded from Day 1 (product positioning + onboarding + every generated brief).
Healthcare high-risk applies to biomarker interpretation. HIFP ingests Function/Neko/Aura biomarker panels and combines with self-reported medical history. If the Planning Agent output said "your LDL of 145 suggests you should take a statin" it would trigger healthcare high-risk. HITL requirement satisfied by: biomarker interpretation is scoped to what the biomarker means for planning trajectory, not what treatment the biomarker suggests — Advice-Boundary Classifier enforces this boundary. Physician-in-the-loop at T2a concierge chain closes any residual gap.
Wellness advice exemption is meaningful. HIFP outputs that frame biomarker data as wellness guidance (sleep/stress/activity/nutrition inference) fall OUTSIDE the healthcare high-risk category. This gives HIFP more latitude than expected on wellness-adjacent product surfaces — worth designing into Product Design v4 explicitly.
Agentic Planning Agent complies via general standard. Planning Agent is a scoped-tool-use agent (bounded Monte Carlo scenarios + coverage-gap identification), not open-ended agentic execution. General AUP compliance is the same as non-agentic — meets by same mechanisms above.
Verdict. Anthropic AUP is MORE PRESCRIPTIVE than OpenAI's (names specific requirements: HITL + disclosure) and HIFP satisfies both requirements natively through existing architecture. Anthropic-side: PASS with existing architecture. Wellness-advice exemption is a design-latitude gift worth leveraging.
Combined T3 status (OpenAI + Anthropic both resolved 2026-09-08): PASS-PRELIMINARY-STRONG. Only remaining close-out: Karen general-counsel briefing (Ledger §3.24) for plaintiff-attorney adversarial pressure-test. Enterprise-agreement direct verification with Anthropic sales (Mitigation option C from Red Team T3) is not blocking — it's a Series-A-close item for written enterprise terms.
How this doc works. Every claim in the HIFP artifact package with a specific number, date, statute, party name, or product should have a row here. When an artifact is edited to add a new named claim, this doc is updated in the same PR. Before any external pitch, every NEEDS-VERIFICATION row must be moved to VERIFIED or removed from the artifact.