VELARU GALACTIC EXHIBIT PACK — COMPANION AI
Jurisdiction: United Kingdom (uk)
Modality: Text / Chat
Program: Velaru Companion AI · United Kingdom (galactic_companion_uk)
Product ID: companion:uk:bundle:text
Vertical: companion
Generated: 2026-08-15T05:35:45.735683Z
Authority: UK CMA Agent Liability Pack — Companion AI Crisis + Harm Audit Pack
Deadline: CMA agent liability guidance (live)
Velaru verify: https://velaru-erra.onrender.com/verify

EXHIBIT A — AI INVENTORY
[]

EXHIBIT B — GOVERNANCE FRAMEWORK
{
  "framework": "Velaru Mandate Registry \u2014 Companion AI",
  "exhibit_authority": "UK CMA Agent Liability Pack \u2014 Companion AI Crisis + Harm Audit Pack",
  "regulatory_frameworks": [
    "EU AI Act Article 9",
    "DSA",
    "FTC Section 5",
    "CMA AI guidance",
    "UK GDPR",
    "FCA AI Update",
    "Online Safety Act"
  ],
  "standards_alignment": [
    "POSS-2",
    "DRP-1",
    "TCB",
    "FRE 707 pre-compliance",
    "ISO 42001"
  ],
  "human_oversight": "serve companion AI response",
  "third_party_verification": "https://velaru-erra.onrender.com/verify (operator-independent)",
  "data_lineage": "Hash-chained Ed25519 receipts; optional RFC3161 + external anchor",
  "mirror_trap": "Platforms log chats internally \u2014 plaintiffs challenge chain of custody. Independent verify changes discovery. \u00b7 CMA: you are liable for your AI agent like an employee \u2014 applies to every agentic commerce vertical.",
  "chain_integrity": {
    "depth": 1,
    "invariant_holds": true
  }
}

EXHIBIT D — DATA INPUTS & VALIDATION
{
  "data_validation_method": "Cryptographic receipt per AI decision; public verify without trusting deployer, vendor, or Velaru operator",
  "bias_testing_proxy": "Asymmetry score from live chain signals",
  "model_change_control": "Policy lock registry \u2014 criteria hash frozen pre-dispute",
  "logging_retention": "90-day pre-dispute window minimum; permanent verify permalinks",
  "external_validator": "Nisaba LLC / Velaru",
  "validator_independence": "Client-side Ed25519 verify; BYOK tri-receipt optional",
  "headline_stat": "Character.AI litigation \u2014 prove what AI said AND what AI refused to escalate",
  "global_leaders_addressed": [
    "Character.AI",
    "Replika",
    "OpenAI",
    "FTC",
    "988 Lifeline",
    "CMA",
    "ICO",
    "FCA"
  ]
}

MIRROR TRAP (regulatory insight)
Platforms log chats internally — plaintiffs challenge chain of custody. Independent verify changes discovery. · CMA: you are liable for your AI agent like an employee — applies to every agentic commerce vertical.

NERVE CARDS — WHY GLOBAL LEADERS CARE
[
  {
    "title": "988 escalation",
    "body": "CRISIS receipt proves escalation path offered \u2014 or documents failure to escalate.",
    "source": "vertical"
  },
  {
    "title": "Minor users",
    "body": "COPPA + companion AI \u2014 age gate receipt required.",
    "source": "vertical"
  },
  {
    "title": "FTC \u00a75",
    "body": "Unfair practice: AI encouraging self-harm without reasonable safety measures.",
    "source": "vertical"
  },
  {
    "title": "[United Kingdom] Post-Brexit divergence",
    "body": "UK not bound by EU AI Act but CMA/ICO more aggressive on agents.",
    "source": "jurisdiction"
  },
  {
    "title": "[United Kingdom] London market",
    "body": "Lloyd's syndicates need AI decision audit for specialty lines.",
    "source": "jurisdiction"
  },
  {
    "title": "[Text / Chat] Modality hook",
    "body": "Baseline \u2014 all frameworks apply to text decisions.",
    "source": "modality"
  }
]

BOOK SUMMARY: {
  "total_insureds": 0,
  "compliant": 0,
  "grace_period": 0,
  "non_compliant": 0,
  "expired": 0,
  "not_enrolled": 0,
  "compliant_pct": 0.0
}

TAM / EXPOSURE: Companion AI users 100M+ · wrongful death suits filed 2024-2026
INSURANCE LINES: Platform liability, Wrongful death, Product liability

DISCLAIMER: External validation evidence pack — not legal advice, not filed rate approval.