VELARU MANDATE EXHIBIT PACK — AUTO CLAIMS AI
Jurisdiction: Australia (au)
Modality: Text / Chat
Program: Velaru Auto Claims AI · Australia (galactic_insurance_claims_auto_au)
Product ID: insurance_claims_auto:au:bundle:text
Vertical: insurance_claims_auto
Generated: 2026-08-25T14:33:27.704392Z
Authority: Australia APRA AI Pack — Auto Claims AI External Validation Pack
Deadline: Privacy Act reforms + APRA CPS 234
Velaru verify: https://velaru-erra.onrender.com/verify

EXHIBIT A — AI INVENTORY
[]

EXHIBIT B — GOVERNANCE FRAMEWORK
{
  "framework": "Velaru Mandate Registry \u2014 Auto Claims AI",
  "exhibit_authority": "Australia APRA AI Pack \u2014 Auto Claims AI External Validation Pack",
  "regulatory_frameworks": [
    "NAIC Model Bulletin",
    "EU AI Act Annex III",
    "Colorado AI Act",
    "Privacy Act reforms",
    "APRA CPS 234",
    "ASIC AI guidance",
    "Online Safety Act"
  ],
  "standards_alignment": [
    "POSS-2",
    "DRP-1",
    "TCB",
    "FRE 707 pre-compliance",
    "ISO 42001"
  ],
  "human_oversight": "execute Auto Claims AI AI decision",
  "third_party_verification": "https://velaru-erra.onrender.com/verify (operator-independent)",
  "data_lineage": "Hash-chained Ed25519 receipts; optional RFC3161 + external anchor",
  "mirror_trap": "Carrier owns bad faith \u2014 AI vendor owns API SLA \u00b7 APRA expects bank AI incident documentation within 72h \u2014 receipt enables notification.",
  "chain_integrity": {
    "depth": 6,
    "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": "Total loss AI estimate \u2014 insured disputes AI appraisal",
  "global_leaders_addressed": [
    "State Farm",
    "Tractable",
    "NAIC",
    "APRA",
    "Commonwealth Bank",
    "BHP",
    "OAIC"
  ]
}

MIRROR TRAP (regulatory insight)
Carrier owns bad faith — AI vendor owns API SLA · APRA expects bank AI incident documentation within 72h — receipt enables notification.

NERVE CARDS — WHY GLOBAL LEADERS CARE
[
  {
    "title": "Bad faith",
    "body": "AI lowball total loss \u2014 receipt of comparable analysis required.",
    "source": "vertical"
  },
  {
    "title": "Photo estimate",
    "body": "Tractable/Lemonade AI \u2014 visual hash in receipt",
    "source": "vertical"
  },
  {
    "title": "[Australia] Mining + AI",
    "body": "Australia resource sector AI \u2014 WHS obligations for automated safety decisions.",
    "source": "jurisdiction"
  },
  {
    "title": "[Australia] Insurance pool",
    "body": "APRA general insurance AI pricing scrutiny \u2014 asymmetry feed relevant.",
    "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: $300B auto claims
INSURANCE LINES: E&O, Cyber, Sector liability

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