# DenQAI: lender data boundary

File-specific companion · 2026-09-10

## Purpose

What information will a practice lender and its partners receive, and on what terms?

**Who:** Borrower and independent transaction counsel

**Records:** Lender application/disclosures; recipient and referral terms; comparable loan proposals; data-use, retention, and appraisal-access terms.

## Complete the file

1. Use Identify every recipient to map entities, purpose, data, authorization, retention, and onward disclosure.
2. Apply Protect the negotiation ceiling and adapt Ask in writing with counsel to the actual transaction.
3. Compare the actual loan on common terms and review the stated legal scope with the relevant documents.

## Definitions

- **Negotiation ceiling:** Maximum financing or liquidity information that may affect bargaining if disclosed.
- **Global cash flow:** Lender-defined analysis including relevant borrower and related obligations, requiring review of its assumptions.
- **Reliance rights:** Who may rely on an appraisal or valuation under its engagement terms.

## Fictional example

Fictional example: The borrower asks whether a contractor will receive the maximum loan approval or only the approved project scope and obtains a written recipient description.

## Review and next action

Obtain written answers about material recipients and compare documented proposals before disclosing beyond the agreed purpose.

This Markdown checklist is a documentation aid, not a legal demand or conclusion that consumer privacy rules govern a business loan.

[Related DenQAI guide](https://denqai.com/system/decision-chain)

## AI coach prompt

Help me use DenQAI’s lender data boundary. My question is: What information will a practice lender and its partners receive, and on what terms? Explain these terms in plain language: Negotiation ceiling, Global cash flow, Reliance rights. Ask one question at a time about the required records: Lender application/disclosures; recipient and referral terms; comparable loan proposals; data-use, retention, and appraisal-access terms. Walk through the supplied fictional example before asking me for inputs. Treat every missing value as unknown, not zero. Do not invent source records, contract terms, legal conclusions, or clinical facts. Use only permitted fictional or aggregate, non-identifying information. Follow this boundary: This Markdown checklist is a documentation aid, not a legal demand or conclusion that consumer privacy rules govern a business loan. End with the missing evidence and this next step: Obtain written answers about material recipients and compare documented proposals before disclosing beyond the agreed purpose.

## AI review prompt

Review my permitted fictional or aggregate draft of DenQAI’s lender data boundary against the file instructions. Check each required field and period, units, evidence locator, assumptions, arithmetic where formulas are actually supplied, and unresolved contradictions. Check the sequence: Use Identify every recipient to map entities, purpose, data, authorization, retention, and onward disclosure. Apply Protect the negotiation ceiling and adapt Ask in writing with counsel to the actual transaction. Compare the actual loan on common terms and review the stated legal scope with the relevant documents. Separate facts from assumptions and missing records. Do not supply unsupported numbers or make a professional decision for me. Apply this limitation: This Markdown checklist is a documentation aid, not a legal demand or conclusion that consumer privacy rules govern a business loan. Return corrections, questions for the responsible reviewer, and the next action.