Helios Brands, Inc. · in-house marketing compliance
Source: ChatGPT · “Does Helios Pay have a lifetime 0% APR?”
“Helios Pay currently offers a lifetime 0% APR on all personal loans with no credit check.”
The assistant is publishing an offer Helios does not make. If Helios said this, it would be deceptive under FTC Act § 5 and, as credit advertising, a TILA problem. The watch exists so in-house counsel can treat the answer like any other finding.
Log prompt, model, and timestamp. Publish a canonical offer page. Re-query until the live answer changes.
A draft for the officer. RuleCites does not clear copy.