TRUST

You decide what's shared.

Every permission says what is shared, with whom, why and for how long. It can be withdrawn at any time. MIZAN prepares the work. Lenders and insurers make the decisions.

Talk to usWhat MIZAN will not do

MIZAN PREPARESHOUSEHOLDS PERMITLENDERS AND INSURERS DECIDE

WHAT IS SHAREDWHO GETS ITSTATUS
Mortgage details and value estimatefor 60 daysYour chosen lender, to review the fixed rateWAITING FOR YOU
Home insurance scheduleuntil renewalYour insurer, to prepare the renewalSHARED
Engineer's certificateone-offYour insurer, to pay the reward✓ CHECKED

You can withdraw any permission at any time.

Commitments

What MIZAN will not do.

These hold wherever MIZAN is used, whoever the institution and however the agent is branded.

Make a regulated decisionLending, underwriting, pricing and advice stay with the institution.
Share without a destinationEvery share names a recipient, a purpose and an end date.
Reward data sharingRewards pay for verified actions in the home, never for handing over data.
Hand over the home's recordNo institution gets the home's record by default. Each receives only the information for the agreed purpose the household permits.
The loop

Who is responsible at each step.

The same loop runs for every event in every home. Here it is for 12 Cedar Road, Bristol's fixed-rate end, paused where it should be: waiting for the household.

Paused where it should be: waiting for the household.
Detect
Explain
Prepare
Request permission
Route
Institution decides
Verify
Remember
MIZAN
Rate ends 4 Apr 2027
Why it matters now
Case prepared
Asks
Routes
Never decides
Checks outcome
Household
Permit, decline or choose
Institution
Lends, prices, advises
HomeGraph
Written back to HomeGraph · ready for the next event
Solid · done   Ring · now   Outline · not yetDashed band · regulated decisions
  1. MIZAN · doneDetect · Explain · PrepareRate ends 4 Apr 2027. Case prepared.
  2. Household · nowPermit, decline or choose a destinationNothing moves until they answer.
  3. MIZAN · nextRouteOnly to the destination chosen.
  4. Regulated decisions are made here: lending, underwriting, pricing, advice
  5. InstitutionDecidesMIZAN never decides.
  6. MIZANVerifyThe outcome is checked.
  7. HomeGraphRememberWritten back to HomeGraph. Ready for the next event.
Permission

Every permission names a purpose and an end date.

Each one names what, with whom, why and until when. The household can see every use and end it at any time.

RequestedBy MIZAN, for one task
GrantedWhat · with whom · why · until
UsedEach use logged to the ledger
Expired or revokedAccess ends. Entries are never altered; corrections are added, and deletion follows the household’s rights.
DeclinedA valid state. MIZAN works from estimates instead.
Awaiting permission

Share your prepared retention case?

What
Value estimate, affordability summary, current mortgage
With whom
The destination you choose
Why
So they can review an offer before your fixed rate ends
Until
60 days, or until you revoke
Who decides
The lender makes every lending and pricing decision
Revocable at any time
HomeGraph ledger · 12 Cedar Road, Bristol · entries never altered, corrections added
02 Oct 09:11Mortgage statement readsource: household upload · granted: household
02 Oct 09:12Insurance schedule readsource: household upload · granted: household
04 Oct 09:13Renewal case preparedby: MIZAN · from the rebuild value
04 Oct 09:15Permission requestedretention case · awaiting: household
04 Oct 09:16Bank transactionsrequested · not granted · estimates used
Sources and limits

Check the source of each fact and the limits on each action.

Every fact in HomeGraph carries its source, its date and the permission it came with. Institutions see that before they rely on it. Households see what the agent may do before it does it.

Fact inspector
Protection · Rebuild value
£265,000 VERIFIED
Source
Home insurance schedule, uploaded by household
As of
2 Oct 2026
Permission
Read insurance documents · granted 2 Oct · revocable
Used in
Total cost to own · renewal preparation
Autonomy levels
01ObserveReads the record and watches for events.
02ExplainExplains what is coming and why it matters.
03PrepareAssembles the case. Nothing leaves the home.
04Act within limitsBooks a service up to a limit the household sets.

The household sets the ceiling. Verified completions earn the next gate. A serious error, or a revoked permission, takes the agent back a step.

Better information on every home you insure or lend against.

MIZAN PREPARES · HOUSEHOLDS PERMIT · INSTITUTIONS DECIDE

Talk to usSee the API

tahir@mizan-os.ai