The software is the part that feels hard, so it gets all the attention. But the moment you hold real customer data and take real money, a different set of questions arrives, and most people building with AI cannot answer any of them. None of the three needs code. All of them decide whether a bad day is a setback or the end.
Who pays when the data leaks
If you store customer information and something goes wrong, the liability does not stay politely inside the company. It can follow you personally. Cyber liability insurance exists for exactly this: a modest yearly premium that stands between you and a breach whose cost can run many times higher.
There is a useful side effect. Before an insurer quotes you, they want to see that you have taken basic precautions, so the application form reads like a checklist of the things you should have done anyway. Getting a quote teaches you where you are exposed, whether or not you buy the policy that day.
Tell your AI: "List the customer data we store and where it lives, so I can answer a cyber insurance application honestly."
What your suppliers actually owe you
Every app is built on other people's services: the place you host, the tool that sends your email, the company that processes your payments. Each one has a terms of service document, and buried in it is a line that says how much they owe you if they let you down. It is almost always tiny.
Here is a hypothetical to make it concrete. Say a customer of yours loses ten thousand of something because a service you depend on went dark for a day. You go looking for who covers it, and the fine print caps that supplier's responsibility at the last three months of fees you paid them, which might come to sixty of the same units. The loss is yours; their exposure is a rounding error. I am inventing those numbers, but the shape is real. Read the terms before you sign, so the gap is something you chose rather than something you discover.
Tell your AI: "Summarise the liability and outage sections of the terms of service for every paid service we depend on, in plain English."
A privacy policy that tells the truth
Most privacy policies are copied from a template, and the template describes a company that is not yours. It promises to collect little while your app quietly collects a lot. That mismatch is not just untidy. It is a claim about your business that is not true.
The sharper risk hides in one right your customers may have: the right to be deleted. If someone asks you to remove them and your database cannot cleanly erase every trace, you have not merely annoyed them, you have broken the promise your own policy made. The document and the machine underneath it have to agree. Building the product was the easy part. This is the part where most people never start.
Tell your AI: "Write a privacy policy that matches exactly what we collect and how we use it, and make sure the database can fully delete one customer's data on request."