Is Intercom Fin's AI Agent label on by default?

Intercom publishes two help articles on this, and they disagree. We checked both on 30 October 2026.

• Intercom Help: AI Agent disclosure (updated 30 June 2026) says the toggle is "on by default for all customers using Fin AI Agent in the Messenger up until the 10 July 2025" and off by default for everyone else.
• Fin Help: What is AI Agent disclosure (updated 6 March 2026) says it is "On by default if you deployed Fin before July 30, 2025."
• Intercom changelog 96733 (11 July 2025) says the toggle is "ON by default if you're already using Fin". It gives no cut-off date, so it doesn't settle 10 vs 30 July.

We can't tell which date is right, and it only matters if you started Fin in July 2025. Either way, check the setting itself.

To check the Fin AI Agent label, open your Identity settings, turn on "Show AI Agent label in Messenger", then confirm it appears in Messenger on your live site.

1. Open the Identity settings. Intercom Help gives the path Fin AI Agent > Fin settings > Identity; Fin Help gives Settings > Reply Settings > Identity. Your menu may differ.
2. Look at "Show AI Agent label in Messenger". If it's off, turn it on. When it's on, an "AI Agent" label appears after Fin's name on its replies.
3. Check Fin's first message. Intercom's default intro is: "Hi there, you're speaking with Fin AI Agent. I'm well trained and ready to assist you today, but you can ask for the team at any time." Intercom doesn't change intros you've customised, and Fin Help says: "Workflows created before July 30, 2025 won't include the intro message." If yours doesn't, add a message step before "Let Fin answer".
4. Open Messenger on your live site as a visitor and check that the label and first message appear.

Also look at:

• Email answers. In Intercom Help, the toggle "Show 'Composed by AI' in email footer" is under Fin AI Agent > Fin settings > General and is on by default; keep it on. Fin Help describes the same footer as on by default for Zendesk tickets and Salesforce cases.
• Fin's name. If you renamed Fin to a human first name, change it back or add "AI" to it.

Full vendor walkthrough (Intercom, Zendesk, Drift, Crisp): how to add an AI disclosure to Intercom, Zendesk, Drift and Crisp.

Even with the label on, Fin's first message should say it is an AI, so visitors see the disclosure before they ask anything. For example:

More wording and placement options: AI chatbot disclaimer template. Deeper Art. 50(1)/50(5) context: Article 50 chatbot disclosure.

Article 50(1) formally places the transparency duty on the provider. For an off-the-shelf Fin AI Agent, that is most likely Intercom. In practice you still control what visitors see: Fin's name, avatar, greeting, Identity label, and intro settings. If the widget appears on your site under a human first name with no AI label or first-message disclosure, the gap is on your website and under your brand. For the provider-vs-deployer explanation, see does my chatbot need an AI disclosure? Breaches of Article 50 can be fined up to €15 million or 3% of worldwide annual turnover, whichever is higher (the lower of the two for SMEs), under Art. 99(4)(g) and 99(6).

A free Article50.io scan loads one public page, detects Intercom by its scripts, looks for AI-disclosure wording on the page, and, as the chat widget first loads, reads text inside chat-like frames among the first 25 frames on the page. It does not open the chat or start a conversation, so it can't see a disclosure that only appears once a conversation starts, such as Intercom's AI Agent label on Fin's replies, and may still flag the page. More detail: how the scan works.

Treat a flag as "no disclosure is visible before the chat is used," then open Messenger yourself and check the Identity label and first message. A clean result is not a compliance clearance.