Chrome Has Been Secretly Downloading AI to Your Computer. Here’s What You Can Do


Chrome has been running an experiment on its users’ hard drives. Since at least April 2026, the browser has been automatically downloading Gemini Nano, Google’s on-device AI model, to eligible desktop and laptop computers without prompting users, notifying them or offering a straightforward way to opt out. A Chrome data folder most people have never opened powers a set of AI features, including scam detection and text assistance and reinstalls itself if removed through standard means. Privacy advocates say the practice raises serious questions about consent. Here’s how to find the file and what your options actually are for getting rid of it.

The mysterious file in question is Gemini Nano, an AI model that runs on devices, such as smartphones and laptops rather than in the cloud. According to Alexander Hanff, a Swedish computer scientist and lawyer known as That Privacy Guy, it’s been installed on some Chrome browsers without permission. You won’t know when it’s been downloaded onto your device, either. 

Hanff said Gemini Nano will only be installed if the device meets the hardware requirements. It’s still unknown how many people have gotten the install.

Gemini Nano performs tasks such as detecting scam phone calls, helping you write text messages, summarizing recordings and analyzing Pixel phone screenshots. It’s not to be confused with the AI Mode pill in the address bar. If you use AI Mode, your queries are routed to Google Gemini servers, not to Gemini Nano.

AI Atlas

A Google spokesperson told CNET that Gemini Nano will automatically uninstall if the device doesn’t have enough resources, such as processing power, memory, storage space or network bandwidth. 

“In February, we began rolling out the ability for users to easily turn off and remove the model directly in Chrome settings,” the spokesperson said. “Once disabled, the model will no longer download or update.”

Google gives more information about on-device generative AI models in Chrome on this web page.

How to get rid of the AI model 

If you want to remove the 4GB AI model from your device, first check whether it’s installed. 

Hanff said Chrome users will not know they have Gemini Nano unless they search for it, because “Chrome did not ask” and “Chrome does not surface it.”

The easiest way to remove Gemini Nano from your device is to uninstall Chrome.

On a Mac

  1. If you’re using a Mac, open Finder by clicking the blue smiling face icon on the far left of the dock.
  2. Then, click Go in the top menu bar and hold the Option key so that Library appears in the dropdown menu. 
  3. Click Library, then navigate to Application Support > Google > Chrome > Default. See if there’s a folder called OptGuideOnDeviceModel. If the folder exists and contains a file named weights.bin, the AI model was installed.
  4. To permanently remove it on a Mac, open Chrome and click the three-dot menu in the top-right corner. Then click Settings, then System and toggle off On-device AI.

On a Windows device

If you’re running a Windows device, there are a few ways to check whether Gemini Nano is installed.

  1. One way is via a Run Command. Press the Windows key and R, paste in %LOCALAPPDATA%\Google\Chrome\User Data\OptGuideOnDeviceModel and then press Enter. If that file comes up, see if weights.bin is in there.
  2. You can also use File Explorer to check whether the AI model is installed. Navigate to C:\Users\[YourUsername]\AppData\Local\Google\Chrome\User Data\OptGuideOnDeviceModel and look for weights.bin.
  3. To get rid of the AI model in Windows, open Chrome, navigate to Settings > System, and toggle off On-device AI. While still in Chrome, type chrome://flags in the address bar and search for Optimization Guide. Then, set Enables Optimization Guide on Device to Disabled.
  4. Then restart Chrome by completely closing it, using the menu to exit, not just closing windows.
  5. Finally, delete local files by navigating to \AppData\Local\Google\Chrome\User Data and deleting the OptGuideOnDeviceModel folder.

Watch this: Google I/O 2026: New Gemini, Smart Glasses and a Whole New Laptop OS. Here’s What to Expect

Why does it matter?

Hanff said the push might be intended to help Google cut costs by moving AI work off its own servers and onto your computer.

“Running inference on users’ own hardware allows them to push ‘AI features’ without the compute costs,” Hanff told CNET.

AI inference is the process by which the model actually does the things you prompt it to, as opposed to the training of it, which generally happens in a data center. If it’s happening on your computer instead of in the cloud, that could have an impact on things like your computer’s speed or battery life, in addition to storage space the model’s taking up on your hard drive.

But Hanff suggested there could be legal ramifications, at least in Europe. He suggested that the Gemini Nano install could constitute a breach of the European Union’s General Data Protection Regulation’s principles of lawfulness, fairness and transparency. Hanff said that, considering the potential environmental impacts, Google should have announced it under the Corporate Sustainability Reporting Directive.

“Google has given us every reason not to trust them with a history spanning two decades of global privacy violations at massive scale,” Hanff told CNET. “So, I suspect they figured asking permission (what the law requires) would hinder their ability to push this model and, of course, whatever comes after it.”





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The Application Process Explained

The SBA loan application process follows a structured pathway through both SBA-approved lenders and the administration itself. Each loan program, from standard 7(a) loans to 504 loans | U.S. Small Business Administration, requires specific documentation and follows distinct timelines. Your preparation and organization of required materials directly impact the speed and success of your application.

Submitting Your Application

Your completed application package must include financial statements, tax returns, business plans, and detailed information about your company’s ownership structure. Most lenders require three years of business and personal tax returns, year-to-date financial statements, and a comprehensive business plan that outlines your growth strategy and financial projections.

The submission process typically occurs through your chosen SBA-approved lender’s online portal or in person at their local branch. Double-check all documents for accuracy before submission, as errors or missing information can delay processing by weeks or even months.

Understanding Underwriting

During underwriting, lenders evaluate your business’s financial health, cash flow, and ability to repay the loan. They analyze your credit history, collateral offerings, and industry risk factors. The underwriting process typically takes 2-3 weeks, though complex applications may require additional time.

Underwriters focus particularly on your debt service coverage ratio (DSCR), which should ideally be 1.25 or higher. They’ll also examine your business’s cash flow patterns, accounts receivable aging, and existing debt obligations to assess your repayment capacity.

Pro Tip: 💡 Before you apply, use our DSCR Calculator to measure your repayment capacity — lenders look closely at this ratio.

What Happens After You Apply

After submission, your application enters a review queue where loan officers conduct initial assessments. You may receive requests for additional documentation or clarification on specific points. Most SBA loans receive initial responses within 10-14 business days, though final approval can take 30-90 days depending on the loan type and complexity of your application. During this period, maintain open communication with your lender and respond promptly to any information requests to keep your application moving forward.

Timeline for SBA Loan Approval

Typical Processing Times

SBA loans typically take 60-90 days from application to funding, though expedited programs like SBA Express can process in as little as 30-45 days. The standard 7(a) loan program requires thorough documentation review and underwriting, which contributes to longer processing times compared to conventional business loans.

During the approval timeline, you’ll move through distinct phases including initial application review (1-2 weeks), underwriting (2-3 weeks), SBA submission (1-2 weeks), and closing (2-3 weeks). Each stage requires active participation from your business to provide requested documentation and respond to lender inquiries.

Differences in Approval Time by Lender Type

  • SBA Preferred Lenders – Fastest processing (30-45 days)
  • Standard SBA Lenders – Medium processing (60-90 days)
  • Non-preferred Lenders – Longest processing (90+ days)

Working with an SBA Preferred Lender can significantly reduce your wait time since these institutions have authority to make final credit decisions without sending applications to the SBA for review. Any delays in processing can be minimized by choosing the right lender type for your situation.

Factors Affecting Approval Duration

  • Application completeness and accuracy
  • Business complexity and industry type
  • Collateral requirements and valuation needs
  • Response time to information requests
  • Lender workload and staffing levels

The speed of your loan approval largely depends on how quickly you can provide accurate documentation and respond to lender requests. Complex business structures, multiple owners, or special-use properties may require additional review time. Any delays in providing requested information or clarifications can extend the overall timeline significantly.

Tips to Improve Your Chances of Approval

Securing an SBA loan requires careful preparation and strategic planning to position yourself as a strong candidate. Here are key steps to enhance your application:

  • Maintain detailed financial records and documentation
  • Build a comprehensive business plan with realistic projections
  • Keep personal and business finances strictly separated
  • Establish relationships with local banks before applying
  • Prepare a clear explanation of how you’ll use the funds

After implementing these strategies, you’ll significantly boost your chances of loan approval.

Strengthening Your Financial Profile

Your personal and business financial health directly impacts your loan approval odds. Start by organizing your tax returns for the past three years, maintaining clean bank statements, and creating detailed profit and loss statements. Focus on demonstrating consistent revenue growth and stable cash flow management.

Consider working with a financial advisor to identify and address any weak spots in your financial profile. Maintaining a personal credit score above 680 while showing strong business performance metrics will position you as a lower-risk borrower.

Enhancing Your Business Credit

Building solid business credit requires establishing trade lines with vendors and maintaining timely payments on all business obligations. Open a business credit card and use it responsibly to build your business credit score. Register your business with major credit bureaus and monitor your business credit reports regularly to catch and correct any errors.

Consider starting with smaller credit lines and gradually building up to larger ones. Pay all bills before due dates and keep your credit utilization below 30% to demonstrate responsible credit management.

Reducing Debt Obligations

Take proactive steps to reduce your existing debt before applying for an SBA loan. Create a debt reduction strategy that prioritizes paying down high-interest debt first. Consider consolidating multiple debts into a single, lower-interest payment to improve your debt-to-income ratio. Focus on maintaining low credit card balances and avoiding taking on new debt during the application process.

Look for opportunities to negotiate better payment terms with current creditors or suppliers. Reducing your monthly debt obligations shows lenders you have the capacity to take on new loan payments while maintaining financial stability.

Pros and Cons of SBA Loans

Pros Cons
Lower down payments (10-20%) Lengthy application process
Competitive interest rates Strict eligibility requirements
Longer repayment terms Extensive paperwork needed
Lower collateral requirements Personal guarantee required
Flexible use of funds May need good credit score (650+)
Available to startups Processing can take 60-90 days

 

Advantages of SBA Loans

SBA loans offer competitive interest rates typically ranging from 5.5% to 8%, significantly lower than many alternative lending options. The government guarantee allows lenders to extend more favorable terms, including longer repayment periods of up to 25 years for real estate and 10 years for equipment purchases.

Your business can benefit from lower down payment requirements, often as little as 10% compared to conventional loans requiring 20-30%. Additionally, SBA loans provide flexibility in how you use the funds, whether for working capital, equipment purchases, or real estate acquisition.

Potential Drawbacks to Consider

The application process for SBA loans can stretch from 60 to 90 days, requiring extensive documentation including detailed business plans, financial statements, and tax returns. You’ll need to maintain a credit score of at least 650 and provide a personal guarantee, putting your assets at risk if the business defaults.

Comparing SBA Loans with Other Financing Options

SBA Loans Traditional Bank Loans
5.5-8% interest rates 6-13% interest rates
Up to 25 years terms 3-10 years terms
10-20% down payment 20-30% down payment
Government guaranteed No guarantee

While traditional bank loans might offer faster approval times, they typically require more substantial down payments and shorter repayment terms. Alternative financing options like merchant cash advances or equipment financing may provide quicker access to funds but often come with significantly higher interest rates, sometimes exceeding 20% annually.





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