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This is the 2nd time I've seen someone confused about this. The safety filtering is a layer on top of the model's built in ability to refuse, similar to OpenAI's "moderation" endpoint.

This is true but still Gemini is by far the least restrictive Sota LLM out there (once all safety settings are none)

No, because Google still won't explicitly clarify privacy/HIPAA-compliance on these.

Looks like this is only possible with some prior manual action:

To access the BLOCK_NONE setting, you can:

Apply for the allowlist through the Gemini safety filter allowlist form,

or

Switch your account type to monthly invoiced billing with the Google Cloud invoiced billing reference.

no. only 4 categories can be blocked, while the others cannot be disabled.