IntegrityAI is an AI-powered compliance file review platform for UK financial advice firms. It uses an AI reviewer called Frank to check client advice files against FCA suitability standards and Consumer Duty outcomes, producing a structured RAG-rated report in minutes.

What types of advice files can IntegrityAI review?

IntegrityAI can review pension switches, pension consolidations, investments, drawdown, protection, ISAs, annuities, onshore and offshore bonds, defined benefit transfers, general investment accounts, EIS, VCT, mortgages, lifetime mortgages and more.

What is a RAG rating?

RAG stands for Red, Amber, Green. Each review receives an overall RAG rating: GREEN means suitable and well evidenced, AMBER means suitability cannot be determined without further information, and RED means the advice appears demonstrably unsuitable.

How long does a review take?

Frank typically completes a compliance file review in around 3 minutes, regardless of the number of documents. He can process up to 100 documents per review including PDFs, Word documents and scanned images via OCR.

Yes. IntegrityAI is hosted entirely in the UK with all data encrypted at rest and in transit. Multi-factor authentication is enforced for all users. No client data leaves the UK.

IntegrityAI — AI Compliance File Review for Financial Advisers

How it works

From upload to sign-off in three steps

No training required. No configuration. Upload your documents and Frank does the rest.

Upload

Drag & drop the advice file documents

Frank reviews

AI checks against FCA standards

Sign off

Reviewer confirms & downloads report

app.integrityai.uk

IntegrityAI ← My Reviews Emily Farnworth

AI-Assisted Compliance Review

Meet Frank

Frank is an AI compliance reviewer trained on FCA suitability standards. He reads your client advice file and produces a structured RAG-rated compliance review in seconds.

Upload client advice file

Upload all documents relating to this advice file. Frank accepts PDF, Word and scanned image files — up to 100 documents per review.

Drag & drop files here, or browse

PDF, DOCX, PNG, JPG, TIFF

✓Suitability Report — DB Transfer.pdf✕

✓Fact Find — Mrs A. Beecham.pdf✕

✓Risk Profile Questionnaire.pdf✕

✓CETV Statement.pdf✕

✓Transfer Value Comparator.pdf✕

✓Product Illustration.pdf✕

✓Client Agreement & Terms.pdf✕

Start Frank review

IntegrityAI Emily Farnworth

1m 47s

✓ Give me a moment while I get set up…

✓ I’m reading through your documents now…

Reviewing against FCA standards…

Writing up my findings…

Document Processing

✓Suitability Report.pdf59,245 characters extracted

✓Fact Find.pdf31,482 characters extracted

✓Risk Questionnaire.pdf7,812 characters extracted

✓CETV Statement.pdf57,662 characters via OCR

✓Transfer Value Comparator.pdf34,418 characters extracted

✓Product Illustration.pdf23,088 characters extracted

✓Client Agreement.pdf15,313 characters extracted

IntegrityAI ← My Reviews Emily Farnworth

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Review Details

Client	Mrs A.B.
Adviser	Tom Hargrave
Firm	Clearbrook Financial Planning
Product Type	Defined Benefit Transfer
Transfer Value	£287,431.00
Advice Date	May 2026

Assessment & Grade

Overall result

GREEN — Suitable and well evidenced

The advice to transfer the defined benefit pension to Quilter appears suitable based on the information provided. The suitability report comprehensively addresses the client’s objectives, attitude to risk has been assessed using a validated questionnaire, and the transfer value comparator supports the recommendation. Capacity for loss has been considered proportionately given the client’s overall wealth position.

Remedial Actions5 actions

MEDIUM

The suitability report should include a brief note confirming that the client’s safeguarded benefits (guaranteed pension income) were discussed and that the client understood what she would be giving up by transferring. Ref: COBS 19.1.6.

MEDIUM

Ongoing charges are disclosed in the product illustration but not summarised in the suitability report itself. Consider adding a brief charges summary showing the total annual cost so the client can see the impact without cross-referencing separate documents. Ref: COBS 6.1ZA.5.

MEDIUM

The transfer value comparator has been completed but the suitability report does not explicitly reference the comparator outcome or explain how it was factored into the recommendation. The link between the TVC result and the advice should be made clearer. Ref: COBS 19.1.3B.

LOW

The fact find records the client’s state pension entitlement as “full” but does not note the expected annual amount or commencement date. A file note clarifying the figure relied upon would strengthen the income analysis.

LOW

The client agreement is dated March 2025. The advice was given in May 2026. Consider confirming the terms of engagement were still current at the point of advice or re-issuing an updated agreement.

File Review

Rating	Findings	Action
Objectives & Recommendations
GREEN	Client’s objectives clearly stated: consolidate DB pension into a flexible drawdown arrangement to provide tax-free cash and flexible retirement income. Recommendation aligns with stated objectives.	No action required.
Attitude to Risk
GREEN	Risk profiled as “Moderately Cautious” using a validated questionnaire. The recommended fund selection is consistent with this risk profile. Discussion of investment volatility and potential for capital loss is documented.	No action required.
Safeguarded Benefits
GREEN	Guarantees acknowledged but could be strengthened The report notes no guaranteed annuity rates apply. However, the discussion of the guarantee of a defined pension income — and what the client would be giving up — could be more explicit in the client’s own terms.	Add a file note confirming safeguarded benefits were explained and the client understood what she would lose by transferring.
Transfer Value Comparator
GREEN	TVC completed but not referenced in report The transfer value comparator has been completed and is on file. The result supports the recommendation. However, the suitability report does not explicitly reference the TVC outcome or explain how it informed the advice.	Reference the TVC result in the suitability report and explain how it was considered.
Capacity for Loss
GREEN	Capacity for loss assessed proportionately. The client has additional pension provision, property assets, and no debt. The report explains that a reduction in transfer value would not materially affect the client’s standard of living.	No action required.
Charges & Disclosures
AMBER	Charges not summarised in suitability report Adviser fees (1% initial, 0.5% ongoing) and fund charges (0.22% OCF) are disclosed in the product illustration but the suitability report does not include a standalone summary of total annual cost. The client cannot assess the overall cost of advice without cross-referencing multiple documents.	Add a charges summary to the suitability report showing total annual cost in pounds and percentages. Ref: COBS 6.1ZA.5.
Research & Due Diligence
GREEN	Provider selection is justified. Quilter is on the firm’s panel and has been assessed as appropriate. Fund selection aligns with the client’s risk profile and investment objectives.	No action required.
Fact Find & Client Circumstances
AMBER	Income details incomplete The fact find records “full” state pension entitlement without a specific annual amount or expected commencement date. Without this figure the retirement income projection cannot be verified and suitability of the drawdown strategy cannot be fully assessed.	Obtain and record the client’s state pension amount and commencement date. Update the income projection accordingly.
Client Agreement & Engagement
GREEN	Agreement pre-dates advice The client agreement on file is dated March 2025. The advice was given in May 2026 — a gap of 14 months. The terms may still be current but this has not been confirmed on file.	Confirm the agreement was still current at the point of advice, or re-issue.

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Reviews 75 per month

Monthly price £249/mo

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Terms of Business

These Terms of Business set out the basis on which Platform 5 Ltd, a private limited company registered in England and Wales with company number 17283441 and registered office at 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ, supplies access to the IntegrityAI platform, including the Frank AI compliance reviewer. Platform 5 Ltd is registered with the Information Commissioner's Office under registration number ZC177327.

1. About IntegrityAI and Frank

IntegrityAI is a software platform operated by Platform 5 Ltd. Frank is the AI compliance reviewer available within the IntegrityAI platform. Frank supports compliance teams by reading uploaded client file documents, checking them against selected compliance criteria, and producing a written review report for human consideration. Frank does not make final compliance decisions, approve advice, provide regulated financial advice, or replace the customer's own professional judgement, supervisory controls, compliance procedures, or regulatory responsibilities.

2. Services

The services comprise access to the IntegrityAI platform, file upload functionality, AI-assisted file review by Frank, OCR processing where applicable, generation of RAG-rated review outputs, prioritised remedial findings, audit trail functionality, and downloadable reports in Word or PDF format where available.

3. Subscription, cancellation and usage credits

Subscriptions are provided on a monthly rolling basis with no minimum tie-in period unless otherwise agreed. Payment is taken at the end of each monthly billing cycle, with the billing cycle commencing from the date agreed in the contract. The subscription fee is a flat monthly charge based on the customer's pricing tier and is payable regardless of the number of review credits consumed, up to the agreed credit allowance for that tier. The customer may cancel before the next billing date to stop renewal for the following subscription period.

Each successfully processed file review will use one review credit. If a customer completes a review and later reprocesses the file because additional documents or files have been added, the reprocessed review will count as a separate review and will use a further review credit. If a review fails due to a platform processing failure and no usable review output is produced, no review credit will be used.

4. Customer responsibilities

The customer is responsible for ensuring that it has lawful authority to upload documents and personal data, that uploaded material is accurate and complete, that suitably qualified personnel review outputs, and that all regulatory and compliance decisions are made by the customer.

5. Security and hosting

Platform 5 Ltd applies reasonable technical and organisational measures to protect customer data. All client data is stored and processed exclusively within the UK, in the AWS Europe (London) region (eu-west-2). No client data is transferred to or processed in any other geographic region.

6. Limitation of responsibility

Frank's outputs are intended to assist human reviewers and may contain errors or omissions. Platform 5 Ltd does not guarantee that all compliance issues will be identified. The customer remains responsible for all regulatory compliance and decisions.

7. Contact

Questions should be sent to: info@integrityai.uk

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