Publish nothing
the FCA can
question.
PromoCheck reviews a financial promotion against the FCA rules, cites the exact rule, quotes the precise words that break it, and refuses to guess when it cannot tell. Every review is evidence you can show a regulator.
3 free checks · no card · an assistant, not an approver
Source · Growth fund promo
Invest in our Growth Fund and earn guaranteed 12% annual returns, risk-free. Past performance shows we never lose. Get started today.
of quotes are verbatim, a finding can't cite text that isn't in your promotion
false alarms on compliant promotions in our evaluation (n=100)
FCA rules, versioned, COBS 4, FSMA s21, FG24/1
tamper-evident, exportable audit trail
Who it’s for
Built for the person who has to sign it off.
PromoCheck is for the compliance officer, MLRO, and s21 approver at an FCA-regulated firm, the accountable person who has to defend a promotion to the regulator, the board, and the PI insurer. If that’s you, this is built for your fear, not your marketer’s deadline.
Our stance
Speed is easy to sell and hard to defend. We build the opposite: every finding grounded in a rule and quoted verbatim, an honest refusal when it can’t tell, a published accuracy number, and a tamper-evident record. Verification is the product, not a faster way to guess.
The exposure
One bad promotion is a supervisory problem, not a typo.
Under FSMA s21 the firm is responsible for every financial promotion it communicates. The FCA has sharpened its focus on misleading claims, buried risk warnings, and standalone social-media compliance (FG24/1). Sign-off is slow, manual, and almost impossible to evidence after the fact.
Withdrawn
Firms are routinely told to amend or pull non-compliant promotions.
No paper trail
Most teams can't show which rules were applied to a given draft, or when.
Standalone
Social posts must comply alone; 'see bio' risk warnings don't count.
How it works
From draft to a review you can stand behind, in one pass.
Paste the promotion
Landing copy, an email, an ad, or a social post. Add the audience and channel for a sharper read.
It checks every claim against the rule set
Each potential breach is tied to a specific FCA rule and the exact text that triggered it. Nothing is raised it cannot quote.
You get a defensible report
Pass, issues with fixes, or an honest refusal when the input is too thin, recorded to your audit trail.
See it work
Three promotions. Three honest answers.
A breach caught with the exact words, a compliant deposit correctly passed, and a vague teaser it refuses to guess on. This is the whole product in one glance.
“…earn guaranteed double-digit returns, risk-free.”
“guaranteed double-digit returns, risk-free”
Fix: remove “guaranteed / risk-free”; add a capital-at-risk warning.
“Earn 4.10% AER (variable). Eligible deposits protected up to £85,000 by the FSCS.”
The credibility test: it knows which rules apply, and which don’t.
“Big things coming. Don’t miss out. Link in bio.”
It refuses instead of guessing. A confident wrong answer is the failure mode designed out.
What lands on your desk
Not a verdict in a chat window. A record you can file.
Every review produces two artefacts: an evidence pack a reviewer signs off, and a tamper-evident entry in an audit trail you can hand to the FCA.
Growth Fund promotion
Issues found · 3- Firm
- Meridian Capital Ltd
- Reviewer
- a.shah@…
- Timestamp
- 2026-07-21 14:32Z
- Rule set
- fca-cobs4-v1-2026-07
“guaranteed 12% annual returns, risk-free”
“Past performance shows we never lose”
sealed & recorded to audit trail · hash 9f3c…a71b
Growth Fund promotion
14:32ISA landing page
11:07Instagram teaser
09:54Pension email
TueEach entry is hash-chained to the one before and HMAC-signed. Alter any record and verification fails, you can prove the trail is intact.
Why it holds up
The value isn’t “AI reads your promotion.” It’s that every finding is grounded and defensible.
Anything can produce a plausible opinion. A compliance tool has to produce evidence, admit what it doesn’t know, and leave a record. Enforced in code, not marketing copy.
Grounded
a real rule id and a verbatim quote behind every finding
Honest
it returns INSUFFICIENT_GROUNDING instead of a confident guess
Recorded
hash-chained, signed and versioned to your audit trail
Why not just a chatbot
The difference is what happens when it’s wrong.
A general model guesses confidently and leaves no trace. PromoCheck is built to fail safe and leave a record.
| PromoCheck | Generic AI checker | Keyword scanner | Manual sign-off | |
|---|---|---|---|---|
| Cites the exact FCA rule | ||||
| Quotes verbatim, enforced in code | ||||
| Refuses when it can't tell | ||||
| Won't over-flag compliant copy | ||||
| Tamper-evident audit trail | ||||
| Minutes, not days |
● full ◐ partial / inconsistent ○ not really. Manual sign-off is thorough but slow and hard to evidence; keyword tools are fast but over-flag and can’t cite a rule.
Everything in the box
Not a wrapper around a chatbot. A defensible compliance system.
Grounded citations
Every finding names a real rule and quotes verbatim text, enforced in code.
Defensible refusal
Returns INSUFFICIENT_GROUNDING rather than a confident guess on thin input.
Exportable evidence pack
A print/PDF record: firm, timestamp, rule-set version, cited findings.
Tamper-evident audit
Records are hash-chained and signed; any later change fails verification.
Two-model consensus
High-assurance mode: two independent models must agree, or it escalates.
Full-trail export
Download the whole audit trail as CSV or JSON, with integrity hashes.
Data-residency options
Run on a UK self-hosted model so promotions never leave your estate.
Versioned rule set
Every review records which rules were applied, and when.
Rule coverage
Grounded in the FCA financial-promotion regime.
Every check maps to a specific Handbook reference or FSMA provision, never a vague “this looks non-compliant.”
versioned
fca-cobs4-v1-2026-07
- FCNMFair, clear and not misleadingCOBS 4.2.1R
- BALBalanced presentation of benefits and risksCOBS 4.5.2R
- RISKWARNCapital-at-risk / prescribed risk warningCOBS 4.2 / COBS 4.12A
- GUARANTEENo misleading guarantees of returnCOBS 4.2.1R
- PASTPERFPast performance not presented as a guide to the futureCOBS 4.6.2R
- COSTSCosts, charges and material terms disclosedCOBS 4.2 / PRIN
- IDENTClear identification as a financial promotionCOBS 4.3 / PERG
- TARGETAppropriate for the target audienceCOBS 4.2 / COBS 4.12A
- S21Section 21 approval / authorised communicatorFSMA 2000 s21
- SOCIALStandalone compliance (social/short-form)FCA FG24/1
Data & security
Built to survive a compliance review of the tool itself.
Private to your firm
Sign in with a work email and your checks and audit trail are scoped to your firm. No one outside it can read your promotions.
Data minimisation
The audit trail keeps a short preview and a cryptographic hash of each promotion, plus the finding, never more than a review needs.
You stay responsible
PromoCheck does not approve or certify. It surfaces flags for a qualified person. The regulatory duty stays with your firm.
Transparent provider
The model provider and processing region are stated plainly, so your DPIA and vendor review have a straight answer.
Pricing
Start free. Move up when it earns it.
Trial
- Full grounded report
- Rule citations + verbatim evidence
- Refusal on thin input
Pro
- Unlimited checks
- Persistent audit-trail export
- Per-firm workspace
- Priority rule-set updates
- £1,490/year if billed annually
Firm
- Everything in Pro
- Seats, SSO and role controls
- Stated data-residency option
- Custom rule packs by product line
Questions compliance teams ask
Straight answers.
Does this approve my promotion?+
No. PromoCheck is an assistant, not an approver. It flags likely breaches with evidence for a qualified person to review. Under FCA rules, responsibility stays with your firm.
How do I know it isn't making findings up?+
Every finding must cite a real rule and quote text that appears verbatim in your promotion. Findings that fail either test are dropped in code before you see them, and an issues verdict with no valid findings is corrected to a pass.
What happens when it can't tell?+
It returns INSUFFICIENT_GROUNDING and lists what it would need to assess properly, rather than guessing. A confident wrong answer is the failure mode it's designed to avoid.
Where does my data go?+
Your checks are private to your firm. The model provider and processing region are stated so your vendor and DPIA reviews have a clear answer. See the Privacy & data page.
Can I show the FCA what was checked?+
Yes. Each review is recorded with the rule-set version applied and the outcome, so you can evidence which rules were used on a given draft and when.
Start a pilot
Run it on your own promotions, free.
Send us a handful of your recent promotions, we review them and share the evidence packs. No commitment, and you keep the records.