Veracent Intelligence
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One question, every firm

Each report answers the same 56 questions. This puts one of them beside every firm at once, with the passage each answer came from. Where a firm has no answer, it says so — a gap in what we found, not a mark against the firm.

Regulatory Standing

Authorisation, permissions, registered details, restrictions and jurisdictional reach.

REG-01Is the entity authorised, and by which regulator?6 of 6
REG-02What is the entity's current authorisation status?6 of 6
REG-03Which regulated permissions does the entity hold?6 of 6
REG-04Is the entity an Appointed Representative, and of whom?2 of 6
REG-05What trading names are registered to this entity?6 of 6
REG-06Do the registered office and the regulator's recorded place of business agree?6 of 6
REG-07Are there requirements, restrictions or waivers on the permissions?5 of 6
REG-08What cross-border or passporting permissions does the register record?4 of 6
REG-09Does the customer-facing brand map to the authorised entity?6 of 6
REG-10Is regulatory status disclosed clearly to customers at point of sale?1 of 6

Client Asset Protection

Segregation, custody, compensation scheme coverage and insolvency treatment.

CAP-01Does the entity hold client money or assets?6 of 6
CAP-02Who holds client money, and under which regime is it held?5 of 6
CAP-03Which institutions hold segregated client money?2 of 6
CAP-04Which entity acts as custodian for client securities?4 of 6
CAP-05Which entity acts as custodian of client assets, and is it a separate legal entity from the operator?3 of 6
CAP-06Which compensation scheme applies to the entity, or does none apply?2 of 6
CAP-07What is the per-customer compensation limit?2 of 6
CAP-08Do compensation limits differ by product held?1 of 6
CAP-09Is there evidence of independent assurance over client asset arrangements?0 of 6
CAP-10What does the entity disclose about client assets if it fails?5 of 6
CAP-11Are client assets subject to lending, rehypothecation or re-use?3 of 6

Cost Transparency

Explicit and implicit costs, and whether marketing claims match binding terms.

COST-01Is a complete fee schedule publicly available?6 of 6
COST-02What commission or dealing charges apply?5 of 6
COST-03What is the FX or currency conversion charge?5 of 6
COST-04What reference rate does the entity state it uses for currency conversion?5 of 6
COST-05What spread or implicit cost applies, and is it disclosed?2 of 6
COST-06Are there account, platform or custody fees?6 of 6
COST-07Are there inactivity or dormancy charges?1 of 6
COST-08What withdrawal, transfer-out or closure charges apply?6 of 6
COST-09Do headline marketing claims match the binding fee schedule?0 of 6
COST-10Are interest arrangements on cash balances disclosed, including any retained share?6 of 6
COST-11How much notice is given before charges or terms change?6 of 6

Security and Operational Controls

Published controls only. We do not test systems or infer posture from silence.

SEC-01Is multi-factor authentication offered, and is it mandatory or optional?5 of 6
SEC-02Are recognised security certifications held?0 of 6
SEC-03Is there a published vulnerability disclosure or bug bounty route?1 of 6
SEC-04Have security or data incidents been publicly disclosed, and how were they handled?0 of 6
SEC-05Are operational resilience or continuity arrangements disclosed?1 of 6
SEC-06Have material service outages been reported, and were they disclosed by the entity?1 of 6
SEC-07Is a data protection registration in place, and with whom?1 of 6

Corporate Transparency

Ownership, group structure, filing behaviour and audit status.

CORP-01What is the entity's registered company number and legal form?6 of 6
CORP-02Who are the persons with significant control?6 of 6
CORP-03What is the group structure above this entity?6 of 6
CORP-04Which jurisdiction is the ultimate parent registered in?6 of 6
CORP-05Are accounts filed on time and to the required standard?6 of 6
CORP-06Are the accounts audited, and by whom?5 of 6
CORP-07Is there a going-concern qualification or emphasis of matter?5 of 6
CORP-08When was the entity incorporated?6 of 6
CORP-09Have there been recent changes of control, name or registered office?6 of 6
CORP-10Are directors disqualified, or associated with disqualification?6 of 6

Conduct and Track Record

Published regulatory, ombudsman and court outcomes only.

CON-01Are there published regulatory enforcement actions against this entity?6 of 6
CON-02Are there published enforcement actions against the parent or sister entities?0 of 6
CON-03Are there published warnings or unauthorised-firm alerts naming this entity or a clone?3 of 6
CON-04What complaints data does the entity publish, as required?0 of 6
CON-05What complaint volumes does the ombudsman publish about the entity?5 of 6
CON-06Is there material litigation of public record?0 of 6
CON-07Have directors been subject to published regulatory action individually?0 of 6

The counts show how many firms we could answer for, not how many satisfy anything. A question answered for two firms and not four usually means the other four publish less about it, which is itself worth knowing.