Module A
Vulnerable customer register
Reviews chase themselves. PDF on demand.
Record drivers, severity, and adjustments. Six-month review reminders. Soft delete keeps the audit trail intact. Export PDF or CSV the moment an inspector asks.
Built for FCA Consumer Duty · EU data residency (Ireland)
Stop wrestling with Consumer Duty spreadsheets at 11pm before the board meeting.
DutyDesk is focused Consumer Duty software for IFAs and financial advice firms with 1–15 advisers. Vulnerable customer register, fair-value assessments, outcome monitoring, and AI-drafted board reports — with the audit trail an FCA inspector expects.
Watch the 3½-minute demoNo credit cardEU hosting (Ireland)Tenant-isolated at the database
dutydesk.uk/dashboard
Good morning, Pippa.
Vulnerable
23
+2 this month
Reviews due
4
2 overdue
Products
7
all approved
Board report
Q2
due 30 Jun
Action requiredView all →
Review overdue: Mr P. Davies (Health · High)Overdue 6d
Annual fair-value: Pension Transfer ServiceDue 14d
Complaints (per 1000) trending up — Q2Amber
Outcome trend · ComplaintsRAG · Amber
Built in Canterbury for small UK advice firmsEngineering pedigree: PIMCO · S&P Global · JPMorgan
Four modules, one workspace
Each FCA obligation, with the audit trail an inspector expects
Together the four modules hold the evidence behind the four Consumer Duty outcomes — products and services, price and value, consumer understanding and consumer support — with one audit log, one sign-off pattern and one firm-wide view. No plugin sprawl, no spreadsheets, no Word docs.
Module B
Fair-value assessments
Six FCA-aligned sections, two-person sign-off.
Cost summary, benefit summary, comparator data, vulnerable impact, governance, conclusion. AI drafts prose from your bullets. Drafter ≠ approver, enforced at the database. Prior versions auto-supersede on approval.
Module C
Outcome monitoring
Ten ready metrics. RAG dots. Trend charts.
A curated library across the four FCA pillars, plus your own. Threshold bands, target lines, RAG dots that respect direction. Log monthly readings — that’s it.
Module D · the killer feature
AI-drafted Consumer Duty board report
Three days of work in 45 minutes.
Quarterly or annual. Nine sections, each drafted from your real numbers across A/B/C — never invented. Export to PDF or Word with the cover sign-off block already filled. Anti-hallucination contract on every prompt.
The job we built this for
A practice principal who doubles as compliance officer loses two to three full days to every Consumer Duty board report — evenings reconciling spreadsheets, reformatting Word documents, second-guessing what the FCA expects to see.
DutyDesk turns that into about forty-five minutes of review and edit: the register, assessments and metrics are already structured, and the report drafts itself from your firm's real numbers — never invented ones.
Built for a regulated audience
Trust signals are the product, not the marketing
Compliance buyers are risk-averse for a reason. Every line below is enforced in code or in our platform configuration, not asserted in copy.
eu-west-1
EU data residency (Ireland)
Hosted on Supabase in Ireland, isolated from every other firm at the database.
100%
Mutations audited
Every create, update, sign-off and delete is in the audit log — automatically.
2
Person sign-off
Drafter ≠ approver enforced at the database. Solo-tier firms get a single-signature record.
Daily
Encrypted backups
Daily encrypted backups with seven-day retention, held in the EU.
Pricing
Consumer Duty software priced for a small-firm budget
14-day free trial on every plan. No per-customer charges. Cancel any time.
Solo
Single principal · self-employed adviser
£79/month
Billed monthly
- All four modules
- Single-signature sign-off
- 100 fair-value and 50 board-report AI section drafts a month
- UK email support
- Two-person sign-off (single user)
Practice
2–5 advisers + a compliance officer
£199/month
Billed monthly
- Everything in Solo, plus:
- Two-person sign-off on assessments & reports
- Up to 5 user seats
- Unlimited fair-value and 200 board-report AI section drafts a month
- Read-only auditor seat included
- Priority support
Practice+
6–15 advisers · multi-office
£499/month
Billed monthly
- Everything in Practice, plus:
- Up to 15 user seats
- Unlimited AI section drafts
- Dedicated onboarding call
Frequently asked
Consumer Duty software: the questions a compliance buyer always asks
Is DutyDesk FCA-approved or endorsed?
The FCA regulates firms rather than the tools they use, so it does not approve or endorse any software. What DutyDesk does is implement the obligations of Principle 12 and PRIN 2A (the Consumer Duty) faithfully, with the evidentiary controls (audit trail, sign-off, version history) an FCA supervisor would expect to see when reviewing your firm’s records.
Where is our customer data held?
Your records are stored in the EU, on Supabase’s eu-west-1 (Ireland) region, isolated from every other firm by database-level row security rather than by application code. AI drafting is built so that your customers’ names and reference numbers are never passed to the AI provider. Drafting works from aggregate counts and your own written text, so a named individual’s vulnerability record is never part of an AI prompt. The AI model runs on Anthropic’s infrastructure in the United States; our privacy policy sets out that transfer, the safeguards that cover it and the other providers we use.
Can my external auditor view our records without a paid seat?
Yes — the Practice and Practice+ tiers include a read-only auditor seat, and it sits on top of your adviser seats rather than using one up. Invite them from Settings with the read-only role: they are emailed a single-use link to set their own password, so no password is shared with anyone — not even with you. They then see everything an FCA reviewer would see and can’t change a thing. Settings → Users & roles shows you when each person last signed in, and you can remove the seat the day the audit ends.
What happens to our records if we leave?
Export everything at any time from Settings — a complete JSON archive of every record, or per-table CSV, including the audit log. Take that export before you close the account: closing ends access for everyone at the firm, so the export has to come first. Nothing is deleted on the day you close — we keep your records for 90 days in case you change your mind, and inside that window an email to khuram@appstackx.co.uk will reopen the account or send you a copy of your data. After 90 days it is permanently deleted.
Do we need to migrate from our spreadsheet workflow?
You can start fresh — new records from the start of a new quarter. That’s fine for compliance: the obligation is forward-looking. If you need to import historic vulnerable-customer records or product assessments, we’ll do a one-off migration call and import from your CSV.
What if the AI gets something wrong in our board report?
Every AI-drafted section is editable, marked "AI-drafted · review before submitting", and rolled into the two-person sign-off — your compliance officer reads and approves before anything reaches the board. The prompts are version-controlled and have an explicit anti-hallucination contract: use only provided data, cite specific numbers, no vague quantifiers.
KM
Khuram Masood, Founder & Engineer
AppstackX Ltd · ex-PIMCO · ex-S&P Global · ex-JPMorgan · Canterbury, UK
I built DutyDesk because every small adviser firm I spoke to was running Consumer Duty out of two spreadsheets and a folder of Word docs. The work is necessary; the tooling is wrong. You shouldn't be reformatting a board report at 11pm.
DutyDesk is a single, opinionated product — not a CRM, not a regtech platform. The four obligations, with the audit trail. If you'd like a 20-minute walkthrough before signing up, send me an email and I'll show you the product personally.
Get your first board report drafted by Friday
Set up takes about 20 minutes. The 14-day trial is the full product, no card needed.
Book a demo
Twenty minutes with the person who built it
No sales team and no slide deck — Khuram runs every demo himself. Bring your last board report and he will show you what DutyDesk would have done with it.
- A walk through all four modules with your own obligations in mind, not a generic tour.
- A straight answer on whether DutyDesk is the right fit for your firm.
- Time for the questions a compliance officer has to ask: data residency, audit trail, sign-off, what happens if you leave.
Khuram replies personally, usually within one working day. Nothing is booked until you have agreed a time that suits you.