Principles and practices
Eleven principles, and the practices that keep us to them. They decide what goes into the platform and what stays out.
Spring Money does not give investment advice, does not distribute products and does not sell to your clients. Your firm does that, under its own registration.
We charge firms software fees. We take no commission or sales-linked payment from fund houses or other product makers.
When a feature serves both distributors and advisers, we build it to the stricter rule and relax it by configuration.
Your clients see your name, logo, colours and font. Spring Money is a small technology credit.
Templates we give firms carry the identity block and the standard risk warning for their registration.
Spring Sense drafts, checks and flags. A person on your team approves before anything reaches a client.
Orders wait for the client's own authentication. The platform never completes that step for them.
Clients pay through payment links and mandates. The platform does not hold client money or units.
Accounts held elsewhere come in only with the client's consent, through the account aggregator.
We design to WCAG 2.1 AA, so screens work with keyboards, screen readers and larger text.
No rankings, no return figures and no numbers we cannot source, here or anywhere else.
Every feature goes through the same checklist before it is specified. If an answer depends on a rule that is not settled, the feature waits for compliance.