Services & Costs Disclosure

Services & Costs Disclosure

Updated: 18 June 2019

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1. What services will we provide to you and what products do we cover?

We will provide you with guidance1 on the following investment types:

  • Savings: We will make a recommendation to you as to the amount we think you should save, and where we think you should put that money, after we have assessed your needs. Our recommendations will be based on a fair and comprehensive analysis of the market (not restricted to a limited number of companies).
  • Wills: We will make a recommendation to you as to whether you should make a will and the types of provisions you should make in your will. We will recommend a third-party provider which offers will writing services.
  • Investments: We will make a recommendation to you as to the amount we think you should consider investing into different types of investment, after we have assessed your needs. We do not recommend specific investment products.
  • Insurance: We will make a recommendation to you as to the type of insurance, and level of cover, which we think you should consider taking out, after we have assessed your needs. We do not recommend specific insurance products.

We will not provide you with any execution or investment management services and will not provide you with any tax or legal advice. We will not hold your money or assets (whether as client money or client assets or otherwise) at any stage.

2. What money does Multiply receive when we provide our service?

The only thing we want to get paid for is connecting people to the best products for them, at the right time, in the right amount. Multiply is fiercely independent and is not affiliated to any product providers, platforms, or price comparison sites.

At Multiply, we:

  • do not charge an upfront fee to use our service;
  • do not sell user’s data; and
  • do not allow advertising or allow companies to pay to appear on the Service.

If you purchase a product we recommend, Multiply may receive a fee depending on the product we connect you to. The details of these products and the fees that Multiply may receive from providers have been listed below:

  • Wills: When you follow our recommendation regarding a Wills product, we may make money if you purchase a Will through an affiliate link. Affiliate links look and work in the same way as normal links, but if you click through and purchase, the link is tracked and may generate a fixed payment to Multiply of between £41 and £59 on average, depending on the product you purchase.

3. What to do if you have a complaint

We will always try to provide you with the best possible service, but we recognise that there may be occasions where we fail to meet your expectations.

If you need help with any aspect of our service, then please contact our customer service team straight away by emailing If you are not happy with our response and would like to make a complaint, you should email your complaint to

If we receive a complaint from you, we will carry out an investigation and provide you with an initial response within three business days.

We will try to address all aspects of your complaint within eight weeks, and we will update you when we believe the issue is resolved. If we are unable to resolve your complaint within eight weeks we will explain to you why this has happened and will keep you updated about all measures being taken to resolve your complaint thereafter.

If you have been unable to resolve your complaint, or you are unhappy with the resolution we have provided, you may be entitled to refer it to the Financial Ombudsman Service.

Their contact details are below:

  • Phone number: 0800 023 4 567 (Monday to Friday – 8am to 8pm, Saturday – 9am to 1pm)
  • Postal address: Exchange Tower, Harbour Exchange, London, E14 9SR

4. Who regulates us?

Our legal name is Multiply AI Limited. Multiply AI Limited is authorised and regulated by the Financial Conduct Authority (Financial Register Number 801053), which can be confirmed by visiting the FCA financial register website or by contacting them on 0800 111 6768. Our Registered Office is: 3rd Floor, Rise London, 41 Luke Street, London, England, EC2A 4DP (Company Registration Number: 10470734).

5. Financial Services Compensation Scheme (FSCS)

You may be entitled to compensation from the FSCS if we cannot meet our obligations to you. In addition, the investments you make on the basis of the recommendations we provide to you may be covered by the FSCS and you may be able to claim compensation from the FSCS if the provider of any such product is unable to meet its obligations to you (e.g. if it can’t repay the amount you have provided to it to invest).

Different types of claims may bring different levels of compensation. Further information about the compensation schemes available from the FSCS in respect of different types of financial products please visit the FSCS’s website.

Anything else you want to know?

Get in touch and we'll be happy to answer any questions you have.