How our services are regulated

1. Who we are

Shuttlevest Limited ("Shuttlevest", "we", "us") is a private company limited by shares, registered in England and Wales under company number 17498721. Our registered office is 128 City Road, London, EC1V 2NX, United Kingdom.

You can verify our company registration on the public Companies House register at find-and-update.company-information.service.gov.uk.

Shuttlevest builds financial technology: the mobile app, the dashboard that brings your money into one view, the AI coaching experience, the goal-tracking tools and the educational content. That is our role in everything described below.

2. Our regulatory status

We want to be direct about this because it matters. Some apps give the impression that they are themselves regulated when the regulated activity actually sits with a partner behind the scenes. We would rather you knew precisely where you stand from the start.

If and when Shuttlevest applies for, or obtains, any authorisation in its own name, we will say so on this page and publish the firm reference number so you can check it yourself.

3. How regulated services are delivered

Shuttlevest operates a partner-led model. This is a common and well-established structure in financial technology. It works like this:

Each partner is authorised and supervised by the financial regulator in the market where the service is offered — for example the Financial Conduct Authority in the United Kingdom, or the relevant securities, banking or payments regulator in other markets. Partners are selected through a due diligence process that reviews their licence and permissions, their financial standing, their safeguarding and client-money arrangements, their security and operational resilience, and their track record.

4. Who provides what

The table below sets out each planned service, who will provide it, and what that means for you. Everything in the "Provided by" column marked as a partner is a regulated activity that Shuttlevest will not carry out itself.

"Planned" means the service is in development and not yet available. No service listed above is currently being offered to the public.

5. What protects your money — and what does not

This is the part people most often get wrong, so we have set it out plainly.

6. We do not give financial advice

Shuttlevest provides information, tools, education and AI-generated guidance. None of it is regulated financial advice and none of it is a personal recommendation.

A regulated personal recommendation takes account of your full financial circumstances, your objectives, your existing commitments, your tax position and your tolerance for risk, and it is given by a firm authorised to give it. Shuttlevest does none of this.

Specifically, our AI coach:

• gives general guidance based on the information available to it in the app;
• will tell you when it is uncertain, and will explain the reasoning behind what it says;
• will not tell you to buy or sell a specific investment as a recommendation for you;
• can be wrong, incomplete or out of date, and should not be your only source;
• is not a substitute for a regulated financial adviser, an accountant or a solicitor.

If you need advice on your own situation, please speak to a suitably qualified professional. In the UK you can find a regulated adviser through the FCA's Financial Services Register, and free impartial money guidance is available from MoneyHelper.

7. Identity checks, eligibility and financial crime controls

Financial services are subject to anti-money-laundering and counter-terrorist-financing law. Before you can use a regulated service through Shuttlevest, you and our partner will need to complete checks. These include:

• verifying your identity and your address;
• confirming your country of residence and your eligibility for the specific product;
• screening against sanctions lists and politically exposed person lists;
• understanding the source of your funds where required;
• ongoing monitoring of activity for signs of fraud or financial crime.

These checks are a legal obligation, not a preference. We or our partners may decline an application, limit a service, or suspend an account where we are required to, and there are circumstances in which the law prevents us from explaining why.

Services will only be available in markets where our partners hold the right permissions. Availability depends on where you live, and a service being described on this website does not mean it will be available to you.

8. This website is not a financial promotion

This website describes a product in development and invites people to join a waitlist for news about it. It is not an offer, an inducement or an invitation to engage in investment activity, and it is not an offer of any payment, e-money or banking service.

When Shuttlevest begins to promote specific regulated products, those communications will be issued or approved by an appropriately authorised firm where the law requires it, and will carry the risk warnings and disclosures that the relevant rules demand.

Joining the waitlist creates no contract, no account, no entitlement to any product, and no obligation on you. You can leave at any time.

9. If something goes wrong

If you are unhappy with Shuttlevest — the app, our content, our support or how we have handled your data — contact us at complaints@shuttlevest.com and we will follow the process set out in our complaints policy.

If your complaint is about a regulated service — money held, a payment made, an investment executed — it will usually need to be handled by the regulated partner that provided it, because they are the regulated firm responsible for that activity. We will pass your complaint on, tell you who is handling it, and stay involved. Regulated partners operate their own complaints procedures and, where eligible, their customers may be able to refer a complaint to an independent ombudsman or dispute resolution scheme. In the UK this is the Financial Ombudsman Service. We will confirm the applicable route for each partner once named.

Because Shuttlevest Limited is not itself an FCA-authorised firm, complaints about Shuttlevest's own non-regulated activities are not eligible for referral to the Financial Ombudsman Service.

10. Keeping this page accurate

This page is maintained as the authoritative statement of how Shuttlevest's services are regulated and by whom. We will update it whenever a partner is appointed or changed, a service launches or closes, a protection changes, or our own regulatory status changes.

If anything here is unclear or appears to be out of date, please tell us at hello@shuttlevest.com. We would rather fix it than have you rely on something wrong.