Protection Hub Documentation

Compliance & Regulatory Framework

The Protection Hub is designed to support FCA compliance requirements for protection advice. Lynton Mortgages is part of the Just Mortgages network (Openwork), which is authorised and regulated by the Financial Conduct Authority.

Regulatory Context

• Network: Just Mortgages (part of Openwork)
• Regulation: FCA authorised and regulated
• Advice type: Protection advice alongside mortgage advice
• Fee structure: Fee-free option, or £345 for extra work on purchases

Compliance Features Built Into the Platform

1. Risk Acknowledgement (Decline Flow)

When a client declines protection, they must individually acknowledge five specific risk statements before the decline can be processed. This creates a clear audit trail showing the client was informed of the risks and chose to decline.

2. Digital Declaration

All decisions (proceed, park, decline) require a digital signature with:

• Typed full name
• Timestamp
• IP address
• User agent (browser information)

3. Activity Logging

Every client interaction is logged with timestamps, creating a complete audit trail of the advice journey. This includes when they opened the link, viewed each page, started/completed the questionnaire, watched the recommendation video, and made their decision.

4. Email Records

All emails sent to clients are logged with full content, delivery status, and timestamps.

5. Follow-Up System

Automatic 3/6/12-month follow-up reminders for parked and declined clients ensure ongoing duty of care.

6. Fact-Find (Risk Review)

The Risk Review questionnaire serves as a digital fact-find, collecting all the information needed to make suitable protection recommendations. Responses are stored permanently and viewable in the admin interface.

7. Suitability Evidence

The combination of:

• Client's questionnaire responses (needs, priorities, budget, health)
• Adviser's personalised video recommendation
• Written recommendations summary
• Client's informed decision with digital signature

...creates a comprehensive suitability evidence trail for each client.

8. Application Tracking

For clients who proceed, the platform tracks the application through multiple statuses: submitted, under review, GP requested, awaiting GP, decision received, on risk, declined by provider, or non-standard terms. Each status change is recorded with timestamps and notes.

Regulatory Footer

All client-facing pages include the regulatory footer: "Your home may be repossessed if you do not keep up repayments on your mortgage."

All emails include: "Lynton Mortgages Ltd | Authorised and Regulated by the FCA"