Disclosure & Informational Protocol

StartupShield (AlgoRisk AI Ltd) is NOT authorised or regulated by the Financial Conduct Authority (FCA).

1. Purpose of the Platform

StartupShield.uk is a technology-led informational environment and diagnostic tool. Our primary objective is to assist UK-based founders, directors, and business owners in identifying common risk vectors and understanding the typical insurance considerations associated with high-growth commercial activity.

The information, guides, and diagnostic results provided on this platform are for educational and informational purposes only.

2. Regulatory Status & FSMA Notice

AlgoRisk AI Ltd (trading as StartupShield) does not carry out any "regulated activities" as defined by the Financial Services and Markets Act 2000 (FSMA) or the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO). Specifically:

  • No Insurance Distribution: We do not engage in insurance distribution. We do not advise on, propose, or carry out work preparatory to the conclusion of insurance contracts.
  • No Mediation: We are not an insurance broker or intermediary. We do not assist in the administration or performance of insurance contracts.
  • No Advice: We do not provide personal recommendations or "advice" (as defined by the FCA) regarding the suitability of any specific insurance contract for your business.

Because we are not a regulated firm, you do not have access to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) in relation to the activities of StartupShield. These protections only apply to the regulated activities of the third-party providers with whom you may ultimately enter into a contract.

3. The Informational Facilitation Model

Our "diagnostic" process uses technology to map your business inputs to typical industry risk profiles. Any "suggested" coverage or estimated premium ranges are based on general market indices and historical data highlights. They do not constitute a quote, a binding offer, or an assessment of your actual insurance eligibility.

When you request to "Explore Options" or "Connect with a Provider," we act as a technology-led facilitator. We may securely transmit your business profile to third-party regulated insurance brokers or carriers who are authorized to provide official advice, quotes, and policy administration.

4. Remuneration Disclosure

Access to the StartupShield informational platform is free for users. To maintain this service, we may receive facilitation fees or lead-generation payments from the third-party regulated firms to whom we introduce your business profile. These fees do not impact the "unbiased" nature of our educational content, as we do not prioritize providers based on commission levels.

5. Accuracy & Territorial Scope

The UK insurance market is dynamic. While we strive to ensure our highlights and educational guides are accurate at the time of publication, we make no guarantee regarding the ongoing accuracy or completeness of any informational content. This platform is designed specifically for businesses operating within the United Kingdom and is governed by the laws of England and Wales.

6. Complaints & Inquiries

If you have questions regarding our informational protocol or wish to lodge a complaint about our facilitation service, please utilize the contact mechanisms provided on our primary platform dashboard. We aim to respond to all informational inquiries within standard business timeframes.