Questions, answered straight

01

What NeoInvest is

Is this financial or tax advice?

No, and not either one. We provide analytics, tools and education. We never make personal recommendations, and the tax figures the app produces are estimates from what you give it — not a statement of what you owe. If a decision needs a regulated adviser, we say so.

Does NeoInvest file my tax return?

No. The app files nothing on your behalf and has no connection to any tax authority — it cannot submit anything, and it never tries to. It helps you see a position before you act on it; filing, and what you finally report, stay with you. HMRC will calculate what you owe based on what you report.

Are you authorised or regulated by the FCA?

No. Neo-Invest.AI Ltd is not authorised or regulated by the Financial Conduct Authority, and the product is in development, so no regulated services are currently offered. We do not hold client money, execute trades or manage portfolios.

Do you predict what markets will do?

No. Nobody can, and anyone who says otherwise is selling something. Our models show a range of possible outcomes based on historical data — a distribution, not a prediction — and we always show the downside alongside the upside.

Who is it for?

People who make their own investment decisions and want to see their whole position clearly, including what UK tax is doing to it. You do not need to be an experienced investor; the Academy exists for exactly that reason.

02

What it does

What can I track?

Shares listed in the UK, US and Europe, plus ETFs, funds, FX and precious metals. We do not cover cryptoassets.

What does “UK tax intelligence” actually mean?

We track how much of your ISA and SIPP allowance you have used, show what capital gains tax a disposal would mean before you make it, and keep tax-year deadlines in front of you. General rules, applied to the numbers you give us — never a recommendation to act.

Do you need my bank login?

No. You import a CSV you exported yourself.

Why do I need a CSV?

Because the app has no connection to your platform and no login for it. You export a file yourself, look at it if you want to, and hand it over — so what the app knows is exactly what you gave it, and there is no standing permission for anyone to misuse later. What we can read, and from whom.

How current are my figures?

As current as the last file you imported, and no more. There is no live sync and no background refresh: if your holdings change, the numbers change when you import a newer export — not before. The app shows you which import it is working from.

Which accounts and providers are supported?

Five platforms today — Trading 212, Hargreaves Lansdown, Freetrade, interactive investor and Moneyhub — plus accounts you type in by hand. Accounts can be an ISA, a SIPP, a general investment account, a Lifetime ISA or cash. The imports page is kept current and says what happens when an export is missing an ISIN.

How are tax rules updated?

Every allowance and rate the app uses comes from a signed register rather than from a number typed into the code. Each entry carries the page it was read from, the sentence it was read from, and the date somebody read it — and a gate refuses to ship an entry whose quoted sentence does not actually contain its figure. Where a rule is announced but not yet law, the wording says will rather than is, and the source sits on a watchlist until it changes.

03

How it works as a business

How will NeoInvest make money?

A subscription. That's it. No commissions, no product placement, no referral fees, no selling your data. Independence isn't a feature — it's the business model.

What will it cost?

There is a free tier, and there will be a paid one. We are not stating the price or what each tier includes yet — those go into the terms and the store listing at the same time, before anything can be bought, rather than being announced here first and settled later.

Do you work with banks, platforms or advisers?

That is planned for a later phase: providing our analytics to regulated firms through an API or white-label arrangement. Nothing about that changes the consumer product — we still sell no financial products.

04

Your data

Is my data safe?

Your data is stored on servers in the United Kingdom and encrypted in transit. We ask for no bank logins or passwords. Our analytics run on our own servers without cookies, and this site loads no third-party trackers.

How do I delete my data?

From inside the app, at any time and on any plan, without asking us — the steps are written out here. Deleting your account removes it and the data that belongs to it at the same time, not on a later cycle, and it cannot be undone; copies in our encrypted backups fall out within 30 days. You can export what you have entered before you go.

Who can I complain to?

Email hello@neo-invest.ai with “Data protection complaint” in the subject line. We acknowledge within 30 days and tell you the outcome. You can also complain to the Information Commissioner's Office at ico.org.uk.

05

When

When can I use it?

Coming to the App Store and Google Play.

This page is general information about NeoInvest and about UK investing rules. It is not personal advice or a recommendation, and it does not take account of your circumstances. Tax treatment depends on individual circumstances and may change. Neo-Invest.AI Ltd is not authorised or regulated by the Financial Conduct Authority. If you are unsure, consider speaking to an adviser authorised by the FCA.