4orm helps protect and grow the relationship between consumers and the businesses guiding their financial decisions.

Trust starts before the transaction. Consumers need to understand what they are considering, what to ask, and what they are agreeing to. Businesses need to understand the consumer's needs, circumstances and intentions. 4orm keeps both sides aligned throughout, and preserves the record of what was known, what was discussed, what was agreed to, and why. If a question comes later, the answer is already there.

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The pain

Everyone is in the dark, in a different way.

The information that would make a financial decision clear is scattered across systems and people, and nobody owns the whole picture.

The consumer

There are questions you would rather not ask out loud, and no simple way to check who you are dealing with before you hand over money.

The person buying

The biggest decision of the year, made on trust, with no record of what was said, what was offered, or what was promised.

The business

It knows the client as a row in a customer list, not as a person with needs, circumstances and intentions.

The regulator

It asks to see the file, and the file cannot show why the decision suited that client.

The systems

The evidence sits in six or seven places that do not talk to each other: a spreadsheet, an inbox, a shared drive, a phone, paper in an office someone has since left.

The relationship

Through all of it, nobody is actually trying to understand the consumer. The decision is a transaction, and then it is gone.

The challenge

A recommendation can be right, and still be impossible to prove.

The test is no longer whether a form was filled in. It is whether the file shows the decision suited that person, and supervisors have measured how often it cannot.

100%
Mortgage files reviewed with no documented suitability assessment
73%
Missing or inadequate on material-risk disclosure
65%
Missing on relationship and conflict disclosure
£9.1bn
UK motor-finance redress, across 12.1M agreements
Complaints to the Ontario real estate regulator rose 88% in a single year, and 105 firms were reviewed with suitability recorded on no basis at all. The direction is one way.
What 4orm does

4orm keeps the record of how a financial decision was made.

The person, the business and the regulator can all see what was known, what was disclosed and what was agreed. The consumer gains understanding. The regulated business gains evidence. A right call that cannot be shown stops being a risk.

217,585
Regulated Canadian professionals in the counted base
$71.1M
Base case 2031 revenue, Canada only
Zero
Charged to a consumer, in any scenario
745
Payment firms already carrying a daily duty

4ormIQ is free for the consumer, and the consumer is never charged. The regulated business pays, which keeps the consumer layer free and independent of the party being examined.

What everyone gets

Both sides come out ahead.

Not just understanding. Evidence, accountability and integrity, for the person and the business alike.

The consumer gets
  • Understanding. You know what you are agreeing to before you sign.
  • Evidence. A record you can point to later, not a memory of a conversation.
  • Accountability. Someone is answerable for what was said and promised.
  • Integrity. The record cannot be quietly changed after the fact.
  • Peace of mind. The proof exists before anyone has to ask for it.
The business gets
  • Evidence. A file that shows the decision suited the client.
  • Accountability. An answer ready for the regulator, not assembled under pressure.
  • Integrity. A record that still holds up years later.
  • Understanding. The client seen as a person, not a row in a list.
  • Less rework. Nobody rebuilds the past from email and a spreadsheet.
One company, three products

The 4orm umbrella.

4ormIQKnow before you send4ormIQA free check for anyone about to move money. 4orm FinanceThe daily proof4orm FinanceThe company keeping the record. The raise lives here. 4ormExThe Enterprise ExperienceThe Enterprise Experience4ormExTransaction integrity for regulated financial firms.

See the whole business, sourced and view only.

The plan, the market, the model and the team are inside, each document one click from its full page.

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