Major financial decisions.Easier to understand.Easier to explain.
4orm Intelligence supports people through their major financial decisions, by assisting them to explore concerns, model outcomes and control what information is shared.
4orm connects what information the client shares into the business’s compliance tools, saving time in the discovery process while bringing peace of mind to their client. This provides the business an auditable record in real time, without having to pay to reconstruct it later trying to prove suitability.
People · Trust · Clear outcomes
A major financial decision. The documents are ready to sign. Money is about to move. But something still does not feel right.
Am I missing something? How can I check before I proceed?
Check 4orm.
Understand the client. Explain the options. Keep the record of why.
Major financial decisions start with people: their goals, their circumstances, and what they need to understand before moving forward. We are building tools that help financial businesses do all three, without replacing the systems they already run.
That picture is often scattered across
EmailsConversationsDocumentsDepartmentsRepsDifferent systems
4orm brings those pieces together.
- Contribute information
- Ask questions
- Choose what to share
- Spot gaps
- Keep follow-ups moving
- Find the details they need when a decision is reviewed
Working with the systems businesses already use, we are helping teams spend less time chasing paperwork and rebuilding files, and more time serving their clients.
Better understanding for the client before the decision. A clearer record long after for the business.
The business pays twice. Once to guide the consumer, again to rebuild the record.
The file already exists. It is spread across the systems the firm already runs, and when a complaint, an audit or an examiner asks why a recommendation fit, somebody has to find it, reconcile it and defend it by hand.
Guide an uncertain consumer
Ask for information. Explain the options. Resolve questions across calls, emails and documents.
Rebuild the record and defend suitability
Find the same information again and reconstruct why the recommendation fit, months or years after it was made.
What a 4orm pilot measures
- Review minutes per case
- Retrieval time for a file
- Rework and follow-up
- Consumer understanding and material gaps
These are the measures a paid pilot is built to test on the firm’s own files. They are not results yet.
Many industries now face the same challenge.
Consumers need to understand the decision. Businesses need to explain why it fits. These are the regulators’ own findings, from the files and firms they opened.
of examined files with no documented suitability assessment.
FSRAof life agents failing needs analysis. CCIR reports weak insurer oversight of distribution.
FSRA · CCIRfirms reviewed. Many could not evidence know-your-product work. C$59.4M restitution, C$20.7M fines.
CSA · CIROcharges and C$1.9M in fines. 32% turnover among finance and insurance managers.
OMVIC · CADA and MNPaccounts reimbursed more than C$38M. The appropriateness duty sits with the bank.
FCACin fines in 2025, up from C$6.9M in 2024. 56% lacked policies.
FINTRACSelected findings from separate reviews and periods. Percentages refer to the files or firms examined, not to every firm in the sector.
Compliance is getting harder to manage, and more expensive to staff.
Requirements keep arriving, and each one stays in force as the next is added. The cost shows up first in systems and data, then in people, then in the size of the penalty for getting it wrong.
of Canadian respondents said requirements had become more complex over three years.
PwC 2025 Global Compliance Surveyreported a negative effect on implementing and maintaining systems and data.
PwC 2025 Global Compliance Surveyreported a negative effect on senior management’s attention and focus.
PwC 2025 Global Compliance SurveyCanadian survey responses across sectors. It does not measure mortgage firms alone.
C$337M more annual compliance spending across the survey group. A 26% increase in the full-time employees required for compliance, with nearly three quarters of reported spending coming from internal labour.
Insurance Bureau of Canada: 24 surveyed P&C insurers, 61% of the Canadian market. Reported costs for the surveyed group, not a national total.FINTRAC’s penalty ceilings are now up to 40 times higher
| Violation classification | Maximum amount |
|---|---|
| Minor | C$40,000 |
| Serious | C$4,000,000 |
| Very serious | C$20,000,000 |
Maximum amounts, subject to the Act’s limits. The framework applies to violations on or after 26 March 2026. Entity cumulative cap per notice: the greater of C$20M or 3% of prior-year gross global revenue. In fiscal 2024-25 FINTRAC issued 23 notices of violation totalling more than C$25M, an amount issued rather than collected.
Mortgage firms now carry ongoing anti-money-laundering duties.
Mortgage brokers, administrators and lenders entered the federal regime on 11 October 2024. The first documented effectiveness review is due before 11 October 2026.
| Work the business must perform | Evidence that must be available |
|---|---|
| Operate a compliance program | Written policies, risk assessment and training |
| Apply client checks and ongoing monitoring | Information and records required for the activity |
| Report transactions when required | Required reports and supporting records |
| Review program effectiveness | A documented review at least every two years |
Exact duties depend on the activity. Separately, British Columbia’s Mortgage Services Act comes into force on 13 October 2026.
Sources: PwC Canada; Insurance Bureau of Canada; FINTRAC; Justice Canada; Torys; Ponemon and Globalscape; BCFSA. The 2.71 figure is a 2017 multinational study across industries, not a Canadian mortgage measure. Research checked 28 September 2026.
Mortgage leaders describe the pressure.
“The new FINTRAC requirements have definitely been a challenge for brokerages.”
“We realized very early on that compliance would be a greater burden on the agents without a technology solution.”
Published practitioner quotations. They describe market pressure, not endorsements of 4orm.
Information is everywhere. Understanding it is hard. Trusting it is even harder.
Search, calculators, comparison sites and online tools scatter a person’s information, create more questions and leave the decision no clearer. Nearly everybody looks things up. Hardly anybody ends up certain.
How consumers search Mortgage research activity
More information alone does not create clarity, control or a defensible decision record.
Certainty remains low Uncertainty and financial strain
CMHC 2026 Mortgage Consumer Survey, with debt strain and missed payments from 2025 consumer research. Each bar is a separate question asked of a different group, so the two columns are read side by side, never added together.
answered fewer than half of seven investment knowledge questions correctly.
CSA 2024 Investor Index, 5,000 Canadians.correctly recognised the survey’s high-return, low-risk investment fraud warning sign.
CSA 2024 Investor Index.of industry participants said a yes-or-no income confirmation would not meet their needs.
CRA consultation, July 2025. 1,637 submissions, 61% from mortgage brokers.firms reported difficulty integrating, sourcing or connecting the data behind a decision.
Chartered Insurance Institute, United Kingdom, 2026. Not a Canadian requirement.These measures use different questions and groups. They are specific question results, not a diagnosis of any person’s financial ability.
What the consumer gains
“Communicating in ways people understand means using comprehension or understanding as the measure of success.”
Your space. Your decision.
A private account to work the decision out in, at your own pace, before anybody is selling and before anything is shared.
- 01PrivateYour own encrypted account. You choose what to share.
- 02ExploreWhat might change in your life, and what that would mean.
- 03UnderstandYour goals, what could change, and the questions to ask.
- 04ReviewLeave a personal detail out of the shared copy. The original stays unchanged.
- 05ShareNothing is shared until you approve it.
Product concept. Illustrative screens and data, separate from the launched 4ormIQ checking tool.
Businesses need to show why a recommendation fits.
Canadian requirements already connect customer information with product appropriateness. The Financial Consumer Agency of Canada expects banks to understand the consumer, assess product fit and retain records of their implemented policies. The Canadian Securities Administrators and CIRO reviewed 105 firms in 2025 and found process gaps that required action.
4orm’s proposed role: connect client context, the review and its supporting record.
Know the consumer
Who they are, what they are trying to achieve, and what they said matters.
Gather current facts
Their circumstances as they stand now, not when the file was opened.
Match needs to options
The product is measured against the consumer, not the other way round.
Compare alternatives
What else was available, and what each option would have changed.
Address conflicts
Who is paid by whom, and where an interest could pull the recommendation.
Explain the recommendation
In the consumer’s own words, before anything is agreed.
Confirm understanding
What the consumer actually took in, recorded as understood and accepted.
Preserve the record
What was known, explained, permissioned, changed and agreed, kept as it stood.
Sources: FCAC Appropriate Products and Services guideline; CSA and CIRO Client Focused Reforms review, December 2025; Ontario Regulation 188/08, s. 24. Different sector rules apply, and 105 is the review population, not the number of firms that failed.
One shared record connects both sides.
4orm connects the tools a business already uses with the consumer’s goals, questions and understanding, and brings that information together in one shared decision record, without replacing the firm’s existing workflow.
- Goals and questions
- Changing circumstances
- Information chosen to share
- Relevant client information
- Options considered
- Recommendation and reasoning
- Sources and versions
- Questions and responses
- A history ready for review
What was considered. What the client confirmed. Why the recommendation was made.
- IdentityKnow-your-client and consent
- GoalsRisk and situation
- ExpectationsCosts and trade-offs
- OptionsCompared and excluded
- RecommendationThe product, and why
- CheckComplete, consistent, current
- One recordReviewable and replayable
Press Walk the decision to move one mortgage renewal through the record. Then change a fact and see what happens to it.
- Nothing yet. Every step adds who, what, when, why, source and version.
The consumer prepares. The professional keeps the judgment.
The consumer arrives having explored the decision. The business receives that context alongside the file, and a record of the reasoning behind its recommendation.
What the consumer gains
- Explore goals and changing circumstances.
- Ask questions before choosing a product.
- See what a scenario assumes and leaves out.
- Choose the information shared with a professional.
- Keep a record to return to later.
What the business gains
- Less repeated intake.
- Questions visible sooner.
- Reasoning linked to sources.
- A retrievable review history.
- Goals and concerns alongside the file.
Technology handles the preparation.
Education, questions, preparation, updates and reminders, and basic scenario exploration.
The professional handles the judgment.
The relationship, the recommendation and its suitability, complex questions and product selection.
Reduce repetitive education and preparation before the professional meeting.
Goals, questions, concerns and relevant information arrive earlier.
Connect the consumer’s circumstances to the options considered and the reasoning behind the recommendation.
Create evidence during the normal workflow instead of rebuilding it later.
Make changes, gaps, acknowledgements and reasoning easier to review.
Keep a clear record of what was known, explained, considered and agreed to.
Product concept. Intended workflow benefits, not achieved savings. Professionals remain responsible for advice, recommendations and compliance.
What each side actually sees.
Four screens the firm works in, two the consumer holds, and one that shows both at the same moment. Pick any of them.
Product concept. Every client, figure and document in these screens is invented, and the firm surface is built to demonstrate rather than in service.
Better workflows can reduce time and cost.
Supplier-reported customer outcomes from related tools. Each row measures a different activity, in a different country, under a different definition of the work.
90 min→15 min
Quality review of a case Key Group · Aveni4-5 mo→5 wk
Audit work Connective · Drata60%
Less post-meeting administration Prosser Knowles · Aveni50%
Less call-review time Octopus Money · Aveni| Customer and country | Work measured | Published result |
|---|---|---|
| Key Group, United Kingdom | Quality-assurance review | 90 minutes to 15 minutes |
| Connective, Australia | SOC 2 audit cycle | 4 to 5 months to 5 weeks |
| Perforce, United States | Team time on compliance | 60% to 15% |
| KBH, Canada | Tax-season administration | 1 hour per employee per day saved |
| Attivo, United Kingdom | Advice-file review cost | 40% reduction |
These results establish useful benchmarks. They do not predict 4orm savings and they do not independently prove causality. 4orm must test its own effect on review time and review cost with paying customers.
Canadian firms report benefits from compliance technology
PwC 2025 survey, Canadian respondents. This is the share reporting a benefit. It does not mean their costs fell by 56%. Responses overlap and must not be added.
Businesses already spend at scale to prove trust, risk and compliance.
4orm applies the same economics to financial-decision evidence. These are published company figures for adjacent businesses, shown for category scale.
annual recurring revenue across 16,000 customers, up from US$200M nine months earlier.
8 years in businessannual recurring revenue across more than 8,000 customers.
6 years in businessannual recurring revenue across more than 2,800 institutions, growing 23% a year since 2020.
23 years in businessinstitutions and more than a million secure connections a month. A Canadian precedent.
10 years in businessComparables show category scale, buyer budgets and recurring software economics. Funding, valuation and recurring revenue are different measures, and none of them predicts 4orm adoption, pricing or revenue.
31,709 Canadian firms sit in the regulated categories 4orm is built for.
Counted sector by sector from published registers, not estimated. A registry count is a population, not a sales pipeline.
Those firms sit alongside 3.70 million major decisions a year.
1.33 million mortgage originations, 470,314 MLS home sales and 1,897,055 new vehicles. Every one of them is a decision somebody has to understand, and a firm has to be able to explain.
Sources: FSRA; ISED employer counts; CIRO dealer-member count; CMHC; CREA annual sales; CADA. A registry count sizes who could be served, not who has agreed to buy.
Start with mortgages, then expand into other major financial decisions.
We start with mortgages. Other major financial decisions also need clear explanations and a record of the reasons.
| Market | Consumer | Business |
|---|---|---|
| Mortgage | People buying or refinancing a home | Brokers, lenders and credit unions |
| Automotive | People buying or financing a vehicle | Dealers and finance providers |
| Insurance | People choosing coverage | Brokers, agents and insurers |
| Real estate | People buying or selling property | Agents and brokerages |
| Investing | People planning and investing savings | Advisers and investment firms |
Mortgage is the first planned business workflow. Each new market needs customer testing and a review of its requirements.
- NowMortgageValidate the workflow with paying firms and establish measurable buyer value.
- 2027AutomotiveAdapt the record with a paying partner for vehicle financing decisions.
- 2028Insurance and real estateChoose the next market on customer demand and what can be reused.
- 2029+Investing and lendingAdd markets only after requirements and delivery cost are proven.
Expansion depends on paying customers and the requirements of each market. Timing remains provisional.
4orm works with the systems the business already uses and brings them together in one interoperable suitability record.
Integration→Interoperability→Suitability
The duty stays with the firm.
Holds or moves money
Decides or advises
Monitors communications
Replaces the workflow
4orm supports suitability evidence. It does not guarantee compliance, and no regulator has reviewed or endorsed a 4orm record.
The same decision, from the consumer’s side and the firm’s.
ormIQUser
Experience
If you are about to borrow, buy or invest
Understand it before you sign it.
Ask 4orm the questions you would rather not ask out loud. It checks who you are dealing with, tells you what to have ready, and stays with you through the whole decision.
Try it →ormEnterprise
Experience
If you run or work at a firm
Show your work, without more work.
See which clients are waiting, which files are missing something, and keep the record of how each decision was reached. It builds itself as you go.
Learn more →4orming trust into financial decisions.
4Help people understand the decision. Help the business show why it was made. For a mortgage brokerage, an insurer, a lender or a dealer network: see how 4orm fits beside the systems you run, and what a measured paid pilot would test on your own files.
Making a decision yourself? Start your 4ormIQ check
Monday morning, at a mortgage brokerage
with 148 live client files.
This is the reading the principal broker gets before anybody walks in. Not a report anyone had to assemble. It builds itself out of the conversations the firm is already having.
Every stage of every file, and how much of the required record is present. Green means complete enough to reconstruct from the available record.
Seven of the 148. An unanswered client question, a number that stopped matching, a change waiting to be acknowledged. Small things, caught early.
When a complaint or an examination arrives, the story is already assembled. That is the difference between an afternoon and six weeks.
Interactive demonstration · synthetic data