Legal
Regulatory statement
Last updated 12 October 2026
What we do
We develop and license Compass Cashflow, software that advice firms can use to illustrate cash flow plans with their clients. We do not give financial advice, make personal recommendations, arrange or manage investments, or carry on any other regulated activity.
What the software does
Compass Cashflow is illustrative. It projects possible outcomes using assumptions about growth, inflation, tax and other factors. Projections and simulated outcomes are not guaranteed and are not predictions. The value of investments can fall as well as rise.
Responsibility of firms
Firms that use Compass Cashflow remain responsible for any advice they give, for their own regulated activities and for meeting their regulatory obligations, including the Consumer Duty. Using our software does not make a firm compliant with any rule.
Tax rules
Tax treatment depends on individual circumstances and may change. The software uses UK rates and allowances for the 2026/27 tax year as published on GOV.UK.
Our name
The name “Y Invest” does not mean we are an investment firm. We are a software company. Compass Cashflow is a working product name.