Pennee can prepare drafts, suggest actions and assemble workflows - but it never sends, submits, changes or triggers anything without adviser review and explicit approval.
Suitability letters, client communications and follow-up actions always remain under adviser control.
Regulatory accountability stays with the authorised adviser.
Pennee is hosted in the UK & EU on AWS infrastructure. Where processing occurs outside the UK, Timeline applies the same protections required under UK & EU GDPR.
No customer data is used to train AI models at any level. Timeline does not fine-tune on customer data, and AWS does not share prompts or outputs with model providers for training purposes.
Pennee accesses AI models exclusively through AWS. There is no third-party LLM gateway in the path, and no data leaves the AWS security boundary.
AI Features are disabled by default*
Compare plans and stress test against 100years' capital markets data in a highly visual way that brings it to life for your clients.
Seamlessly map the appetite for risk to one of our evidence-based model portfolios and manage investments easily via our Control Centre.
Pennee protects client data:
All connections use HTTPS with TLS 1.3 and AES-256 encryption.
Database volumes are encrypted at the block level, with an additional application-side encryption layer helping protect sensitive data even if infrastructure were accessed directly.
Pennee is built specifically for regulated financial planning environments - Pennee is a component within the Timeline ecosystem, an AI tool created specifically for FCA-regulated financial advisers.
Security, auditability and adviser oversight are built into the workflow from the beginning.
Pennee respects your data permissions. It can answer questions using information available to you, but it cannot reveal data from other users, teams, or accounts.
Pennee is hosted on AWS infrastructure, providing an enterprise-grade foundation beneath the Timeline platform.
Timeline recently completed an internal cybersecurity audit covering cloud security posture and AI controls.
Timeline also holds cyber liability insurance as part of our broader approach to operational resilience and business continuity.
No. Timeline customer data is not used to train models at any level.
No. Every action requires adviser review and explicit approval.
No. Although AI features are available to all they are disabled by default until the adviser expressly opts in to use them.
Only information within accounts that have explicitly opted in to AI features.
This online tour will show you all the features and benefits of Timeline's unified eco-system for financial planners.
