Fintech Editing and Proofreading Services

The words "FDIC insured" appear on a fintech's home page in 24-point type. The sentence explaining that the deposits sit at a partner bank, and that the company itself holds no banking license, appears in the footer. Both statements can be true at the same time, and a customer who reads one without the other has formed a belief about what happens to their money if the company stops trading. That belief gets tested on the day an account is frozen, and the question a reporter asks then is what the company told people it was.

The documents we edit for Fintech

Terms of service, customer agreements, and regulatory status disclosures come to us from companies at every stage of growth. App and onboarding copy arrives with them, along with safeguarding explanations, fee and foreign exchange disclosures, and the communications sent when an account is frozen, reviewed, or closed. We also edit fraud warnings and scam education, partner and interface documentation for embedded finance, bank partnership agreements, investor updates, license applications and regulatory correspondence, service status and incident notices, and final response letters on complaints. Our editors check that the description of what the company is reads the same on the website, in the app store listing, in the terms, and in the customer service scripts.

What the editing involves

The regulatory status disclosure is the sentence a whole business rests on, and it usually sits in a footer. A customer needs to know whether the company is a bank, a licensed money transmitter, an agent of another firm, or a technology company introducing a regulated partner. Each of those means something different for the money if the company fails, and the entity actually holding the money is often a licensed partner the customer has never heard of. We move the status to the place where the customer signs up, and we name the holding entity there too. "Deposits are held at our partner bank, Member FDIC" tells a customer where the money is; "bank-grade security" tells them nothing about it.

Consistency across surfaces is the other half of the work. A company calling itself a bank in an app store listing, a "neobank" on its website, and a "licensed money transmitter" in its terms has three descriptions of one entity, and a reporter will find all three in an afternoon. We read those surfaces side by side, mark every place they disagree, and hand the list back. We do not decide which description is correct. Your counsel and your compliance approver do that, and the wording they settle on is the wording we then carry across every surface.

Confidentiality and the limits of our role

Everything you send us is treated in confidence, including partner agreements, license applications, and unreleased product material. We are editors, not legal or regulatory advisors, and financial promotions and customer terms have to be approved by your compliance function before they go out. What we can do is make the writing clear, consistent, and accurate about what your company actually is.