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Observe IQ

Product

One platform for scanning, evidencing and monitoring.

Observe IQ checks insurance websites and policy documents against selected regulatory rules, identifies potential risks, links findings to their source and suggests improved wording. It then watches primary sources so your rules stay current.

Scan your website freeView example report

One free scan. No credit card required.

Website scanning

Check the pages customers actually see.

Point Observe IQ at your product pages, quote journey and disclosure pages. Each scan reads the rendered content, applies your selected rulesets and returns findings prioritised by severity.

  • Crawl product, journey and disclosure pages up to your plan's page limit
  • Choose jurisdiction and rulesets per website
  • Scan on demand or on a schedule
  • Compare risk scores between runs to evidence progress
  • Findings grouped by page so owners can be assigned

PDF and IPID scanning

Check policy documents and IPID structure.

Upload an Insurance Product Information Document, policy wording or terms of business. Observe IQ checks the content against selected rules and whether the standardised sections can be identified.

  • IPID section presence, order and identification
  • Consistency between the IPID and the policy wording
  • Exclusions, limits and cancellation content checks
  • Privacy and data protection wording within documents
  • Version history so document changes can be compared

Regulatory horizon scanning

Keep your ruleset aligned with regulatory changes.

Observe IQ monitors selected primary sources, identifies relevant changes and proposes updates for your team to review. Proposed changes are held until someone approves them.

  • Scheduled monitoring of FCA, EIOPA, EDPB, EUR-Lex, ICO, IVASS and Garante sources
  • Change summaries linked to the affected rules
  • Proposed rule updates with manual approval
  • Previous run history for every source
  • Alerts by email, Slack and in-app

Reports and suggested fixes

Reports your legal and marketing teams can act on.

Every finding carries the rule reference, the affected wording, the reason it was flagged and suggested replacement wording, so reports can be shared without further explanation.

  • Suggested replacement wording on every finding
  • Direct links to the primary regulatory source
  • Severity filters for critical, warning and passed
  • PDF and CSV export, with client-branded export on Agency
  • Assign findings to owners and track what has been actioned
WarningUK GDPRArticles 13 and 9F-117

Health data collected at quote stage without a clear lawful basis

/quote/medical-declaration

Offending text

Tell us about any medical conditions so we can give you an accurate price. We may share your answers with our partners.

Why this was flagged

Health information is special category data. The page does not identify the condition relied on for processing it, and “our partners” is not specific enough to explain who receives the data or why.

Suggested wording

We ask about medical conditions so we can assess the risk and price your policy. We process this health information because it is necessary for an insurance purpose in the substantial public interest. We share it only with the insurer underwriting your policy and our medical screening provider. See our privacy notice for the full list of recipients.

Regulatory sourceICO — Right to be informed (UK GDPR Articles 13 and 14)

Notifications and monitoring

Know when something needs your attention.

Choose which events reach which channels. Critical findings can go straight to a Slack channel while the weekly digest goes to inboxes.

  • Scan completion alerts
  • Critical finding alerts
  • Regulatory change alerts
  • Weekly compliance digest
  • Email, Slack and in-app delivery

How Observe IQ should be used

Observe IQ is a compliance-support tool. Results should be reviewed by an appropriately qualified person. Observe IQ does not provide legal advice or guarantee regulatory compliance.

AI and legal disclaimerData processing and security

See what a scan finds on your own website.

Run one free scan of up to 12 pages, or upload a single policy document.

Start free scanSee how it works

One free scan. No credit card required.

Observe IQ is a compliance-support tool. Results should be reviewed by an appropriately qualified person. Observe IQ does not provide legal advice or guarantee regulatory compliance.