Glideflo Pro pricing
You found what they lost.Now check what they never claimed.
Glideflo Pro runs a fully managed HMRC tax recovery programme across the clients in your pension book, live and paid out: qualification, outreach in your firm's name, identity checks, document processing, signature and submission through our HMRC registered tax partner. Your clients are the people Marriage Allowance and Pension Relief were written for: couples in their fifties and sixties, one of them still paying into a pension, the other often retired. It runs under a separate authority and a separate, published fee, outside your regulated claim and its fee cap. Your case handlers do nothing operationally, and you see every penny of what it costs, because we price it the only way we price anything: our delivery cost, passed through at published rates, plus a published mark-up.
For your diligence
Glideflo is a product of FSG Global Ltd, registered in England and Wales, company 14060302. We pay the Real Living Wage of £13.45 an hour. Carrier rates for SMS and email are published by suppliers and can be verified independently, and the build-up of every figure on this site is set out openly on the Rate card page. Nothing here is bespoke to any reader: the rates and the margin schedule are the same for every firm.
The clients who trusted you twice
Your clients came to you because a pension went wrong, and for most of them the redress is won or in train. The Financial Services Compensation Scheme said on 8 April 2026 that it is moving to a reactive approach on section 27 SIPP claims. The obvious claims in this market have been worked, and your next client is likely to cost more to find than the last.
The clients you already have are mostly in their fifties and sixties, often married, often one still working and paying into a pension while the other has retired. That makes them a natural fit for two claims Glideflo already runs: Marriage Allowance and Pension Relief. Recovering tax for them can earn the firm fee income, offers the client money they may be able to claim, and gives you a reason to be in touch that has nothing to do with the redress claim.
Where the money goes
HMRC pays the refund to our HMRC registered tax partner. Out of it comes your firm's fee, at the rate you set and the client agreed before anything was filed. Our HMRC registered tax partner takes 25% plus VAT of that fee for the compliance sign-off that makes every claim filable, pays the balance of the fee to your firm, and pays the rest of the refund to the client. No client money passes through your firm. Nobody on your team files a form, and no client is asked to pay anything up front.
Your fee on a tax refund is a separate agreement from your regulated claim, and it is not a fee on redress. It is built to sit outside the FCA's fee cap bands, which apply to redress from financial services firms, not to HMRC refunds, and your compliance director should confirm that for your firm. It is shown to the client as a second, smaller fee on money that would otherwise go unclaimed.
The programme itself is priced exactly like every Glideflo service: every email, text, connected minute, identity check and signature at the rate we actually pay, published on the rate card, with our mark-up printed next to it. There are no credits, seats or bundles, because a credit is not a thing a compliance director can price check.
Run your own book through the model and see. Every figure is illustrative and every assumption is on the page.
What the service does
Find and engage
The platform qualifies every client against each claim type, then runs the outreach itself in your firm's name, email, text and UK based telephone agents, on a cadence of fifteen dated rounds that only ever contacts the clients who have not yet signed up. Quiet hours, one-click STOP and vulnerable client routing apply to every message.
File and submit
Identity checks before anything moves, AI document processing, electronic signature and submission through our HMRC registered tax partner, who carries compliance sign off on every claim that goes in.
Prove and pay
Every action is timestamped into a six year audit vault, and every won claim is reported per case with the split shown, so the client's refund and your firm's fee are evidenced for your compliance director, in a dashboard you can open any hour of any day.
How a won claim splits
HMRC pays the refund to our HMRC registered tax partner. Your firm's fee comes out of it at the rate the client agreed, and the client keeps the rest.
Out of your fee, our HMRC registered tax partner takes 25% plus VAT, an effective rate of 30%. They are the ones who carry compliance sign off on every claim that goes in, which is what makes the whole thing filable. That share is deducted at source, so it never appears on an invoice and never reaches your firm.
Every fee figure anywhere on this page is already net of the tax partner's share. Move the fee rate slider on the Service page and this splits with it. Your firm's fee is shown on the dashboard and in every export, case by case.
Written for the firm's obligations
There is no rule that says a claims firm must check its clients' tax, and we do not pretend there is. What there is, is a Consumer Duty that asks you to support the people you serve in pursuing their financial objectives, a population whose tax position changed the day they stopped work, and a programme that gives your compliance file something to show.
A client who stopped work, or moved a pension, or started drawing one, changed their tax position that day and almost never checked. This programme checks, in your name, under a separate authority and a separate, smaller fee, inside controls your compliance director can evidence, and it never touches the redress claim or its fee. The Compliance page sets out each obligation and how the programme meets it.
Who we are
The team behind the platform
We are the team behind those numbers, and we run a lean Australian claims operation on this same platform from the UK today. Glideflo is a product of FSG Global Limited.
We are a technology company serving regulated firms. Your book is your client relationship, never our opportunity. We do not buy claims, we do not generate leads, we do not compete for claimants, and we never touch the redress claim.
Why the price is public
Your compliance director and your SMF16 will run these numbers through their own tools before the second meeting. We would rather they did. Every rate on this page is published, versioned and defensible, because in this market the vendor whose numbers check out is the one a compliance director can sign off.
The same rate card prices our re-engagement service, and spend on either counts toward your position on the mark-up ladder.
Ready to benchmark the book?
Bring the size of your pension book and your view of its contact data. We will run it through the model with you, show you the first-500 plan, and send the three documents.
Design your programme
Every round
| Round | Day | Week | Touch | Rate | Sign-ups | Still to reach | Emails | Texts | Invoiced |
|---|
The response curve falls because the pool empties, not because contacts go cold. Every round only contacts the clients who have not yet signed up, so the still to reach column shrinks as your book converts and your outreach spend falls away with it. The rate column shows the share of your whole book expected to sign up in each round. Count live clients and clients paid out in the last four tax years. Leave out the estates of clients who have died, anyone who has asked not to be contacted, and anyone whose details were gathered on terms that do not allow it. Check with your compliance director and DPO which clients the firm may lawfully contact about a separate, unregulated service.
Our communication strategy is calibrated on real world outreach campaigns run on this platform, timed to maximise client touch points within PECR and the other relevant guidelines. Every message goes out in your firm's name. A client signs a single tax authority once, separate from their redress claim and its agreement. Every claim type they qualify for then runs off that one signature. The invoiced column applies your effective mark-up to the delivery cost of each round. Live and paid-out clients run best as two programmes, each at the quality it honestly deserves, with consolidated reporting.
Every month
| Month | Sign-ups | Claims opened | Submitted | In queue | Invoiced | Fees landing | Fees to date | Net position |
|---|
Estimated claims, win rates and fee income are illustrative, not a guarantee. Outcomes depend on the quality, completeness and consent of the data you provide, and on HMRC processing. Nothing in this model relates to, or predicts, the outcome of any pension or investment claim. The invoiced column includes our margin, applied in line with the mark-up ladder on the Your price page. All figures exclude VAT.
What you get, and how you get it
Live dashboard
Watch the programme as it runs. Qualification, outreach, claims and fees appear in your dashboard in real time, with drill down to any single client.
Full export
Download everything. Each case exports with its documents, signatures, submission record and audit certificate, one at a time or in bulk. Your data stays yours.
Straight into your system
Standard connectors and webhooks are included, so cases and refunds can flow directly into your CRM and accounts. Anything bespoke is passed through at cost, like everything else.
Compare the three cadences
| Cadence | Reach ceiling | Sign-ups | Claims won | Delivery cost | Margin | Your invoice | Per won claim |
|---|
How you pay
Monthly in advance
Each month is quoted before it starts and runs once it is funded. You are never exposed beyond what you have already approved, and neither are we. Priced at the published mark-up.
Quarterly in advance
Fund the coming quarter in one payment and we take two points off the mark-up in every tranche.
Phase up front
Pay the phase in full up front and we take five points off the mark-up in every tranche. The mark-up never falls below twenty five percent.
If a month is not funded the programme pauses, and a pause of more than thirty days closes the phase out. Any unspent balance is repayable at any time, less a £100 administration fee. You can also leave it on account for any future Glideflo service and we will add ten percent to it.
Your invoice
Your invoice
Where our margin sits
On this configuration, of the delivery cost only exists once a client actually engages and a claim is opened. The identity check, signature, document processing and archive lines are charged per claim, so if engagement comes in below the model those costs are never incurred and the invoice falls with them. That matters for a firm that carries the cost of every case until it is paid: the downside is capped by what you approve each month.
Payment schedule
| Payment | Due | Covers | Amount | Running total |
|---|
How the price is built
We pass through cost
Every email, text message, connected minute, identity check, signature and megabyte of archive is charged at what it actually costs us to deliver. Those rates are published on the rate card, and you can verify most of them independently.
We add our margin
We add a published mark-up on top of that cost. It starts at 60% and falls to 30% as your spend with us grows, and spend on re-engagement moves you down it too. It is a schedule rather than a negotiation, and it is the same for every firm.
That is the invoice
Your invoice carries two lines: what the service cost to deliver, and what we added. On a pilot there is a third, the £2,500 concierge, once. Beyond that there is nothing else on it, no platform fee, no licence and no credits.
Funding the programme against a book you have already paid for
Nothing runs until it is paid for, and each month is a discrete, capped spend approved in advance. Fee income from won claims lands from month six or seven; on the default book the programme pays for itself inside the year, and every pound after that is revenue from clients you have already paid to acquire.
One question only you can answer: do your client agreements, or any panel solicitor agreements, say anything about contacting clients about other services? Every agreement differs, so check yours before the first month is approved.
Mark-up ladder
| Tranche | Invoiced spend from | Invoiced spend to | Mark-up | Cost priced here | Margin |
|---|
Where the money goes
Your return
Invoice against fees
The submission queue
On this configuration
Why there is a ceiling
We submit no more than five thousand claims to HMRC in any one month, across every claim type. That is an operational limit we hold ourselves to, because volume filed carelessly is how a book gets flagged rather than paid.
Claims are prepared as fast as your book converts. If preparation runs ahead of the ceiling the surplus waits in a queue and goes in the following month, oldest first, shared proportionately across claim types, so nothing is lost and everything arrives a little later.
One claim, worked end to end
The outreach share allocates the whole cost of contacting your book, including the clients who never respond, across the claims that open. Every other line is charged only when the claim itself exists. Values shown are the calibrated averages used throughout this model.
Marriage Allowance and Pension Relief, the claims your book was built for
Why pension books
About 900,000 of the 2.28 million couples claiming Marriage Allowance are pensioners (lovemoney, reporting a freedom of information answer, February 2024). An estimated 807,000 higher-rate taxpayers may be missing out on about £1.42bn of pension tax relief (Pensions Age, reporting HMRC figures, 30 January 2026). Your clients are likely to be drawn from both groups.
We have no data on your book, so the model keeps the same conservative defaults as every other; we expect it to beat them, and we would rather show you that on the first five hundred cases than claim it here.
The day they stopped work
Retirement, a pension transfer, a first withdrawal: each one changes a household's tax position, and most households never check. Marriage Allowance for a newly retired spouse, the extra relief a higher-rate saver has to claim, and, where a pension has been drawn, tax taken on an emergency basis that HMRC may still be holding.
What the client sees
A message from your firm, with their case reference in the first line so it is recognised, then a plain statement that this is a separate service about tax, not about their redress claim, and that they could claim from HMRC themselves for free. No cash offer, no unfamiliar sender, no pressure. Clients flagged as vulnerable are routed to a slower, human-led cadence, by phone or by post, or excluded, as you instruct.
Redress interest tax, ready when confirmed
Pending confirmation, by design
Where a redress payment includes interest, the firm paying it may have had to deduct basic-rate tax from the interest, and a client who pays little or no tax may be able to reclaim some or all of it. If that is confirmed, it would apply first to clients you have already seen paid.
Until our tax partner confirms the route and a working value, the claim type is shown on the Service page as coming soon, outside the model, with no value published. If it is confirmed, we switch it on. There is no activation fee and no reconfiguration, and the claims would join the pipeline at the same published rates as everything else.
Why that matters
A book that has been through this programme is already consented and contact-verified, which is what that claim would need. Nothing here is a view on whether any redress payment included interest, or on the merits or value of any redress claim.
Illustrative, honestly
Every projection on this page is a model, not a promise. Engagement, win rates and claim values are calibrated from our operating experience and published sources, and the model is built so you can move every assumption yourself and watch the consequences. Nothing here guarantees an HMRC outcome, and your own results will depend on the quality and consent of your data. We publish the workings precisely so that your compliance director can pull them apart. Nothing on this page is a view on the merits or value of any redress claim.
Why we publish this
Carrier rates for text and email are published openly, wages in South Wales are a matter of public record, and employer national insurance and pension contributions are set by government. You could rebuild most of this table yourself.
There is therefore no advantage in hiding any of it, and a real advantage in not pretending. We would far rather discuss whether our costs are right than argue about whether our price is fair. If you believe any line here is wrong, bring us a supplier quote and we will happily compare.
We pay the Real Living Wage of £13.45 an hour rather than the statutory minimum of £12.71. That adds slightly to the cost of every minute, and we believe it is the right way to run a contact centre.
Rate card
What we pay, passed through at cost
These rates reflect our current supplier costs, so final pricing may be adjusted if those underlying costs change. We will give you advance notice in the unlikely event this happens prior to the next stated review period. SMS rates are per message of up to 160 characters, and our templates are built to fit a single message. This is the same rate card that prices our re-engagement service.
How the agent minute is built
Delivery assumptions
What these assumptions mean
You are charged for connected minutes only. Dialling time, voicemail and wrap-up are absorbed in the utilisation figure, which is why the minute rate is set where it is. Each call round dials only the clients who have not yet signed up, at the connect rate your book quality implies, and nobody is dialled again once they have answered.
Outreach volumes fall round by round because every round contacts only the clients still to reach. Claim handling is separate and is charged per opened claim at the published usage for that claim type, so a Pension Relief claim carries more work than a Marriage Allowance claim and is priced accordingly.
Identity checks, postage, document processing and archive are charged per opened claim, never per client, so a client who never signs up never generates those costs. Submission to HMRC is capped at five thousand claims a month across all claim types.
The small print that matters
Compliance carried properly
Every claim is submitted through our HMRC registered tax partner, who carries sign off. Outreach runs inside PECR and UK GDPR with quiet hours, permanent opt-outs and vulnerable client routing built in, and the full service is documented for your own regulator, whether that is the FCA under CMCOB or the SRA; the tax service is unregulated claims activity and is documented as such, and kept separate from your regulated claims work.
Contracted cleanly
The binding suite is three documents: this commercial schedule, a service agreement and a data processing agreement. We act as processor, you remain controller, and your book cannot be used for anything except your own programme. It is never used in, shared with, or reported into any redress claim.
Run to service levels
The platform is operated to a 99.5% uptime service level with defined response times, and every case, document and call recording is retained in the audit vault for six years. We file no more than five thousand claims to HMRC in any one month, across every claim type.
Built for clients the FCA asks you to treat with additional care
This page is for the people who sign the programme off: your compliance director, your SMF16, and your COLP if you are a law firm. Pension books carry older clients, some bereaved, some still living with a loss. Every contact in this programme is issued in your firm's name, about the client's own tax, under a separate authority and a separate fee, inside controls you can show your regulator.
Your obligations already point this way
| Source | What it says | What that means here |
|---|---|---|
| If you are an FCA-authorised claims firm | ||
| CMCOB 2.1.1R General principles |
A claims firm must act honestly, fairly and professionally in accordance with the best interests of its client. | The refund is the client's money. The fee is published, agreed up front and shown per case. A client who does not want the service is never chased. |
| CMCOB 4.2 Pre-contract information |
Before contracting, customers must receive a one-page summary of key information, including, for a claim that could go to an ombudsman or compensation scheme, that they can present it themselves for free. | The tax service is not a claim to an ombudsman, but every authority meets the same standard: it states the fee, the tax partner's role and what the client keeps, and that the client could claim from HMRC themselves for free. |
| CMCOB 5.2 Fee cap, PS21/18 |
Charges on a financial services claim where redress is awarded are capped by band, from 30% down to 15%, with ceilings from £420 to £10,000 (5.2.9R). The cap counts charges under the claims agreement and under any connected agreement (5.2.10R, 5.2.19R). | The tax fee is charged on an HMRC refund under a separate authority, and it is never added to, netted against or described alongside your regulated fee. Whether a tax authority could ever be a connected agreement, above all for the pending redress interest claim, is a question for your compliance director and a regulatory solicitor before launch. |
| FCA review of CMCs carrying out unregulated claims (15 February 2024), and GEN 4.5.3R | Claims firms must be clear about which of their services are regulated and which are not, must not imply they are authorised for business they are not authorised for, and must make sure their services offer fair value. | The page and every client message say the tax service is not regulated by the FCA. Your authorisation is never used to badge it, and a fair value line goes in your Consumer Duty file. |
| Consumer Duty PRIN 2A |
Deliver good outcomes, including fair value, understanding and support, and enable the people you serve to pursue their financial objectives. | The per-claim split on this page makes the fair value assessment arithmetic rather than argument, and the programme is evidence of support beyond the redress claim. |
| FG21/1 FCA guidance on vulnerability |
Identify clients in vulnerable circumstances and make sure they are treated fairly, in how you design services and how you communicate. | Older, bereaved and financially stressed clients: flags you hold pass through, and flagged clients get a slower, human-led cadence, by phone or by post, or are excluded, as you instruct. |
| If you are a law firm | ||
| SRA Principles, Principle 7 |
Act in the best interests of each client. | The refund is the client's money. The fee is published, agreed up front and shown per case. A client who does not want the service is never chased. |
| SRA Code of Conduct for Solicitors, paragraphs 8.6 and 8.7 | Give clients information they can understand, and the best possible information about how their matter is priced. | Each client gets a plain-English authority stating the fee rate, the tax partner's role and what they keep, before anything is filed. |
| Code, paragraph 8.9 | No unsolicited approaches to members of the public to advertise legal services, except to current or former clients. | The programme only contacts the firm's own clients, in the firm's name. This does not replace the PECR rules below. |
| Code, paragraph 8.10 | Clients must understand whether and how a service is regulated, including services from a separate business, and a separate business must not be presented as SRA-regulated. | Every message and the authority say the tax claim is handled by an HMRC registered tax partner and is not an SRA-regulated service. |
| Code, paragraphs 5.1 and 5.3 | Tell the client about any financial interest in a referral or fee sharing, put fee-sharing agreements in writing, and get informed consent before referring a client to a separate business. | The firm's fee is disclosed in the client authority, the agreement between the firm and the tax partner is in writing, and the client opts in. |
| Code, paragraph 4.1 | Properly account to clients for any financial benefit received as a result of their instructions, unless they agree otherwise. | The client's agreement to the firm's fee is recorded on every case. |
| Code, paragraph 6.3 | Keep current and former clients' affairs confidential unless disclosure is required or permitted by law, or the client consents. | Sharing client details with Glideflo, as processor, and with the tax partner needs a lawful basis, decided by your COLP and DPO, under a data processing agreement. |
| SRA high-volume consumer claims programme and warning notices | Firms must not put their commercial interests ahead of their clients', must vet third parties, must manage financial safeguards, and must market lawfully. | Glideflo and the tax partner come with a due diligence pack. Fees come only from won refunds, never from the client up front. The programme gives your COLP evidence of client contact, consent and fee transparency across the book. |
| Either way | ||
| PECR regulations 22 and 21, and ICO guidance | Marketing email and texts need consent or the soft opt-in, and the soft opt-in covers only the sender's own similar products and services, with an opt-out at collection and in every message. Live calls are permitted unless the number is registered with the TPS or the person has objected. | A tax recovery service delivered through a third-party tax partner is unlikely to count as the firm's own similar service to pension claims work. Clients paid out are former clients. Rely on consent for email and text, and screen calls against the TPS, as your DPO directs. |
| UK GDPR, purpose limitation and lawful basis | Personal data collected for one purpose cannot be reused for an incompatible one without a lawful basis. | The data specification carries a consent and contact-preference field, and we contact only the clients the firm marks. |
We are not lawyers and this is not legal advice. If you are a law firm, the SRA rows apply and the CMCOB rows do not; if you are a CMC, the reverse. The tax service is unregulated either way. Your compliance director or COLP will want to check how the fee sits with your client agreement and how the client authority is worded. CMCOB and SRA paragraph references should be confirmed against the versions in force before launch.
Why this book over-indexes
About 900,000 of the 2.28 million couples claiming Marriage Allowance are pensioners (lovemoney, reporting a freedom of information answer, February 2024). An estimated 807,000 higher-rate taxpayers may be missing out on about £1.42bn of pension tax relief (Pensions Age, reporting HMRC figures, 30 January 2026). Your clients are likely to be drawn from both groups.
We have no data on your book, so the model keeps the same conservative defaults as every other; we expect it to beat them, and we would rather show you that on the first five hundred cases than claim it here.
Five lanes, because not every client belongs in the model
The programme the model is built on
Clients whose complaint or claim is still running, and whose contact preferences allow it. They hear from you regularly, so run them at Medium or High. In the model now for Marriage Allowance and Pension Relief, and for redress interest tax once they are paid, if our tax partner confirms it.
A second programme, at its own quality
Clients go quiet at the closing letter, so run them at Low. They are the clients redress interest tax would apply to first, if it is confirmed. A message to a former client about a separate service is marketing under PECR: rely on consent you already hold, or a consent-led round first, as your DPO directs.
Not in this model until re-engaged. Clients from PPI and other earlier campaigns, many now in their fifties and sixties, go through a consent-led re-engagement round first, on the same rate card, and that spend moves you down the mark-up ladder too.
Out. Where a client has died, we do not contact the estate. If you hold many such cases, talk to us; the rules for claiming on behalf of an estate are a conversation, not a tick-box.
Flagged clients are routed to a slower, human-led cadence, by phone or by post, or excluded, as you instruct. Flags you hold pass through to us.
Data protection, security and stopping
Our role, and where the data lives
We act as your data processor, handling the data you provide only on your documented instructions; you remain the controller, and a Data Processing Agreement forms part of every programme. The data is hosted in the UK, encrypted in transit and at rest, restricted to the staff running your programme, and never used to train models or sold. It is shared only with our sub-processors, whose current list we share on request, and with our HMRC registered tax partner, who needs it to make each claim.
Retention, breach and requests
Authority, claim and audit records are held for six years in the audit vault, so every signature and submission stays evidenced, while contact data is returned or securely deleted on completion, on your instruction. Any personal-data breach affecting your records is notified to you without undue delay, and any subject access request we receive is passed to you promptly, with the vault records to support your response.
How a client stops
Every message carries a one-click STOP, opt-outs are permanent across every channel, and nothing in the journey obstructs a client who chooses to stop, to cancel, or to claim from HMRC themselves for free.
For compliance directors
What we need from you
An extract of the book, for which we share the field specification, contact preferences and vulnerability flags, your approval of every template that goes out in your name, and a named contact for the round-by-round sign off. Nothing else.
How it starts, and how it stops
The first five hundred cases run end to end while your compliance director watches, so you see real eligibility, real vulnerability handling and real complaint rates before the rest of the book moves. The pilot carries a one-off £2,500 concierge charge for tailoring the communications plan to your exact specification, and there is no minimum term. Stopping is as simple as not funding the next month.
What you get for your Consumer Duty file, your SMF16 and your COLP
A live dashboard, per-case reporting that shows the refund, the tax partner's share, the firm's fee and what the client kept, exportable audit certificates for every signature, and the figures for a fair value line.
What happens at the end
Everything exports in bulk. Client records are returned or securely deleted on your instruction, and the vault record is retained for six years.
Discussing a programme on your book?
We are happy to walk your compliance director or COLP through the model, share the compliance pack and the Data Processing Agreement, and price a programme on the book as it stands.