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This Statement of Works (“SOW”) sets out the scope, deliverables, commercial terms, and obligations for the design, build, and ongoing management of a bespoke AI-powered UDC (Undisclosed Commissions) front-end claims automation platform (“the Platform”).
| Supplier | Stixx Digital Ltd (trading as EngageAI Solutions) |
| Company No. | 11767230 |
| Contact | Mark Williams (CTO) / Gavin Thorne (CEO) |
| support@engageaipro.com | |
| Phone | +44 7458 159824 |
| Website | engageai.pro |
| Client | Claims Advice Bureau (UK) Limited |
| Company No. | 05518043 |
| Registered Address | 128-130 Whitworth Road, Rochdale OL12 0JG |
| FCA FRN | 837876 |
| VAT Number | 276622483 |
| Directors | Anthony Doran, Luke Averill |
The Client operates within the financial claims sector, specifically focused on Undisclosed Discretionary Commission (UDC) claims against motor finance lenders. The Client requires a fully automated, AI-powered front-end system that processes consumer claims from initial capture through to lender submission, DSR assessment, CFA signing, and handoff to the back-end processor (Saber Mine).
The Platform is designed to handle 500–1,000 cases per day (15,000–30,000 per month) with zero manual intervention, operating as a fully managed service where EngageAI manages all technology end-to-end on behalf of the Client.
The Platform comprises a 12-step automated process across five phases, supported by eight API/AI integrations. The Supplier will design, build, test, deploy, and manage the complete system as described below.
Additionally: A real-time dashboard and case management interface providing visibility across all 12 stages.
The Platform requires eight distinct API/AI integrations, each constituting a separate engineering effort with authentication, error handling, rate limiting, retry logic, and testing:
| # | Integration | Description |
|---|---|---|
| 1 | SMS / AI API | Real-time form abandonment detection, contextual AI messaging, response parsing and data reinsertion |
| 2 | Credit Bureau API | Soft search execution, multi-lender result parsing, agreement identification |
| 3 | Lender Rules Database | Dynamic rules engine, per-lender document requirements, no-code configuration updates |
| 4 | Template Engine | Multi-lender LOA and CFA generation, dynamic field population, version management |
| 5 | Built-in Digital Signing | Dual signing flow (LOA + CFA), multi-document envelopes, status tracking, automated reminders. Zero third-party costs |
| 6 | ID Verification | Conditional document capture per lender, image quality validation, secure upload and encrypted storage |
| 7 | AI Assessment Engine | Reads and interprets DSR responses, extracts agreement data, assesses eligibility, flags cases for CFA issuance |
| 8 | SMTP / Email Service | Templated lender communications, automated document packaging, delivery tracking and bounce handling |
The Supplier shall deliver the following:
| # | Deliverable | Description |
|---|---|---|
| D1 | 12-Step Automation Platform | Complete front-end claims system as described in Section 3.1, deployed and operational |
| D2 | 8 API/AI Integrations | All integrations as described in Section 3.2, fully tested and production-ready |
| D3 | Real-Time Dashboard | Case management interface with visibility across all 12 stages, including reporting and analytics |
| D4 | Hosting & Infrastructure | Production deployment with monitoring, scaling, and security. Included in retainer |
| D5 | Unlimited Email Campaigns | Ongoing email campaign management consolidated into the monthly retainer (replacing prior standalone service) |
| D6 | Documentation & Handover | System documentation, team walkthrough, and operational guides |
The Platform will be delivered over a four-week build period commencing upon receipt of the first payment instalment and all required onboarding materials from the Client.
| Period | Focus | Key Activities |
|---|---|---|
| Week 1–2 | Architecture & Core Build | Database design, landing page, authentication, dashboard framework, AI capture logic, credit bureau API integration |
| Week 2–3 | Integrations & Logic | Lender rules engine, LOA generation, digital signing, AML/KYC capture with conditional rules, SMS integration |
| Week 3–4 | Automation & Testing | Lender email automation, AI DSR assessment engine, CFA signing flow, Saber Mine handoff, end-to-end testing, load testing at target volumes |
| Week 4 | Go-Live & Support | Controlled launch with live monitoring, real-time issue resolution, performance optimisation, team walkthrough |
The four-week timeline assumes timely provision of all Client dependencies as set out in Section 9 (Client Obligations). Delays in providing required materials may extend the delivery timeline proportionally.
| Item | Amount | Notes |
|---|---|---|
| Platform Build | £12,000 | Bespoke AI-powered UDC front-end system |
| Exclusivity Fee | £2,500 | One-time fee, non-refundable (see Section 7) |
| Upfront Total | £14,500 | Payable in two instalments |
| Milestone | Amount | Trigger |
|---|---|---|
| On Commencement | £7,250 (50%) | Due before work begins. Invoice raised by the Client |
| On Completion | £7,250 (50%) | Due on delivery and sign-off of the Platform |
| Item | Amount | Notes |
|---|---|---|
| Monthly Retainer | £2,000/month | Begins on completion, not on commencement |
The monthly retainer covers ongoing platform support, hosting, and unlimited email campaigns. This consolidates the existing £1,250/month email campaign service into the new retainer.
| Component | Amount |
|---|---|
| Upfront Fees (Build + Exclusivity) | £14,500 |
| Monthly Retainer (12 months) | £24,000 |
| Year One Total | £38,500 |
The Platform relies on a number of third-party services to operate, including but not limited to AI APIs (e.g. Anthropic, OpenAI), database and infrastructure hosting (e.g. Supabase, Render), and email delivery services. These services are provisioned and managed by the Supplier but held in the Client’s name and billed directly to the Client by the respective providers.
As the Client is FCA-regulated and acts as the Data Controller (see Section 14), it is a regulatory requirement that all third-party service accounts and billing relationships are held in the Client’s name. The Supplier is not a regulated entity and therefore should not hold regulated service accounts on the Client’s behalf.
This is consistent with the existing arrangement for the credit bureau, where the Client holds its own account and payment credentials. The Supplier integrates, configures, and manages these services on behalf of the Client but does not bear the cost of third-party usage.
The Supplier will advise the Client on which services are required and assist with account setup where necessary. The Client is responsible for maintaining active accounts and valid payment methods with all required third-party providers.
In consideration of the one-time Exclusivity Fee of £2,500, the Supplier agrees that it will not design, build, or deploy a substantially similar UDC front-end claims automation platform for any direct competitor of the Client. This exclusivity applies for the duration of this SOW and the active monthly retainer.
Upon termination of the retainer, the Supplier shall be free to engage with other clients without restriction. The Exclusivity Fee is non-refundable regardless of when or how the SOW or retainer is terminated. For the avoidance of doubt, while the exclusivity restriction ceases on termination, the Supplier’s obligations under Section 13 (Proprietary Business Information) survive indefinitely — the Supplier will never use or disclose the Client’s business processes, specifications, or operational knowledge, regardless of the status of this agreement.
For the avoidance of doubt, the Supplier retains the right to provide general AI, automation, and technology services to other clients in the financial claims sector at any time, provided those services do not constitute a substantially similar UDC front-end claims automation platform during the exclusivity period.
The underlying platform, framework, source code, AI models, and core integrations (“Platform IP”) shall remain the exclusive property of the Supplier.
All bespoke configurations, lender rules, templates, workflow settings, and client-specific data created for or by the Client during the operation of the Platform (“Client IP”) shall be owned by the Client.
While the monthly retainer is active, the Client is granted an exclusive licence to use the Platform IP for the purpose of operating its UDC claims business. This licence is conditional upon the Client maintaining an active monthly retainer as set out in Section 6.3. Upon termination of the retainer, the licence to use the Platform IP shall cease and access to the Platform will be withdrawn.
The Client retains full ownership of all Client IP at all times, including after termination. Upon termination, the Supplier will provide an export of all Client IP and case data in a standard format. The Platform itself, including all source code, integrations, and infrastructure, remains the exclusive property of the Supplier and will not be transferred, copied, or made available to the Client.
For the avoidance of doubt, the exclusivity provisions in Section 7 restrict the Supplier’s ability to deploy a substantially similar platform for competitors, but do not transfer ownership of the Platform IP to the Client.
The Client shall provide the following in a timely manner to enable delivery within the agreed timeline:
The Platform shall be deemed accepted upon the Client confirming that the following criteria have been met:
The Client shall have five (5) business days following delivery to confirm acceptance or raise specific deficiencies. If no response is received within this period, the Platform shall be deemed accepted.
Following acceptance, the Supplier will provide ongoing support and management under the monthly retainer, including:
The monthly retainer does not include new features, upgrades, or additional functionality beyond the scope of the Platform as delivered. Any enhancements, integrations, or development work requested by the Client following completion shall be scoped and quoted separately by the Supplier.
The retainer may be terminated by either party with sixty (60) days’ written notice. Upon termination of the retainer, access to the Platform will be withdrawn at the end of the notice period. The Supplier will provide the Client with an export of all case data and Client IP held within the Platform in a standard format. The Platform itself, including all source code, integrations, and infrastructure, remains the exclusive property of the Supplier and will not be transferred. Following termination, the Supplier shall have no obligation to provide ongoing support, hosting, updates, or management of the Platform.
Both parties agree to keep confidential all non-public information disclosed during the course of this engagement, including but not limited to business strategies, technical architectures, client data, commercial terms, and proprietary processes. This obligation survives the termination of this SOW.
The Client has disclosed, and will continue to disclose during the course of this engagement, proprietary business information that is central to the Client’s commercial operations (“Proprietary Business Information”). This includes but is not limited to:
The Supplier acknowledges that this Proprietary Business Information has been shared solely for the purpose of designing, building, and managing the Platform under this SOW. The Supplier agrees to the following obligations, which survive the termination of this SOW indefinitely:
This Section 13 operates in addition to, and does not limit or replace, the general confidentiality obligations in Section 12. In the event of any conflict, the more protective provision shall prevail.
The Supplier acknowledges that the Platform will process personal data of consumers. The Supplier shall comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 in all aspects of the Platform’s design, operation, and data handling. Consumer data shall be encrypted at rest and in transit, with access limited to authorised personnel and systems only.
The Client remains the Data Controller. The Supplier acts as a Data Processor in respect of personal data processed through the Platform. A separate Data Processing Agreement (DPA) may be entered into if required by the Client.
The Supplier’s total aggregate liability under this SOW shall not exceed the total fees paid by the Client under this SOW in the twelve (12) months preceding the claim. Neither party shall be liable for indirect, consequential, or incidental damages, including loss of profit, loss of data, or business interruption, except in cases of gross negligence or wilful misconduct.
Either party may terminate this SOW by giving sixty (60) days’ written notice to the other party.
Termination during the build phase: If the Client terminates prior to completion, the Supplier shall retain any fees paid in respect of work completed to date. If the Supplier terminates prior to completion, the Supplier shall refund any fees paid in respect of work not yet completed. In either case, no Platform IP shall be transferred to the Client, as all intellectual property remains the exclusive property of the Supplier per Section 8.
Termination of the retainer (post-completion): As set out in Section 11, access to the Platform will be withdrawn and the Client will receive an export of all case data and Client IP in a standard format. No source code, platform components, or Platform IP shall be transferred to the Client. The Supplier has no obligation to provide ongoing support, hosting, or updates following termination.
By signing below, both parties agree to the terms and conditions set out in this Statement of Works.