Renewals · Regulatory deadlines

Rolling out

Counts back from the deadline, not from memory.

A renewal is a regulated deadline with a notice period attached. Aoibhe resolves the obligation to a date, counts back the statutory window, and has the notice drafted and waiting before it falls due.

14 Aug 2026
17 Jul 2026 — 20 working days back
Ready for broker approval
AWAITING
Email — granted

The date logic is data, not folklore.

The notice period sits in the system as a rule with a market attached. It does not sit in somebody’s head. The Irish default counts back twenty working days from the renewal date. When a rule changes, the rule changes, and every deadline already in flight moves with it.

Obligations that chain.

One obligation creates the next. A renewal date produces a notice deadline; the notice produces its own follow-up window. The chain resolves on its own, so the second and third steps are not left depending on whoever remembered the first.

Drafted early, approved by you.

The notice is written and waiting ahead of the deadline. A broker reads it, changes what needs changing and approves it. Nothing reaches a client because a timer expired and nobody was looking.

Consent decides who hears from you.

A client who has opted out of a channel is not contacted on it. Consent is held per client and per channel and is checked before anything goes out. A regulator asking you to evidence consent is asking for exactly that check.


Questions

Renewals, in detail.

Does Aoibhe send renewal notices automatically?
Only if a brokerage explicitly turns it on. Automatic sending is off by default and has to be enabled for each type of notice, on top of a brokerage-level attestation and a check that the client has consented on that channel. If any of those is missing the notice becomes a broker task instead of going out.
How far in advance is a renewal notice prepared?
The system counts backwards from the renewal date by the statutory notice period for the market. In Ireland that is twenty working days before renewal, so the draft exists well before the deadline, not on the day.
Which channels are renewal notices sent on?
Email and WhatsApp, on whichever the client has consented to. Delivery is recorded against the client file so there is evidence of what was sent, on what date, through which medium.
What does “rolling out” mean for this feature?
Deadline tracking and drafting run today and are in use with pilot brokerages. Automated sending is being switched on brokerage by brokerage instead of all at once, because the attestation and consent checks behind it have to be set up per firm.
What happens if a client has opted out?
They are not messaged on that channel. The deadline still appears on the brokerage’s worklist so a broker can reach them another way, which means an opt-out never silently becomes a missed obligation.


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Renewal notices and regulatory deadlines — AI Broker | AI Broker