Free, and here is why.
Bearing is built and published by MPC Digital Ltd, a company registered in England and Wales, under the founder's own name.
MPC Digital Ltd is not authorised or regulated by the Financial Conduct Authority. Nothing here is a personal recommendation, and nothing here is advice about your situation.
Right now, we do not. No commission, no referral fees, no data sold, nothing to unlock.
Every entry in the guide carries a fee flag — No fee to us or Pays us. Today every entry reads No fee to us. If one ever pays, its own page will say so, and it will not change the order, because the order is what you would earn.
Bearing is built by MPC Digital Ltd, whose founder works at Flagstone — an entry in the guide. It is marked and gets the same honest downside as the rest.
It is stated up front rather than buried, because you should be able to discount it if you want to. The guide entry itself is not published yet.
Rates and product terms are checked across the market and every entry carries the date it was last checked. Any balance in the app comes from you — Bearing never estimates one.
We will tell you where cash should go, because that is not regulated advice. We will not tell you to switch an investment or move a pension — that needs a permission we do not have, and we would rather say so than fudge it.
This page names a provider in a conflict declaration rather than to promote it, and invites no deposit. Assessed as outside section 21 — see REGULATORY_REVIEW.md §3.