CONTENTS
  1. 01Install
  2. 02First Launch
  3. 03The Agents
  4. 04Toolbar Reference
  5. 05Core Features
  6. 06Integrations
  7. 07Email Ghost-Writing
  8. 08Morning Briefing
  9. 09Meeting Pre-Brief
  10. 10Compliance Autopilot
  11. 11Scheduled Reports
  12. 12Conversation Routing
  13. 13Knowledge Base
  14. 14Agent Memory
  15. 15Sector Packs
  16. 16Email Assistant
  17. 17Data Analysis
  18. 18Contract & Compliance
  19. 19Document Generation
  20. 20Meeting Assistant
  21. 21Post-Meeting Actions
  22. 22Screen Memory
  23. 23Workflow Builder
  24. 24OCR Scanner
  25. 25Session Review Queue
  26. 26Browser Extension
  27. 27Mobile Companion
  28. 28Collaborative Sessions
  29. 29MCP Servers
  30. 30AI Provider
  31. 31Image Generation
  32. 32Two-Factor Auth
  33. 33Team Mode
  34. 34Enterprise SSO
  35. 35Admin Dashboard
  36. 36Quota Management
  37. 37PII Auto-Redaction
  38. 38Tamper-Proof Audit Trail
  39. 39HARBOUR AI Box
  40. 40Referral Programme
  41. 41Privacy & GDPR
  42. 42Keyboard Shortcuts
  43. 43Troubleshooting
  44. 44Client Sentiment Monitor
  45. 45Knowledge Decay Alerts
  46. 46NHS DSPT Compliance
  47. 47BNF Drug Interaction Checker
  48. 48CQC Self-Assessment
  49. 49SRA Conflict of Interest
  50. 50Court Form Auto-Fill
  51. 51MTD VAT Return Assistant
  52. 52Automated Compliance Reports
  53. 53Regulatory Change Monitor
  54. 54Cash Flow Forecasting
  55. 55Auto Invoice Chasing
  56. 56R&D Tax Credit Assistant
  57. 57Pricing Intelligence
  58. 58Slack / Teams Bot
  59. 59Embeddable Chat Widget
  60. 60Public API
  61. 61White-Label Engine
  62. 62EMMA Hiring Assistant
  63. 63Company Health Dashboard
  64. 64AI Business Simulation
  65. 65Kiosk Mode
  66. 66EMMA as AI Director
  67. 67IR35 Determination
  68. 68MTD Income Tax (ITSA)
  69. 69DSAR Processor
  70. 70Contract Renewals
  71. 71HARBOUR Redact
  72. 72Ofsted Prep
  73. 73GP Referral Letters
  74. 74Care Plan Generator
  75. 75Charity Sector Pack
  76. 76Voice Assistant
  77. 77HARBOUR Translate
  78. 78Code Reviewer
  79. 79HARBOUR Forms
  80. 80GDPR RoPA Builder
  81. 81Breach Response
  82. 82Pen Test Analyser
  83. 83Business Valuation
  84. 84M&A Due Diligence
  85. 85Accounts Production
  86. 86Market Intelligence
  87. 87Clinical Decision Support
  88. 88CRM
  89. 89HRIS
  90. 90Payroll (RTI)
  91. 91Project Management
  92. 92NL Analytics
  93. 93Learning Management
  94. 94RAG Connectors
  95. 95Marketplace
  96. 96Advanced Regwatch
  97. 97Enterprise SSO
  98. 98Open Banking
  99. 99NHS API (FHIR R4)
  100. 100AI Video Interview

Install

WINDOWS

Download HARBOUR-AI-Setup.exe from GitHub Releases, run it, install Ollama from ollama.com, then pull models:

ollama pull llama3.1 && ollama pull llava

LINUX

Install Ollama first, then run the AppImage or deb:

curl -fsSL https://ollama.com/install.sh | sh ollama pull llama3.1 && ollama pull llava chmod +x HARBOUR-AI-*.AppImage && ./HARBOUR-AI-*.AppImage

AppImage won't launch: sudo apt install libfuse2

DOCKER

Run on a server and access via browser:

git clone https://github.com/LOOSEKEY/HARBOUR-AI.git && cd HARBOUR-AI # Set JWT_SECRET, LICENCE_KEY, ADMIN_EMAIL, ADMIN_PASSWORD in .env docker compose up -d docker exec harbour-ollama ollama pull llama3.1

Open http://your-server-ip:8000. See DOCKER.md in the repo for full details.

First Launch

An Onboarding Wizard walks you through use case → model setup → quick-start tips. After that, choose:

The first registered user becomes admin.

The Agents

BELLA
CODE AND TECHNICAL SPECIALIST
SAPPHIRE
RESEARCH AND ANALYSIS
JADE
CREATIVE AND LATERAL THINKING
ELLIE
CRITIC AND DEVIL'S ADVOCATE
EMMA
ORCHESTRATOR — FINAL VERDICT

Toggle agents on/off in the left panel. Add custom agents with + AGENT or install from 🛒 MARKET.

All agents know your name and today's date automatically — no manual context needed.

Toolbar Reference

BUTTONWHAT IT DOES
📋 TMPLTTemplates + sector pack installer
💾 BACKUPSave a timestamped zip of all data
📚 RAGPer-session document upload
🧩 PLUGINSPlugin manager
⏱ SCHEDScheduled tasks
🔌 APIREST API key management
+ AGENTCreate a custom agent
🛒 MARKETAgent marketplace (67 agents, 9 categories)
📄 DOCSAI-filled UK document templates, exported as DOCX
🎙 MEETINGRecord, transcribe, summarise meetings
⚡ FLOWChain agents into automated pipelines
⚖ ANALYSEContract comparison + compliance checker
🛡 AUTOPILOTReal-time compliance scanning on every response
📊 DATAUpload CSV/XLSX, ask questions
✉ MAILAnalyse, reply, summarise, compliance-check, or ghost-write emails in your own voice
🔍 SEARCHFull-text search across all conversations
🏛 KBCompany Knowledge Base (persistent RAG, always-on)
⏰ REPORTSScheduled EMMA reports
JOBSBackground job queue
🧠 MEMAgent memory panel
📝 PROMPTSPrompt library
🔀 AUTOAuto-route messages to the best agent
ROUTECustom routing rules
🤖 MDLModel management + AI provider
👥 TEAMTeam usage (Business licence)
📋 REVIEWAssigned session review queue
🔌 INTEGRATIONSEmail, Teams, and Calendar connections
❓ HELPKeyboard shortcuts + feature reference
⚙ ADMINAdmin dashboard

Core Features

Integrations

Click 🔌 INTEGRATIONS in the toolbar. Three tabs:

EMAIL / OUTLOOK

Connect any IMAP mailbox. Enter host, port, username, app password → SAVE EMAIL CONFIG → FETCH to load inbox. Everything processed locally.

MICROSOFT TEAMS

Paste an incoming webhook URL from your Teams channel (Channel → Connectors → Incoming Webhook) → SAVE TEAMS CONFIG. Agents can then post summaries and alerts directly to your channel.

CALENDAR

Paste an ICS URL (Google Calendar, Outlook, Apple iCal) → SAVE & LOAD TODAY. EMMA fetches today's events for your morning briefing.

Email Ghost-Writing

EMMA learns how you write emails — your tone, vocabulary, greeting style, sign-off, sentence length — and drafts new emails that sound like you wrote them. Open ✉ MAIL → 👻 GHOST.

Step 1 — Train EMMA on your voice

Paste 2–5 emails you have actually written into the training box. Separate each email with --- on its own line. Click 🧠 TRAIN EMMA. EMMA analyses your samples and saves a style profile — this only needs to be done once.

Step 2 — Draft an email

Click 👻 GHOST-WRITE EMAIL. EMMA writes the complete email — subject line, greeting, body, sign-off — matching your style.

Managing your profile

Your style profile is saved permanently. Click RETRAIN to replace it with new samples (useful if your style has changed or you want to train for a different context). The style summary is visible at the top of the draft form so you can verify EMMA understood your voice correctly.

Morning Briefing

EMMA panel → ☀ MORNING BRIEFING → toggle ON → set time → SAVE. Each morning EMMA pulls together today's calendar, unread emails, and a key priority. The briefing appears as a pink banner on open. Dismiss with ✕.

Click ▶ RUN NOW for an immediate briefing at any time.

Meeting Pre-Brief

Fifteen minutes before each calendar event, EMMA automatically reads your Company Knowledge Base, Company Brain, and memories for anything relevant to that meeting — then delivers a sharp, contextual brief as an Always-On alert. EMMA panel → 📅 MEETING PRE-BRIEF → toggle ON.

Setup

Requires a calendar ICS URL connected under 🔌 INTEGRATIONS → Calendar. EMMA checks every 5 minutes and fires a brief for each event starting within the next 5–20 minutes.

What the brief covers

Manual trigger

Click ▶ RUN NOW to immediately generate a brief for any event in the next 2 hours — useful before an unplanned call or to test your setup.

Briefs appear as purple alerts in the 🤖 ALWAYS-ON alerts tab. Each event is only briefed once per session to avoid duplicates.

Compliance Autopilot

Click 🛡 AUTOPILOT (turns green). Select a framework:

After each agent response, HARBOUR AI scans it async. If an issue is found, a coloured banner shows the risk level (LOW / MEDIUM / HIGH) and specific findings. Zero impact on response speed.

Scheduled Reports

⏰ REPORTS → + NEW REPORT. Set agent, prompt, schedule (daily / weekly / monthly), and optional email recipient. Click ▶ RUN NOW for an immediate one-off. Results saved and viewable inline.

Conversation Routing

🔀 AUTO (turns purple) routes each message to the best agent automatically. Built-in rules:

CONTENT DETECTEDROUTES TO
Legal, contracts, GDPR, complianceJADE
Finance, VAT, HMRC, invoicesBELLA
Code, SQL, APIs, debugELLIE
Research, data, analysisSAPPHIRE
HR, employment, disciplinaryBELLA

Custom rules: click ROUTE → add keyword + target agent. Custom rules run first.

Company Knowledge Base

🏛 KB → upload PDF, DOCX, TXT, or Markdown. All agents reference it automatically in every conversation. Upload and delete require Power User or Admin role.

Agent Memory

🧠 MEM → add facts agents recall in every conversation. Examples: "I'm a solicitor specialising in employment law", "Always reply in formal British English". On Business licences, scope facts to PERSONAL or TEAM.

All three methods write to the same store and take effect on the next message.

Sector Packs

📋 TMPLT → Sector Packs — installs templates, prompts, and UK law memory facts in one click:

PACKFOCUS
⚖ LegalContracts, employment law, GDPR, TUPE, DSAR
💼 AccountancyVAT, corporation tax, MTD, R&D credits
👥 HRDisciplinary, redundancy, flexible working, TUPE
🎓 EducationKCSIE 2023, SEND/EHC, Ofsted EIF 2023
🏥 HealthcareCQC SAF, NHS DSPT, Mental Capacity Act, Care Act s.42

Email Assistant

✉ MAIL → paste the email → select a task → ▶ RUN:

Click ↓ TXT to save the result.

Data Analysis

📊 DATA → upload CSV or XLSX → optional question → ▶ ANALYSE DATA. Returns insights, trends, anomalies, data quality issues, and recommendations. Fully offline.

Contract Comparison & Compliance

⚖ ANALYSE:

Frameworks: UK GDPR · ICO Children's Code · FCA Consumer Duty · UK Employment Law · KCSIE 2023 · CQC Fundamental Standards. Both tools support ↓ MD export.

Document Generation

📄 DOCS → select a template → describe the parties and situation → GENERATE & DOWNLOAD DOCX.

Built-in templates: NDA · Letter Before Action · Employment Offer Letter · Client Engagement Letter · Employee Written Warning.

Meeting Assistant

🎙 MEETING → START RECORDING → hold your meeting → STOP RECORDING. Transcribed locally via Whisper. EMMA produces: attendees, key points, decisions, action items (owner + deadline), follow-ups. Export via ↓ MD.

Post-Meeting Auto-Actions

When a meeting recording ends, EMMA automatically extracts every action item and follow-up email from the transcript — no manual review needed. The ✅ ACTIONS toolbar button shows a live count of pending actions.

What gets extracted

Managing actions

Click ✅ ACTIONS to open the panel. Each action shows: task, meeting title, owner, and deadline. Click ✓ DONE to dismiss it once complete.

Ghost-writing follow-up emails

Email-type actions have a 👻 DRAFT FOLLOW-UP EMAIL button. EMMA writes the complete email using your M1 voice profile if trained, or professional UK English if not. Copy to clipboard or download as TXT.

Manual extraction

You can also paste any transcript into POST /meeting-actions/extract via the API to extract actions without going through the recording flow.

Screen Memory

Screen Memory gives EMMA ambient awareness of your workday. Every few minutes, HARBOUR AI captures the title of your active window and stores it locally. EMMA silently includes your recent activity in every conversation — so when you ask for help, she already knows the context.

EMMA panel → 🖥 SCREEN MEMORY → toggle ON. Everything stays in local SQLite. Nothing ever leaves your machine.

What it captures

Using Screen Memory

Click VIEW next to the toggle to open the recall panel. From here you can:

Privacy

Screen Memory is disabled by default and must be explicitly enabled. HARBOUR AI filters out its own window from captures. The full activity log is visible at any time — there are no hidden captures. This is the privacy-first version of what Microsoft Recall attempted: local-only, opt-in, fully auditable.

Workflow Builder

⚡ FLOW → + NEW → add steps (agent + prompt, use {{input}} for previous output) → SAVE. To run: select the workflow, enter starting text, click ▶ RUN WORKFLOW. Export as MD.

OCR — Document Scanner

🔍 OCR → upload an image or use the webcam. HARBOUR AI preprocesses the image and runs Tesseract OCR locally. Edit the extracted text, then click SEND TO EMMA ▶.

Requires Tesseract:

Session Review Queue

⚙ ADMIN → SESSIONS — assign any session to an admin or power user. Assignees view their queue via 📋 REVIEW and read the full conversation inline.

Browser Extension

Install from browser_extension/ in the repo (Chrome / Edge, Manifest V3):

  1. Open chrome://extensions, enable Developer Mode
  2. Click Load Unpacked, select browser_extension/

Select text on any page → ⚓ Ask HARBOUR button appears. Right-click for context menu options. Set auth token and default agent in the popup ⚙ SETTINGS tab.

Mobile Companion

  1. Find your machine's local IP (ip addr on Linux, ipconfig on Windows)
  2. Install Expo Go on your phone
  3. From mobile/: npm install && npx expo start
  4. Scan the QR code, enter http://192.168.1.x:8000, sign in

Features: browse sessions, read history, send messages to EMMA with live streaming. 2FA fully supported. Phone and HARBOUR AI machine must be on the same Wi-Fi network (or backend reachable via VPS).

Real-Time Collaborative Sessions

Click the 👥 icon next to a session name → share the session ID with a colleague → they join via the same icon on their instance. All messages broadcast in real time. Requires Business licence.

MCP (Model Context Protocol)

⚙ Settings → MCP Servers → add a server:

TRANSPORTUSE CASE
stdioLocal subprocess (filesystem, git, etc.)
httpRemote server over HTTP/SSE
streamable-httpModern hosted MCP services

Tools auto-inject into EMMA at connection time.

AI Provider

Defaults to Ollama. To connect LM Studio, vLLM, or any OpenAI-compatible API: 🤖 MDL → AI PROVIDER → set type, base URL, optional API key → TEST → SAVE. Admin only.

Anthropic Claude — select type Anthropic, enter your API key, click SAVE. Recommended models: claude-sonnet-4-6 (fast, balanced), claude-opus-4-7 (most capable).

Per-agent provider routing — each agent can use a different provider independently. 🤖 MDL → PER-AGENT PROVIDER → click any agent to expand → set type, API key, optional model override → SAVE. Classic setup: EMMA on Claude API, the four squad agents on local Ollama. Set to Global to revert an agent to the global provider. Changes take effect immediately.

Image Generation

Connect a local AUTOMATIC1111 instance (./webui.sh --api --nowebui), then 🤖 MDL → 🖼 IMAGE GENERATION → set URL → TEST → SAVE → enable ON. Ask naturally — "generate an image of...", "/imagine ...". Renders inline in chat.

Two-Factor Authentication

🔐 2FA → ENABLE 2FA → scan QR code in your authenticator app → enter 6-digit code → ACTIVATE 2FA. On login, a second screen prompts for the current TOTP code. To disable, enter a valid code and click DISABLE 2FA.

Team Mode (Business — £999)

Shared memories, shared prompt library (TEAM badge), session review queue, and 👥 TEAM panel (member activity, 7-day usage histogram, per-member favourite agents). Power User role can manage the Knowledge Base and review assigned sessions. Admins promote/demote via ⚙ ADMIN → Users.

Enterprise SSO / Active Directory

Requires Enterprise licence. Configure via ⚙ ADMIN → SSO:

Users auto-provisioned on first SSO login.

Admin Dashboard

⚙ ADMIN → tabs: Users · Sessions · Stats · Analytics · Logs · Audit · PII · Branding · Reseller · SSO · Model Cache · Quotas.

Quota Management

Admins can set per-user message limits via ⚙ ADMIN → Quotas.

PII Auto-Redaction

Enable via ⚙ ADMIN → PII → toggle ON. Every incoming chat message is scanned for 11 UK PII types before reaching any AI model. Matched values are replaced with [REDACTED:TYPE].

PII TYPEEXAMPLE
NHS Number123 456 7890
National InsuranceAA 12 34 56 A
UK PostcodeSW1A 1AA
UK Phone07700 900000
Email Addressname@company.co.uk
Credit Card4111 1111 1111 1111
Sort Code20-00-00
Bank Account12345678
Date of Birth01/01/1980
Passport NumberA1234567
Driving LicenceSMITH801011AB9IJ

Every redaction event is logged. The PII admin tab shows total events, total items redacted, breakdown by type, and full event history. Off by default; non-blocking — messages are never dropped on detection failure.

Tamper-Proof Audit Trail

Every logged action is cryptographically chained — any tampering is immediately detectable.

What is logged: every chat interaction · login success and failure (with originating IP) · admin user actions (disable, enable, delete, reset password, change role) · PII setting changes.

Verify the chain: go to ⚙ ADMIN → Audit → VERIFY CHAIN. HARBOUR AI re-walks the full log from GENESIS and either confirms all entries are intact or reports the exact entry ID where the chain breaks.

Export the full log as CSV at any time for offline archiving or ICO evidence packs.

HARBOUR AI Box

A pre-configured hardware appliance for organisations needing zero-setup, air-gapped AI with no IT involvement.

TIERPRICEUSERS
Solo Box£1491 user
Team Box£499Up to 10 users
Enterprise BoxPOAUnlimited

→ Full specs and ordering

Referral Programme

Earn 20% commission per sale. Go to harbour-ai.co.uk/refer, enter your licence key, get your personal REF-XXXXXX link.

Privacy & GDPR

All data stored locally in ~/.harbour-ai/ (Linux) or C:\Users\<name>\.harbour-ai\ (Windows). No telemetry, no cloud, no crash reporting. Passwords hashed PBKDF2-SHA256 (260,000 iterations). JWT sessions with 7-day expiry. Delete everything by removing the ~/.harbour-ai/ folder.

Full compliance statement: harbour-ai.co.uk/gdpr

Keyboard Shortcuts

SHORTCUTACTION
EnterSend message
Shift+EnterNew line
Ctrl+/ or Ctrl+KFocus message input
Ctrl+1–4Toggle BELLA / SAPPHIRE / JADE / ELLIE
Ctrl+EToggle EMMA
Ctrl+DToggle debate mode
Ctrl+Shift+HEMMA Quick Ask overlay (works from any app)

Troubleshooting

PROBLEMFIX
Windows Firewall promptClick Allow
Agents not respondingRun ollama serve
Model missingRun ollama pull llama3.1
AppImage won't launch (Linux)sudo apt install libfuse2
Slow responsesClose other apps, add a GPU
Backend log (Linux)~/.harbour-ai/backend-startup.log
Log location (Windows)C:\Users\<name>\.harbour-ai\harbour-ai.log
Extension not connectingEnsure HARBOUR AI is running on localhost:8000
OCR: Tesseract not foundLinux: sudo apt install tesseract-ocr · Windows: UB-Mannheim installer

Client Sentiment Monitor

EMMA reads every inbound client email daily and scores the relationship — Positive, Neutral, At-Risk, or Churning — using a local language model. Results are stored in the Company Brain. A weekly digest surfaces any At-Risk or Churning relationships so you can act before the client leaves.

SETUP — In HARBOUR AI settings, connect your email account under Integrations → Email. Enable Client Sentiment Monitor. EMMA will scan inbound mail each morning and update sentiment scores. You can also run a manual scan from the Sentiment panel in the dashboard.

SCOREMEANINGRECOMMENDED ACTION
PositiveClient is satisfied and engagedNo action required
NeutralRelationship is stable but passiveSchedule a check-in call
At-RiskDissatisfaction signals detectedContact within 48 hours
ChurningStrong indicators of departure intentEscalate to senior contact immediately

Knowledge Decay Alerts

Knowledge Base entries that have not been reviewed or updated for a configurable number of days are flagged as stale. EMMA sends a weekly digest listing every stale entry with its age and the person who created it. This ensures your Company Brain stays accurate as your business evolves.

CONFIGURE — In Settings → Knowledge Base, set the decay threshold (default 90 days). EMMA will flag any entry older than the threshold in the weekly Decay Digest email. Click any flagged entry in the digest to open it directly in HARBOUR AI for review.

NHS DSPT Compliance Check

Every AI output in the dashboard can be checked against NHS Data Security and Protection Toolkit standards in real time. Non-compliant outputs are flagged inline before they leave the system. The check runs locally — no data transmitted to any cloud service.

ENABLE — In Settings → Compliance, toggle NHS DSPT Mode on. When active, a DSPT badge appears on every AI response. Green = compliant. Red = flag, with the specific standard referenced and a plain-English explanation of the issue.

DSPT AREAWHAT EMMA CHECKS
Data handlingPII not included in outputs sent to non-authorised parties
Access controlsRole-appropriate data returned per logged-in user
Audit trailAll DSPT-related queries logged with timestamp and user
Data minimisationResponses contain only the minimum data required

BNF Drug Interaction Checker

The British National Formulary drug interaction database, offline and embedded within EMMA. Enter any combination of drugs and EMMA flags interactions by severity — HIGH, MEDIUM, LOW — with the clinical effect and a plain-English explanation. No data leaves your device.

USAGE — Open the BNF Drug Checker panel. Type drug names one at a time. Click Check Interactions. Results display immediately. Each result shows: Drug A + Drug B, interaction severity, clinical effect, and management recommendation sourced from the BNF database.

SEVERITYMEANINGCOLOUR
HIGHPotentially life-threatening — avoid combinationRed
MEDIUMClinically significant — monitor closelyAmber
LOWMinor interaction — note in recordsYellow
NONENo known interactionGreen

CQC Self-Assessment

EMMA guides care providers through a structured CQC self-assessment against the five key questions: Safe, Effective, Caring, Responsive, and Well-led. Answers are saved to the Company Brain. EMMA produces a formatted self-assessment report ready for submission or internal governance review.

USAGE — Open the CQC Self-Assessment panel. Select the assessment area. EMMA presents each question with the rating scale and guidance notes. Complete all sections. Click Generate Report to export a formatted PDF or DOCX of the completed assessment.

SRA Conflict of Interest Checker

Before onboarding any new client, run a conflict check across your entire Company Brain — every conversation, document, and relationship EMMA has indexed. Returns CLEAR, POTENTIAL CONFLICT, or CONFLICT, with specific matches and an explanation. Every check is logged with a timestamp for your compliance records.

USAGE — Open the SRA Conflict Check panel. Enter the prospective client name and matter description. Click Run Conflict Check. EMMA searches the Company Brain for any existing matter involving adverse parties, related entities, or conflicting interests. Results include matched source documents for review.

RESULTMEANINGREQUIRED ACTION
CLEARNo conflicts detectedLog result and proceed
POTENTIAL CONFLICTPossible conflict — requires reviewRefer to supervising partner
CONFLICTConflict confirmedDecline matter or obtain informed consent per SRA Code

Court Form Auto-Fill

EMMA fills N1 (money claim), ET1 (employment tribunal), and N244 (application notice) from a plain-English description of the matter. Every required field is mapped automatically. Exports as DOCX ready for review and filing.

USAGE — Open the Court Form Auto-Fill panel. Select the form type. Describe the matter in plain English — claimant, defendant, amount claimed, basis of claim. Click Generate. EMMA fills all fields. Review, edit if required, then export as DOCX.

FORMUSECOURT
N1Money claim (contract, debt, damages)County Court / High Court
ET1Employment tribunal claimEmployment Tribunal
N244Application notice (injunctions, stays, amendments)County Court / High Court

MTD VAT Return Assistant

EMMA reads your transactions from connected accounting software, groups them by VAT category, and populates the nine MTD VAT return boxes automatically. Reviews flagged items before submission. Exports the completed return as a CSV for your bridging software or accountant.

USAGE — Open the MTD VAT panel. Select the VAT period. EMMA retrieves transactions from your connected accounting integration. Review the categorised summary. Address any flagged items. Click Export CSV to get the bridging-ready file.

BOXDESCRIPTION
Box 1VAT due on sales and outputs
Box 2VAT due on acquisitions from EC member states
Box 3Total VAT due (Box 1 + Box 2)
Box 4VAT reclaimed on purchases and inputs
Box 5Net VAT to pay or reclaim
Box 6Total value of sales and outputs (excluding VAT)
Box 7Total value of purchases and inputs (excluding VAT)
Box 8Total value of supplies to EC member states
Box 9Total value of acquisitions from EC member states

Automated Compliance Reports

EMMA generates scheduled compliance reports — weekly, monthly, or quarterly — covering GDPR obligations, regulatory deadlines, outstanding actions, and audit trail summaries. Reports are exported as formatted PDFs and emailed to configured recipients automatically.

CONFIGURE — In Settings → Reports, click New Compliance Report. Select report type (GDPR, Sector Compliance, Audit Summary), schedule (weekly / monthly / quarterly), and recipients. EMMA will generate and deliver reports on schedule, with no manual intervention required.

Regulatory Change Monitor

EMMA monitors GOV.UK, the ICO, FCA, CQC, SRA, and other configured regulatory bodies for new guidance, consultations, and legislative changes. When a relevant update is detected, EMMA generates a plain-English summary and adds a compliance action item to your dashboard.

CONFIGURE — In Settings → Regulatory Watch, select the bodies relevant to your sector. EMMA checks for updates daily and alerts you via dashboard notification and email digest. Each alert includes: source, publication date, plain-English summary, and recommended action.

Cash Flow Forecasting

EMMA models your cash position week by week for the next 90 days using real outstanding invoices, historical payment patterns, and recurring costs from your connected accounting software. An Always-On alert fires when your projected runway drops below your configured threshold.

SETUP — Connect an accounting integration (Xero, QuickBooks, FreeAgent) in Settings → Integrations. In the Cash Flow panel, set your minimum cash threshold (e.g. £10,000). EMMA will run a 90-day projection each morning and alert you if the runway forecast drops below the threshold at any point in the window.

VIEWDESCRIPTION
Weekly forecastProjected cash balance for each of the next 13 weeks
Invoice pipelineExpected receipts from outstanding invoices by due date
Recurring outgoingsKnown recurring costs (rent, payroll, subscriptions) modelled forward
Threshold alertRed line on chart showing your minimum threshold — alerts when forecast crosses it

Auto Invoice Chasing

EMMA sends polite, escalating payment reminders automatically — polite at due date, firm after 14 days, formal at 30 days. Tone adjusts per client relationship. Stops the moment payment is received. Every chase is logged to the Company Brain.

CONFIGURE — In the Invoice Chaser panel, connect your accounting integration. Set escalation intervals and default tone per client tier. EMMA will monitor outstanding invoices and send chases automatically. You can preview and edit any chase before it is sent, or set to fully automatic mode.

STAGETIMINGTONE
Reminder 1Due datePolite — "just a reminder"
Reminder 214 days overdueFirm — "please arrange payment"
Reminder 330 days overdueFormal — "final notice before action"
StoppedOn payment receiptAutomatic — EMMA detects payment and halts sequence

R&D Tax Credit Assistant

EMMA scans your conversations, commits, and documents for HMRC-qualifying R&D activity — technical uncertainty, systematic investigation, advance in science or technology. Estimates the credit value and drafts the technical narrative for your accountant to submit.

USAGE — Open the R&D Tax Credit panel. Set the accounting period. EMMA scans the Company Brain for qualifying activity. Review the identified activities. EMMA produces: a list of qualifying projects with evidence references, an estimated SME credit value, and a draft technical narrative document ready for your accountant.

HMRC QUALIFYING CRITERIONHOW EMMA IDENTIFIES IT
Advance in science or technologyNovel technical approach identified in conversations and documents
Technical uncertaintyProblem-solving language detected — "we didn't know if", "we had to test whether"
Systematic investigationIterative development, testing, and revision patterns in Company Brain
Field of science / technologyDomain classification applied to identified qualifying work

Pricing Intelligence

EMMA monitors competitor pricing pages, job boards, and Companies House filings on a schedule. Hiring patterns reveal revenue direction. Companies House filings reveal financial health. Together they produce a quarterly pricing recommendation with specific evidence.

CONFIGURE — In the Pricing Intelligence panel, add competitor names and URLs. EMMA will check them on your chosen schedule (weekly / monthly). Each cycle produces a competitor snapshot and a pricing recommendation based on market positioning, competitor financial signals, and your current pricing.

Slack / Teams Bot

@EMMA lives in your Slack workspace or Microsoft Teams. Team members ask questions, get Company Brain lookups, and run research — all processed on your local HARBOUR AI instance. Slack and Teams only relay the message text. No AI processing happens in their cloud.

SETUP — In Settings → Integrations → Slack Bot, click Connect Slack. Authorise the HARBOUR AI app in your workspace. EMMA will appear as @emma. In Microsoft Teams, install the HARBOUR AI Teams app from the manifest. Once installed, @mention EMMA in any channel or message her directly.

COMMANDDESCRIPTION
@emma ask [question]Ask EMMA a question — searches Company Brain and web
@emma lookup [topic]Retrieve a specific Knowledge Base entry
@emma summarise [URL]Summarise a web page or document
@emma briefDeliver today's morning briefing to the channel

Embeddable Chat Widget

Embed EMMA on any website using a single script tag. Visitors chat with a customisable AI assistant backed by your Company Brain. All processing runs on your local HARBOUR AI instance — visitor conversations never touch a third-party AI cloud.

SETUP — In Settings → Widget, configure the widget: name, greeting message, colour scheme, and which Knowledge Base collections EMMA can access. Copy the embed snippet. Paste it before the closing </body> tag on your site. The widget appears immediately.

<script src="http://YOUR-HARBOUR-IP:8000/widget.js" data-key="YOUR-WIDGET-KEY"></script>

Public API

Expose HARBOUR AI as a developer API. Issue hbr_ prefixed API keys, set monthly request quotas, and receive HMAC-signed webhooks when events fire. As of v1.0.121 the API covers 10 endpoints across chat, Company Brain, agents, workflows, document generation, and data analysis.

SETUP — In the API panel, click Generate Key. Set a label. The key is shown once — copy and store it securely. All requests must include the header: X-API-Key: hbr_your_key. Developer tier: £49/month, 10,000 requests/month. Usage and remaining quota visible in the KEYS tab.

METHODENDPOINTDESCRIPTION
POST/api/v1/chatSend a message to EMMA — returns a text response
GET/api/v1/usageCheck token usage and remaining quota for the current key
GET/api/v1/brain/statsEntity and relation counts from the Company Brain
POST/api/v1/brain/askQuery the Company Brain with a natural language question
POST/api/v1/brain/ingestIngest text — EMMA extracts entities and relations in the background
GET/api/v1/agentsList all available agents (name, persona, model)
POST/api/v1/agents/{agent_id}/chatChat with a specific named agent by ID
POST/api/v1/workflows/{wf_id}/runRun a multi-step workflow with an initial input string
POST/api/v1/doc/generateFill a document template from plain-English context — returns text content
POST/api/v1/analyseAnalyse CSV data with a natural language question — returns structured analysis

Webhooks: register a URL to receive signed events. HARBOUR AI sends HMAC-SHA256 signed POSTs with the X-HARBOUR-Signature header. Events: chat.completed, brain.asked, workflow.completed, doc.generated.

POST /api/v1/brain/ask X-API-Key: hbr_your_key {"q": "Which clients are at risk of churning?"}

White-Label Engine

License the HARBOUR AI engine to other software companies. They ship "AI by HARBOUR" to their users under their brand. Configure the brand name, logo, colour scheme, and feature set exposed. Revenue share applied per active seat in their deployment.

ACCESS — White-Label Engine is an Enterprise tier feature. Contact HARBOUR AI to discuss licensing terms. Once configured, you receive a white-label build with your partner's branding applied throughout. The partner's users see their product; you receive a per-seat revenue share monthly.

EMMA Hiring Assistant

Post a role, upload CVs, and EMMA scores every candidate against your job description (0–100) — ranked Strong Yes, Yes, Maybe, or No — with specific strengths, weaknesses, and tailored interview questions per CV. Automated acknowledgement emails sent. Everything logged to the Company Brain.

USAGE — Open the Hiring Assistant panel. Paste your job description. Upload CVs (PDF or DOCX, up to 50 at a time). Click Score Candidates. EMMA produces a ranked shortlist. Click any candidate to see their full scorecard and suggested interview questions. Click Send Acknowledgements to dispatch automated replies to all applicants.

RATINGSCORE RANGEMEANING
Strong Yes80–100Meets or exceeds all key criteria
Yes60–79Meets most criteria — worth interviewing
Maybe40–59Partial match — consider if shortlist is thin
No0–39Does not meet key criteria

Company Health Dashboard

EMMA synthesises everything she monitors — email sentiment, cash flow, compliance flags, at-risk clients, regulatory changes, competitor moves — into a single weekly health score (0–100) across five domains: Finance, Compliance, Operations, Clients, and Knowledge.

USAGE — The Company Health Dashboard is available from the main navigation. It updates automatically every Monday morning. Click any domain to drill into the contributing signals. The overall score is a weighted average of the five domain scores. A score below 60 triggers a priority alert.

DOMAINWHAT IT MEASURES
FinanceCash position, overdue invoices, R&D credits identified
ComplianceOutstanding regulatory actions, audit trail health, GDPR status
OperationsWorkflow completion rate, agent availability, integration health
ClientsSentiment scores, at-risk count, churn risk flags
KnowledgeKnowledge Base freshness, stale entry count, coverage gaps

AI Business Simulation

Ask EMMA "What if we lose our biggest client?" and she models the financial and operational impact using your actual Company Brain data. Revenue and cost change percentages, cash position impact, headcount effect, key risks with likelihood ratings — all from your real business data, entirely offline.

USAGE — Open the Business Simulation panel. Type your scenario in plain English (e.g. "What if we hire 3 developers next quarter?" or "What if our largest client churns?"). Click Simulate. EMMA analyses the Company Brain for relevant data and produces a structured scenario report with financial impact, operational risks, and recommended mitigations.

Kiosk Mode

Lock the interface to a role-specific panel set. A nurse sees only DSPT-compliant clinical tools. A receptionist sees only PHONE and RECEPTIONIST panels. Configured by admin per role, applied per user — the employee never sees what is hidden.

CONFIGURE — In Admin → Kiosk Mode, create a role profile. Select which panels are visible for that role. Assign the profile to user accounts. When those users log in, they see only their configured panel set — the sidebar is locked and the settings panel is hidden. To exit Kiosk Mode, an admin must log in with admin credentials.

EXAMPLE ROLEPANELS SHOWN
ReceptionistPHONE, RECEPTIONIST, MEETING ASSISTANT
Clinical staffBNF CHECKER, DSPT COMPLIANCE, MEETING ASSISTANT, KNOWLEDGE BASE
Finance teamCASH FLOW, INVOICE CHASER, MTD VAT, R&D TAX
HR teamHIRING ASSISTANT, HEALTH DASHBOARD, COMPLIANCE REPORTS

EMMA as AI Director

Configure EMMA as a named director of your company. She attends every meeting via transcript, monitors every regulatory deadline, and produces a monthly board pack automatically — P&L narrative, risk register with owners and mitigations, action tracker, KPIs, forward look — exported as DOCX and emailed to the board.

CONFIGURE — In Settings → AI Director, set EMMA's director name (e.g. "EMMA HARBOUR"), the board email list, and the monthly report date. Enable Meeting Attendance to have EMMA process every meeting transcript. The board pack is generated on the configured date each month and emailed as a formatted DOCX attachment. An in-app preview is also available in the Director panel.

BOARD PACK SECTIONCONTENT
Executive SummaryOne-page narrative of the month — wins, concerns, key decisions
P&L NarrativeRevenue, costs, and margin with EMMA's commentary on variances
Risk RegisterActive risks, likelihood ratings, owners, and mitigation status
Action TrackerOutstanding actions from all meetings, with owner and due date
KPI DashboardKey metrics against targets — sourced from Company Brain data
Forward LookUpcoming regulatory deadlines, renewals, and strategic milestones

IR35 Determination Assistant

Navigate to COMPLIANCE › IR35. HARBOUR guides you through 15 HMRC-aligned questions across six assessment areas: Substitution, Control, Mutuality of Obligation, Financial Risk, Integration, and Business on Own Account. EMMA returns a determination — Inside, Outside, or Borderline — with a confidence rating, key factors on both sides, and a recommended action plan. All assessments are saved with full reasoning.

ASSESSMENT AREAQUESTIONS
SubstitutionCan the worker send a substitute? Has substitution occurred?
ControlWho controls when/where/how work is done?
Mutuality of ObligationIs there obligation to offer or accept work?
Financial RiskDoes the worker bear business risk? Quote-based pricing?
IntegrationPart of the client's organisational structure?
Business on Own AccountMultiple clients? Own equipment? Business presence?

MTD Income Tax Self-Assessment

Navigate to TAX › MTD ITSA. Enter quarterly self-employment income and allowable expenses. HARBOUR calculates your full tax estimate using 2025–26 rates and saves the submission to the quarterly log.

TAX COMPONENT2025–26 RATE
Personal Allowance£12,570
Basic Rate Income Tax20% (£12,570 – £50,270)
Higher Rate Income Tax40% (£50,270 – £125,140)
Additional Rate45% (above £125,140)
Class 4 NI (lower)9% (£12,570 – £50,270)
Class 4 NI (upper)2% (above £50,270)
Class 2 NI£3.45/week

DSAR Processor

Navigate to COMPLIANCE › DSAR. Log an incoming Data Subject Access Request with the subject's name and email and the date received. HARBOUR auto-calculates the 30-day statutory deadline, searches the Company Brain, knowledge base, and inbox for all data held on that individual, and generates a compliant response letter.

STATUSMEANING
openReceived, not yet actioned
in_progressSearch underway
completeResponse sent within deadline
rejectedRequest refused with documented reason
extended30-day extension applied (complex request)

Contract Renewal Watchlist

Navigate to CONTRACTS › RENEWALS. Paste contract text and EMMA extracts: contract name, counterparty, start/end dates, renewal date, notice period, auto-renewal flag, and annual value. Contracts inside the notice window are flagged based on urgency.

ALERT LEVELCONDITION
CriticalNotice deadline is 0–7 days away
WarningNotice deadline is 0–30 days away
OKMore than 30 days until notice deadline

HARBOUR Redact

Navigate to TOOLS › REDACT. Paste any text to remove personal data in two passes: a fast regex sweep followed by a local LLM PII sweep. All processing stays on your machine.

ENTITY TYPEREGEX OR LLMPLACEHOLDER
NI NumberRegex[NI_NUMBER]
NHS NumberRegex[NHS_NUMBER]
Email AddressRegex[EMAIL]
UK PhoneRegex[PHONE]
UK PostcodeRegex[ADDRESS]
Sort CodeRegex[BANK_DETAILS]
Full NameLLM[NAME]
Date of BirthLLM[DATE_OF_BIRTH]
Card NumberLLM[CARD_NUMBER]
IP AddressLLM[IP_ADDRESS]

Batch mode: POST to /redact/batch with an array of up to 50 strings. Redaction log viewable at GET /redact/log.

Ofsted Inspection Prep

Navigate to EDUCATION › OFSTED. Answer seven questions per domain across the four EIF inspection areas. EMMA returns a readiness score out of 10, evidence gaps, and recommended actions. Sessions are saved for comparison.

EIF DOMAINQUESTIONS
Quality of Education7
Behaviour and Attitudes7
Personal Development7
Leadership and Management7

GP Referral Letter Generator

Navigate to CLINICAL › GP REFERRAL. Select specialty and urgency, enter the clinical summary. EMMA generates a DSPT-compliant NHS referral letter. Patient names are never stored — only specialty, urgency, age, and sex are retained for audit.

URGENCY LEVELUSE CASE
RoutineNon-urgent, standard pathway
UrgentClinically significant, needs prompt review
Two Week WaitCancer pathway referral (18-day target)
EmergencySame-day / 999 handover

Care Plan Generator

Navigate to CARE › CARE PLAN. Enter the resident/service user ID, care setting, and assessment notes. EMMA generates a person-centred care plan across all five CQC domains. Plans are versioned — each review creates a new linked document.

CQC DOMAINCOVERAGE
PhysicalHealth conditions, medications, mobility, continence
EmotionalMental health, wellbeing, psychological support needs
SocialFamily, relationships, social activities, community
CognitiveMemory, orientation, communication, capacity
SpiritualFaith, beliefs, cultural identity, meaningful activities

Charity Sector Pack

Navigate to CHARITY. Four tools built for the charity sector, all SORP FRS 102 aligned.

TOOLOUTPUT
Annual ReturnTrustees' Annual Report narrative for Charity Commission submission
Gift AidR68-style claim summary — 25p reclaimable per £1 of eligible donation
Impact ReportDonor-facing public impact report with outcomes, numbers, and testimonials
Board PackFull trustee meeting pack: agenda, action tracker, risk register, decisions

HARBOUR Voice Assistant

Navigate to SETTINGS › VOICE. Transcribe audio locally with Whisper — no audio leaves the machine. Supports WAV, MP3, M4A, OGG, WEBM up to 25 MB. EMMA responds in concise, TTS-ready language.

Install Whisper: pip install openai-whisper or pip install faster-whisper. espeak TTS: sudo apt install espeak or pip install pyttsx3.

ENDPOINTPURPOSE
GET /voice/statusCheck Whisper and TTS availability
POST /voice/transcribeUpload audio file → text transcript
POST /voice/respondGenerate concise EMMA response from transcript
GET/POST /voice/configWake word, TTS voice, speed, language
GET /voice/sessionsSession log with transcripts and responses

HARBOUR Translate

Navigate to TOOLS › TRANSLATE. 37 languages translated by the local LLM — no data sent to Google Translate, DeepL, or any external API. Welsh, Irish Gaelic, and Scottish Gaelic supported.

MODELIMITUSE CASE
POST /translate10,000 charsDocuments, emails, messages
POST /translate/document100,000 charsLong reports — auto-chunked by paragraph
POST /translate/batch50 stringsUI localisation, form labels

EMMA Code Reviewer

Navigate to TOOLS › CODE REVIEW. Paste code and select the language. EMMA reviews across seven categories with severity ratings and an overall score out of 10.

CATEGORYWHAT IT CHECKS
SecurityInjection, hardcoded credentials, XSS, CSRF, exposed secrets
BugsLogic errors, null risks, race conditions, type mismatches
PerformanceO(n²) algorithms, N+1 queries, memory leaks, blocking I/O
Code QualityDuplication, magic numbers, dead code, poor naming
StyleFormatting, naming conventions, line length, imports
DocumentationMissing docstrings, outdated comments, undocumented APIs
TestsMissing tests for critical paths, coverage gaps

23 supported languages: Python, JavaScript, TypeScript, Java, C, C++, C#, Go, Rust, Ruby, PHP, Swift, Kotlin, Scala, R, SQL, Bash, PowerShell, HTML, CSS, YAML, JSON, Dockerfile. Standards Review mode lets you check against your own coding standards document.

HARBOUR Forms

Navigate to TOOLS › FORMS. Build no-code AI-processed forms. Each form gets a public submit URL and an embeddable widget. EMMA processes every submission according to your instructions. Webhooks fire HMAC-SHA256 signed on each submission.

FIELD TYPEDESCRIPTION
text, textareaShort or long text input
email, phone, number, dateTyped inputs with HTML5 validation
select, multiselectDropdown — single or multiple selection
checkbox, radioBoolean or option group
file_upload, ratingFile attachment or star rating

Embed: GET /forms/{id}/embed returns a self-contained HTML+JS snippet. Paste into any website. Webhook signature: X-HARBOUR-Signature: sha256={hmac}. Webhook secret shown once on form creation — save it.

GDPR RoPA Builder

Navigate to COMPLIANCE › RoPA. Build and maintain your Article 30 Record of Processing Activities. AI generates processing activity entries from plain-English descriptions. Exports ICO-ready PDF or Excel. Every change is audit-trailed with timestamp and user ID.

FEATUREDESCRIPTION
AI Activity GeneratorDescribe your data processing in plain English; AI produces a structured Article 30 entry
Lawful Basis AdvisorAI recommends the correct lawful basis (Art. 6 / Art. 9) with justification
Retention ScheduleSet retention periods; automatic expiry alerts when records approach review date
Third-Party RegisterLog processors and sub-processors with DPA status and transfer mechanisms
ExportICO-template PDF, Excel, or JSON; includes controller signature block

UK GDPR Article 30 requires organisations with 250+ employees (or any organisation whose processing is likely to result in a risk to rights and freedoms) to maintain a RoPA. HARBOUR AI automates this for any size of organisation. Sync with your DSAR Processor (Section 69) for a complete data map.

Breach Response

Navigate to COMPLIANCE › BREACH RESPONSE. AI-guided 72-hour ICO notification workflow. Classify the breach, assess risk to data subjects, auto-draft ICO notification and subject communications, and track remediation actions through to closure.

STAGEDESCRIPTION
ClassifyConfidentiality, integrity, or availability breach; accidental or deliberate; scope estimate
Risk AssessmentAI scores risk to data subjects (LOW / MEDIUM / HIGH / CRITICAL) with UK GDPR rationale
72h NotificationAI drafts ICO Article 33 notification; editable before submission export
Subject CommunicationArticle 34 letters for high-risk breaches; batch mail-merge ready
Remediation TrackerAction items with owners, due dates, and status dashboard

The 72-hour clock starts when your organisation becomes aware of the breach. HARBOUR AI timestamps breach creation and shows a live countdown. If ICO notification is not required, the system records the rationale with Article 33(1) exemption reference — preserving your audit trail.

Pen Test Analyser

Navigate to SECURITY › PEN TEST ANALYSER. Upload penetration test reports in PDF, DOCX, or JSON (Burp Suite, Nessus, OpenVAS, Metasploit, Nuclei, OWASP ZAP, Qualys, Rapid7, Nmap, CrowdStrike). AI extracts findings, maps to OWASP/CVE/CVSS, and generates an executive summary with prioritised remediation plan.

FEATUREDESCRIPTION
Multi-tool IngestionSupports 10 scanner formats; auto-detected on upload
Finding ClassificationCRITICAL / HIGH / MEDIUM / LOW / INFORMATIONAL with CVSS 3.1 score
OWASP MappingEach finding mapped to OWASP Top 10 or CWE category
Remediation PlanAI generates step-by-step fix guidance prioritised by risk score
Executive ReportBoard-ready PDF: risk summary, trend vs. previous test, compliance impact
Re-test TrackingMark findings as fixed; track re-test status and sign-off

Results are stored in the tamper-proof audit trail (Section 38). The executive summary is suitable for board packs, insurance questionnaires, and client due diligence. HARBOUR AI itself passed an external penetration test in June 2026 — the result is visible on the landing page trust badge.

Business Valuation Engine

Navigate to FINANCE › VALUATION. AI-powered business valuation using four methodologies simultaneously. Input three years of financials; receive a blended valuation range with full workings, comparable transactions, and an investor-ready narrative.

METHODOLOGYDESCRIPTION
DCFDiscounted Cash Flow with WACC, terminal growth rate, and sensitivity table (3×3 grid)
EV/EBITDAEnterprise Value multiples benchmarked against 15 sector peer groups
P/E RatioPrice-to-earnings with sector premium/discount analysis
Asset-BasedNet asset value adjusted for intangibles (IP, brand, customer relationships)
Blended RangeWeighted composite with low/mid/high range and confidence interval

Valuations can be saved, versioned, and compared over time. Suitable for fundraising, M&A, shareholder agreements, and EIS/SEIS applications. Connects to Open Banking (Section 98) for automatic financial data import. Not a substitute for a qualified independent valuation for statutory or legal purposes.

M&A Due Diligence Pack

Navigate to FINANCE › M&A DUE DILIGENCE. Structured deal workspace for buy-side and sell-side M&A transactions. AI analyses uploaded documents across seven due diligence workstreams, flags red flags, and populates a live DD tracker with risk ratings.

WORKSTREAMKEY CHECKS
FinancialRevenue quality, EBITDA normalisation, working capital, debt schedule, contingent liabilities
LegalContracts, IP ownership, litigation, regulatory licences, change-of-control clauses
CommercialCustomer concentration, pipeline quality, competitive positioning, pricing power
HR & PeopleKey-person risk, org structure, employment contracts, pension obligations, IR35 exposure
IT & CyberArchitecture, security posture, tech debt, SaaS dependencies, data residency
TaxTax compliance history, transfer pricing, R&D credits, deferred tax, HMRC correspondence
ESGEnvironmental obligations, supply chain risks, governance structures, social commitments

Upload documents to each workstream; AI extracts relevant data and populates the DD tracker automatically. Red flags are highlighted with severity ratings. The final DD report is generated as a structured Word document with all findings, supporting evidence links, and a deal risk scorecard. Integrates with Business Valuation (Section 83).

Accounts Production

Navigate to FINANCE › ACCOUNTS PRODUCTION. Prepare statutory accounts under FRS 102, FRS 105 (micro-entities), or IFRS. Import trial balance from CSV or Open Banking (Section 98); AI applies the correct disclosure framework and drafts all notes automatically.

STANDARDENTITY TYPE
FRS 105Micro-entities (turnover <£632k, balance sheet <£316k, <10 employees)
FRS 102 Section 1ASmall companies (audit-exempt, turnover <£10.2m)
FRS 102 FullMedium and large companies, groups
IFRSListed companies, subsidiaries of IFRS parents

Output: iXBRL-tagged P&L, Balance Sheet, Notes, Directors' Report, and Auditor's Report template. The iXBRL file is suitable for direct Companies House filing and HMRC CT600 attachment. AI checks disclosures against the applicable standard and flags any mandatory notes that are missing. Review every AI-generated disclosure before filing — HARBOUR AI is not a substitute for a qualified accountant or auditor.

Competitive Market Intelligence

Navigate to STRATEGY › MARKET INTELLIGENCE. Continuous AI-powered monitoring of competitors, market trends, and industry signals. Track up to 50 competitors across 10 intelligence dimensions with automated weekly briefings delivered to your inbox or Slack.

DIMENSIONSIGNALS MONITORED
ProductFeature announcements, pricing changes, job postings indicating R&D direction
CommercialCustomer wins/losses, partnership announcements, contract notices
FinancialFunding rounds, revenue signals, Companies House filings
PeopleExecutive moves, hiring trends, employee sentiment (Glassdoor)
RegulatoryRegulatory actions, sanctions, compliance incidents
TechnicalGitHub activity, patent filings, technology stack changes

AI generates a SWOT update and strategic implications summary each week. Set alert thresholds (e.g., alert if a competitor raises >£5m funding or launches a product in your core market). Pairs with AI Business Simulation (Section 64) to model competitive responses before committing to strategy.

Clinical Decision Support

Navigate to HEALTH › CLINICAL DECISION. NICE Guidelines-aligned decision support for clinical teams. Enter presenting symptoms, patient demographics, and current medications; AI returns evidence-based assessment pathways, drug interaction flags, red flag alerts, and referral recommendations — all citing the source NICE guideline and publication date.

FUNCTIONDESCRIPTION
Symptom AssessmentDifferential diagnosis suggestions ranked by probability with evidence citations
NICE Pathway LookupDirect link to relevant NICE pathway with condition-specific guidance
Drug InteractionsChecks current medication list; flags interactions with severity rating
Red Flag AlertsImmediate visual alert for symptoms indicating serious/life-threatening conditions
Referral GeneratorDrafts GP or specialist referral letters with clinical summary pre-populated
Dosage CalculatorWeight/age-adjusted dosage ranges from BNF with renal/hepatic adjustment flags

IMPORTANT: Clinical Decision Support is a decision aid — it does not replace clinical judgement, examination, or diagnosis by a qualified healthcare professional. All AI outputs must be reviewed by a clinician before acting. Always refer to the current published NICE guideline. Integrates with GP Referral Letters (Section 73), NHS DSPT Compliance (Section 46), and NHS API (Section 99).

CRM

Navigate to CRM. Full customer relationship management with AI-powered engagement scoring, opportunity tracking, and pipeline analytics. Contacts, companies, deals, activities, and communications in one place — with EMMA able to update records from meeting notes automatically.

MODULEDESCRIPTION
Contacts & CompaniesUnlimited contacts with custom fields; automatic company hierarchy linking
Deal PipelineKanban or list view; weighted pipeline value; probability-adjusted forecast
Activity TimelineCalls, emails, meetings, notes — all logged with AI-generated summaries
Engagement ScoreAI scores contact engagement (0–100) based on recency, frequency, and depth of interaction
AI Follow-upEMMA suggests next best action per deal; drafts follow-up emails ready to send
IntegrationAuto-populates from Meeting Assistant (Section 20), Email Assistant (Section 16), and Open Banking (Section 98)

After a meeting, say to EMMA: "Update the CRM for the Acme deal from today's meeting." EMMA reads the meeting transcript, extracts agreed next steps, and updates the deal stage, activity log, and follow-up task automatically. All contact data is stored on-premise — no third-party CRM cloud sync.

HRIS

Navigate to HR › HRIS. Full Human Resource Information System covering the entire UK employment lifecycle. From offer letter to leaver reference — AI drafts all documentation, calculates entitlements, and ensures UK employment law compliance throughout.

MODULEUK EMPLOYMENT LAW COVERAGE
Employee RecordsRight to Work checks, contract management, DBS tracking, emergency contacts
Leave ManagementAnnual leave (Working Time Regulations), sickness (SSP), maternity/paternity/shared parental leave
PerformanceObjective setting, mid-year review, appraisal documentation, PIP workflow
Disciplinary & GrievanceACAS Code-compliant procedures; AI-drafted investigation reports and outcome letters
OffboardingLeaver checklist, reference letter generation, P45 trigger, settlement agreement templates
ComplianceGender Pay Gap reporting data, TUPE alert flags, IR35 risk scoring per contractor

Integrates with Payroll (Section 90) for RTI submissions, IR35 Determination (Section 67) for contractor assessments, and AI Video Interview (Section 100) for recruitment. All employee data is stored encrypted on-premise. GDPR retention schedules are enforced automatically — employee records are flagged for deletion 7 years after employment ends (configurable).

Payroll (RTI)

Navigate to HR › PAYROLL. HMRC Real Time Information payroll for 2025-26. Calculate PAYE, NIC, student loan deductions, and pension contributions. Submit Full Payment Submissions (FPS) and Employer Payment Summaries (EPS) to HMRC via the PAYE API.

FEATUREDETAIL
PAYE & NIC2025-26 tax tables; handles all NIC categories (A, B, C, H, J, M, Z)
Student LoanPlans 1, 2, 4, and postgraduate loan; auto-detection from employee records
Auto-EnrolmentNEST, Peoples Pension, and custom provider; eligible/non-eligible/entitled worker categorisation
RTI SubmissionFPS on or before payment date; EPS for recovery of SMP/SPP; P60 at year end
PayslipsBranded PDF payslips; secure employee portal access; email distribution
CJRS / SSP ReclaimCalculates recoverable SSP; generates EPS recovery values

Payroll connects to HRIS (Section 89) for employee records and to Open Banking (Section 98) for automated salary payment initiation. All RTI submissions are logged with HMRC correlation IDs. Payroll data is retained for 7 years in compliance with HMRC record-keeping requirements. Not a substitute for a qualified payroll professional for complex arrangements.

Project Management

Navigate to PROJECTS. AI-powered project management with RAG health scoring. Gantt, Kanban, and list views. EMMA monitors project health daily and alerts when tasks are at risk — before they become late.

FEATUREDESCRIPTION
RAG Health ScoreAI assigns RED / AMBER / GREEN per project and per milestone based on schedule, budget, and risk signals
Gantt ViewDrag-and-drop timeline with dependency links; critical path highlighted
Kanban ViewSwimlane board by status or assignee; WIP limits configurable
Risk RegisterAI identifies risks from task descriptions; probability × impact scoring; mitigation tracking
Resource PlannerCapacity view across all team members; highlights over-allocation
Status ReportsEMMA generates weekly RAG status report ready for stakeholders; one-click PDF

Ask EMMA: "What's the health of Project Phoenix?" — she reads the current tasks, schedule, and risk register, and responds with a spoken or written RAG summary. Integrates with HRIS (Section 89) for resource allocation and NL Analytics (Section 92) for project cost analysis.

Natural Language Analytics

Navigate to ANALYTICS › NL ANALYTICS. Query any connected data source in plain English. No SQL required. EMMA translates your question into a query, executes it, and returns a chart or table with a plain-English explanation of the result.

DATA SOURCEEXAMPLE QUESTIONS
CRM (Section 88)"Which deals are stuck in proposal stage for more than 30 days?"
Open Banking (Section 98)"What was our biggest expense category last quarter?"
Payroll (Section 90)"What is our total employer NIC cost this tax year?"
Projects (Section 91)"How many projects are RED status this week?"
HRIS (Section 89)"How many employees have a probation review due in the next 30 days?"
Custom SQLConnect any SQLite, PostgreSQL, or MySQL database

EMMA shows the generated SQL before executing — you can review, edit, or reject it. Results are exportable as CSV or chart image. Complex multi-step queries are broken into sub-queries with intermediate results shown at each step. All queries are logged in the audit trail.

Learning Management System

Navigate to HR › LEARNING. AI-powered LMS with CPD tracking. Create courses, assign learning paths, track completion, and issue certificates. EMMA can generate course content from your existing documents and knowledge base.

FEATUREDESCRIPTION
Course BuilderModules, lessons, quizzes, and video embeds; AI generates quiz questions from lesson content
Learning PathsAssign prerequisite sequences; role-based auto-enrolment
CPD TrackingLog CPD hours per employee; generates CPD statements for professional bodies
Compliance TrainingMandatory training tracker with escalation alerts for overdue completions
CertificatesAuto-issued branded PDF certificates on course completion with verifiable ID
AI TutorEMMA answers learner questions in the context of the current course material

Generate course content by asking EMMA: "Create a GDPR awareness course from our privacy policy and data protection policy." She produces a 5-module course with lessons and quiz questions ready to publish. Integrates with HRIS (Section 89) for completion records and CPD certificates. Supports SCORM 1.2 import for existing e-learning content.

RAG Connectors

Navigate to SETTINGS › RAG CONNECTORS. Connect external data sources to HARBOUR AI's Retrieval-Augmented Generation engine. EMMA searches across all connected sources when answering questions, citing the source document and relevance score for every retrieved chunk.

CONNECTOR TYPESUPPORTED SOURCES
File SystemsLocal folder sync, network share (SMB/CIFS), SFTP server
Cloud StorageSharePoint / OneDrive, Google Drive, Dropbox, Box
DatabasesPostgreSQL, MySQL, SQLite, MongoDB — query results ingested as documents
Web & RSSWeb crawler (depth configurable), RSS/Atom feeds, sitemap ingestion
APIsGeneric REST connector with JSON path extraction; authentication: API key, OAuth2, Bearer
CommunicationEmail (IMAP), Slack export, Microsoft Teams export

Each connector has a configurable sync schedule (real-time, hourly, daily, weekly). Documents are chunked, embedded, and stored in the local vector store — nothing leaves your server. Set per-connector access controls so team members only retrieve from sources they're authorised to see. Connectors integrate with the Knowledge Base (Section 13).

Marketplace

Navigate to MARKETPLACE. Browse, install, and manage third-party extensions, sector packs, prompt libraries, and agent templates. Published by HARBOUR AI and verified community developers. All marketplace items are code-reviewed before listing.

CATEGORYEXAMPLES
Sector PacksLegal, Healthcare, Finance, Education, Construction, Charity, Hospitality
Agent TemplatesPre-configured EMMA personas for specific roles (PA, Paralegal, Nurse, CFO)
Prompt LibrariesCurated prompt collections for marketing, HR, compliance, sales
IntegrationsPre-built connectors for popular SaaS tools (Xero, Salesforce, HubSpot, Sage)
Report TemplatesBranded report templates for common use cases

Installing a marketplace item does not send any data to HARBOUR AI servers. Items are downloaded once and run locally. Rate each item after use — ratings inform the marketplace ranking algorithm. To publish your own items, contact loosekeyz84@proton.me for developer programme access.

Advanced Regulatory Horizon Scanning

Navigate to COMPLIANCE › ADVANCED REGWATCH. Monitors 50 UK and international regulators in real time. AI classifies each publication by impact, urgency, and applicability to your sector configuration. Daily digest with action-required items flagged at the top.

REGULATOR GROUPEXAMPLES
FinancialFCA, PRA, Bank of England, PSR, FRC, HMRC, Companies House
Data & PrivacyICO, EDPB, FTC, CPPA (Canada)
HealthMHRA, NICE, CQC, NHS England, HSE
Legal & JusticeSRA, Bar Standards Board, CLC, MOJ, HMCTS
EmploymentACAS, Equality & Human Rights Commission, Gangmasters Authority
Environment & ESGEA, DEFRA, FCA ESG, Companies House climate disclosure
InternationalEU AI Act, SEC, EBA, ESMA, BIS, Basel Committee

Set your sector profile (e.g., Financial Services + Healthcare) and Advanced Regwatch automatically filters to relevant publications. AI generates a plain-English impact summary and a suggested action checklist for each significant change. Integrates with Regulatory Change Monitor (Section 53) — Advanced Regwatch covers 50 regulators vs 10 in the standard module. Action items feed directly into the Compliance Autopilot (Section 10).

Enterprise SSO

Navigate to SETTINGS › ENTERPRISE SSO. Configure SAML 2.0 or OIDC federation with your organisation's identity provider. Supports Azure AD, Okta, Google Workspace, ADFS, PingFederate, and OneLogin. Just-In-Time (JIT) user provisioning creates HARBOUR AI accounts automatically on first SSO login.

PROVIDERPROTOCOL
Azure AD / Entra IDSAML 2.0 or OIDC; supports Microsoft group claims for role mapping
OktaSAML 2.0 or OIDC; Okta group push for role sync
Google WorkspaceOIDC; Google group membership maps to HARBOUR AI roles
ADFSSAML 2.0; supports claim rules for attribute mapping
PingFederateSAML 2.0; adapter configuration via SP metadata
OneLoginSAML 2.0 or OIDC; OneLogin role mapping
Generic SAMLAny SAML 2.0 compliant IdP; manual attribute mapping

Download your SP metadata from SETTINGS › ENTERPRISE SSO › [Configuration] › SP Metadata and upload it to your IdP. Attribute mapping: email, first name, last name, display name, groups, and role are configurable per configuration. Session tokens are short-lived (1 hour) with silent refresh. Audit trail records every SSO login with IdP assertion hash. Pairs with Team Mode (Section 33) and Admin Dashboard (Section 35).

Open Banking

Navigate to FINANCE › OPEN BANKING. Connect to 15 UK banks via the Open Banking OBIE / PSD2 framework. Retrieve real-time account balances and transaction history with your explicit consent. AI categorises transactions, analyses cash flow, and flags covenant breaches automatically.

FEATUREDESCRIPTION
Supported BanksLloyds, Barclays, NatWest, HSBC, Santander, Starling, Monzo, Revolut, Nationwide, Metro, TSB, Co-op, First Direct, Tide, Cashplus
Consent FlowOBIE-compliant consent: you authorise at your bank; no credentials stored by HARBOUR AI
AI Categorisation20 spend categories: payroll, suppliers, HMRC VAT, HMRC PAYE, rent, utilities, travel, and more
Cash Flow AnalysisAI generates 3-scenario cash flow forecast (base, optimistic, stress) with narrative commentary
Covenant MonitorDefine financial covenants (e.g., minimum cash balance, max debt ratio); automated breach alerts
Accounts ProductionFeeds directly into Accounts Production (Section 85) and Business Valuation (Section 83)

Open Banking connections use OAuth2 with your bank's authorisation server. HARBOUR AI stores only the access/refresh tokens (encrypted at rest) — never your banking credentials. Tokens expire per the bank's consent period (typically 90 days) and you will be prompted to re-consent. Transaction data is stored locally and never sent to any third party.

NHS API (FHIR R4)

Navigate to HEALTH › NHS API. Integration with NHS Digital APIs using the FHIR R4 standard. Perform PDS patient demographic lookups, raise e-Referral Service requests, issue EPS prescriptions, and retrieve NHS terminology — all within the secure HARBOUR AI environment.

NHS APIFHIR RESOURCE
PDS (Patient Demographics)Patient — NHS number (modulus-11 validated), demographics, GP record
EPS (Electronic Prescriptions)MedicationRequest — issue, cancel, and track prescriptions
e-Referral ServiceServiceRequest — create referrals with auto-generated UBRN
BARS (Booking & Referral)Appointment — book, amend, cancel across NHS services
GP ConnectPatient — access GP records for shared care (authorised providers only)
SNOMED CT TerminologyConcept search, hierarchy navigation, description lookup
ODS (Organisation Data)Organisation — look up NHS organisations by ODS code or name

NHS API access requires registration with NHS Digital and approval of your use case. Configure your NHS Digital credentials under SETTINGS › NHS API › Configuration. All NHS API calls are made server-side; no patient data is transmitted to third-party services. Clinical Decision Support (Section 87) uses NHS API data for real-time patient context. Must be operated in accordance with NHS Digital data sharing agreements and DCB0129/DCB0160 clinical safety standards.

AI Video Interview Platform

Navigate to HR › AI INTERVIEWS. End-to-end video interview platform powered by AI. Create interview templates, generate STAR-framework questions, invite candidates with unique secure tokens, collect asynchronous video responses, and receive a structured hire/no-hire scorecard — without scheduling a single call.

STAGEDESCRIPTION
Template BuilderDefine role, interview type (competency, technical, cultural, panel, etc.), and evaluation criteria
AI Question GeneratorEMMA generates STAR-framework questions tailored to the role and competency framework
Candidate InviteUnique token-authenticated link; candidates access without creating an account
Async Video SubmissionCandidates record on any device; supported formats: MP4, WebM, MOV, AVI, MKV
AI EvaluationScores each response across 8 dimensions: communication, problem solving, technical depth, leadership, culture fit, self-awareness, resilience, and impact orientation
ScorecardSTRONG_HIRE / HIRE / HOLD / NO_HIRE with confidence score, strengths, concerns, onboarding focus, and compensation guidance
Multi-Candidate CompareSide-by-side ranking of up to 10 candidates with AI narrative justification

All video files are stored locally — never uploaded to third-party services. AI evaluation uses only transcripts and structured response data; video files are processed locally. Integrates with HRIS (Section 89) for offer letter generation and onboarding workflows. Pairs with EMMA Hiring Assistant (Section 62) for the full recruitment lifecycle. Ensure your use of AI in hiring complies with the Equality Act 2010 and ICO guidance on AI and employment decisions.

Trust Center & Signed Receipts (v1.0.134)

Click 🛡 TRUST in the toolbar. Every install has its own cryptographic identity — an Ed25519 "Trust Root" key generated on first run — and every AI generation automatically gets a signed receipt: proof of which install produced which output, with which model, at what time. Receipts contain SHA-256 hashes only; your prompts and outputs never enter a receipt.

TABWHAT IT DOES
RECEIPTSBrowse receipts; click one to verify its signature on the spot (✓ valid / ✗ altered) and export as JSON. COPY PUBLIC KEY shares your install's key so anyone can verify your receipts.
LEDGER (admin)The audit log is hash-chained and periodically signed. Verify the whole ledger, sign a checkpoint on demand, or download a signed export for an auditor.
COLLECTIVEPreview of opt-in federated improvement. Not live — nothing is transmitted today regardless of the toggle. Consent is off by default and revocable.

Independent verification: a recipient does not need HARBOUR. Paste a receipt at harbour-ai.co.uk/verify (runs entirely in their browser — nothing is uploaded) or run the offline verifier script shipped in the repo. A valid receipt proves provenance and integrity — that this exact output came from this install, unaltered. It does not certify the output is factually correct.

MSP Console — Fleet, RBAC & Billing (v1.0.134)

🏢 TENANTS (admin) is now a full MSP console with four tabs:

TABWHAT IT DOES
TENANTSCreate and manage tenants, plus per-tenant CONFIG & GUARDRAILS: allowed models, blocked agents, monthly token budget — enforced at chat time.
FLEETEvery device that checks in: platform, version, online status. Issue LOCK / UNLOCK / WIPE — each command is signed by the console's Trust Root and the device verifies the signature before executing. All commands audited.
RBACPer-agent / per-tool / per-module permission matrix. Default allow; precedence is user deny > user allow > role deny > role allow.
BILLINGPer-tenant 30-day rollup: users, active users, messages, tokens, estimated cost — the numbers an MSP needs to invoice clients.

Certification Evidence Packs (v1.0.134)

Click 📜 CERTS. Generates audit-ready evidence for Cyber Essentials / CE+ (the five NCSC control areas) and SOC 2 (the five Trust Services Criteria). Describe your current practice and HARBOUR drafts the evidence section: the requirement, how you meet it, the artefacts an assessor will request, gaps with remediation, and self-assessment answers. ⬇ DOWNLOAD SIGNED BUNDLE compiles every generated section into one Trust-Root-signed bundle a recipient can verify. Unknowns are always marked [TO CONFIRM] — review before submission.

Workflow Recorder (v1.0.134)

Click ⏺ RECORDER, name the workflow, hit START — the toolbar shows a red REC ● while recording. Do the task normally: every prompt you send to any agent is captured as a candidate step. Hit STOP, then CONVERT — the local model generalises your prompts into a reusable workflow (run-specific details become {{input}}, chained steps use {{previous_output}}) saved straight into the ⚡ FLOW engine to run, schedule, or trigger like any other workflow.

New Sector Suites: Conveyancing, Insurance, Recruitment, Property (v1.0.134)

Click 🧭 SECTORS. Sixteen new tools across four regulated verticals:

SUITETOOLS
ConveyancingTitle register review (covenants, easements, charges, requisitions) · local search summaries with red flags · pre-contract enquiries drafted from your findings · exchange→completion checklist with statutory deadlines (SDLT 14 days, AP1 priority period)
InsurancePolicy wording comparison with clause references · ICOBS 5.2 demands & needs statements with Consumer Duty fair-value notes · renewal reviews that flag silent cover reductions · claim notification and dispute letters
RecruitmentSourcing packs (boolean strings, alternative titles, outreach openers) · client-ready candidate submissions · right-to-work checklists with statutory-excuse recording · terms of business and fee letters (Conduct Regulations 2003)
Property / LettingsTenancy agreement compliance review (Tenant Fees Act, deposit cap, s.11, Renters' Rights Act readiness) · landlord compliance audits with deadlines and penalties · rent reviews with tribunal-defensible assessment · formal notices with validity-prerequisite checklists

All outputs are drafts for professional review, not legal advice. Transition-period law (e.g. Renters' Rights Act commencement) is flagged [CHECK CURRENT LAW]; the Regulatory Change Monitor is the live source.

Encrypted Secrets Vault (v1.0.134)

🛡 TRUST → VAULT (admin). API keys and integration credentials are stored AES-256-GCM encrypted — the vault's data key exists on disk only wrapped under a key derived from your install's Trust Root, so a stolen copy of the database yields nothing. Store a secret with a handle and reference it anywhere as {{secret:handle}} (MCP headers, environment variables, URLs). The raw value resolves only at the moment of use and never sits in config files, prompts, logs, or receipts. Your AI provider API key is vaulted automatically when saved in settings.

Injection Firewall & Output Guardrails (v1.0.134)

🛡 TRUST → FIREWALL (admin). Content HARBOUR didn't author — web results, scraped pages, indexed documents, Computer Operator inputs — can carry hidden instructions aimed at the AI. The firewall scans all of it before it reaches an agent: instruction overrides, prompt-extraction attempts, persona hijacks, hidden zero-width characters, tool-call injection, image-URL exfiltration.

MODEBEHAVIOUR
QUARANTINE (default)Hostile content is replaced with a notice before reaching the AI
FLAGContent passes through behind a visible warning — for false-positive recovery
OFFScanning disabled

Output guardrails: organisation rules applied to what the AI says back — banned topics (block or flag) and a required disclaimer on every response, enforced before the signed receipt is emitted so receipts hash exactly what the user received. Every firewall detection is logged with source, findings, and a content sample. Your own prompts are never scanned — only untrusted content.

Local E-Signature & Content Credentials (v1.0.134)

🛡 TRUST → E-SIGN. Sign a document or text with your install's Trust Root — the manifest proves who signed what (by hash) and when, and is verified by anyone at harbour-ai.co.uk/verify or with the offline script, no HARBOUR install needed. No DocuSign, no cloud. Content credentials issue a signed "generated by HARBOUR AI" provenance manifest for an exported file — robust because it's a signature over the file's hash, not a strippable watermark.

Consent Management & Bias Auditor (v1.0.134)

Consent platform: a registry of data subjects and their consents — purpose, lawful basis, evidence, expiry, withdrawal — closing the GDPR loop with the DPIA/ROPA/DSAR tools. A subject lookup returns everything held for one person for a DSAR response. Bias & fairness auditor: tests decision outcomes from sensitive flows (hiring, lending) for disparate impact using the four-fifths (80%) rule courts and regulators apply under the Equality Act 2010, with an AI compliance narrative. A screening signal, not a legal determination.