Asset managers face a critical challenge: mastering the sprawling complexities of client agreements and financial terms across global operations. Legacy systems force teams to navigate fragmented data, calculate fees manually, and track terms across disconnected platforms. A growing number of leading investment firms is turning to TermsCloud, a purpose-built agreement management solution designed specifically for the asset management industry.
The Hidden Cost of Fragmented Agreement Management
Asset managers often rely on outdated spreadsheets, email trails, and legacy agreement management systems to handle one of their most critical datasets - financial terms. The consequences are severe:
- Revenue leakage: Buried trailer fees, service fees, and preferential fund rates go untracked, directly impacting profitability
- Compliance risk: Difficult-to-reconcile terms create audit challenges and regulatory exposure
- Slow insights: Manual processes delay visibility into client profitability by weeks or months
- Operational inefficiency: Sales, finance, and operations teams work with conflicting data, causing misalignment on net revenue and rebate calculations
For a typical $250 billion AUM manager, this fragmented approach translates to approximately $300,000 annually in compliance and oversight costs, plus the hidden expense of missed revenue optimisation opportunities (source: Aiviq analysis).
What is TermsCloud Agreement Management?
TermsCloud is a cloud-based agreement management platform built by Aiviq, a leading client data platform trusted by some of the world's largest investment managers. It brings all your client agreements and financial terms together in one place, helping teams work more efficiently and spot opportunities they might have missed before.
Unlike generic document management systems, TermsCloud is built specifically for asset managers. It handles the day-to-day complexities that matter most:
- Institutional and intermediary fee terms (flat, tiered, threshold-based)
- Trailer, service, and platform fees
- Complex distributor relationships and legal entity hierarchies
- Rebate calculations and payment obligations
- Multi-currency and cross-regional billing
Key Benefits of Agreement Management with TermsCloud
1. Real-Time Net Revenue Visibility
TermsCloud delivers daily annualised net revenue insights that reveal your true client profitability. Unlike quarterly reporting cycles or month-end closes, asset managers gain fresh visibility on revenue and rebate dynamics across the entire business. This enables:
- Accurate financial forecasting for FP&A teams
- Data-driven client segmentation and tiering
- Early identification of unprofitable relationships
2. Eliminate Billing and Rebate Errors
Centralised term validation and automated fee calculations reduce payment errors significantly. By mastering all distributor obligations in one system, teams eliminate the reconciliation headaches that plague finance departments and improve cash flow accuracy.
3. Unified Client Data Intelligence
When integrated with Aiviq's AUM & Flow Master, TermsCloud creates a complete client book of record (CBOR) that connects agreement data to actual client economics. Sales teams access unified client intelligence; finance teams gain authoritative attribution for profitability analysis.
4. Streamlined Distributor Oversight
Centralised legal entity and agreement mastering provides unprecedented transparency across distributor relationships. Operations teams can monitor commercial risk, validate terms, and ensure compliance at scale - critical capability for global asset managers.
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Royal London Asset Management, one of the UK's leading active fund managers overseeing £173 billion in assets, demonstrates the power of modern agreement management.
After a successful three-year implementation of Aiviq's AUM & Flow Master in 2021, Royal London expanded their platform usage to include TermsCloud in 2025. The motivation was clear: gain access to near real-time, high-precision client net revenue KPIs that account for trailer fees, service fees, preferential fund rates, and non-standard terms typically invisible in legacy systems.
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By integrating TermsCloud with their existing Aiviq AUM & Flow data, Royal London now supports critical use cases across sales, marketing, client service, and finance - including financial planning, campaign planning, and client segmentation. The solution replaced legacy software and unified fragmented workflows.
Why Asset Managers Choose TermsCloud Over Legacy Systems
- Purpose-built for asset management: TermsCloud understands the nuances of fund agreements, trailer fees, and complex distributor arrangements
- Native cloud architecture: Deployed on modern infrastructure (Snowflake, Azure), enabling seamless integration with enterprise data platforms
- Rapid implementation: Implementations complete in as little as 10 weeks, compared to months for traditional agreement management systems
- Integrated with AUM & Flow data: When deployed alongside Aiviq's AUM & Flow Master, creates a unified client book of record
- Enterprise security & governance: Bank-grade security with ISO 27001:2022 accreditation, strict data separation, and secure instance isolation
- Global support: Aiviq offers around-the-clock "follow the sun" support for global asset managers across all time zones
The Future of Agreement Management in Asset Management
As asset managers face increasing regulatory scrutiny, margin pressure, and the need to scale operations globally, modern agreement management matters more than ever. Outdated spreadsheets and disconnected document repositories can't keep pace with the speed and accuracy that today's investment firms need.
TermsCloud offers a better way - built specifically for asset managers, integrated with modern data platforms, and supported by enterprise-grade infrastructure. Firms that modernise their agreement management gain clearer visibility into client profitability, reduce operational costs, and free up teams to focus on what matters most: growing the business rather than chasing data.
Whether you're a multi-billion dollar global manager or a growing boutique firm, the trend is clear: leading asset managers are making the move to modern agreement management.
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