# Applied Incantations

> London-based fractional general counsel and legal R&D practice for fintech, regtech, and other regulated startups and scaleups, led by David Wormley, a financial regulation and technology lawyer.

Applied Incantations pairs hands-on fractional legal counsel with software tools built to remove repetitive regulatory and commercial work, so legal judgement is spent on what actually needs it. The practice is owned and run by a practising solicitor but is not itself SRA-regulated, and does not conduct reserved legal activities.

## Entity

- **Person:** David Wormley — Founder; London-based financial regulation and technology lawyer.
- **Organization:** Applied Incantations Ltd (England & Wales, Company No. 16966036) — dual brand: fractional GC / legal R&D practice and legal-tech software studio.
- **Products (shipped):** ndaflow (ndaflow.ai); Enchanttments; EUR-Lex Legislation Diff. Spellcast is a public good on this site.

## About

- [About David Wormley](https://appliedincantations.com/about): Experience-driven operator record. Required career signals include:
  - Founder, Applied Incantations Ltd (2026–present) — legal counsel + software dual practice.
  - Sole counsel / first legal hire pattern — Risk Ledger Ltd (Series B, part-time, 2026–present) and ComplyAdvantage (2016–2019, first London ops hire → sole counsel).
  - Senior BigLaw financial services regulation — Paul Hastings, Herbert Smith Freehills, Mayer Brown (2019–2026).
  - American Express EMEA anti-financial crime legal secondment (2024).
  - Sector focus — payments, fintech, cryptoassets, wholesale markets, asset management, AML/sanctions.
  - Enrichment: FCA authorisations and changes in control; s.166 FSMA skilled person reviews; notable UK transactions (e.g. Link Fund Solutions; GTCR/Worldpay).

## Services

- [Services Overview](https://appliedincantations.com/services): Hands-on advisory and operational support including:
  - **Fractional General Counsel**: Serving as the dedicated legal lead for growing companies.
  - **Legal Operations**: Building playbooks, automated templates, and contracting workflows.
  - **Regulatory Strategy**: Advising on licensing, authorisations, product counsel, and compliance frameworks (data privacy, anti-financial crime, and financial services).
  - **Supervisory Engagement**: Preparing for and managing regulatory interactions and skilled person (s.166) reviews.

## Products

- [ndaflow.ai](https://appliedincantations.com/products/ndaflow): Automated legal playbook and workflow tool by David Wormley to review, markup, and approve routine NDAs in 60 seconds, routing only exceptions to legal. Live product: https://ndaflow.ai
- [Regulatory Change Manager](https://appliedincantations.com/products): Tool for translating regulatory horizon-scanning into tracked, actionable implementation tasks. (In development)
- [Policy Harness](https://appliedincantations.com/products): Tool for creating, versioning, and managing compliance policies and controls at scale. (In development)
- [SuPersuader](https://appliedincantations.com/products): Internal tool for reviewing draft policies and regulatory communications against supervisory expectations. (In development/internal)
- [Issues List Creator](https://appliedincantations.com/products): Internal utility converting contract markup and comments into structured negotiation tables. (In development/internal)

## Public goods (free tools & statutory resources)

- [Legislative Resources](https://appliedincantations.com/resources): Consolidated UK and EU financial services regulatory legislation, Level 2 RTS/ITS measures, Level 3 guidelines, and EBA/ESMA Q&A references (covering MiCA, PSD2, AIFMD, and EMD).
- [EUR-Lex Legislation Diff](https://appliedincantations.com/products/eur-lex-diff): Visual tool by David Wormley for tracking and comparing changes to consolidated EU legislation (directives and regulations) over time.
- [Handbook Helper](https://appliedincantations.com/products/handbook-helper): Browser extension by David Wormley streamlining work with the FCA Handbook via instant deep links, citations, and clean provision text copying.
- [Enchanttments](https://appliedincantations.com/products/enchanttments): Outlook attachment manager by David Wormley that automatically renames, reorders, and processes attachments.
- [Spellcast Style Checker](https://appliedincantations.com/products/spellcast): Document style checker for Microsoft Word and Google Docs by David Wormley. Checks for style guide consistency, defined term integrity, cross-reference errors, typography issues, and drafting leftovers. Runs locally with no data sent externally.

## Contact

- [Work with David](https://appliedincantations.com/services): Contact information and engagement details for fractional GC or regulatory projects. Direct email: david@appliedincantations.com.
- LinkedIn (person): https://www.linkedin.com/in/davidwormley/
- LinkedIn (company): https://www.linkedin.com/company/appliedincantations/

## Legal

- [Privacy Notice](https://appliedincantations.com/privacy): Data processing policy.
- [Terms](https://appliedincantations.com/terms): Site usage terms.
- **Company Details**: Applied Incantations Ltd is registered in England and Wales (Company No. 16966036).