This policy protects the institutional identity and database while preserving proportionate quotation and public-interest use.
1. Ownership and licences
Unless stated otherwise, RMCA or its licensors own the websites, programme names, marks, taxonomies, methodologies, written content, page design, software, databases and compilations. Factual public information may originate from third-party official sources; those sources retain their own rights and authority.
Users may quote short extracts with accurate attribution and a link to the canonical page for genuine reporting, research or internal compliance. Systematic scraping, bulk reproduction, resale, removal of limitations, creation of misleading certificates, impersonation, use of marks without permission, or use of content to imply endorsement is prohibited except under a written licence or applicable law.
2. Programme names and marks
RMCA, Responsible Markets Conduct Association, FDRC, Financial Dispute & Redress Centre, PSCR, Payments Safeguarding & Conduct Register, RCEF, logos, profile identifiers, programme marks and related visual devices may be protected by trade mark, passing off, copyright, design, contractual or other rights. No implied licence is granted by publication.
A participant may use an authorised programme mark only under the written Marks Licence Schedule, for the exact entity and scope, during a current status period, linked to the canonical profile. The mark must not be described as regulatory approval, certification, a safety guarantee or coverage of a group or affiliate.
3. Public facts and source materials
Facts are not owned merely because RMCA records them. However, selection, verification, taxonomy, arrangement, wording, annotations, source mapping, history, database structure and presentation may be protected. Official and third-party materials remain subject to their own rights and terms.
4. Allowed uses
- Link to canonical public pages.
- Quote limited extracts with clear attribution, date and material limitations.
- Use public facts for genuine internal risk, compliance, journalism, research or education while independently verifying them.
- Use licensed API or export functions within the agreed purpose, volume and downstream wording controls.
5. Prohibited uses
- Bulk scraping, harvesting, cloning or republishing a substantial part of a database without permission.
- Training or operating a competing commercial profile, rating, certification or lead-generation service from RMCA data without licence.
- Removing dates, sources, limitations, record class or non-participant labels.
- Issuing a static certificate or badge that can survive after status changes.
- Impersonating RMCA or registering confusing domains, accounts or marks.
- Using RMCA content in unlawful, misleading, defamatory, manipulative or financial-promotional material.
6. API and data licensing
Higher-volume, systematic, machine-readable or commercial use requires a written licence. Licences may set purpose, fields, rate, attribution, security, retention, update, audit, correction, onward-distribution and termination rules. Public API access, if offered, does not include confidential evidence, case data, bank details or reviewer notes.
7. Notice and enforcement
Permission and infringement enquiries should be sent to legal@rmca.org.uk. RMCA may require correction, removal, account suspension, technical blocking, preservation of evidence or legal action.
Accuracy, availability and liability
RMCA uses reasonable care appropriate to the stated scope, source class and publication process, but public information may be incomplete, delayed, superseded, jurisdiction-specific or affected by source errors. No representation is made that a website, register, source link, alert or data feed is continuously available, complete, real-time or suitable for a user’s particular purpose.
To the fullest extent permitted by law, RMCA excludes implied warranties and shall not be liable merely because a person reads, downloads, receives or relies on public information. Nothing excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation, or any mandatory liability under applicable consumer law. Contractual users may have separately stated rights and limits.
Governing law and legal effect
Unless a separate contract states otherwise, these terms and non-contractual obligations arising from them are governed by the law of England and Wales. The courts of England and Wales have jurisdiction, subject to any mandatory rights, applicable consumer forum, arbitration or ADR rule that cannot lawfully be displaced.
Nothing in these terms overrides mandatory local law. If a provision is invalid or unenforceable, it is treated as modified to the minimum extent necessary, and the remaining provisions continue.
Changes and contact
RMCA may amend this document prospectively to reflect law, technology, programme scope, operating arrangements or risk. The current version, effective date and material change note should appear on the canonical page. Continued use after an effective change constitutes acceptance only to the extent permitted by law; material contractual changes follow the applicable contract.
Legal enquiries may be sent to legal@rmca.org.uk. Privacy enquiries: privacy@rmca.org.uk. Factual corrections and right-of-reply requests: corrections@rmca.org.uk. Security reports: security@rmca.org.uk. General service complaints: complaints@rmca.org.uk.
Responsible Markets Conduct Association — Company No. 17408187; incorporated in England and Wales; registered office: First Floor Office, 3 Hornton Place, London, W8 4LZ, United Kingdom.