This notice prevents UK-governance language from creating a false global regulatory halo.
1. UK governance and global coverage
RMCA is governed from the United Kingdom but its public-source indexing, research and voluntary programmes may concern UK and non-UK entities. UK incorporation does not confer regulatory jurisdiction outside the United Kingdom, convert a foreign permission into a UK permission, or extend a UK protection or complaint route to a person who is not legally eligible.
Local legal and regulatory terminology is preserved where practicable. Users must verify current status, permissions and remedies with the cited official authority and obtain local advice where needed.
2. Staged jurisdiction coverage
Global scope does not mean universal or real-time coverage. RMCA may stage jurisdictions according to source quality, language, official access, legal review, operational capacity and risk. The website should identify whether an authority is automated, manually reviewed, planned or unsupported.
3. Local terminology
The official local legal category should be displayed alongside any normalised RMCA programme category. A payment provider is described as an EMI, PI, bank, money transmitter, acquirer or other category only where accurate in the relevant jurisdiction. A trading entity’s product and permission description remains tied to the applicable entity and authority.
4. Rights and remedies
Complaint, ADR, court, compensation, client-money, safeguarding, insolvency and return-of-funds routes vary by entity, product, client or customer category and territory. UK FOS, FSCS, CASS, FCA or other UK language must not be presented as globally applicable.
5. Cross-border data and access
International evidence, institutional access and personal-data transfers require purpose, lawful basis, minimisation, recipient controls and applicable transfer safeguards. A paid account does not create unrestricted global access.
6. Local advice and mandatory law
Users and participants remain responsible for local authorisations, marketing restrictions, disclosure, privacy, complaints, sanctions, tax and other law. RMCA may require a local-law opinion or narrow a programme scope.
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to the stated scope, source class and publication process, but public information may be incomplete, delayed, superseded, jurisdiction-specific or affected by source errors.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.