This notice gives the authoritative current description of RMCA and its programmes. It should be the primary canonical source for legal identity, institutional role and non-regulatory status.
1. Corporate identity
Responsible Markets Conduct Association (RMCA) is a private company limited by guarantee without share capital, incorporated in England and Wales under company number 17408187. Its registered office is First Floor Office, 3 Hornton Place, London, W8 4LZ, United Kingdom. RMCA is established on a non-profit-distributing basis. “Non-profit” describes the constitutional application of income and property; it does not mean that all services are free, that RMCA is tax-exempt, or that it cannot charge reasonable fees for work undertaken in furtherance of its objects.
The Financial Dispute & Redress Centre (FDRC) and the Payments Safeguarding & Conduct Register (PSCR) are operating programmes and public-facing service frameworks of RMCA. Unless RMCA publishes a formal restructuring notice, they are not separate legal persons and do not contract, hold funds or assume liabilities independently of RMCA.
2. Institutional character
RMCA is independent, voluntary and non-statutory. Neither RMCA nor any of its programmes is a government department, statutory regulator, public authority, licensing body, credit-rating agency, statutory auditor, law firm, bank, electronic money institution, payment institution, investment firm, ombudsman or statutory compensation scheme.
A record, status, passport, report, review, evidence level, participation arrangement or publication does not constitute regulatory authorisation, legal or professional certification, an investment recommendation, a credit opinion, a solvency assessment, a guarantee of compliance, client protection or future conduct, or an assurance that any bank, regulator, payment provider, investor or counterparty will accept a person or firm.
3. What RMCA and its programmes do
RMCA develops and governs evidence-led, voluntary and non-statutory infrastructure for exact legal-entity identity, public-source information, research, standards and methodologies, programme participation, maintained records and purpose-based institutional access. FDRC applies that infrastructure to defined trading-market conduct, protection, complaints and redress questions. PSCR applies it to payments, permissions, safeguarding, complaints and resolution-readiness questions.
Activities and features are available only where the relevant website status page, published terms and legal perimeter permit. A future feature described in a roadmap, consultation, demonstration or methodology is not necessarily live, available or contractually offered.
4. Global scope without extraterritorial authority
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.
5. Exact-entity and scope discipline
Every substantive conclusion is intended to attach only to the exact legal entity, activity, product or service, customer type, jurisdiction, evidence period and limitation expressly identified. A group brand, common shareholder, shared website, office, introducer, payment provider or service provider does not transfer a licence, safeguarding arrangement, compensation route, participation status, complaint route or evidence conclusion from one entity to another.
Group and brand pages are navigation tools only. They aggregate separately identified legal persons and relationships; they do not carry a group-wide programme status, protection conclusion, safeguarding conclusion or recommendation.
6. No advice, recommendation or financial promotion
The websites and materials provide institutional, factual, educational and methodological information only. They are not legal, tax, investment, financial, accounting, audit, insolvency, sanctions or other regulated professional advice. Users remain responsible for obtaining advice suited to their facts, jurisdiction, product, client category and legal obligations.
Nothing on the websites is an invitation, inducement or recommendation to open an account, invest, trade, acquire, retain or dispose of a financial product, select a payment provider, instruct a claims representative or commence, settle or abandon proceedings.
7. Programme and operator separation
RMCA may appoint Thoth Street Financial Limited or another service provider to supply technology, administration, identity verification, billing support, workflow, publishing, evidence-room or operational services under written terms. The provider acts only within delegated authority and does not acquire ownership of RMCA data or an independent right to determine admission, status, sanctions, appeals, public findings, complaint merits or redress outcomes.
Material outsourcing must be subject to defined scope, role-based access, confidentiality, data-protection obligations, security controls, service standards, audit rights, termination, data portability and transition arrangements. A connected service provider or adviser must not verify or decide the same evidence scope that it prepared.
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.