These terms govern public access to the RMCA website ecosystem. Programme applications, participation, institutional access and case functions are governed by additional terms.
1. Acceptance and scope
By accessing or using a public RMCA website, programme website, public register interface or publication, you agree to these Terms of Use. If you act for an organisation, you confirm that you are authorised to use the service on its behalf. If you do not agree, do not use the relevant service.
These terms do not by themselves govern an application, participation, institutional subscription, evidence room, API, complaint or case. Those functions require separate terms. If there is a conflict, the more specific written terms prevail for that function.
2. Who operates the websites
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.
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.
3. Status and permitted purpose
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.
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.
4. Public records and evidence
The system distinguishes at least four record classes: (1) current programme participants; (2) indexed public-source entity records; (3) former, inactive or historical programme records; and (4) Observatory research or event records. A fifth class may be used for clearly labelled fictional or design demonstrations. These classes have different meanings and must not be treated as interchangeable.
“Indexed” means that RMCA has created a source-bounded identity or public-information record. It does not mean that the entity applied, participated, consented, was reviewed under a full programme methodology or received an endorsement. “Authorised representative access confirmed” means only that a representative was verified for administration or correction purposes. Participation requires separate application, review, decision and contractual admission.
Evidence and public wording are field-level and scope-specific. Identity may be independently corroborated while another statement is self-declared, documentary, expired, not established or under review. RMCA does not compress different evidence states into a universal trust, safety or quality score.
A statement such as “not evidenced within the reviewed scope” means that sufficient evidence was not identified for that field and scope. It must not be read as proof that an arrangement does not exist. Dates, sources, limitations, exclusions and material corrections form part of the record.
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.
5. Permitted use
You may search, read, download and share links to public materials for lawful personal, journalistic, academic, compliance, risk, due-diligence or internal business purposes, subject to these terms and any page-specific notice.
You must independently verify material information and must not present RMCA content as a substitute for an official register, professional advice, contractual warranty or your own due diligence.
6. Prohibited conduct
- Misrepresenting an indexed record as participation, approval, accreditation or endorsement.
- Altering, cropping or removing dates, sources, limitations, status labels or non-reliance wording.
- Creating or circulating false certificates, badges, screenshots, QR codes or profile extracts.
- Using automated means in a manner that degrades service, bypasses rate limits, collects personal data unlawfully or breaches a published robot, API or licence rule.
- Attempting unauthorised access, impersonation, malicious submission, interference, malware, credential abuse or extraction of restricted data.
- Using content to market an unlawful, misleading or unauthorised product or service.
7. Accounts and submissions
Where an account or form is offered, information must be accurate, current, lawful and submitted by an authorised person. You are responsible for credentials, devices and activity under your account. RMCA may require verification, restrict access, preserve evidence, reject submissions or suspend an account to protect users, records, security or legal compliance.
A submission does not create confidentiality, privilege, representation, participation or a duty to publish unless separate written terms say otherwise. Do not send confidential complaint or evidence-room material through an ordinary website contact form.
8. Fees and commercial neutrality
Basic public search, core public-source identity information and factual-correction routes are intended to remain free. Fees may be charged for defined application processing, KYB and source review, evidence mapping, independent review, programme maintenance, material-change work, case administration within a confirmed legal perimeter, institutional monitoring, authorised exports, dossiers, consented evidence rooms, APIs, research, training and convening.
No fee purchases a listing, favourable status, search priority, richer public wording, deletion of accurate history, suppression of a correction, a complaint outcome, regulatory approval or a bank or market decision. Ordinary factual corrections do not depend on payment or participation.
9. Intellectual property
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.
10. Third-party sources and links
Third-party sources and links are provided for attribution, verification or convenience. Their inclusion does not imply endorsement or continuing availability. The official source remains responsible for its own content and status. You must comply with third-party terms and intellectual-property rights.
11. Suspension, changes and availability
RMCA may change, suspend, restrict or withdraw a website feature, page, data field or access route for legal, security, integrity, operational or programme reasons. It will use proportionate efforts to preserve canonical records, material correction history and contractual rights.
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.