This policy is the central legal and editorial control for registers, profiles, passports, research and exports.
1. Purpose
RMCA publishes structured information to improve legal-entity identification, source transparency, conduct understanding, complaint navigation, safeguarding visibility and institutional due diligence. The purpose is to organise and explain evidence, not to replace official records or make an unqualified judgement about a firm.
2. Record classes
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.
3. Evidence states and wording
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.
4. Scope and entity attribution
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.
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. Sources
Sources may include official registers, regulators, courts, insolvency office-holders, public notices, published decisions, company legal pages, audited or professional documents, participant submissions and independently obtained confirmations. Each field should identify source class, date checked, evidence period and material limitation.
A link to an official source is not a warranty that the source is accurate or continuously available. RMCA does not silently convert company marketing language into an independent finding.
6. Analysis and inference
A page must label official fact, entity statement, documentary review, RMCA analysis and inference separately. Inferences must identify their basis and uncertainty. Unresolved allegations, investigations and appeals must be described without a presumption of fault or finality.
7. No reliance or recommendation
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.
8. Search and presentation
Search order reflects identity and query relevance, not trust, safety, quality, popularity, payment, sponsorship or commercial relationship. No record receives paid placement or a hidden status advantage. Programme, record class, exact legal name, jurisdiction, status date, evidence date and limitations must be visible above the fold.
9. Corrections and history
RMCA seeks to distinguish official fact, participant or third-party submission, RMCA analysis, inference and matters not established. Material factual errors may be reported without charge. RMCA may seek evidence, contact an affected person, publish a response, correct or qualify a record, preserve a visible change history, or decline a request that is unsupported, abusive, irrelevant or seeks to suppress accurate information.
A right of reply is not a right to dictate editorial conclusions, erase accurate historical information, prevent fair comment, require publication of confidential or unlawful material, or obtain a favourable programme decision. Corrections and challenges are handled under the applicable policy and do not determine legal liability.
Intellectual property and permitted use
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.
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.