CFA Legal & Trust Centre
Important information about the scope of Consumer Fraud Awareness, user-generated content, business verification, ratings, FraudShield and the limits of our responsibility.
Please read this Legal Disclaimer carefully.
Consumer Fraud Awareness (“CFA”, “we”, “us” or “our”) provides an independent platform for consumer awareness, reviews, complaints, business responses, verification tools and educational information. Use of the Platform is subject to this Disclaimer, our Terms of Use, Privacy Policy, Cookie Policy and Content Policy.
Section 01
This Legal Disclaimer explains the nature and limitations of the information, services, tools and content available through CFA’s websites, applications, dashboards, communications and related services (collectively, the “Platform”).
It applies to all visitors, consumers, businesses, contributors and other users of the Platform. By accessing or using CFA, you acknowledge that you have read and understood this Disclaimer.
This Disclaimer must be read together with our other legal policies. Where a specific subject is governed by another policy or agreement, that document will apply to that subject.
Section 02
CFA is an independent consumer awareness, transparency, review and complaint platform. We provide tools that help users share experiences, access information, communicate with businesses and make more informed decisions
CFA is not a government authority
We are not a ministry, regulator, police department, statutory body, consumer court or law-enforcement agency.
CFA is not a judicial body
We are not a court, arbitrator, tribunal, ombudsman or formal dispute-resolution authority.
CFA is not a professional adviser
We are not a law firm, accounting firm, investment adviser, medical provider or immigration adviser.
CFA is an information platform
We facilitate awareness, publication, verification workflows and communication, subject to our policies.
References to government bodies, regulators, courts or other institutions do not imply affiliation, endorsement or authority unless expressly stated.
Section 03
Reviews, complaints, comments, ratings, evidence, attachments, replies and business responses may be submitted by users or authorised business representatives.
Contributors remain responsible for the accuracy, legality and fairness of the content they submit.
Section 04
We take reasonable steps to promote reliable information, prevent abuse and correct identified errors. However, CFA does not warrant that all content is complete, accurate, current, verified, lawful or free from mistakes.
Information may become outdated, be based on incomplete records, contain user error or change after publication. Business information may also be sourced from public records, third-party databases or submissions that are outside CFA’s direct control.
Do not rely on CFA as the sole source for a major legal, financial, medical, employment, immigration, investment or purchasing decision. Independently verify material facts before acting.
Section 05
Content on CFA is provided for general consumer awareness, educational and informational purposes only. Nothing on the Platform constitutes:
You should consult an appropriately qualified professional where your circumstances require specialist advice.
Section 06
CFA may conduct checks relating to business identity, registration, ownership, contact information, domain control, documents, operational details or other evidence.
A verification outcome means only that the stated checks were completed using the information available at the relevant time. It is not a continuous guarantee of the business, its owners, employees, services or future conduct.
| A verification may indicate | A verification does not guarantee |
|---|---|
| Specified identity or registration information was reviewed. | That every statement made by the business is true. |
| Control of a particular email, phone number or domain was demonstrated. | That those details will remain secure or unchanged. |
| Selected documents appeared consistent with the applicable process. | That documents cannot later be withdrawn, altered or challenged. |
| The business met the criteria for a defined status at that time. | Future quality, solvency, ethics, safety, legality or customer satisfaction. |
Section 07
A CFA badge is a limited trust signal connected to a particular verification level, validity period and verification record. It should always be checked through CFA’s official badge-verification page.
Users should review the badge status, scope and verification details before relying on it.
Section 08
FraudShield is designed to support risk awareness through enhanced checks, monitoring, alerts or related safeguards. It is intended to reduce uncertainty, not eliminate risk.
FraudShield may help
Surface warning signs, verify selected details, provide monitoring and support more informed decisions.
FraudShield is not insurance
It does not provide compensation, reimbursement or financial protection against loss.
FraudShield is not a guarantee
It cannot ensure that fraud, misconduct, insolvency or poor service will never occur.
FraudShield is not legal clearance
It does not replace regulatory checks, contracts, due diligence or professional advice.
Section 09
Ratings and reputation indicators may be calculated from reviews, complaint outcomes, verification information, response activity, moderation decisions and other platform signals.
They are dynamic and may change as new information is received, content is removed or reinstated, disputes are resolved or platform methodologies are updated.
Section 10
CFA may facilitate communication between consumers and businesses, request information, display responses, record status updates or provide resolution tools. We do not control whether a party responds, cooperates or reaches agreement.
Unless expressly stated in a separate written agreement, CFA does not guarantee:
Any settlement or undertaking between parties remains their responsibility.
Section 11
You remain responsible for decisions made using information found on CFA. Before entering a transaction, sharing money or personal information, or relying on a business, you should carry out appropriate independent checks.
Verify identity
Confirm the legal entity, contact details and authorised representatives.
Review evidence
Check contracts, licences, policies, payment terms and supporting records.
Assess risk
Consider independent reviews, warning signs and the value at stake.
Seek advice
Use qualified professional or government guidance where needed.
Section 12
CFA may rely on independent service providers for hosting, payments, analytics, communications, authentication, identity checks, security, data sources or other technical functions.
These providers operate under their own terms, systems and policies. To the extent permitted by law, CFA is not responsible for their independent acts, omissions, outages, delays, security incidents or service decisions.
Section 13
The Platform may link to business websites, government pages, regulators, courts, media, social networks, payment providers, educational resources or other external services.
Links are provided for convenience and context. CFA does not control, endorse or guarantee the availability, security, accessibility, accuracy, legality or privacy practices of external websites.
Section 14
We aim to keep the Platform secure and available, but continuous or error-free operation cannot be guaranteed. CFA may modify, suspend, restrict or discontinue any page, feature, status, score, verification process or service where reasonably necessary.
Access may be affected by maintenance, technical faults, cyber incidents, legal requirements, third-party systems, force majeure events or circumstances beyond our control.
Section 15
To the maximum extent permitted by applicable law, CFA and its directors, officers, employees, contractors, affiliates and service providers will not be liable for indirect, incidental, special, exemplary, punitive or consequential loss arising from or connected with the Platform.
This includes, without limitation, loss of profit, revenue, opportunity, business, reputation, goodwill, data, anticipated savings, use, contracts or customers, and losses arising from:
Nothing in this Disclaimer excludes or limits liability that cannot lawfully be excluded, including any non-excludable rights available under applicable consumer law.
Section 16
To the extent permitted by law and subject to our Terms of Use, users may be responsible for claims, losses, liabilities, costs and expenses arising from their unlawful use of the Platform, false or misleading submissions, infringement of third-party rights, privacy violations, fraud, impersonation or breach of applicable policies.
This section does not require a consumer to waive rights that cannot legally be waived.
Section 17
CFA may preserve, restrict, remove or disclose information where reasonably necessary to comply with applicable law, valid legal process, court orders, regulatory requests, fraud investigations, security obligations or the protection of users and the public.
Where permitted, we assess requests for legal validity, scope and relevance. We may also challenge, narrow or refuse requests that appear invalid, excessive or inconsistent with applicable law.
Section 19
Questions about this Legal Disclaimer may be sent to support@consumerfraudawareness.com.
Please include the relevant page, feature or issue and enough information for us to understand your request. Do not send passwords, one-time codes, complete payment-card details or unnecessary sensitive identity documents.
Need help understanding these Terms?
Contact CFA support or visit the Help Centre for account, content, business-profile and legal-policy assistance.
