PSCR Safeguarding Passport — Legal Notice

The Safeguarding Passport organises information concerning the exact institution, official category, permissions or services, whether a safeguarding obligation is identified within scope, the stated method, relevant institutions or arrangements, evidence state, review date, limitations, complaints and the resolution or return-of-funds route.

This notice exists to prevent safeguarding evidence from becoming a solvency, deposit-protection or bank endorsement claim.

A Passport is not, and must not be represented or relied upon as, any of the following:

• —an audit opinion;
• —statutory assurance;
• —a legal opinion;
• —a solvency assessment;
• —a bank confirmation;
• —a credit rating;
• —a deposit guarantee;
• —an FSCS eligibility decision;
• —an insurance promise;
• —a warranty that customer funds are complete, correctly reconciled, legally ring-fenced or recoverable in full.

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.

The profile distinguishes a legal safeguarding requirement, an evidenced voluntary arrangement, a stated practice, “not applicable within stated scope” and “not established from reviewed sources”.

“Not applicable” is not a conduct score; it may reflect legal category or activity.

Segregation, insurance, guarantee, trust or other methods have different legal effects, eligibility, provider, beneficiary, trigger, territorial and insolvency consequences.

Public wording must identify the method and limitations and must not conflate safeguarding with deposit insurance.

Public fields may state that documents or corroboration were reviewed without publishing account numbers, bank letters, policies, reconciliation files, audit reports or security-sensitive details.

Deeper evidence is available only under purpose, entitlement, confidentiality and consent controls.

Safeguarding aims and legal processes do not guarantee immediate or full return. Administration costs, shortfalls, records, claims verification, legal disputes, intermediary failure and jurisdiction may affect outcomes.

The profile should identify the applicable route without predicting recovery. The Safeguarding, FSCS, Insolvency and Return-of-Funds Notice is the principal educational explanation.

Internal, FOS, ADR, court or local routes depend on customer, activity, entity and jurisdiction.

UK FSCS or FOS language must not be applied globally.

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.

Factual errors may be sent to corrections@rmca.org.uk.

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.

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.

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 appear on this 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: 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.