CFA Legal Centre
These Terms govern your access to and use of Consumer Fraud Awareness, including reviews, complaints, business responses, verification tools and related services.
Our objective is fair, useful and trustworthy consumer information.
CFA welcomes genuine consumer experiences and professional business responses. Publication does not mean CFA endorses, guarantees or independently proves every statement. Content may be reviewed, restricted, labelled or removed under this Policy.
Section 01
This Content Policy applies to all material submitted, uploaded, published, displayed or transmitted through Consumer Fraud Awareness (“CFA”, “we”, “us” or “our”), including reviews, complaints, comments, replies, business responses, profile information, documents, screenshots, photographs, videos, audio, links and account descriptions.
It applies to consumers, reviewers, complainants, businesses, authorised representatives and contributors. It should be read with CFA’s Terms of Use, Privacy Policy, Cookie Policy and Community Guidelines.
Section 02
Authenticity
Content should reflect a real person, real interaction and genuinely held experience.
Accuracy
State facts carefully and distinguish personal opinion from factual claims.
Relevance
Focus on the company, product, service, transaction or response being discussed.
Respect and Safety
Criticise conduct without harassment, threats, humiliation or discrimination.
Privacy
Protect personal, financial, medical, identity and confidential information.
Transparency
Disclose material relationships, incentives, conflicts and synthetic content.
Section 03
A review should be based on a genuine, first-hand experience with the reviewed business.
Reviews should:
Reviews must not:
Employees, former employees, competitors, agents, suppliers and close relatives must disclose their relationship. CFA may exclude such content from consumer-rating calculations.
Section 04
A complaint may provide more detail than a review and may request a response or resolution. Complaints should present a clear chronology and realistic description of the unresolved issue.
CFA may display workflow labels such as submitted, under review, awaiting response, responded, resolved, closed or removed. A status is not a legal finding.
Section 05
Businesses are encouraged to respond constructively, explain their records and offer appropriate next steps. Responses should address the concern rather than attack the consumer.
Acceptable
Clarifications, apologies, factual corrections, policy explanations and resolution offers.
Restricted
Disputed facts or legal positions may be stated carefully without intimidation or private disclosures.
Prohibited
Threats, retaliation, insults, fabricated evidence or offers conditioned on deleting truthful content.
No impersonation
Only authorised representatives may claim or speak for a business profile.
A business may challenge content through CFA’s reporting process. Mere disagreement does not automatically require removal.
Section 06
Evidence may help CFA assess authenticity or context. It is not automatically published, and submission does not mean CFA has legally authenticated it.
Suitable evidence may include:
Do not upload:
CFA is not a government department, court, consumer commission, law firm, financial institution, police authority or regulator. Unless expressly stated, CFA does not act as the agent, representative, partner or guarantor of any user or business listed on the Platform.
Section 07
CFA may resize, compress, crop, thumbnail, watermark or technically process media for display, security and moderation.
Section 08
AI may be used to improve grammar, translation, structure or accessibility where the underlying experience and facts remain the user’s own.
Section 09
CFA may act immediately where content presents an urgent safety, security, child-protection or serious legal risk.
Section 10
The table below provides the cookie structure intended for CFA. Exact identifiers may change as the Platform is developed or providers update their technology. The production register should be checked against the cookies actually deployed before launch and after material technical changes.
| Information | Public content rule | Safer approach |
|---|---|---|
| Private phone numbers and emails | Generally prohibited without consent. | Use official business contact details or redact most characters. |
| Home address or live location | Prohibited unless it is an official public business address. | Identify only city, branch or public office. |
| Identity numbers and passports | Prohibited in public posts. | Redact number, photo, barcode and signature. |
| Bank or payment information | Full details prohibited. | Show only date, amount and masked reference. |
| Medical, family or intimate data | Restricted unless directly relevant and voluntarily disclosed. | Summarise only what is necessary. |
| Employee names | May be restricted where naming creates harassment risk. | Use role, department or initials where possible. |
CFA may redact content without changing its substantive meaning.
Section 11
Section 12
CFA may exclude suspicious activity from ratings, add warnings or suspend linked accounts.
Section 13
CFA may request information to assess whether an account, interaction, business or document appears authentic. Verification is risk-based and may not occur for every submission.
A verification label confirms only the checks described by CFA. It is not a guarantee that every statement is correct or that future conduct will be satisfactory.
Section 14
CFA may use automated signals, user reports, document checks and human review to identify possible violations.
Detection
Reports or internal systems identify a possible issue..
Assessment
CFA considers context, evidence, severity and history.
Action
Content may remain, be labelled, restricted or removed.
Notice
Where appropriate, users receive a reason and appeal route.
CFA may request clarification, proof of interaction, relationship disclosure or an edited version. Failure to respond may result in restriction or removal.
Section 15
A removal request should identify the exact content, explain the specific legal or policy basis and include sufficient supporting information. Broad demands to remove criticism without identifying a violation may not be accepted.
CFA may preserve or disclose information where required by law, valid legal process, binding court order or authorised government direction.
Where appropriate and legally permitted, CFA may notify the affected user and invite a response. Urgent or clearly unlawful content may be restricted without advance notice.
Section 16
Section 17
CFA may exclude suspicious activity from ratings, add warnings or suspend linked accounts.
An internal appeal does not limit any statutory right or lawful external remedy.
Section 18
Use the report option displayed near the content or submit the Report Abuse Form. Provide the direct page link, a clear explanation and relevant evidence.
Section 19
CFA may update this Policy to reflect legal requirements, new content formats, emerging fraud risks, moderation experience or Platform changes. The date above identifies the current version.
Material changes may be communicated through the Platform, account notifications or email.
Section 20
If you have questions about this Content Policy or need to contact CFA about a specific content matter:
See content that violates this Policy?
Report the exact content and explain your concern. CFA will assess it according to context, evidence, risk and the standards above.