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Please read this Legal Disclaimer carefully
Consumer Fraud Awareness ("CFA", "we", "us" or "our") operates an independent platform for consumer reviews, complaint management, business verification and fraud awareness. By accessing or using the Platform you agree to this Disclaimer, our Terms of Use, Privacy Policy, Cookie Policy and Content Policy.
Section 01
This Legal Disclaimer applies to all users of the CFA Platform, including consumers, businesses, creators, visitors and any third parties who interact with or rely upon content published on the Platform.
CFA operates as an independent information platform. We collect, verify and publish consumer reviews, complaint records and business trust information. We do not act as a court, regulator, arbitrator or legal authority. Nothing on this Platform constitutes legal, financial, regulatory or professional advice.
Section 02
CFA is an independent platform. Users and businesses should understand what CFA is and is not:
CFA is not a government authority
We are not affiliated with, authorised by or acting on behalf of any government body, consumer regulator, ombudsman or law enforcement agency.
CFA is not a judicial platform
We do not adjudicate disputes, make binding decisions or award remedies. Any complaint outcomes reached through CFA are voluntary and not legally enforceable unless separately agreed.
CFA is not a professional service
We do not provide legal, financial, accounting, medical or any other regulated professional advice.
CFA is an information platform
We publish user-submitted consumer experiences, business information and fraud awareness resources for general informational purposes only.
Section 03
Reviews, complaints, comments, ratings, evidence, attachments, signals and Business Responses on the CFA Platform are submitted by users and are not statements of CFA.
Users who rely on information published on the Platform do so at their own risk. CFA recommends that users conduct their own independent research before making purchasing, financial or legal decisions.
Section 04
While CFA takes reasonable steps to ensure content quality through its moderation and verification processes, CFA does not warrant that all content is accurate, complete, current or free from error. In particular:
Important: Do not rely on CFA as the sole or primary source of information for any legal matter, financial decision, regulatory compliance obligation or employment-related background check. CFA strongly recommends independent verification of any critical information.
Section 05
Nothing on the Platform constitutes, or should be relied upon as, professional advice of any kind, including:
Users requiring professional guidance should consult a qualified, licenced professional in the relevant field. CFA's fraud awareness resources, guides and editorial content are published for general informational purposes only and should not be treated as professional or expert opinion.
Section 06
A verified status on CFA means only that a business has passed CFA's verification process at a specific point in time. Verification is not a continuous audit. A badge holder may subsequently breach our terms or engage in conduct inconsistent with the values the badge represents.
A verification may indicate
A verification does not guarantee
CFA encourages consumers to always scan or verify a badge status directly on the Platform before relying upon it. Badges that have been revoked, suspended or expired will be clearly indicated on the Platform.
Section 07
CFA's Verified Badge is a trust signal issued following a specific verification process. It is not an endorsement, certification of quality, or guarantee of future performance. Consumers should not rely solely on badge status when making purchasing or financial decisions.
FraudShield may help
FraudShield is a supplementary tool supporting enhanced trust signals, reporting capabilities and misuse detection. It may help identify risk indicators.
FraudShield is not insurance
FraudShield status does not mean CFA insures or guarantees any transaction, product, service or business conduct.
FraudShield is not a guarantee
FraudShield is not a guarantee that a business is fraud-free or that it will not engage in misconduct after certification.
FraudShield is not legal clearance
FraudShield status has no standing in legal proceedings, regulatory submissions or insurance claims unless confirmed independently.
Section 08
Ratings and reputation indicators help to communicate broad consumer sentiment reports, verifiable or from verified experience. CFA does not endorse any rating or represent that it is definitively accurate.
Businesses should not use CFA ratings in advertising or marketing in a way that misleads consumers about the source, recency or significance of the rating.
Section 09
CFA provides complaint tools to help consumers communicate with businesses and seek resolution. The availability of these tools does not mean CFA can guarantee any outcome.
Section 10
Any decision made based on information found on CFA is made entirely at the user's own risk. CFA strongly recommends that users applying data from CFA for consumer protection decisions using the following steps:
Verify Identity
Confirm the business is registered and legitimate through official sources.
Review Evidence
Check independent reviews, complaints and public records.
Contact the Business
Engage directly with the business before committing.
Seek Advice
Consult a professional for significant financial or legal decisions.
Section 11
CFA may link to, integrate with or display content from third-party providers including verification services, payment processors, legal resource directories and external databases.
CFA is not responsible for the accuracy, availability or conduct of any third-party service. Links to external websites do not constitute endorsement by CFA. Third-party services operate under their own terms and privacy policies.
Section 12
The Platform may contain links to external websites, resources, directories or reference materials. These links are provided for convenience and informational purposes only.
Section 13
CFA does not warrant that the Platform will be continuously available, error-free or uninterrupted. We reserve the right to modify, suspend or discontinue any part of the Platform at any time without notice.
We are not liable for any loss or damage resulting from Platform unavailability, technical failures, data loss or service interruption. Users are responsible for maintaining their own backups of content submitted to CFA.
Section 14
To the fullest extent permitted by applicable law, CFA and its officers, directors, employees, agents and licensors exclude all liability for any direct, indirect, incidental, consequential, special or punitive damages arising from your use of the Platform, including but not limited to:
Nothing in this Disclaimer excludes CFA's liability for fraud, death or personal injury caused by our negligence, or any other liability that cannot be excluded at law. Including any or all of these including may my also apply specific statutory rights and none of these could be affected by our Disclaimer.
Section 15
You agree to indemnify and hold harmless CFA and its representatives from any claims, losses, damages or expenses (including legal costs) arising from your use of the Platform, content you submit or your breach of any applicable terms, policies or laws.
This includes claims brought by third parties who allege that content you submitted to the Platform is defamatory, inaccurate, infringes their rights or caused them loss or harm.
Section 16
CFA may be required to disclose user data, account information or content in response to valid legal orders, court orders, regulatory directions or law enforcement requests. Such disclosures are handled in accordance with CFA's Privacy Policy and applicable law.
CFA is not liable to any user for compliance with a valid legal order. Where permitted by law, CFA may notify affected users of a request before complying.
Section 17
CFA may update this Legal Disclaimer at any time. The "Last updated" date at the top of this page reflects the most recent revision. Material changes will be notified through the Platform or by email where appropriate.
Continued use of the Platform after changes to this Disclaimer constitutes your acceptance of the updated terms, except where consent is required for specific processing activities.
Section 18
If you have any questions about this Legal Disclaimer or wish to submit a formal legal request:
Questions about this Legal Disclaimer?
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