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.
Section 01
These Terms of Use (“Terms”) form a legally binding agreement between you and Consumer Fraud Awareness (“CFA”, “we”, “us” or “our”) concerning your access to and use of cfa.consumerfraudawareness.com, any related CFA website, mobile interface, account, feature, tool, communication or service (together, the “Platform”).
Your use of a particular feature may also be subject to additional terms, policies, guidelines, service descriptions or disclosures made available with that feature. Those additional terms form part of these Terms. If there is a conflict, the terms specifically applicable to that feature will prevail to the extent of the conflict.
Section 02
CFA is an independent consumer awareness, review and complaint platform. The Platform may allow users to search for businesses, publish reviews, submit complaints, reply to content, seek information, access educational material and use other consumer-focused features. Businesses may be able to claim profiles, respond to reviews, invite customers, access analytics, obtain eligible verification products and use business tools.
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 03
3.1 Minimum age
You must be at least 18 years old and legally capable of entering into a binding contract to create an account, publish content, submit a complaint, purchase a service or represent a business. A minor may use the Platform only through a parent or lawful guardian where permitted by law.
3.2 Accurate information
You must provide complete, current and accurate information when registering, submitting content, claiming a business or purchasing a service. You must promptly update information that becomes inaccurate or incomplete.
3.3 Account security
You are responsible for safeguarding your login credentials and for activities performed through your account. You must notify CFA promptly through the Contact Us page if you suspect unauthorised access, account misuse or a security incident.
3.4 One person, genuine identity
You may not create deceptive, impersonating, duplicate or automated accounts. CFA may request reasonable verification where necessary to protect users, prevent misuse, investigate suspicious activity or meet legal obligations.
Section 04
You agree to use the Platform lawfully, honestly and respectfully. You must not:
CFA may investigate suspected misuse and may preserve or disclose relevant information where lawfully required.
Section 05
5.1 Your responsibility
“User Content” includes reviews, complaints, ratings, replies, comments, documents, images, evidence, profile information and other material submitted through the Platform. You remain responsible for your User Content and any consequences arising from it.
5.2 Content standards
Your User Content must:
5.3 Evidence and verification
CFA may request transaction records, invoices, emails, screenshots, identification, authorisation or other information reasonably necessary to verify authenticity or assess a complaint. Failure to provide sufficient information may result in content being restricted, labelled, deprioritised or removed.
5.4 Licence granted to CFA
You retain ownership of your User Content. By submitting it, you grant CFA a worldwide, non-exclusive, royalty-free, transferable and sublicensable licence to host, store, reproduce, format, adapt, translate, moderate, publish, display, distribute and promote that content for operating, securing, improving and communicating the Platform. This licence continues for as long as reasonably necessary for those purposes, subject to applicable law and our Privacy Policy.
5.5 No guaranteed publication
Submission does not guarantee publication, continued availability, a particular ranking, business response, resolution or outcome.
Section 06
CFA may use automated systems, manual review, community reports, authenticity checks and other moderation measures. We may, at our discretion and where permitted by law:
Moderation is not an endorsement of remaining content. CFA does not undertake to review every submission before or after publication and does not guarantee that all objectionable content will be identified immediately.
Users may report content through the Platform’s reporting tools. Businesses should use the formal reporting or response process rather than attempting to pressure users into removing content.
Section 07
7.1 Public business profiles
CFA may create or display a business profile using publicly available information, user submissions, licensed data or information provided by the business. A business profile may appear before it is claimed. The existence of a profile does not mean that CFA endorses, verifies, partners with or recommends the business.
7.2 Claiming a business
A person claiming or managing a profile confirms that they have authority to act for the business. CFA may require verification and may reject, revoke or transfer access where authority cannot be established or a claim appears misleading.
7.3 Business responses
CFA may request transaction records, invoices, emails, screenshots, identification, authorisation or other information reasonably necessary to verify authenticity or assess a complaint. Failure to provide sufficient information may result in content being restricted, labelled, deprioritised or removed.
7.4 No control over independent reviews
A claimed profile, paid plan, badge or business relationship does not give a business the right to edit, suppress or remove genuine independent reviews. Paid services do not guarantee favourable ratings, increased visibility, complaint removal or a particular outcome.
Section 08
CFA may offer verification badges, certificates, trust marks, profile statuses or FraudShield-related products subject to separate eligibility criteria, verification checks, validity periods and product terms.
Unless expressly stated in writing, a CFA verification product indicates only that specified checks were completed at a particular time. It is not:
CFA may suspend, expire or revoke a verification status where information becomes inaccurate, eligibility is no longer met, misuse occurs, payment is reversed, or continued display may mislead users.
CFA badges and certificates may be used only in the approved format, during the valid period and with an active verification link. Altering, copying, selling or displaying an expired or unauthorised badge is prohibited.
Section 09
CFA may provide complaint submission, communication, document preparation, mediation assistance, referral or other support features. The precise scope and fee, if any, will be stated before purchase or submission.
Unless expressly agreed in a separate written engagement, CFA does not provide legal representation or legal advice and does not create a lawyer-client relationship. Templates, educational material, communications and suggested steps are general in nature.
CFA cannot compel a business to respond, settle, issue a refund, admit liability or take a particular action. Filing a complaint on CFA does not constitute filing with a court, police authority, regulator, consumer commission or government grievance system and does not pause any statutory limitation period.
Users remain responsible for seeking qualified professional advice and approaching the appropriate authority where necessary.
Section 10
Certain features may require a fee, subscription or separate order. Before payment, CFA will present the applicable price, taxes, billing period and material service terms.
10.1 Payment
You authorise CFA and its payment service providers to charge the selected payment method. You are responsible for applicable taxes, banking charges and accurate billing information.
10.2 Subscriptions and renewal
Where automatic renewal applies, it will be disclosed at checkout. You may cancel future renewal through the available account controls or by contacting support before the renewal date. Cancellation does not ordinarily reverse charges already incurred or entitle you to a refund for an already commenced billing period, except where required by law or expressly stated in the applicable service terms.
10.3 Refunds
Refund eligibility depends on the applicable product, service description, cancellation policy and law. Fees paid for work already performed, digital benefits already activated, verification checks already commenced or customised deliverables may be non-refundable to the extent permitted by law.
10.4 Changes to services
CFA may modify features, usage limits or packaging. Material changes affecting an active paid subscription will be communicated as reasonably required.
Section 11
The Platform, excluding User Content, and all associated software, text, design, layout, graphics, databases, logos, badges, trademarks, reports, ratings methodologies and other materials are owned by or licensed to CFA and are protected by applicable intellectual-property laws.
CFA grants you a limited, revocable, non-exclusive, non-transferable licence to access and use the Platform for its intended lawful purpose. Except where expressly permitted, you may not reproduce, modify, publish, distribute, sell, license, reverse engineer, scrape, create derivative works from or commercially exploit CFA materials.
“CFA”, “Consumer Fraud Awareness”, CFA logos, badge designs and FraudShield identifiers may not be used without prior written authorisation.
Section 12
The Platform may contain links to third-party websites, payment providers, social platforms, professional services, authorities or external resources. CFA does not control and is not responsible for third-party content, availability, security, privacy or conduct.
A link, listing, advertisement or integration does not necessarily constitute endorsement. Your dealings with third parties are governed by their own terms and policies.
Section 13
To the maximum extent permitted by law, the Platform is provided on an “as is” and “as available” basis. CFA does not guarantee that:
Reviews, ratings and complaints represent the views or reported experiences of their respective authors and not necessarily the views of CFA. Users should independently evaluate information before making financial, legal, employment, immigration, health, travel or purchasing decisions.
Nothing on the Platform constitutes legal, financial, investment, medical, immigration, regulatory or other professional advice.
Section 14
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded. Subject to that qualification and to the maximum extent permitted by law, CFA and its officers, employees, affiliates, service providers and representatives will not be liable for indirect, incidental, special, exemplary, punitive or consequential loss, loss of profit, revenue, business, data, goodwill or opportunity arising from or connected with the Platform.
To the maximum extent permitted by law, CFA’s aggregate liability arising from a paid service will not exceed the amount actually paid by you to CFA for the specific service giving rise to the claim during the six months immediately preceding the event giving rise to liability. For free services, CFA’s aggregate liability will not exceed INR 1,000.
These limitations apply whether the claim arises in contract, tort, negligence, statute or otherwise, even if CFA was advised of the possibility of loss.
Section 15
To the extent permitted by law, you agree to indemnify and hold harmless CFA and its officers, employees, affiliates and service providers from claims, losses, liabilities, costs and reasonable legal expenses arising from:
CFA will provide reasonable notice of a covered claim where legally and practically possible.
Section 16
CFA’s collection and use of personal data is described in our Privacy Policy. By using the Platform, you acknowledge that information may be processed as described there and as otherwise permitted by law.
Do not publish sensitive personal data or another person’s private information in a public review or complaint. Where supporting evidence contains personal information, redact unnecessary details before uploading it.
CFA may retain certain records after content deletion or account closure where reasonably necessary for fraud prevention, dispute management, enforcement, legal compliance, security and the establishment, exercise or defence of legal claims.
Section 17
You may stop using CFA at any time. Account deletion may be requested through available account settings or the Contact Us page, subject to lawful retention requirements.
CFA may warn, restrict, suspend or terminate access immediately where reasonably necessary, including where we believe that:
Provisions that by their nature should survive termination—including intellectual property, disclaimers, liability limits, indemnity and dispute provisions—will survive.
Section 18
CFA may update the Platform and these Terms to reflect legal, regulatory, security, operational, commercial or product changes. The updated date will be shown at the top of this page.
Where a change materially affects your rights, we will provide reasonable notice through the Platform, account notification or another appropriate method. Continued use after the effective date of revised Terms constitutes acceptance of those Terms. If you do not agree, you must stop using the Platform.
Section 19
These Terms are governed by the laws of India, without regard to conflict-of-law principles. Mandatory consumer rights available under applicable law remain unaffected.
Before commencing formal proceedings, you and CFA agree to make a good-faith effort to resolve the dispute through written communication for at least 30 days after receipt of a sufficiently detailed notice.
Subject to any mandatory jurisdiction available to consumers under applicable law, courts of competent jurisdiction in New Delhi, India will have exclusive jurisdiction over disputes arising from or connected with these Terms or the Platform.
Section 20
Questions about these Terms, reports of prohibited content, legal notices and grievances may be submitted through CFA’s Contact Us or Help Centre pages.
A valid notice should include:
CFA may request additional information to verify identity, authority, authenticity or legal basis before acting. Incomplete, abusive, repetitive or fraudulent notices may not receive a substantive response.
General Provisions
These Terms, together with the Privacy Policy and applicable feature-specific policies, constitute the entire agreement between you and CFA concerning the Platform.
If any provision is held invalid or unenforceable, it will be limited or removed only to the minimum extent necessary, and the remaining provisions will continue in effect. CFA’s failure to enforce a provision is not a waiver.
You may not transfer your rights or obligations under these Terms without CFA’s prior written consent. CFA may assign these Terms in connection with a restructuring, merger, acquisition, financing, sale of assets or transfer of Platform operations.
Headings are for convenience only. Words such as “including” mean “including without limitation”.
Need help understanding these Terms?
Contact CFA support or visit the Help Centre for account, content, business-profile and legal-policy assistance.