Legal information

The legal position on the information on our website and in our emails.

Availability of this website

We aim to ensure this website is available 24 hours a day. But we will not be liable if, for any reason, the site is unavailable for any period of time. Access to the site may be suspended temporarily or permanently and without notice.

Content on this website

We try to make sure that the information on this website is correct, and that it represents our position at the time it is put on the site. But we do not give any express or implied warranty as to its accuracy. We do not accept any liability for error or omission. We are not liable for any damages (including, without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from:

  • use of this site (or from the inability to use the site);
  • any material contained in it; or
  • any action or decision taken as a result of using this site (or any material contained in it).

The materials on this site do not constitute financial or other professional advice. You should consult your professional adviser if you require specialist advice.

Content on this site and in our newsletter, ombudsman news, gives general information on the position at the time of publication. It is not a definitive statement of the law, our approach or our procedure. The illustrative case studies are based broadly on real-life cases, but are not precedents. Individual cases are decided on their own facts.

By accessing any part of this site, you will be deemed to have accepted in full these terms, which are governed by, and interpreted in line with, English Law.


Unless otherwise stated, we own the copyright and any other rights in all the material on this site. You may download and print extracts from this site for personal use. But you must not modify text, graphics or documents in any way – or use them in a misleading context.

You can, of course, send friends or colleagues links to relevant pages of our website, for them to view or download for their own personal use. 

You must not reproduce our copyright material, or store any part of this site in any other website (or public or private electronic retrieval system), without our prior permission – unless the material specifically states that you can do so, in which case you must quote the source.

Emails from the Financial Ombudsman

Any emails we send are confidential and may be covered by legal privilege. If you receive an email that wasn't meant for you please don't copy or share it. Please delete it and contact the person who sent it to let them know there's been a mistake.

We check all our emails using virus detection software - but we can't accept liability for any loss of damage caused by viruses. And we can't take responsibility if one of our emails is intercepted and sent on by someone else.

Unless they say otherwise, our emails aren't legally binding - and they're not intended as a general statement of our approach.

Any emails we send contain the statements and opinions of the person who wrote it and don't necessarily represent the view of Financial Ombudsman Service Ltd.