Legal disclaimer and terms

Information, not advice

This site provides general information about UK consumer protections. It is not legal, financial or claims-management advice and does not create any adviser–client relationship.

No guarantee of outcome

Section 75 and chargeback outcomes depend on the full facts, your agreement, evidence and the provider's assessment. A "may apply" result is not a promise that you will be refunded.

Accuracy

We aim to keep content accurate and up to date, but law, scheme rules and provider processes change. Check primary sources and your provider's terms before relying on anything here.

Letters

Generated letters are templates. You're responsible for checking that what you send is true and accurate.

Liability

To the extent permitted by law, we are not liable for any loss arising from use of this site. Nothing here limits liability that cannot be limited under English law.

These terms are governed by the law of England and Wales.