About ConsumerWise and these terms
ConsumerWise is an independent consumer-information website created and operated by Jack Whittle in the United Kingdom. These terms apply to use of the public website at consumerwise.org.uk. By using the site you agree to use it lawfully and on the basis described here.
The site is provided as a general information and self-help resource. It is not a law firm, claims-management company, regulated legal representative, regulator, ombudsman or government service. Using the site does not create a solicitor-client, adviser-client, fiduciary or representative relationship.
Information, not individual advice
Guides explain general legal, regulatory, contractual and complaint principles. They cannot know all of the facts, documents, dates, jurisdictional issues or procedural choices in an individual dispute. A page that accurately describes a general rule may still not determine what should happen in a particular case.
You are responsible for deciding whether information is suitable for your circumstances and for checking current primary or official sources where a point is important. Where professional advice is appropriate, ConsumerWise is not a substitute for it.
Templates, calculators and interactive tools
Templates are drafting aids. They are not instructions to make allegations that you cannot support. Remove wording that does not fit, add the facts and remedy that actually apply, and check any legal references before sending.
Calculators, evidence checkers, chronology builders and route tools apply programmed logic to the information supplied. An output is not a judicial finding, regulatory ruling or guarantee that an organisation will accept the underlying premise. Dates can be affected by facts such as service, clarification, identity checks, jurisdiction, extensions or exceptional rules that a simple tool cannot decide for you.
Permitted use and misuse
You may read, print and use ConsumerWise material for ordinary personal research, complaint preparation, study and reference. You may link to public pages and quote short extracts where lawful and properly attributed.
- Do not interfere with the security or availability of the site or attempt unauthorised access to the administration area or underlying systems.
- Do not use automated requests at a volume that degrades the service or bypasses reasonable technical controls.
- Do not reproduce substantial parts of the original editorial database as a competing or misleading copy of ConsumerWise.
- Do not use a template to impersonate ConsumerWise or falsely suggest that ConsumerWise represents, endorses or has verified your individual case.
Copyright, public-sector material and trademarks
Unless stated otherwise, original ConsumerWise editorial text, layout, code, graphics and branding are protected by copyright and other intellectual-property rights. Official legislation, regulator guidance, court material, logos and third-party publications remain subject to the rights, licences and terms of their respective owners.
Reference to a business, regulator, ombudsman, scheme or legislation is descriptive. It does not imply sponsorship, endorsement or affiliation.
External links and third-party material
ConsumerWise links to official and other useful sources. A link is not a guarantee that the destination will remain available or unchanged, and ConsumerWise does not control that website’s security, accessibility, privacy practices or terms. Always check the destination address before submitting personal information or making a payment.
Where ConsumerWise summarises a third-party source, the source itself controls if wording, dates or legal effect differ.
Changes, corrections and availability
The site is updated continuously. Pages, tools, navigation, routes and URLs may be corrected, replaced, reorganised or withdrawn. Reviewed dates are useful indicators but are not promises that no legal or factual change has occurred since that date.
ConsumerWise aims to keep the public service available, but uninterrupted or error-free availability is not guaranteed. Maintenance, hosting faults, security incidents or third-party outages may temporarily affect access.
Responsibility and limitation of liability
ConsumerWise is provided free of charge as a general information resource. To the extent permitted by law, no guarantee is given that a guide, tool, template or external source will be complete, error-free or suitable for a particular purpose, and ConsumerWise is not responsible for a decision made solely because a user treated general information as individual professional advice.
Nothing in these terms excludes or limits liability where the law does not allow that liability to be excluded or limited. These terms also do not remove any mandatory rights you have as a consumer.
Law and jurisdiction
These terms are intended to be governed by the law of England and Wales to the extent that is legally permitted. If you use ConsumerWise as a consumer in another part of the United Kingdom, mandatory local consumer protections and jurisdiction rules may still apply. The content itself can cover different UK jurisdictions; each substantive guide should identify territorial differences where they matter.
Questions about these terms
Questions, correction reports and legal notices relating to the site should use the ConsumerWise contact route. If the operator or contact arrangements change, this page should be updated promptly so the published route remains accurate.