Legal

Terms of Use

Last updated: 30 July 2026

These terms govern your use of scamfendr.uk ("ScamFendr", "we", "us"). By using the service you agree to them. They're written to be read, not skimmed past — they're short.

What ScamFendr is

ScamFendr helps you prepare fraud reports and reimbursement claims: a Report Fraud report, a bank complaint letter citing the PSR's mandatory reimbursement rules, and a Financial Ombudsman referral. It also offers a free tool to check a business against public regulatory registers.

No guarantee of reimbursement

Whether your bank reimburses you is decided by your bank and, if you escalate, the Financial Ombudsman Service — not by us. The PSR reimbursement rules have conditions and exceptions. We make no promise, express or implied, that using ScamFendr will result in reimbursement.

Your responsibilities

• Tell the truth. The documents we generate are only as accurate as what you enter. Submitting false information to Report Fraud, your bank, or the Ombudsman may be a criminal offence.
• Review before you send. Check every generated document. You send them under your own name.
• Keep your sign-in codes to yourself. Anyone with access to your email can access your account.
• Use the business checker responsibly. Results come from third-party public registers — the FCA register and warning list, Companies House, and HMRC's supervised business register — plus our cache of those sources. Register data can be incomplete, out of date, or recorded under a name that differs from the one you searched. A "checks passed" result is not an endorsement and not a statement that a business is honest: scammers impersonate genuine, registered firms. Always verify against the official FCA register and Companies House before making a financial decision.

Acceptable use

Don't use ScamFendr to harass anyone, to fabricate claims, to scrape or overload the service, or for anything unlawful. We may suspend accounts that do.

Deadlines are yours to meet

Fraud claims have real deadlines — for example, referring a case to the Financial Ombudsman within six months of your bank's final response. We may surface reminders, but tracking and meeting deadlines is your responsibility.

Liability

ScamFendr is provided "as is". To the maximum extent permitted by law, we are not liable for losses arising from your use of the service, including missed deadlines, rejected claims, or decisions made in reliance on generated documents or business-check results. Nothing in these terms limits liability that cannot be limited under UK law.

Your data

How we handle your data is covered in our Privacy Policy. Short version: minimum collection, email stored only as a hash, nothing sold.

Changes and termination

We may update these terms; significant changes will be flagged when you next sign in. You can stop using ScamFendr and delete your cases at any time.

Where our data comes from

The business checker uses public information published by the Financial Conduct Authority, Companies House and HM Revenue & Customs. Companies House information is used under the Open Government Licence v3.0. ScamFendr is not affiliated with, endorsed by, or operated by any of these bodies, and we are not responsible for errors or omissions in their registers.

Governing law

These terms are governed by the law of England and Wales, and disputes are subject to the exclusive jurisdiction of the courts of England and Wales.

Contact

Questions about these terms: hello@scamfendr.uk.