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Terms of Use

Welcome to CMAC – Client Money and Assets Community. This website is operated to provide guidance, resources, and community support for professionals working under the FCA’s Client Assets Sourcebook (CASS).

By using www.clientmoneyandassets.com (“the Site”), you agree to these Terms of Use. If you do not agree with any of these terms, please do not use the Site.

1. Purpose of This Site

CMAC is an independent, non-commercial platform aimed at supporting CASS professionals through:

  • Informational content and regulatory summaries

  • Community insights and best practice guidance

  • Downloadable tools and links to external resources

We do not provide regulated financial advice or legal services. The content is intended to support — not replace — professional judgement or regulatory consultation.

2. Use of Content

Unless stated otherwise, all content on this site — including text, downloads, logos, and visuals — is owned by CMAC or used with permission.

You may:

  • View, download, and print resources for personal or internal business use

  • Share links to public pages (with attribution to CMAC)

You may not:

  • Copy, republish, or redistribute content for commercial purposes

  • Misrepresent content as your own

  • Use the CMAC brand or materials for advertising without permission

For permission requests, contact: [Insert contact email]

3. No Reliance or Liability

The content on this site is provided for general information purposes only. While we aim to keep information accurate and current, we make no warranties about its completeness or reliability.

You use the site and its materials at your own risk. CMAC accepts no liability for:

  • Errors or omissions

  • Losses arising from reliance on website content

  • Downtime or technical issues affecting site access

We recommend consulting with legal, compliance, or audit professionals before acting on any guidance shared here.

4. User Contributions & Community Areas

Where enabled (e.g. forums, feedback tools), you may contribute insights, comments, or suggestions.

By submitting content, you agree to:

  • Be respectful, professional, and relevant

  • Not post anything unlawful, offensive, or promotional

  • Grant CMAC a non-exclusive licence to display and adapt your contribution

We reserve the right to moderate or remove content at our discretion.

5. External Links

This site may include links to third-party websites (e.g. FCA, FRC, training providers). These are provided for convenience and do not imply endorsement.

CMAC is not responsible for the content, security, or privacy practices of external sites.

6. Intellectual Property

All intellectual property rights in the content and design of the Site are reserved. CMAC and the CMAC logo are trademarks of [Insert name or entity, if applicable]. Unauthorised use may violate copyright or trademark laws.

7. Changes to These Terms

We may update these Terms of Use from time to time. When we do, we’ll revise the “Last updated” date at the top of this page. Continued use of the Site constitutes acceptance of any changes.

8. Governing Law

These terms are governed by the laws of England and Wales. Any disputes arising in connection with the use of this website will be subject to the exclusive jurisdiction of the English courts.