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https://www.fidrec.com.sg/knowledgebase/article/KA-01013?src=med

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1
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13	<title>
14	
15		FAQs
16		&nbsp;· FIDReC
17</title>
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174        window["Microsoft"] = window["Microsoft"] || {};
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214				function handleReady() {
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223							console.error("onPagesClientApiReady callback error:", e);
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229				if (window.$pages) {
230					handleReady();
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234				function sdkListener() {
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240		
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260
261			window["Microsoft"].Dynamic365.Portal.onPagesClientApiReady = function (callback) {
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266							window.clientLogWrapper.traceWarning(
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270								"Invoke",
271								"DeprecationTracker"
272							);
273						}
274						if (typeof console !== "undefined" && console.warn) {
275							console.warn(
276								"[DEPRECATED] Microsoft.Dynamic365.Portal.onPagesClientApiReady is deprecated " +
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278							);
279						}
280					} catch (_) { /* never break the caller */ }
281				}
282
283				return _impl(callback);
284			};
285		})();
286
287        // Mark request not cacheable if Dynamics365PortalAnalytics cookie is being refreshed by the server or if the cookie in request header is invali
287d
288		
289
290        // For client side telemetry intializing Dynamics365PortalAnalytics cookie object
291		
292        window["Microsoft"].Dynamic365.Portal.dynamics365PortalAnalytics = 'eLjgCYTYudYGdElkCFAhfaZJMQ_O6DtSWHilm0RqBQl_dx3aQNkJbVPM27I6i49itxkX24_w9RHpm5bnuzzJx_arwrXHhKvWd3zfQmHaIhFu7rIV0P8uwBdOWL1N7BhpjIeTjI0vEaOohMQdxmOEpw2'; // CodeQL [SM00430] False Positive: only alphanumeric chars allowed, for non-alphanumeric char it will return INVALID_CHARACTERS_IN_COOKIE 
293		
294
295	</script>
295
296	
297	
297<script type="text/javascript">
298
299		
300    </script>
300
301
302	
303		
304
305<script type="text/javascript" src="~/sharedfunctions.js"></script>
305
306<style>
307
308.btn .caret {
309display: none;
310}
311
312:focus-visible {
313    outline: -webkit-focus-ring-color auto 0px;
314}
315@media (min-width: 576px) {  
316  .container.balancescale{
317  }
318}
319.loading {
320    animation: none !important;
321}
322.btn:active, .btn.active {
323        outline: 0;
324        background-image: none;
325        //-webkit-box-shadow: inset 0 3px 5px rgba(0,0,0,.125);
326        //box-shadow: inset 0 3px 5px rgba(0,0,0,.125)
327    }
328/* .btn-primary{
329    background-color: #E56A50;
330    border: none;
331    border-color:none;
332    color: #fff;
333    display: inline-block;
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335    transition-duration: 0.4s;
336    box-shadow: 0 8px 16px 0 rgba(0,0,0,0.2), 0 6px 20px 0 rgba(0,0,0,0.19);
337    border-radius: 30px;
338}
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340  box-shadow: 0 25px 16px 0 rgba(0,0,0,0.24),0 17px 50px 0 rgba(0,0,0,0.19);
341} */
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344.dropdown-menu > .active > a:focus
345{
346color:#fff;
347text-decoration : none;
348outline:0;
349background-color:#5D5DE0;
350}
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353}
354.navbar-toggle {
355    position: relative;
356    float: right;
357    margin-right: 15px;
358    padding: 9px 10px;
359    margin-top: 8px;
360    margin-bottom: 8px;
361    background-color: #5D5DE0;
362    background-image: none;
363    border: 1px solid transparent;
364    border-radius: 0;
365}
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368}
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370    width: 100%;
371    color:white;
372    min-height: 36px;
373    background-color: #5D5DE0;
374    font-size: 12px;
375    display: flex;
376    align-items: center;
377}
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379@media (min-width: 1200px){
380 .logoimg{
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382    }
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384/* Landscape tablets and medium desktops */
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394        max-width: 350px !important;
395        padding-top: 10px !important;
396}
397.navbar-static-top.navbar .menu-bar > .navbar-nav > li > a {
398         padding-top: 5px !important;
399}
400
401}
402
403
404/* Portrait phones and smaller */
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406  .logoimg{
407      width:100px;
408    }
409#navbar .dropdown-search{
410        min-width: 300px !important;
411        max-width: 350px !important;
412        padding-top: 10px !important;
413}
414}
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417  .logoimg{
418      width:145px;
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420#navbar .dropdown-search{
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422        max-width: 700px !important;
423        padding-top: 10px !important;
424}
425}
426
427
428
429/*landscape phones and portrait tablet*/
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431 .logoimg{
432      width:125px;
433    }
434}
435@media (min-width: 1200px) {
436#navbar .dropdown-search {
437        min-width: 1100px !important;
438}
439
440.navbar-static-top.navbar .menu-bar > .navbar-nav > li > a {
441 padding-top: 20px !important;
442}
443}
444
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450    margin-top: 1px;
451}
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453       background-color: #5D5DE0; 
454       color: white !important;
455}
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458    border-color: #090909;
459}
460.navbar-static-top.navbar-inverse {
461    background-color: transparent;
462    border-color: transparent;
463}
464.navbar-static-top.navbar .menu-bar > .navbar-nav > li > a {
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466  font-size: 1.1em;
467  font-weight: bold; 
468  color:black;
469 
470 }
471 .navbar-static-top.navbar .menu-bar > .navbar-nav > li > a:hover {
472  font-family: "Segoe UI Semibold", "Helvetica Neue", Helvetica, Arial, sans-serif;
473  font-size: 1.1em;
474  font-weight: bold; 
475  color:white;
476  background-color: #5D5DE0;
477  border-bottom:none;
478  padding-top: 15px !important;
479
480 }
481 .dropdown-menu>li>a:hover {
482    color:white;
483    background-color: #5D5DE0;
484}
485.dropdown-menu > li > a {
486    display: block;
487    padding: 3px 20px;
488    clear: both;
489    font-weight: normal;
490    line-height: 1.42857;
491    color: #333;
492    white-space: nowrap;
493    font-family: "Segoe UI Semibold", "Helvetica Neue", Helvetica, Arial, sans-serif;
494    font-size: 1.1em;
495}
496
497
498</style>
499
500 <div id="loading" class="loading"> </div> 
501
502<div class="navbar navbar-inverse navbar-static-top navbar-fixed-top" style="border-color: #090909; color:#666;height:90px;position: sticky;" role="navigation" id="headerdiv">
503  <div class="container">
504    <div class="navbar-header" style="color:#666 !important">
505      <div class="visible-xs-block">
506        <div class="xrm-editable-html&#32;xrm-attribute" data-languageContext="English"><div class="xrm-attribute-value"><div>
507    <a class="navbar-brand" href="~/" tabindex="-1" title="FIDReC">
508        <img border="0" src="~/logo.png" class="logoimg" id="logoimgmbl">
509    </a>
510</div>
511<!-- <style>
512    .navbar-inverse .navbar-nav .open .dropdown-menu > li > a {
513    color: black;
514}
515    </style> -->
516</div></div>
517      </div>
518      <div class="visible-sm-block visible-md-block visible-lg-block navbar-brand" style="color: inherit">
519        <div class="xrm-editable-html&#32;xrm-attribute" data-languageContext="English"><div class="xrm-attribute-value"><a onclick="onLogoClicked()" style="cursor: pointer;">
520  <img border="0" src="~/logo.png" class="logoimg" id="logoimg">
521</a>
522
523
524<script>
525  function onLogoClicked() {
526   	
527	var roles = "";
528    if(roles.contains("Complainant") > 0){
529	   window.open("/complainant-dashboard", "_self");
530	} else  if(roles.contains("Adjudicator") > 0){
531	   window.open("/adjboard", "_self");
532	} else  if(roles.contains("FI CEO/SPOC") > 0 || roles.contains("FI Member") > 0){
533	   window.open("/fi-dashboard", "_self");
534	} else{
535	  window.open("/", "_self");
536	}
537       
538		
539		
540    
541  }
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542</div></div>
543      </div>
544      <button type="button" class="navbar-toggle collapsed" title="Toggle navigation" data-toggle="collapse" data-target="#navbar" aria-expanded="false" onclick="setHeight();">
545        <span class="sr-only">Toggle navigation</span>
546        <span class="icon-bar"></span>
547        <span class="icon-bar"></span>
548        <span class="icon-bar"></span>
549      </button>
550    </div>
551    <div id="navbar" class="navbar-collapse collapse" style="margin-top:10px;">
552      
553      
554        <div class="navbar-right menu-bar " data-weblinks-maxdepth="2">
555          <ul class="nav navbar-nav weblinks" role="menubar">
556            
557              
558              
559                
560              
561
562              <li  role="none" class="weblink " id="About Us_li">
563                <a role="menuitem" 
564                aria-label="About Us"
565                    href="/about/"
566 
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569                      About Us  
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572                
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583              <li  role="none" class="weblink " id="Processes_li">
584                <a role="menuitem" 
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588                    title="Processes"
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592
593                
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596            
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617            
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629 
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635
636                
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642                           aria-label="Register as Complainant"
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645                           
646                           title="Register as Complainant" >
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653                           aria-label="Register as Financial Institution"
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657                           title="Register as Financial Institution" >
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671                
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674              <li  role="none" class="weblink " id="Contact Us_li">
675                <a role="menuitem" 
676                aria-label="Contact Us"
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678 
679                    title="Contact Us"
680                     >
681                      Contact Us  
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683
684                
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687            
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836
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838
839                </li>
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967
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969		
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975				
976					<li>
977						<a href="/">Home</a>
978					</li>
979				
980					<li>
981						<a href="/knowledgebase/">Resources</a>
982					</li>
983				
984				<li class="active">
985					KA-01013
986				</li>
987			</ul>
988			<div class="page-header">
989				<div class="pull-right">
990					<div class="btn-toolbar">
991						<div class="btn-group">
992							<a href="javascript:window.print()" role="button" aria-label="Print" class="btn btn-default btn-sm"><i class="fa fa-print"></i> <span class="xrm-editable-text&#32;xrm-attribute" data-languageContext="English"><span class="xrm-attribute-value-encoded&#32;xrm-attribute-value">Print</span></span></a>
993						</div>
994					</div>
995				</div>
996				<h1>FAQs</h1>
997				
998				<div id="foundmyanswer-rating" class="row">
999					
1000				</div>
1001			</div>
1002
1003		</div>
1004	</div>
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1011
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1013
1014	<div class="knowledge-article">
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1018				
1019			
1020			<div id="found-my-answer-bottom-comments" class="col-sm-6" ><span><span class="xrm-editable-text&#32;xrm-attribute"><span class="xrm-attribute-value">Views: </span></span></span><span id="viewcount-value" data-url='/knowledgebase/article/KA-01013/GetArticleViewCount/909d1429-cecb-443e-bebe-68156b9b140b'></span>
1021				
1022			</div>
1023		</div>
1024
1025
1026		<div class="knowledge-article-content">
1027			<div data-wrapper="true" dir="ltr" style="font-family: &quot;Segoe UI&quot;; font-size: 12pt"><p style="margin: 0; text-align: justify" dir="ltr"><span style="color: rgba(0, 0, 0, 1); font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="display: inline !important; float: none; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0; text-transform: none; white-space: normal; widows: 2; word-spacing: 0">For a list of common terms and financial products when you file a complaint at FIDReC, please visit the </span></span><a href="https://www.fidrec.com.sg/knowledgebase/article/KA-01227/en-us" target="_blank"><span style="color: rgba(93, 92, 224, 1); font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="display: inline !important; float: none; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0; text-transform: none; white-space: normal; widows: 2; word-spacing: 0">Glossary</span></span></a><span style="color: rgba(0, 0, 0, 1); font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="display: inline !important; float: none; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0; text-transform: none; white-space: normal; widows: 2; word-spacing: 0">.</span></span></p><p style="margin: 0; text-align: justify" dir="ltr"><span style="color: rgba(0, 0, 0, 1); font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="display: inline !important; float: none; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0; text-transform: none; white-space: normal; widows: 2; word-spacing: 0">For case studies, articles, videos, and other helpful materials, please visit the </span></span><a href="https://www.fidrec.com.sg/resources/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="display: inline !important; float: none; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0; text-transform: none; white-space: normal; widows: 2; word-spacing: 0">Resources</span></span></a><span style="color: rgba(0, 0, 0, 1); font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="display: inline !important; float: none; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0; text-transform: none; white-space: normal; widows: 2; word-spacing: 0"> section.</span></span></p>
1027<details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q1. What is the role of FIDReC?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">FIDReC is an Alternative Dispute Resolution institution specialising in the resolution of financial disputes. FIDReC's mission is to help consumers resolve their disputes with financial institutions through a fair, affordable, and effective process.&nbsp;</span><br><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">FIDReC provides an affordable and accessible one-stop avenue for consumers to mediate and adjudicate their disputes with financial institutions without going to court.&nbsp;</span><br><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">More details on FIDReC's dispute resolution process can be found </sp
1027an><a href="~/process/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">here </span></a>.</p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q2. What types of claims does FIDReC handle?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span data-wrapper="true" data-placeholder="Enter body here">At present, FIDReC's services are available to consumers who are individuals, sole-proprietors, small businesses or charities and who have a dispute with their financial institution who is a subscriber of FIDReC.</span></span><br><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">The consumer must first approach the financial institution and if the financial institution has not been able to resolve the dispute satisfactorily, the consumer can then file a claim at FIDReC. The consumer must file the claim within 6 months of receiving a final reply from the financial institution.&nbsp;
1027More details on FIDReC's jurisdiction can be found </span><a href="~/knowledgebase/article/KA-01131"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">here</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q3. Which financial institutions are subscribed to FIDReC?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="letter-spacing: 0.005em">​Under the </span></span><a href="https://sso.agc.gov.sg//SL/FSMA2022-S232-2023"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="letter-spacing: 0.005em">Financial Services and Markets (Dispute Resolution Schemes) Regulations 2023</span></span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="letter-spacing: 0.005em">&nbsp;read with FIDReC's </span></span><a href="https://www.fidrec.com.sg/knowledgebase/article/KA-01002/en-us"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="letter-spacing: 0.005em">Terms of Reference</span></span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"><span style="letter-spacing: 0.005em">, financial institutions licensed by the Monetary Authority of Singapore (MAS) and serving retail customers will be required to subscribe to FIDReC. These financial institutions include:</span></span></p><ul class="BulletListStyle2" style="list-style-position: initial; list-style-type: circle; margin-bottom: 1em; margin-top: 1em"><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="ed0f9bc1159470d873410f0705e593479"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Banks, Finance Companies &amp; Credit Bureaus</span></p></li><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="ef4e7399d670fc5f27acd190e11dfdbd2"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Life Insurance Companies &amp; Composite Insurers</span></p></li><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="e4cd6fea4926ddb3d7dfd1eee1f8f0a4b"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">General Insurance Companies &amp; Composite Insurers</span></p></li><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="e025a21f3bc239065e79c3530f9d74a8e"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Capital Markets Service Licence Holders</span></p></li><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="eb20077ab3664a4bb604688385784538e"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Financial Advisers Licence Holders &amp; Insurance Intermediaries</span></p></li><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="e347850d16e30756091f42680f79d8d19"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Major Payment Institutions providing account issuance services</span></p></li></ul><p style="list-style-position: inside; margin: 1em 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Please click </span><a href="https://www.fidrec.com.sg/filist/?fitype=all"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">here</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"> for a list of the financial institutions that are subscribed to FIDReC.</span></p><p style="list-style-position: inside; margin: 1em 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Please click </span><a href="https://www.fidrec.com.sg/knowledgebase/article/KA-01241/en-us"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">here</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"> to find out more about elective subscription by financial institutions that are not required by the MAS to subscribe to FIDReC.</span></p></div></details>
1027<details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q4. Is FIDReC a government agency?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">No, FIDReC is not a government agency and does not have any power over financial institutions in Singapore. It is a public company limited by guarantee.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q5. Does FIDReC appoint lawyers to represent consumers in their disputes or assist in enforcing their claims against the financial institutions?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">No, consumers who require a lawyer can search for one from the </span><a href="https://eservices.mlaw.gov.sg/lsra/search-lawyer-or-law-firm/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Legal Services Regulatory Authority</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">.&nbsp;Consumers can also seek the help of the </span><a href="https://www.mlaw.gov.sg/content/lab/en.html"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Legal Aid Bureau</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">&nbsp;but should note that they have to meet specific conditions before the Legal Aid Bureau will be able to help.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q6. Does FIDReC provide legal, financial or other professional advice?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">No, FIDReC is an Alternative Dispute Resolution institution and does not provide any legal, financial or other professional advice. Consumers who require such advice may engage the appropriate professionals at their own cost. Additionally, a list of free legal clinics in Singapore is maintained by Pro Bono SG </span><a href="https://www.probono.sg/get-legal-help/legal-guidance/the-general-public/legal-clinics-in-singapore/" target="_blank"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">here</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q7. What is Early Resolution?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">The Early Resolution (ER) phase, introduced on 1 July 2024, aims to encourage financial institutions to reach an amicable resolution with consumers at the earliest possible time. ER starts on the next business day after the consumer files a complaint with FIDReC.</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">&nbsp;</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">During the 10-business-day ER phase, the financial institution may contact the consumer directly to negotiate and attempt to resolve the issue.</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">&nbsp;</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">FIDReC will process the complaint in accordance with our usual process after 10 business days unless we hear from the complainant otherwise.</span></p></div></details>
1027<details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q8. What is mediation at FIDReC like?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">A FIDReC Case Manager will first look into the dispute to verify if FIDReC is able to handle it. If so, the Case Manager will facilitate discussions between the consumer and the financial institution with the aim of helping all parties find a mutually acceptable outcome. This may be done by telephone, over email, or at a meeting. Mediation may involve the case manager communicating with each party privately or with all parties jointly. Find out more about how to prepare for mediation at FIDReC in this </span><a href="https://www.fidrec.com.sg/knowledgebase/article/KA-01263/en-us" target="_blank"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Guide</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q9. What is adjudication at FIDReC like?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Both the consumer and the financial institution will prepare written submissions to explain their case to the Adjudicator. They will also have the opportunity to present their case to the Adjudicator at a hearing. With the agreement of all parties and the approval of the Adjudicator, the adjudication may also take place on a documents-only basis, i.e. the Adjudicator will decide the case based on the written submissions of the parties. Find out more about how to prepare for adjudication at FIDReC in this </span><a href="https://www.fidrec.com.sg/knowledgebase/article/KA-01264/en-us" target="_blank"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Guide</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q10. How much can I claim?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">The jurisdiction of FIDReC in adjudicating disputes between consumers and financial institutions is up to S$100,000 per claim (for claims filed before 1 July 2024) or S$150,000 per claim(for claims filed on or after 1 July 2024).</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q11. How do I file a complaint?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Filing a complaint is free of charge. To find out if you can file a complaint, please click </span><a href="https://www.fidrec.com.sg/knowledgebase/article/KA-01013/~/diy"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">here</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">. When this is completed, you may proceed to </span><a href="https://www.fidrec.com.sg/complainant/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">register</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"> as a complainant and file a complaint by following the instructions on the online dispute resolution form.</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">&nbsp;</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">When filing a complaint, please upload the relevant supporting documents. Click </span><a href="https://www.fidrec.com.sg/knowledgebase/article/KA-01325/en-us"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">here</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"> to view the list of documents required based on your complaint type.</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">&nbsp;</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">If you have any queries or difficulties in filing the complaint, you may </span><a href="https://www.fidrec.com.sg/knowledgebase/article/KA-01013/~/contact-us/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">contact FIDReC</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"> for help.</span></p></div></details>
1027<details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q12. What is the definition of a Small Business eligible to file a complaint?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">A Small Business is eligible to file a complaint at FIDReC if it meets <strong>all</strong> the following criteria:</span></p><ol class="NumberListStyle2" style="list-style-position: initial; list-style-type: lower-latin; margin-bottom: 11px; margin-top: 1em"><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="eefab8f6ee2b76086b7495a739fae3238"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Must be registered and operating in Singapore; and</span></p></li><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="e9ae9bf45573e05f6d01d437563334f50"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Has a group annual sales turnover of SGD1 million or less in each of the two (2) financial years immediately preceding the current financial year of the business entity.</span></p></li></ol></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q13. What is the definition of a Charity eligible to file a complaint?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">A Charity is eligible to file a complaint at FIDReC if it meets <strong>all</strong> the following criteria:</span></p><ol class="NumberListStyle2" style="list-style-position: initial; list-style-type: lower-latin; margin-bottom: 11px; margin-top: 1em"><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="e70c68b78ff79edc9fbd73c14097ce94f"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Must be registered under the Charities Act;</span></p></li><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="ecc0229fc5d599e953c9173c56d9963f8"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Is operating in Singapore; and</span></p></li><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="e07bc3ae2623bfabd51d2de5b739dbdcb"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Has a gross annual receipt of not more than SGD10 million in each of the two (2) financial years immediately preceding the current financial year of the charity.</span></p></li></ol></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q14. How much will filing a complaint cost?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Filing a complaint is free of charge. Where a Case Manager takes your complaint up with the financial institution concerned and is unable to facilitate a resolution, you can then choose to refer your complaint to adjudication. If you choose to do so, you need to pay an adjudication case fee. Please click </span><a href="https://fidrecuat03.powerappsportals.com/process"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">here</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"> to view the fee schedule.</span></p></div></details>
1027<details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q15. What do the different case sub statuses mean?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Each case goes through different stages as it is assessed and handled at FIDReC. The case sub status helps you understand where your case currently stands and what is being done at that point in time. Please click </span><a href="https://www.fidrec.com.sg/knowledgebase/article/KA-01345/en-us"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">here</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"> to read the general explanation of the common sub statuses and what it means.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q16. I get an error message saying “Contact with the same email address or NRIC number already exists” or “Contact with the same email address or Business Registration No./Unique Entity No. (UEN)/Certificate of Incorporation already exists”. What should I do?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">This means you have already created an account with FIDReC. Please try the following steps:</span></p><ol class="NumberListStyle2" style="list-style-position: initial; list-style-type: lower-latin; margin-bottom: 11px; margin-top: 1em"><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="e6b73a4403a8586f6c1bf3c8f1cafa6fd"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Select “Forgot User Name” to retrieve your username.</span></p></li><li class="ck-list-marker-font-size ck-list-marker-font-family" style="list-style-position: initial; margin-bottom: 1em" data-list-item-id="e06632c5eec265257db38ab01af92634e"><p style="margin: 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Select “Forgot Password” to reset your password.</span></p></li></ol><p style="margin: 1em 0"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">If you are still unable to log in after completing the steps above, please contact us by </span><a href="https://www.fidrec.com.sg/enquiry/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">submitting an enquiry</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px"> or calling our hotline at 6327 8878.</span>​​​​​​</p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q17. I have forgotten my username or have not set up the account. What should I do?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Please select “</span><a href="https://www.fidrec.com.sg/forgotusername/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Forgot User Name</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">” on the login page. This allows you to either retrieve your username or complete the setup of your account (if it was not previously completed).</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">&nbsp;</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">If you continue to face issues, please contact us by “</span><a href="https://www.fidrec.com.sg/enquiry/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">submitting an enquiry</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">” or calling our hotline at 6327 8878.</span></p></div></details>
1027<details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q18. I have forgotten my password. What should I do?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Please select “</span><a href="https://www.fidrec.com.sg/forgotusername/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">Forgot Password</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">” on the login page to reset your password.</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">&nbsp;</span><br><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">If you continue to face issues, please contact us by “</span><a href="https://www.fidrec.com.sg/enquiry/"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">submitting an enquiry</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">” or calling our hotline at 6327 8878.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q19. What if I am not happy with the Adjudicator's ruling?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">The decision of the Adjudicator or panel is final and binding on the financial institution, but not on you. If you are not happy with the decision, you are free to reject the decision and pursue your complaint through other avenues. This means that there is no disadvantage at all for you if you choose to lodge your complaint with FIDReC. Kindly note that there is no appeal process at FIDReC.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q20. How long will it take for FIDReC to resolve my dispute?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">The length of time needed varies with the complexity of each case. FIDReC seeks to resolve all disputes as expeditiously as possible and most cases are resolved within 6 months.</span></p></div></details><details style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; margin-top: 16px"><summary style="color: rgba(0, 0, 0, 1); font-size: 18px; font-weight: 500"><strong>⌵</strong> Q21. I have some feedback for FIDReC on its services. How can I convey my feedback to FIDReC?</summary><div style="margin-left: 16px; margin-top: 8px"><p style="margin: 1em 0" data-placeholder="Enter body here"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">You may email the FIDReC Feedback Review Committee at </span><a href="mailto:[email protected]"><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">[email protected]</span></a><span style="font-family: &quot;Segoe UI&quot;, &quot;Helvetica Neue&quot;, sans-serif; font-size: 18px">. The Feedback Review Committee will look into your feedback and respond to you in due course.&nbsp;</span></p></div></details></div>
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1247	
1248		<div id="pp-native-controls-react-root"></div>
1249<script>window._nativeControlConfig = { "publicPath":"https://content.powerapps.com/resource/powerappsportal/controls", "versions": {"pcf_loader":"0.0.51","pcf_controls":"3.24.8","mf_shared":"0.2.32","host":"0.15.1","data_grid":"1.12.3","controls_fluent_v9":"0.0.54"}, "pvaEmbedded": { "defaultWidgetMode": "normal", "useCustomTypingIndicator": false, "skipSingleBotWelcomeScreen": false } }</script>
vendor: 1 bytes, line 1249
1249
1250<script defer="defer" src="https://content.powerapps.com/resource/powerappsportal/controls/host/main.3ee2491f78.chunk.js"></script>
1250
1251		
1252	
1253	
1254		
1255
1256
1257
1258
1259
1260   
1260<script>
1261      localStorage.setItem("postlogin", "no");
1262   </script>
1262
1263
1264
1265<section id="gethelp" class="page_section section-diagonal-right color-inverse  hidden-print footerheight">
1266  <div class="section-diagonal-right-content">
1267    <div class="container">
1268    
1269      <div class="row">
1270      
1271        <!--<h3  class="text-center"><div class="xrm-editable-html&#32;xrm-attribute" data-languageContext="English"><div class="xrm-attribute-value"><p>Get Help</p></div></div></h3>
1272        <div class="col-sm-4 text-center">
1273            <a href="/knowledgebase/" class="btn btn-info-home btn-lg-home" title="Browse the KB" >Browse the KB</a>
1274        </div>
1275        <div class="col-sm-4 text-center">
1276            <a href="/support/create-case/" class="btn btn-info-home btn-lg-home" title="Create Case ">Create Case </a>
1277        </div>
1278        <div class="col-sm-4 text-center">
1279            <a href="/contact-us/" class="btn btn-info-home btn-lg-home" title="Contact us">Contact us</a>
1280        </div>-->
1281      </div>
1282    </div>
1283  </div>
1284</section>
1285
1286<!--<footer role="contentinfo" style="position:fixed; left:0; bottom:0;width:100%">-->
1287<footer role="contentinfo">
1288
1289  <!--<div class="footer-top hidden-print">
1290    <div class="container">
1291      <div class="row">
1292        <div class="col-md-6 col-sm-12 col-xs-12 text-left">
1293          <div class="xrm-editable-html&#32;xrm-attribute&#32;no-value" data-languageContext="English"><div class="xrm-attribute-value"></div></div>
1294        </div>
1295      </div>
1296    </div>
1297  </div>-->
1298  <div class="row" id="submitenq_div">
1299<div class="col-md-12">
1300  <h4 class="submitqnquiryfooter" style="font-family:unset">Have a question for FIDReC? <a href="/enquiry/addenquiry" style="color:#ED7174;font-weight:bold;">Submit an enquiry</a> and we will get back to you.</h4>
1301</div>
1302</div>
1303  <div class="footer-bottom hidden-print">
1304    <div class="container">
1305      <div class="row">
1306        <div class="col-md-4 col-sm-6 col-xs-12 text-left">
1307        <div class="col-md-6 col-sm-4 col-xs-2" style="padding:10px;">
1308          <div class="xrm-editable-html&#32;xrm-attribute" data-languageContext="English"><div class="xrm-attribute-value"><style>
1309  @media (min-height: 680px), screen and (orientation: portrait) {
1310    .footerlogoimg{
1311      width: 15vw;
1312      padding-bottom: 10px;
1313      }
1314    .footer-list.col-sm-3.fidrecfooterlargeli{width:55vw !important;}
1315    .footer-list.col-sm-3.fidrecfootersmallli{width:55vw !important;}
1316  }
1317  @media (min-width: 768px) 
1318  { 
1319    .footerlogoimg{    
1320      width: 10vw;
1321      padding-bottom: 15px;
1322      }   
1323    .footer-list.col-sm-3.fidrecfooterlargeli{width:29vw !important;}
1324    .footer-list.col-sm-3.fidrecfootersmallli{
1325      width:20vw !important;
1326      padding-bottom: 2px;
1327    }
1328  }
1329  @media (min-width: 992px) 
1330  { 
1331    .footerlogoimg{width:6vw;}   
1332    .footer-list.col-sm-3.fidrecfooterlargeli{ width:21vw !important; }
1333    .footer-list.col-sm-3.fidrecfootersmallli{ 
1334      width:14vw !important; 
1335      padding-bottom: 2px;
1336    }
1337  }
1338  @media (min-width: 1200px) 
1339  {
1340   .footerlogoimg{width:6vw;}   
1341   .footer-list.col-sm-3.fidrecfooterlargeli{ width:14vw !important;}
1342   .footer-list.col-sm-3.fidrecfootersmallli{     
1343      width: 10vw !important;
1344      padding-bottom: 12px;
1345      }
1346  }
1347</style><a href="~/"><img border="0" src="~/footerlogo.png" style="width:100%"></a>
1348
1349
1350</div></div>
1351          </div>
1352        </div>
1353        
1354        
1355        
1356          <div class="col-md-8 col-sm-12 col-xs-12 text-left " data-weblinks-maxdepth="2">
1357            <ul class="row list-unstyled">
1358              
1359                <!--
1360                 <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1361                 -->
1362                   <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1363                   <nav aria-label="About Us">
1364                    <!--<h5 style="color:white">About Us</h5>-->
1365                    <ul class="list-unstyled">
1366                          <li>
1367                          
1368                               <a href="/about/" >About Us</a>
1369                          
1370                            
1371                          </li>
1372                    </ul>
1373                  </nav>
1374                </li>
1375              
1376                <!--
1377                    <li class="footer-list col-sm-4 col-md-3" style="margin-bottom:10px;">
1378                    -->
1379                   <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1380                   <nav aria-label="Career">
1381                    <!--<h5 style="color:white">Career</h5>-->
1382                    <ul class="list-unstyled">
1383                          <li>
1384                          
1385                               <a href="~/knowledgebase/category/?id=CAT-01014" >Career</a>
1386                          
1387                            
1388                          </li>
1389                    </ul>
1390                  </nav>
1391                </li>
1392              
1393                <!--
1394                    <li class="footer-list col-sm-4 col-md-3" style="margin-bottom:10px;">
1395                    -->
1396                   <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1397                   <nav aria-label="Contact Us">
1398                    <!--<h5 style="color:white">Contact Us</h5>-->
1399                    <ul class="list-unstyled">
1400                          <li>
1401                          
1402                               <a href="/contact-us/" >Contact Us</a>
1403                          
1404                            
1405                          </li>
1406                    </ul>
1407                  </nav>
1408                </li>
1409              
1410                <!--
1411                 <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1412                 -->
1413                   <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1414                   <nav aria-label="Financial Institutions">
1415                    <!--<h5 style="color:white">Financial Institutions</h5>-->
1416                    <ul class="list-unstyled">
1417                          <li>
1418                          
1419                               <a href="/filist/" >Financial Institutions</a>
1420                          
1421                            
1422                          </li>
1423                    </ul>
1424                  </nav>
1425                </li>
1426              
1427                <!--
1428                 <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1429                 -->
1430                   <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1431                   <nav aria-label="Our Adjudicators">
1432                    <!--<h5 style="color:white">Our Adjudicators</h5>-->
1433                    <ul class="list-unstyled">
1434                          <li>
1435                          
1436                               <a href="/adlist/" >Our Adjudicators</a>
1437                          
1438                            
1439                          </li>
1440                    </ul>
1441                  </nav>
1442                </li>
1443              
1444                <!--
1445                    <li class="footer-list col-sm-4 col-md-3" style="margin-bottom:10px;">
1446                    -->
1447                   <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1448                   <nav aria-label="FAQs">
1449                    <!--<h5 style="color:white">FAQs</h5>-->
1450                    <ul class="list-unstyled">
1451                          <li>
1452                          
1453                               <a href="/knowledgebase/article/KA-01013" >FAQs</a>
1454                          
1455                            
1456                          </li>
1457                    </ul>
1458                  </nav>
1459                </li>
1460              
1461                <!--
1462                    <li class="footer-list col-sm-4 col-md-3" style="margin-bottom:10px;">
1463                    -->
1464                   <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1465                   <nav aria-label="TOR">
1466                    <!--<h5 style="color:white">TOR</h5>-->
1467                    <ul class="list-unstyled">
1468                          <li>
1469                          
1470                               <a href="~/knowledgebase/article/KA-01002/" >TOR</a>
1471                          
1472                            
1473                          </li>
1474                    </ul>
1475                  </nav>
1476                </li>
1477              
1478                <!--
1479                    <li class="footer-list col-sm-4 col-md-3" style="margin-bottom:10px;">
1480                    -->
1481                   <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1482                   <nav aria-label="Accreditation">
1483                    <!--<h5 style="color:white">Accreditation</h5>-->
1484                    <ul class="list-unstyled">
1485                          <li>
1486                          
1487                               <a href="~/knowledgebase/category/?id=CAT-01012" >Accreditation</a>
1488                          
1489                            
1490                          </li>
1491                    </ul>
1492                  </nav>
1493                </li>
1494              
1495                <!--
1496                    <li class="footer-list col-sm-4 col-md-3" style="margin-bottom:10px;">
1497                    -->
1498                   <li class="footer-list col-sm-4 col-md-4" style="margin-bottom:10px;">
1499                   <nav aria-label="Policies">
1500                    <!--<h5 style="color:white">Policies</h5>-->
1501                    <ul class="list-unstyled">
1502                          <li>
1503                          
1504                               <a href="~/knowledgebase/category/?id=CAT-01019" >Policies</a>
1505                          
1506                            
1507                          </li>
1508                    </ul>
1509                  </nav>
1510                </li>
1511              
1512            </ul>
1513            
1514          </div>
1515        
1516    </div>
1517  </div>
1518</footer>
1519         
1520<script type="text/javascript">
1521       (function ($) {
1522         $(document).ready(function () {
1523             $(".dropdown-submenu").on("keydown", function (event) {
1524                if (event.keyCode == 9) {
1525                     $(this).toggleClass("open");
1526                }
1527            });
1528           modifyHeader();
1529         });
1530        }(jQuery));
1531</script>
1531
1532<style>
1533@media (min-height: 680px), screen and (orientation: portrait) {
1534 #submitenq_div{
1535    background-color: rgb(240, 216, 216);
1536    text-align: center;
1537    margin-right: 0px;
1538    margin-left: 0px;
1539  }
1540
1541  .submitqnquiryfooter{
1542        font-size: 20px;
1543        float: left;
1544    }
1545}
1546@media (min-height: 320px), screen and (orientation: portrait) {
1547  #submitenq_div{
1548    background-color: rgb(240, 216, 216);
1549    text-align: center;
1550    margin-right: 0px;
1551    margin-left: 0px;
1552  }
1553}
1554@media screen and (min-width: 768px) and (max-width: 991px){
1555  #submitenq_div{
1556    background-color: rgb(240, 216, 216);
1557    text-align: center;
1558    margin-right: 0px;
1559    margin-left: 0px;
1560  }
1561 .submitqnquiryfooter {
1562        font-size: 20px;
1563        text-align:center;
1564        float:none;
1565  }
1566}
1567
1568@media (min-width: 992px) and (max-width: 1199px) {
1569  #submitenq_div{
1570    background-color: rgb(240, 216, 216);
1571    text-align: center;
1572    margin-right: 0px;
1573    margin-left: 0px;
1574    margin-block-start: 8px;
1575  }
1576   .submitqnquiryfooter{
1577            font-size: 20px;
1578   text-align:center;
1579   float:none;
1580    }
1581}
1582
1583@media (min-width: 1200px) {
1584  #submitenq_div{
1585    background-color: rgb(240, 216, 216);
1586    text-align: center;
1587    margin-right: 0px;
1588    margin-left: 0px;
1589    margin-block-start: 8px;
1590  }
1591   .submitqnquiryfooter{
1592            font-size: 20px;
1593   text-align:center;
1594   float:none;
1595    }
1596}
1597
1598.footerheight{
1599  
1600}
1601</style>
1602	
1603
1604	
1604<script type="text/javascript">
1605
1606		function trackCopilotCustomUsage(botSchema) {
1607			const request = {
1608				botSchemaName: botSchema
1609			}
1610			var json = JSON.stringify(request);
1611			shell.ajaxSafePost({
1612				type: "POST",
1613				contentType: "application/json",
1614				url: "/_services/copilot/TrackUsage",
1615				data: json
1616			}).done(function () {
1617			}).fail(function (jqXhr) {
1618			});
1619		}
1620
1621		function findAndLogCustomCopilotUsage() {
1622			const pageSource = document.documentElement.outerHTML;
1623			const customPvaBotWebchatRegex = /api\.(preprod\.|test\.)?powerplatform\.(com|us|cn|appsplatform\.us)\/powervirtualagents\/botsbyschema\/([^/]+)\/directline\/token/;
1624			const customPvaBotIframeRegex = /powerva\.microsoft\.com\/environments\/([0-9a-fA-F\-]+)\/bots\/([^/]+)\/webchat/;
1625			const omniChannelRegex = /livechatwidget\/scripts\/LiveChatBootstrapper\.js/;
1626
1627			const matchPvaBotWebchat = pageSource.match(customPvaBotWebchatRegex);
1628			if (matchPvaBotWebchat && matchPvaBotWebchat[3]) {
1629				trackCopilotCustomUsage(matchPvaBotWebchat[3]);
1630			}
1631
1632			const matchPvaBotIframe = pageSource.match(customPvaBotIframeRegex);
1633			if (matchPvaBotIframe && matchPvaBotIframe[2]) {
1634				trackCopilotCustomUsage(matchPvaBotIframe[2]);
1635			}
1636
1637			const matchOmniChannel = pageSource.match(omniChannelRegex);
1638			if (matchOmniChannel && matchOmniChannel[0]) {
1639				trackCopilotCustomUsage("omnichannelWidget");
1640			}
1641		}
1642
1643		window.addEventListener("load", function () {
1644			findAndLogCustomCopilotUsage();
1645		});
1646	</script>
1646
1647
1648		
1649			
1650			
1651			
1652			
1653		
1654	
1654<script onerror="javascript:&#32;var&#32;target&#32;=&#32;event.target;&#32;var&#32;script&#32;=&#32;document.createElement(&#39;script&#39;);&#32;script.crossOrigin&#32;=&#32;target.crossOrigin;&#32;script.src&#32;=&#32;&#39;/dist/bootstrap.bundle-105a4995b8.js&#39;;&#32;script.type&#32;=&#32;&#39;text/javascript&#39;;&#32;target.insertAdjacentElement(&#39;afterend&#39;,script);" src="https://content.powerapps.com/resource/powerappsportal/dist/bootstrap.bundle-105a4995b8.js" type="text/javascript"></script>
1654
1655
1656	
1656<script onerror="javascript:&#32;var&#32;target&#32;=&#32;event.target;&#32;var&#32;script&#32;=&#32;document.createElement(&#39;script&#39;);&#32;script.crossOrigin&#32;=&#32;target.crossOrigin;&#32;script.src&#32;=&#32;&#39;/dist/postpreform.bundle-4687dda8df.js&#39;;&#32;script.type&#32;=&#32;&#39;text/javascript&#39;;&#32;target.insertAdjacentElement(&#39;afterend&#39;,script);" src="https://content.powerapps.com/resource/powerappsportal/dist/postpreform.bundle-4687dda8df.js" type="text/javascript"></script>
1656
1657
1658	
1658<script onerror="javascript:&#32;var&#32;target&#32;=&#32;event.target;&#32;var&#32;script&#32;=&#32;document.createElement(&#39;script&#39;);&#32;script.crossOrigin&#32;=&#32;target.crossOrigin;&#32;script.src&#32;=&#32;&#39;/dist/app.bundle-1e948af604.js&#39;;&#32;script.type&#32;=&#32;&#39;text/javascript&#39;;&#32;target.insertAdjacentElement(&#39;afterend&#39;,script);" src="https://content.powerapps.com/resource/powerappsportal/dist/app.bundle-1e948af604.js" type="text/javascript"></script>
1658
1659
1660	
1660<script onerror="javascript:&#32;var&#32;target&#32;=&#32;event.target;&#32;var&#32;script&#32;=&#32;document.createElement(&#39;script&#39;);&#32;script.crossOrigin&#32;=&#32;target.crossOrigin;&#32;script.src&#32;=&#32;&#39;/dist/default-1033.moment_2_29_4.bundle-eda4e638fd.js&#39;;&#32;script.type&#32;=&#32;&#39;text/javascript&#39;;&#32;target.insertAdjacentElement(&#39;afterend&#39;,script);" src="https://content.powerapps.com/resource/powerappsportal/dist/default-1033.moment_2_29_4.bundle-eda4e638fd.js" type="text/javascript"></script>
1660
1661
1662	
1663
1664	
1665
1666	
1666<script type="text/javascript">$(document).ready(function () {
1667  var postloginval = sessionStorage.getItem("postlogin");
1668debugger;
1669  if(typeof postloginval == 'undefined' || postloginval == 'no')
1670  {
1671    var bodycls = { "background-color": "#FEF7ED" };
1672   
1673    $("body").css("background-color", "#FEF7ED");
1674    $(".breadcrumb").css("background-color", "#FEF7ED");
1675    $(".progress").css("border-radius", "0");
1676    $(".progress").css("-webkit-box-shadow", "inset 0 0 0 rgb(0 0 0 / 10%)");
1677    $(".progress").css("box-shadow", "inset 0 0 0 rgb(0 0 0 / 10%)");
1678    $(".modal-content").css("background-color", "#FEF7ED");
1679    $(".table > thead > tr > th ").css("background-color", "#FEF7ED");
1680    $(".dropdown-menu").css("background-color", "#FEF7ED");
1681    $(".list-group-item").css("background-color", "transparent");
1682              $(".list-group-item").css("border", "none");
1683          }
1684    $(".panel").css("background-color", "transparent");
1685
1686 var currenturl=window.location.href;
1687 var source=GetParameterValues("src");
1688 debugger;
1689 if(source=="med")
1690    $(window).scrollTop($('#med').position().top);
1691 else if(source=="adj")
1692    $(window).scrollTop($('#adj').position().top);
1693});
1694
1695function GetParameterValues(param) {  
1696            var url = window.location.href.slice(window.location.href.indexOf('?') + 1).split('&');  
1697            for (var i = 0; i < url.length; i++) {  
1698                var urlparam = url[i].split('=');  
1699                if (urlparam[0] == param) {  
1700                    return urlparam[1];  
1701                }  
1702            }  
1703        }  </script>
1703
1704	
1705	
1705<script>
1706        //this event will update the title of the page based on active breadcrumb
1707        $('.breadcrumb').ready(function () {
1708            if ($('.breadcrumb').is(':visible')) {
1709                document.querySelector('title').innerHTML = ($('.breadcrumb > li.active').text() + "&nbsp;· FIDReC");
1710            }
1711        });
1712
1713        function GoToNewEditor() {
1714            var editCmsUrlSegment = "EditInCms";
1715            var currentUrl = window.location.href;
1716            if (currentUrl.indexOf('?') > -1) {
1717                var urlSegments = currentUrl.split("?");
1718                window.location.href = window.location.origin + '/' + editCmsUrlSegment + window.location.pathname + '?' + urlSegments[1];
1719            }
1720            else {
1721                window.location.href = window.location.origin + '/' + editCmsUrlSegment + window.location.pathname;
1722            }
1723        }
1724    </script>
1724
1725	
1726		
1727		
1728	
1729		
1730				
1730<script>
1731					if ('serviceWorker' in navigator) {
1732						navigator.serviceWorker.getRegistrations().then(function (registrations) {
1733							for (let registration of registrations) {
1734								registration.unregister();
1735							}
1736						}).catch(function (err) {
1737							console.log('Service Worker unregister action failed: ', err);
1738						});
1739					}
1740				</script>
1740
1741			
1742	
1743		
1744	<!--Start Show Session Expire Warning Popup here -->
1745    
1746		
1747</body>
1748</html>
1749<!-- Generated at 10/7/2026 5:58:17 AM -->
1750<!-- Page OK -->

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.