Fairness of outcome and fairness of process... The Channel Islands Financial Ombudsman (CIFO) is the trusted independent dispute-resolution service for unresolved complaints involving financial services provided in or from the Channel Islands of Jersey, Guernsey, Alderney and Sark.

Values & Standards

CIFO’s Mission Statement

The Channel Islands Financial Ombudsman is independent. We support public confidence in financial services by resolving complaints when things go wrong and pointing out where things could be improved.

We are easy to use and understand, and free for complainants. We do not take sides. We decide what is fair, even if that is not popular. We are open about our work. We are prompt and efficient, and seek to get better at what we do.


CIFO is a member of the International Network of Financial Services Ombudsman Schemes and the Ombudsman Association (formerly the British and Irish Ombudsman Association).


While we do our best to provide excellent service to the public and to both parties to a complaint, we understand that there may be times when our service has not met your expectations. In that case, we are interested in your feedback to help us continually improve our service.

If you have any general comments, commendations or concerns that you wish brought directly to the attention of CIFO’s Board of Directors, please click here. Please note, these comments will not be responded to individually.

If you have a specific complaint about the standard of service you have received from a member of CIFO staff, you can raise your concern directly to the Principal Ombudsman & Chief Executive at ombudsman@ci-fo.org or by telephone:

Jersey:  (0) 1534 748610
Guernsey/Alderney/Sark:  (0) 1481 722218
International: +44 1534 748610


By mail to:

Channel Islands Financial Ombudsman (CIFO)
P O Box 114
Jersey, Channel Islands

Please note, a service complaint cannot be made about our decision as to whether your complaint falls within our jurisdiction or on the outcome of your complaint about a financial services provider.

If you remain dissatisfied with the response from Principal Ombudsman & Chief Executive or wish to complain about the conduct of the Principal Ombudsman & Chief Executive, please contact the Chairman of CIFO’s Board of Directors, by emailing governance@ci-fo.org or by mail to:

The Chairman
Channel Islands Financial Ombudsman (CIFO)
P O Box 114
Jersey, Channel Islands
JE4 9QG.