CIFO is the combined operation of two legal entities, the Office of the Financial Services Ombudsman (Guernsey) and the Office of the Financial Services Ombudsman (Jersey), referred to as the two OFSOs. The boards of directors for each of the two OFSOs are composed of the same directors appointed jointly by the States of Guernsey and States of Jersey. The board meetings are generally held concurrently with separate minutes completed for each. Any sections in the minutes that are only relevant to one of the OFSOs are greyed out in the minutes of the other. To view the minutes of meetings of either the Guernsey or Jersey OFSO, please click on the link for the date of minutes you wish to see under the appropriate column.
2026
Channel Islands Office of the Financial Services Ombudsman
CIFO’s AI AssistantGot a question about what CIFO can do for you?
CIFO’s AI Assistant – ‘Buddy’
Buddy has been created to support you in your use of the Channel Islands Financial Ombudsman (CIFO) service. It is for assistance purposes only and to help you understand what complaints may be eligible for CIFO to look at. If you remain unsure or want to make a complaint to CIFO, please contact CIFO at enquiries@ci-fo.org.
Please do not share any personal, sensitive or confidential data with Buddy.
Disclaimer
Buddy is powered by AI. Information generated by Buddy is determined by the information you share and the questions you ask Buddy. The response it provides may not be fully accurate and may be incomplete or out-dated. We encourage you to check all responses Buddy shares with you against the guidance and legislation applicable to CIFO as an Ombudsman service on its website. The responses generated by Buddy do not constitute the professional advice of the Office of the Financial Ombudsman or any other form of professional advice, such as legal, regulatory or tax advice. You should not rely solely on Buddy for any advice you are seeking and should consult the Office of the Financial Ombudsman or a relevantly qualified professional, where appropriate.
We make no guarantee regarding the availability and reliability or accuracy of Buddy and disclaim all liability for any loss or damage resulting from its use.
We reserve the right to use the data you input into Buddy to help us improve and enhance the service we provide to our users and, may on occasion, have reference to individual chats to help us in developing Buddy and the assistance he can provide to our users.
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