The Financial Ombudsman Service is a UK-based ombudsman that resolves disputes between consumers and financial businesses. It offers free, impartial services to consumers, handling complaints about banking, insurance, mortgages, investments, and more[1][2]. The target audience includes individuals and small businesses with financial grievances. The unique selling proposition is its ability to provide cost-effective, fair resolutions without legal action, focusing on treating customers fairly beyond legal compliance[1][2].