Ironically I'm doing exactly the same thing as you. You asked them to post on their website the impact of a Chapter 11 on clients. I provided here to the person who asked the impact on clients of a Chapter 11 and corrected some misleading information provided by the company representative. The only difference in constructiveness is that my actions provided actionable, correct information today that is available for anyone reading this from this point forward and specifically the OP asking the question. Your suggestion may provide the same information at some undetermined date in the future. Which is not to say I disagree with your suggestion, I think it's a good one and hope IB takes you up on it. I see no reason why you shouldn't think equally highly of providing that information here and now, and I don't understand why you'd criticize me for providing it? As a side benefit, my actions exposed the duplicitous and misleading approach that the IB rep here uses. Your approach seems to be attempting to minimize that, which is baffling to me. It's also important to distinguish that a rep from a company representing that company doesn't get to shield themselves behind some kind of "this is just personal advice" shield. There's an important nuance to the experience you described. The MF global reps couldn't bind MF global to actions that were contrary to U.S. bankruptcy law. That's very different than saying that a rep can't be held responsible for something they represent to be the company policy or the company's agreement with a customer, or that a rep can't be held responsible and accountable for simply being dishonest with a customer regardless of if there is a T&C somewhere to the contrary. There's no section of U.S. law that says "buyer beware, customer service reps can lie at will and you have to assume it's their personal opinion even when they're representing the company". Quite to the contrary there's a large body of consumer protection law and case law that says company's are bound to the statements made by their representatives.