For FSA purposes, it is a policyholder or potential policyholder who is not a retail customer. At the pre-sale stage commercial customers must be given sufficient information to enable them to make an informed decision about the proposed contract including details of premiums, fees and charges. Post-sale the policy document must be supplied promptly and notification of renewal or nonrenewal must be given in good time before expiry. Intermediaries must also disclose their commission if requested. Certain commercial customers are eligible complainants from a complaints perspective. See CUSTOMER TYPES.