The FSA classifies customers as either retail or commercial customers. The former is defined as a policyholder or potential policyholder acting outside their trade, business or profession. The latter is someone who is not a retail customer. All businesses are commercial customers regardless of size. For the purpose of the rule on complaints the FSA uses the definition eligible complainants. This includes private individuals; commercial customers with a turnover below £1 million.; a charity with an annul income below £1 million; a trustee of a trust with a net asset value of less than £1 million.