Terms & Conditions

Please read these terms carefully before using our services

1. Introduction

These terms and conditions govern your use of the website and services. By using our website and services, you accept these terms and conditions in full.

2. Services

We provide debt management advice and solutions including IVAs, DMPs, and DROs. Our services are subject to eligibility criteria and assessment. We reserve the right to refuse service to anyone at our discretion.

3. Your Obligations

You agree to:

  • Provide accurate and complete information
  • Update us of any changes to your circumstances
  • Cooperate with our reasonable requests
  • Make payments as agreed in your debt solution
  • Not use our website for any unlawful purpose

4. Our Responsibilities

We will:

  • Provide advice and services with reasonable care and skill
  • Keep your information confidential
  • Act in your best interests
  • Comply with relevant laws and regulations

5. Fees and Charges

Our initial consultation is free. Any fees for debt solutions will be clearly explained before you commit to any service. Fees vary depending on the solution chosen and your circumstances.

6. Website Use

You may view, download, and print pages from our website for your personal use. You must not modify digital copies or use any illustrations, photographs, or graphics separately from accompanying text.

7. Intellectual Property

We own the intellectual property rights for all material on our website. All our rights are reserved.

8. Limitation of Liability

We are not liable for any business losses. We are responsible for foreseeable losses you suffer that are caused by our breach of these terms.

9. Data Protection

We process information about you in accordance with our Privacy Policy. By using our website, you consent to such processing.

10. Changes to Terms

We may revise these terms at any time. You should check this page regularly to ensure you understand the terms that apply at that time.

11. Applicable Law

These terms are governed by English law. Any disputes will be subject to the exclusive jurisdiction of the English courts.