Terms and Conditions

Use of the website

By accessing and using this website, you agree to these terms. If you do not accept them, please do not use the site. The website is intended for personal, non-commercial use by individuals in the United Kingdom who are researching debt and consolidation options.

We try to keep the site available and up to date, but we do not guarantee that it will always be accessible, uninterrupted or free of errors. We may change, suspend or withdraw any part of the site at any time.

Information only, not financial advice

This website is an independent educational publisher. Everything on it is general information to help you understand debt consolidation and related topics. It is not financial, legal or debt advice, and it is not a personal recommendation. Your circumstances are unique, and you should obtain advice tailored to your situation before making any decision.

If you want free, impartial and confidential debt advice, you can contact MoneyHelper, StepChange, National Debtline or Citizens Advice. See also our financial disclaimer for the full position.

No lender, broker or adviser relationship

We are not a lender, a credit broker or a financial adviser, and we are not authorised or regulated to provide credit, arrange credit or give regulated financial advice. Using this website does not create any advisory, agency or client relationship between you and us.

We do not make loan offers, process applications, or introduce you to specific lenders. Any decision to apply for a product is yours, taken directly with an authorised provider whose own terms will apply.

Illustrative figures and calculators

Any monetary amounts, interest rates, examples or calculator results on this site are illustrative only. They are provided to explain how borrowing and repayments can work, and they are not quotes, offers, or indications of rates available to you. Actual figures depend on your circumstances and the terms of the product you choose.

The calculators, such as the debt consolidation calculator and the loan repayment calculator, produce estimates based on the inputs you provide. They should not be relied upon as a substitute for figures from an authorised provider or professional advice.

Intellectual property

Unless stated otherwise, the content on this website, including text, layout, graphics and code, is owned by or licensed to the publisher and is protected by intellectual property laws. You may view and print pages for your own personal, non-commercial use. You must not copy, republish, distribute or exploit the content commercially without permission.

Acceptable use

You agree to use the website lawfully and not to:

• Use the site in any way that is unlawful, fraudulent or harmful
• Attempt to gain unauthorised access to the site or its servers
• Introduce malware, or interfere with the site's operation or security
• Copy, scrape or harvest content except as permitted above
• Misrepresent the site as offering regulated advice or loan products

Third-party links

The website contains links to external sites operated by other organisations, including free debt advice bodies and regulators. We provide these links for convenience and information. We do not control those sites, do not endorse everything on them, and are not responsible for their content or their handling of your data.

Limitation of liability

The website and its content are provided on an "as is" basis. To the fullest extent permitted by law, we exclude liability for any loss or damage arising from your use of, or reliance on, the website or its content, including decisions you make about borrowing or debt.

Nothing in these terms limits or excludes any liability that cannot be limited or excluded under law, for example liability for death or personal injury caused by negligence, or for fraud. These terms do not affect your statutory rights.

Governing law and jurisdiction

These terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction over any dispute, subject to any statutory rights you have to bring proceedings elsewhere in the UK.

Changes to these terms

We may update these terms from time to time. The version published on the site at the time you use it is the one that applies. The date below shows when they were last revised.