Terms & Conditions


Introduction:
This website is owned and operated by Debt Help Centre. We work with some of the UK's top debt advice providers. When you are looking for help with something as important as your finances it's vital that you make sure the people you are dealing with are the best at what they do. We do not give advice. On completion of our form, we will introduce you to one of our debt solutions partners. We will use the contact details that you have given to us on the form to make this introduction and may receive compensation from our partner for this introduction. A debt adviser will contact you by telephone. During that telephone call, the debt adviser will discuss your options in more detail. During this and other subsequent communication, you will be dealing with the debt solutions partner and not Debt Help Centre. All solutions are subject to acceptance and eligibility. Further conditions will apply and telephone calls are recorded for your protection. Initial advice is always free but, as commercial companies, our partners do charge for on-going services, if you enter into a debt solution with one of our partners companies, then fees will apply and these are made clear by the advisers and also in the documentation you receive in writing. You have the right to a cooling off period of 14 days. Retained payments may place you further into arrears. Debt write off only applies on completion of the Insolvency Solution and details do appear on a public register. Full details will be discussed prior to entering into any agreement and alternative options may be offered, where considered to be in your best interest. Your ability to obtain credit will be affected for up to 6 years, even if the solution lasts for less, your assets and property could be at risk. Our partners are all authorised and regulated by the Financial Conduct Authority and comply with their rules and principles of business. We take reasonable care to ensure that the information appearing on this website is up to date and accurate. Whilst we take precautions to prevent the occurrence of errors and omissions, the user of this website should not take the accuracy of the information for granted. None of the material contained in this website is to be relied upon as a statement or representation of fact. We do not accept liability or responsibility and it gives no warranty as to the accuracy of this information. We are not giving advice or recommendation by virtue of having provided information on this Website. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. Under no circumstances will we or our employees, connected parties or qualified third party associates accept liability for any decision made or action undertaken as part of reliance to the information contained on this website. Your use of any information or materials on this website is entirely at your own risk. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. Your statutory rights are not affected by this disclaimer. * In some cases, and with some debt solutions up to 80% of the debt can be written off. The amount written off will vary depend on your circumstances, income, assets and the current write-off policy of your creditors. Levels between 25% and 80% are realistic, depending on your ability to repay. The debt advisor will offer advice based on your circumstances.


You acknowledge that:

(a) we do not vet suppliers;

(b) we do not check, audit, monitor or control: the identity, credit worthiness or bona fides of suppliers, the security of supplier websites, or the accuracy of the information published by suppliers;

(c) we are not party to any contract for the sale or purchase of goods or services entered into between you and a supplier; and

(d) [our website contains information provided by suppliers, and we do not check, audit or monitor the accuracy of that information,]

and accordingly, we will not be liable to you in relation to any loss or damage arising out of any use of a supplier website, any information provided by a supplier, any offer made by a supplier, or any contract with a supplier.

We are not responsible for the enforcement of any obligations arising out of a contract between you and any third party, and we will have no obligation to mediate between the parties to any such contract.

1.1 These terms and conditions shall govern your use of our website.

1.2 By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

1.3 If you [register with our website, submit any material to our website or use any of our website services], we will ask you to expressly agree to these terms and conditions.

1.4 [You must be at least [18] years of age to use our website; and by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least [18] years of age.]

1.5 [Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our [privacy and cookies policy].]

2. Users outside the UK

2.1 Our website is directed at persons resident and situated in the UK and not at any other persons.

2.2 We do not warrant that our website complies with the applicable laws or regulations of any jurisdiction outside of the UK.

2.3 If you are resident or situated outside of the UK, you must not access or use our website unless you are lawfully able to do so.

2.4 Subject to Section 15.1, we do not accept any liability for any loss or damage resulting from, or related to, the availability of our website or any of our website content to persons resident or situated outside the UK.

3. Copyright notice

3.1 Copyright (c)2018 Leadology

3.2 Subject to the express provisions of these terms and conditions:

(a) we, together with our licensors, own and control all the copyright and other intellectual property rights in our website and the material on our website; and

(b) all the copyright and other intellectual property rights in our website and the material on our website are reserved.

4. Licence to use website

4.1 You may:

(a) view pages from our website in a web browser;

(b) download pages from our website for caching in a web browser;

(c) print pages from our website;

(d) [stream audio and video files from our website; and]

(e) [use [our website services] by means of a web browser,]

subject to the other provisions of these terms and conditions.

4.2 Except as expressly permitted by Section 4.1 or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.

4.3 [You may only use our website for [your own personal and business purposes], and you must not use our website for any other purposes.]

4.4 Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.

4.5 Unless you own or control the relevant rights in the material, you must not:

(a) republish material from our website (including republication on another website);

(b) sell, rent or sub-license material from our website;

(c) show any material from our website in public;

(d) exploit material from our website for a commercial purpose; or

(e) redistribute material from our website.

4.6 [Notwithstanding Section 4.5, you may redistribute [our newsletter] in [print and electronic form] to [any person].]

4.7 We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.

5. Acceptable use

5.1 You must not:

(a) use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability or accessibility of the website;

(b) use our website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;

(c) use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;

(d) conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent;

(e) [access or otherwise interact with our website using any robot, spider or other automated means;]

(f) [violate the directives set out in the robots.txt file for our website; or]

(g) [use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).]

5.2 [You must not use data collected from our website to contact individuals, companies or other persons or entities.]

5.3 You must ensure that all the information you supply to us through our website, or in relation to our website, is [true, accurate, current, complete and non-misleading].

10. Investments and investment decisions

10.1 Nothing on this website constitutes or is intended to constitute:

(a) a financial promotion, an advertisement for any particular investment or investment business, or an invitation or inducement to engage in investment activity;

(b) investment advice, including advice on the merits of buying, selling, subscribing for, underwriting or exercising rights in relation to a particular security or investment;

(c) the making of an arrangement for another person to buy, sell, subscribe for or underwrite a security or investment; or

(d) any financial service or activity regulated or controlled by or pursuant to UK financial services law or any other applicable law.

10.2 You should take professional financial advice in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purpose of making an investment decision or otherwise.

10.3 We would like to draw your attention to the following investment warnings:

(a) the value of shares and investments and the income derived from them can go down as well as up;

(b) investors may not get back the amount they invested; and

(c) past performance is not necessarily a guide to future performance.

13. Report abuse

13.1 If you learn of any unlawful material or activity on our website, or any material or activity that breaches these terms and conditions, please let us know.

13.2 You can let us know [by email or by using our abuse reporting form].

14. Limited warranties

14.1 We do not warrant or represent:

(a) the completeness or accuracy of the information published on our website;

(b) that the material on the website is up to date; or

(c) that the website or any service on the website will remain available.

14.2 We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.

14.3 To the maximum extent permitted by applicable law and subject to Section 15.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.

15. Limitations and exclusions of liability

15.1 Nothing in these terms and conditions will:

(a) limit or exclude any liability for death or personal injury resulting from negligence;

(b) limit or exclude any liability for fraud or fraudulent misrepresentation;

(c) limit any liabilities in any way that is not permitted under applicable law; or

(d) exclude any liabilities that may not be excluded under applicable law.

15.2 The limitations and exclusions of liability set out in this Section 15 and elsewhere in these terms and conditions:

(a) are subject to Section 15.1; and

(b) govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

15.3 [To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.]

15.4 We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

15.5 We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

15.6 We will not be liable to you in respect of any loss or corruption of any data, database or software.

15.7 We will not be liable to you in respect of any special, indirect or consequential loss or damage.

15.8 [You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).]

16. Indemnity

16.1 You hereby indemnify us, and undertake to keep us indemnified, against any and all losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us and arising directly or indirectly out of:

(a) any breach by you of any provision of these terms and conditions; or

(b) your use of our website.

17. Breaches of these terms and conditions

17.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:

(a) send you one or more formal warnings;

(b) temporarily suspend your access to our website;

(c) permanently prohibit you from accessing our website;

(d) block computers using your IP address from accessing our website;

(e) contact any or all your internet service providers and request that they block your access to our website;

(f) commence legal action against you, whether for breach of contract or otherwise; and/or

(g) suspend or delete your account on our website.

17.2 Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).

18. Third party websites

18.1 Our website includes hyperlinks to other websites owned and operated by third parties; such hyperlinks are not recommendations.

18.2 We have no control over third party websites and their contents, and subject to Section 15.1 we accept no responsibility for them or for any loss or damage that may arise from your use of them.

19. Trade marks

19.1 [Identify trade marks], our logos and our other registered and unregistered trade marks are trade marks belonging to us; we give no permission for the use of these trade marks, and such use may constitute an infringement of our rights.

19.2 The third party registered and unregistered trade marks or service marks on our website are the property of their respective owners and, unless stated otherwise in these terms and conditions, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.

20. Variation

20.1 We may revise these terms and conditions from time to time.

20.2 [The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions. / We will give you written notice of any revision of these terms and conditions, and the revised terms and conditions will apply to the use of our website from the date that we give you such notice; if you do not agree to the revised terms and conditions, you must stop using our website.]

20.3 [If you have given your express agreement to these terms and conditions, we will ask for your express agreement to any revision of these terms and conditions; and if you do not give your express agreement to the revised terms and conditions within such period as we may specify, we will disable or delete your account on the website, and you must stop using the website.]

21. Assignment

21.1 You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.

21.2 You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.

22. Severability

22.1 If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.

22.2 If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

23. Third party rights

23.1 These terms and conditions are for our benefit and your benefit, and these terms and conditions are not intended to benefit or be enforceable by any third party.

23.2 The exercise of the parties' rights under these terms and conditions is not subject to the consent of any third party.

24. Entire agreement

24.1 Subject to Section 15.1, these terms and conditions, together with [our privacy and cookies policy], shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.

25. Law and jurisdiction

25.1 These terms and conditions shall be governed by and construed in accordance with Scottish law.

25.2 Any disputes relating to these terms and conditions shall be subject to the [exclusive / non-exclusive] jurisdiction of the courts of [Scotland].

26. Our details

26.1 This website is owned and operated by Debt Help Centre

26.2 You can contact us, by email at: admin@debthelpcentre.org.uk

27.1 Complaints Policy


We pride ourselves on offering an exceptional level of service. If we make a mistake, we want to know about it and fix it as soon as possible. To make sure that we can deal with any complaints as efficiently as possible, we ask that all complaints are made using the guidance below.

  • Please email your complaint to: admin@debthelpcentre.org.uk
  • We aim to acknowledge your complaint within 3 working days of receipt from you.
  • We aim to resolve your complaint within 14 working days after we have acknowledged receipt of your complaint.
  • If we have resolved your complaint within that time period we will attempt to contact you by phone, email or post to explain our findings of our investigation and agree your final response.
  • If we have been unable to resolve your complaint within 14 working days we will endeavour to send our final response outlining our investigation within four weeks. If however we are unable to find a resolution within this 4 weeks period we will contact you by phone at the end of the process to explain our findings.

COMPLAINT ABOUT UNWANTED EMAIL:

If your complaint is concerning an unwanted email then we please ask that you do the following:

The reason we ask for the original email is to help with our investigation. Within the email you received are unique tracking links that will help us to identify the original source of the email.