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Terms & Conditions

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Effective Date: 29.07.2025

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Welcome to Say No To Debt. By accessing or using our website (www.saynotodebt.co.uk), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this website.

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1. About Us

Say No To Debt provides informal support and general guidance to individuals facing debt. We are not authorised or regulated by the Financial Conduct Authority (FCA) and do not provide regulated financial or debt advice.

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2. Nature of Our Service

Our goal is to help you understand your financial situation and signpost you to possible solutions, including introducing you to trusted, FCA-authorised partners if appropriate.

  • We do not offer or arrange IVAs, DROs, or other formal debt solutions.

  • Any information provided on this website or via communication with us should not be considered regulated financial advice.

  • We do not negotiate directly with creditors on your behalf.
     

3. No Guarantees or Financial Outcomes

While we aim to support you with practical guidance, we do not guarantee that your debts will be reduced, frozen, written off, or resolved. Each situation is different, and outcomes depend on various factors including your personal financial circumstances and creditor responses.
 

4. Referrals to Partners

Where appropriate, we may introduce you to third-party firms who are authorised by the FCA. If you choose to engage with one of these partners, any agreement or advice received will be entirely between you and that third party.

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We are not responsible for their advice, services, or outcomes. We may receive a referral fee if you choose to use their service.

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5. Your Responsibilities

You agree that:

  • Any information you provide to us is accurate and truthful.

  • You are solely responsible for the decisions you make based on any information or guidance received.

  • You will not misuse our website or services in any unlawful or harmful way.
     

6. Intellectual Property

All content on this website — including text, images, logos, and graphics — is the property of Say No To Debt and must not be copied, reproduced, or distributed without our written consent.
 

7. Website Use

We make reasonable efforts to ensure the accuracy of the information on our website but do not guarantee it is always up to date. We may change or remove content at any time without notice.

We are not liable for any loss or damage arising from your use of this website.
 

8. Privacy & Data

We take your privacy seriously. Please refer to our Privacy Policy and Cookie Policy for full details on how your personal data is collected, used, and protected.
 

9. Limitation of Liability

Say No To Debt shall not be held liable for any loss, damage, or inconvenience resulting from your use of this website or our services. This includes (but is not limited to) financial loss, loss of opportunity, or emotional distress.
 

10. Governing Law

These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
 

11. Contact Us

If you have any questions about these Terms, please contact us at Reece@saynotodebt.co.uk

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