Please read these terms carefully before using helpwithdebt.co.uk. By accessing or using our website, you agree to be bound by these terms.

1. About Us

helpwithdebt.co.uk is operated by Help With Debt Ltd, a company registered in England and Wales (Company Number: 14730067). We are a non-advisory marketing and fact-finding service. We are not authorised to provide debt advice.

2. Nature of Our Service

helpwithdebt.co.uk is a marketing website. We do not provide financial advice, debt counselling, or regulated debt solutions. Our service is limited to:

• Providing general information about debt solutions available in England and Wales
• Conducting an initial fact-finding enquiry based on information you provide
• Passing your enquiry to one or more authorised and regulated debt solutions providers

Any advice or regulated activity will be carried out by the third-party partner we refer you to, not by Help With Debt Ltd.

3. No Financial Advice

Nothing on this website constitutes financial advice. The information provided is for general informational purposes only. You should always seek independent professional advice before making any financial decisions. You can obtain free, impartial advice from the Money Helper service.

4. Referral and Fees

This is not debt advice. We help connect you with a regulated company who can review your situation and discuss the options available to you. For free, impartial advice you can also visit Money Helper, an independent service set up to help people manage their money.

5. Your Responsibilities

When using our website and submitting an enquiry, you agree to:

• Provide accurate, truthful, and complete information
• Not misuse or attempt to damage our website or systems
• Use the website only for lawful purposes

6. Third-Party Partners

We work with authorised and regulated debt solutions providers. All partner companies are regulated by the FCA, Insolvency Practitioners Association (IPA), or Institute of Chartered Accountants in England and Wales (ICAEW). We are not responsible for the advice, products, or services provided by these third parties once your enquiry has been referred.

7. Intellectual Property

All content on helpwithdebt.co.uk, including text, images, logos, and design, is owned by Help With Debt Ltd or its licensors. You may not reproduce, distribute, or use any content without our prior written permission.

8. Limitation of Liability

To the fullest extent permitted by law, Help With Debt Ltd shall not be liable for any direct, indirect, incidental, or consequential loss arising from your use of this website or reliance on any information contained herein. Our total liability to you shall not exceed £100.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which forms part of these terms.

10. Changes to These Terms

We may update these terms at any time. Continued use of the website after changes have been posted constitutes your acceptance of the revised terms.

11. 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.

12. Contact Us

If you have any questions about these terms, please contact us:
Help With Debt Ltd
Company Number: 14730067
Email: [email protected]