Disclaimer

1. General Information Only

The information provided on DebtSolution.net is for general informational and educational purposes only. It is not intended to be, and should not be construed as:

• Personal financial advice
• Legal advice or legal opinion
• Tax advice
• Professional debt counselling
• A recommendation for any specific course of action

The content on this website is intended to provide a general understanding of debt solutions available in England and Wales. It cannot address the specific circumstances of any individual or entity.

2. Not a Regulated Firm

DebtSolution.net is an information resource only. We are NOT:

• Authorized or regulated by the Financial Conduct Authority (FCA)
• Licensed Insolvency Practitioners
• Qualified to provide regulated debt advice
• Able to manage your debts directly
• Authorised to set up debt solutions on your behalf

When you request an assessment through our forms, we may refer you to FCA-regulated third-party advisors who are qualified to provide personal debt advice and implement solutions.

3. No Guarantee of Outcomes

While we strive to provide accurate information, we cannot guarantee specific outcomes:

• Write-off amounts: Percentages quoted are typical examples, not guarantees
• Eligibility: Meeting general criteria doesn't guarantee acceptance
• Creditor behavior: We cannot predict how individual creditors will respond
• Success rates: Statistics are historical and may not reflect future outcomes
• Timeframes: Actual durations may vary from typical examples

Every individual's financial situation is unique. Outcomes depend on numerous factors including income, assets, creditor composition, and personal circumstances.

4. Accuracy and Currency of Information

While we make every effort to ensure accuracy:

• Laws and regulations change frequently
• Procedures may vary by region or provider
• Individual cases may have unique considerations
• Human error in content creation is possible

We review content regularly, but cannot guarantee that all information is current at the time of your reading. Check the "Last reviewed" date on each page.

5. External Links

This website contains links to external websites for reference and additional information. We are not responsible for:

• The content of external websites
• The accuracy of information on third-party sites
• Privacy practices of linked websites
• Any transactions or interactions with external sites

Links to government websites (Gov.uk, FCA, etc.) are provided for reference. While these are authoritative sources, always check you're viewing current information.

6. Calculator and Tools Disclaimer

Our debt calculator and other tools provide estimates only:

• Results are based on simplified assumptions
• Actual outcomes will vary based on individual circumstances
• Calculations don't account for all possible variables
• Tools cannot replace professional assessment

Calculator results should be used as a starting point for understanding options, not as definitive advice or guarantees of outcomes.

7. Your Financial Decisions

You are solely responsible for:

• Decisions about which debt solution to pursue
• The accuracy of information you provide to advisors
• Understanding the implications of debt solutions
• Meeting obligations under any arrangement entered
• Consequences of your financial decisions

8. Limitation of Liability

To the fullest extent permitted by law, DebtSolution.net and its contributors:

• Exclude all liability for any loss or damage arising from use of this website
• Make no warranties about the completeness or accuracy of content
• Accept no responsibility for decisions made based on our content
• Are not liable for consequences of acting on information provided

This includes but is not limited to:

• Direct, indirect, or consequential losses
• Loss of income or profit
• Loss of opportunity
• Damage to credit rating
• Legal consequences of financial decisions

9. Geographic Limitations

Information on this website relates specifically to:

• England and Wales: Most content applies to these jurisdictions
• Not Scotland: Scottish debt law differs significantly (e.g., Trust Deeds instead of IVAs)
• Not Northern Ireland: Some procedures and options differ
• Not other countries: Content is not applicable outside the UK

If you're not in England or Wales, seek advice specific to your jurisdiction.

10. Mental Health and Wellbeing

Debt can significantly impact mental health. While we may reference this connection:

• We are not mental health professionals
• We cannot provide psychological support or counselling
• Our content is not a substitute for professional mental health care

If you're experiencing mental health difficulties, please contact:

• Your GP
• Samaritans: 116 123 (free, 24/7)
• Mind: 0300 123 3393
• NHS 111 for urgent help

11. Copyright and Intellectual Property

All content on DebtSolution.net is protected by copyright:

• © 2026 DebtSolution.net - All rights reserved
• Content may not be reproduced without written permission
• You may print pages for personal, non-commercial use
• You may not republish content on other websites

Trademarks and logos of other organizations are the property of their respective owners.

12. Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes become effective immediately upon posting. Your continued use of the website following any changes constitutes acceptance of the revised disclaimer.

Last updated: 9 February 2026

13. Governing Law

This disclaimer and your use of DebtSolution.net are governed by the laws of England and Wales. Any disputes arising shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Questions About This Disclaimer

If you have questions about this disclaimer or concerns about content on our website:

• Email: legal@debtsolution.net
• Post: Legal Department, DebtSolution.net, [Address]

For errors or corrections in content, please contact: corrections@debtsolution.net