Terms & Conditions of Use

2. FCA Authorization Status

YourFinances.co.uk provides information and tools related to debt solutions in the United Kingdom. YourFinances.co.uk is not authorised or regulated by the Financial Conduct Authority (FCA). Content and tools are designed to follow applicable FCA financial-promotion and consumer-information principles. Instead, we work exclusively with FCA regulated partners who can provide formal advice and debt solutions.

When you are connected with a regulated partner, you will receive services from a firm directly authorised by the FCA. You can verify the FCA authorization status of any firm on the Financial Services Register.

For information about formal insolvency procedures, please visit the Insolvency Service.

3. "Write Off Debt" Content Clarification

Any references on our website to "writing off debt" or similar terms refer to formal debt solutions available under UK law. Only qualifying individuals can write off debt via approved routes, including:

• Individual Voluntary Arrangement (IVA): A formal agreement with creditors that may result in a portion of debt being written off after successful completion
• Debt Relief Order (DRO): Available to those with limited assets and income, subject to strict eligibility criteria (including debts up to £50,000 and a £0 application fee)
• Bankruptcy: A legal process that may result in debt write-off but has serious long-term consequences

Eligibility for these solutions depends on your individual circumstances and is determined by qualified advisers and, where applicable, the Insolvency Service. There is no guarantee that any debt will be written off. For official guidance on debt solutions, please consult the Insolvency Service or speak to an FCA-authorised debt adviser.

4. Service Description

YourFinances.co.uk provides information, tools, and resources related to debt solutions in the United Kingdom, including Individual Voluntary Arrangements (IVAs), Debt Management Plans (DMPs), and others. Our services are designed to help you understand your options and access free debt advice. We are not a direct provider of financial advice but an introducer to FCA-regulated partners who can provide formal advice and services. YourFinances.co.uk is licensed to NXD Team Ltd. For more about who we are, see our About Us page and our Editorial Policy.

5. User Obligations

By using our website, you agree to:

• Provide accurate and truthful information to the best of your knowledge when using our tools and forms.
• Use the information provided on this website for personal, non-commercial purposes only.
• Not use this website for any unlawful purpose.
• Be at least 18 years of age and a resident of the United Kingdom.

Please also review our Privacy Policy and Disclaimer for further information. If you have any questions, feel free to contact us.

6. Disclaimer of Warranties

The information and tools on YourFinances.co.uk are provided on an "as is" and "as available" basis. While we strive to provide accurate information, we make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any content. The information provided does not constitute financial advice. You should seek independent financial advice from a qualified professional before making any decisions.

7. Limitation of Liability

YourFinances.co.uk, its directors, employees, and affiliates will not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our services. This includes, but is not limited to, reliance by a user on any information obtained from the service or that results from mistakes, omissions, or errors. Our role is to introduce you to regulated third-party firms, and we are not responsible for the advice or services they provide.

8. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of NXD Team Ltd or its licensors and is protected by UK and international copyright laws.

9. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Changes to Terms

We reserve the right to modify these terms and conditions at any time. Any changes will be posted on this page, and your continued use of the site will constitute your acceptance of such changes.