These are our terms and conditions of our website,
Debt Free Life, at

Only use it if you live in Great Britain and Northern Ireland. By using it, you’re saying you accept our terms and conditions.

Introducing You to Other Companies

After completing one of our forms or getting in touch, sometimes we decide it’s a good idea to introduce you to other companies who may be able to help you. We’re really careful about only working with reputable companies, so we make this introduction in good faith, but as we have no control over what they do, we can’t give you any guarantees about the quality of what they do.

Copyright and Intellectual Property

We own all the rights of everything on our website or we bought a license to use it (logos, photos, pictures, designs, documents, information and whatnot). So they’re protected by trademarks, copyright etc and you can’t use it or exploit it in any way that abuses our intellectual property rights, or gives you business profit or gain (we’ll set the dogs on you, if so). But every word and bit of this website is here to help you so we want you to feel free to download/print pages etc as and when you want to, for your own private purposes. You can share it with others who are also in debt and need help (telling them it comes from Debt Free Life), but again, never for any business purposes or commercial gain. If they view it, our terms and conditions also apply to them. Equally, this website can’t be copied or stored on any other website without our consent in writing.

What We’re Liable For

We’ve done our best to make sure that everything on this website is accurate, but like everyone else in the market, unfortunately, we can’t give you any guarantees, conditions or warranties about this.

So far as we’re allowed by law, we exclude the following
things (forgive the necessary legal language!):

  • All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
  • Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with this website or in connection with the use, inability to use, or results of the use of this website, any websites linked to it and any materials posted on it (including any delays, inaccuracies, errors or omissions in the information and documentation), including, without limitation, any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if it’s foreseeable.
  • When we publish information or documents, it isn’t a recommendation that you enter into a particular transaction, nor is it a representation that any service detailed on this website is suitable or appropriate for you. Just as our recommendation to you takes place outwith the website, we recommend that before taking action that relies on the information in this website, you should get specialist financial advice.
  • As each situation is unique, you shouldn’t construe any of the information here as legal, business, financial, regulatory, tax, accounting or other professional advice. We’d recommend you also read carefully the terms and conditions of any financial product or service you’re thinking about taking out before you make a decision.

Governing Law

We’re governed by Scottish Law, and in any dispute, you should submit to the exclusive jurisdiction of the Scottish Courts.

Links to Third Party Websites

Links from our website to third party websites are provided purely for your convenience and such links do not constitute an endorsement, affiliation or authorisation by Debt Free Life with respect to such third party websites. When you activate these links you will leave our website. We do not endorse or take responsibility for the content on third party websites or the availability of these websites and we are not liable for any loss or damage that you may suffer by using these websites. If you decide to access linked websites, you do so entirely at your own risk.

Viruses, Hacking and Other Offences

This section is aimed at all the nasty people out there: you mustn’t misuse this website by knowingly introducing viruses, worms, logic bombs or other malicious or technologically harmful stuff. You mustn’t attempt to get unauthorised access to this website, the server on which this website is stored or any server, computer or database connected to this website. You mustn’t attack this website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you’d commit a criminal offence under the Computer Misuse Act 1990 and the Police and Justice Act 2006. We’ll report this to the relevant law enforcement authorities and cooperate by disclosing your identity to them. If you commit a breach, you’ll immediately lose your right to use this website.

Likewise, we cannot be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this website or to your downloading of any material posted on it, or on any websites linked to it. Debt Free Life can’t warrant that our website is free of viruses or technical defects of any description and isn’t responsible for any technical problems caused by using it.

Accesbitable Use Standards

Needless to say, you can only use our website for doing legal things! You can’t use it to (forgive the legal language again) transmit or procure the sending of any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation such as spam. We will decide when this has taken place and take any action necessary. If you don’t comply with these
Acceptable Use Standards, it’s a breach of our terms and conditions, so we may withdraw your right to use our website or send you a warning.

Continuity and Quailty of Service

We hope our website’s always up and running, but sometimes a blip may occur or we may need to bring it down to carry out some essential maintenance work. Our website is here to tell you all about Debt Free Life, our various products and services and other information which may help you. It’s not intended to provide encyclopedic exhaustive details about any of these issues.

In particular, information generated via the Debt Free Life Analyser Tool on the Website is intended to be considered as a high-level indicator only and should be treated by users as non-binding guidance. Before you make any decisions or take any action which could affect your personal finances or business, please take independent advice from a qualified financial adviser.

Links to External Sites

Sometimes we might hyperlink to other websites owned and run by someone else (a third party). Debt Free Life has no control over or any ownership of these other websites and so can’t make any warranties about their quality, security, accuracy or any other aspect, and excludes any and all liability that comes from you using them.

Data Protection

Protecting your data is really important to us and we don’t do anything without getting your consent first. It’s up to you to decide what you tell us and don’t tell us. Any personal information you give us will be kept according to the Data Protection Act 1998 and the new forthcoming GDPR.

Only people we approve at Debt Free Life will be able to see your personal information. If you’d like to change or check your information please get in touch at

We sometimes automatically gather information which can’t be assigned to you but lets us know which browser and OS you’re using, which pages you visit, how long you spend on it, how often you visit us, and another website’s domain name if you followed their link. We only do this to improve our navigation and content to make it easier for you to use.

We may also use ‘cookies’ on your computer so you’re automatically recognised on your next visit – you can stop this if you want to by deleting cookies from your hard disk or changing your settings to block all cookies or warn you before saving a cookie.


At Debt Free Life we’re always taking all the steps we can to make sure your personal information is safe and secure, but please remember that because of the very nature of the Internet, sometimes breaches take place. So we can’t guarantee your privacy
– read more in our Privacy Policy.


We’ll be as fast as possible in our responses to you but can’t guarantee it will be as soon as you want it. We can’t always guarantee complete confidentiality so please think about the information you give us (especially if it could be classed as a trade secret!)
via the Internet.

Got any questions? Please get in touch at


We do our very best at Debt Free Life to give you a brilliant service and website. If you’re not happy, we want to hear about it. Please contact us here or email us at


At Debt Free Life we aren’t liable for any third party claims or losses of any type, including, but not limited to, loss of profits, indirect or consequential loss or loss due to circumstances beyond its reasonable control. We don’t accept any liability for any acts or omissions resulting from any decisions or opinions you form by using our website.

At any time we might change our terms and conditions, so please check them sometimes to see if they’ve altered. If you carry on using our website it’ll be assumed that you’re accepting these changes. We do our utmost to make sure that everything here is correct and up to date but we don’t accept any liability or guarantee – and this is the same for any websites we’re linked to, where we’re not responsible for the content which they may also change.


These Terms and Conditions are governed by and shall be construed in accordance with Scottish law. Disputes in connection with the Website shall be subject to the jurisdiction of Scottish Courts.


Got any comments? Please drop us a line at

Before you go, have a look at our Privacy Policy too.