Terms of Use

Go Debt Free UK — godebtfree.co.uk
Last updated: June 2026

1. About These Terms

These Terms of Use govern your access to and use of the Go Debt Free UK website at godebtfree.co.uk, including all pages, guides, tools, and content published on it. By visiting or using this website, you agree to be bound by these terms. If you do not agree, please stop using the website immediately.

We may update these Terms of Use from time to time. The date at the top of this page shows when they were last revised. Continued use of the website after any update constitutes your acceptance of the revised terms.

These terms should be read alongside our Privacy Policy and Cookie Policy, which also govern your use of this website.

2. Who We Are

Go Debt Free UK is a trading name operated as an introducer and lead generation business. We connect individuals who are seeking information about personal debt solutions with FCA-authorised and regulated debt advice firms and licensed Insolvency Practitioners.

We are not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide debt advice, financial advice, legal advice, or recommendations of any kind. Nothing on this website should be interpreted as advice, guidance specific to your circumstances, or a recommendation to take any particular course of action.

For enquiries about who operates this website, please contact us at hello@godebtfree.co.uk.

3. The Nature of Our Service

When you submit an enquiry through godebtfree.co.uk, your personal information is passed to one or more FCA-authorised debt solutions firms or licensed Insolvency Practitioners. Those firms will contact you directly, conduct their own full and independent assessment of your circumstances, and provide regulated advice entirely in their own capacity.

Go Debt Free UK is not a party to any agreement, arrangement, or debt solution that you may subsequently enter into with any firm we introduce you to. We have no control over, and accept no responsibility for, the advice given, the solutions recommended, or the conduct of any third-party firm.

We may receive a referral fee from firms we introduce you to. This fee is paid by the firm, not by you, and does not affect the service or advice you receive from them.

4. Information on This Website

The content published on godebtfree.co.uk is provided for general educational and informational purposes only. It is not intended to constitute, and must not be relied upon as, financial advice, debt advice, legal advice, tax advice, or any other form of regulated advice.

Whilst we take reasonable care to ensure the accuracy and currency of the information published on this website, we make no representations or warranties — express or implied — as to its completeness, accuracy, fitness for a particular purpose, or freedom from error. Debt laws, eligibility thresholds, fee structures, and regulatory requirements change regularly. You should always verify information independently and seek regulated advice before making any financial decision.

Specifically:

  • Eligibility criteria for debt solutions such as IVAs, DROs, DMPs, and Bankruptcy are subject to individual assessment by a regulated firm. Information on this website is a general guide only and does not guarantee that any solution will be available to you.
  • Statistics and figures published on this website are sourced from publicly available data, including the Insolvency Service, GOV.UK, and other official bodies. We make reasonable efforts to keep this information current but cannot guarantee it reflects the most recent data at all times.
  • Case studies, examples, and outcomes described on this website are illustrative only. Individual results will vary significantly depending on personal circumstances.

5. No Financial or Debt Advice

We want to be completely clear on this point. Go Debt Free UK does not provide financial advice or debt advice.

Nothing on this website — including articles, guides, comparison tables, eligibility tools, calculators, or any other content — constitutes regulated financial advice or a personal recommendation. The information is general in nature and is not tailored to your individual situation.

You should always seek advice from an FCA-authorised and regulated professional before committing to any debt solution. Free debt advice is available from:

These services are free, impartial, and regulated.

6. Eligibility Tools and Calculators

This website may include interactive tools such as eligibility checkers or budget calculators. These tools are provided for indicative purposes only. They use the information you enter to generate a general indication of which debt solutions might be worth exploring — they do not constitute an eligibility assessment, a decision, or a recommendation.

Any result generated by a tool on this website should be treated as a starting point for a conversation with a regulated adviser, not as a definitive answer. Go Debt Free UK accepts no responsibility for any action taken or decision made in reliance on the output of any tool on this website.

7. Third-Party Websites and Links

This website contains links to third-party websites, including the websites of regulated firms, free debt charities, government bodies, and other organisations. These links are provided for your convenience and information only.

Go Debt Free UK does not endorse, control, or accept any responsibility for the content, privacy practices, or conduct of any third-party website. The inclusion of a link does not imply that we recommend or have verified the accuracy of the content on that site.

When you click a link to a third-party website, you leave godebtfree.co.uk and that site’s own terms and privacy policy will apply.

8. Intellectual Property

All content published on godebtfree.co.uk — including text, articles, guides, graphics, logos, icons, page layouts, tool designs, and any other original material — is the intellectual property of Go Debt Free UK or its licensors and is protected by applicable copyright, trade mark, and other intellectual property laws.

You may read, print, and share content from this website for your own personal, non-commercial use, provided you do not modify it and you include a clear attribution to Go Debt Free UK with a link back to godebtfree.co.uk.

You must not, without our prior written permission:

  • Reproduce, republish, or redistribute any substantial portion of the content on this website for commercial purposes
  • Scrape, copy, or systematically extract content from this website using automated tools
  • Use our logo, brand name, or trade marks in any way that could cause confusion or imply an association or endorsement
  • Create derivative works based on our content

To request permission to use our content, please contact us at hello@godebtfree.co.uk.

9. Acceptable Use

By using this website, you agree that you will not:

  • Use this website for any unlawful purpose or in any way that breaches any applicable law or regulation
  • Submit false, inaccurate, or misleading information through any form on this website
  • Attempt to gain unauthorised access to any part of this website or its underlying systems
  • Introduce viruses, malicious code, or any other harmful material into our website or systems
  • Use automated tools, bots, or scrapers to access or extract content from this website without our prior written consent
  • Impersonate any person or organisation, or misrepresent your identity or affiliation in any enquiry submitted through this website
  • Use this website in any way that could damage, disable, overburden, or impair it, or interfere with any other user’s access

We reserve the right to restrict or terminate your access to this website if we believe you are in breach of these terms.

10. Limitation of Liability

To the fullest extent permitted by law, Go Debt Free UK, its directors, employees, agents, and associated parties expressly exclude all liability for:

  • Any loss or damage arising from your reliance on information published on this website
  • Any loss or damage arising from your use of, or inability to use, this website or any of its tools or features
  • Any inaccuracies, errors, or omissions in the content published on this website
  • Any loss or damage caused by viruses or other technologically harmful material that may infect your device, software, or data as a result of using this website or downloading any content from it
  • Any decisions made, actions taken, or agreements entered into as a result of information on this website or introductions made through it
  • The conduct, advice, or services of any third-party firm to which you are introduced through this website

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

Your statutory rights are not affected by anything in these Terms of Use.

11. Important Information About Debt Solutions

If you go on to discuss a debt solution with a firm we introduce you to, the following points apply:

  • All debt solutions are subject to individual eligibility and creditor acceptance. Not every solution is appropriate for every person or circumstance.
  • Formal insolvency solutions — including an Individual Voluntary Arrangement (IVA), Debt Relief Order (DRO), and Bankruptcy — are recorded on a public insolvency register and will significantly affect your credit file for up to six years from the date the arrangement begins.
  • A Debt Management Plan (DMP) is an informal arrangement and is not legally binding on creditors, though most will cooperate with a reputable provider.
  • You have a statutory 14-day cooling-off period after entering any formal debt solution, during which you can withdraw without penalty.
  • Debt write-off only occurs on successful completion of a formal insolvency solution. It is not guaranteed at the point of entry and will not apply if the arrangement fails.
  • Your assets, including your home, may be at risk depending on the solution you enter. Homeowners should seek specific legal and financial advice before entering any formal debt arrangement.
  • Making reduced payments under any arrangement may temporarily place you further into arrears with creditors during the setup period.
  • If you enter a solution with an IP firm, fees will apply and these will be clearly explained by the regulated adviser and set out in the documentation you receive before signing anything.
  • Telephone calls with any firm you are introduced to will be recorded for quality, training, and regulatory compliance purposes.

12. Availability of the Website

We aim to keep godebtfree.co.uk available at all times, but we do not guarantee uninterrupted access. We may need to suspend or restrict access to all or part of the website from time to time for operational, maintenance, or security reasons, with or without notice.

We accept no liability for any loss or inconvenience caused by any unavailability, interruption, or technical failure affecting this website.

13. Governing Law and Jurisdiction

These Terms of Use and any disputes arising out of or in connection with them are governed by the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts of England and Wales in relation to any dispute arising from your use of this website, although we retain the right to bring proceedings in the courts of the country in which you are resident if you are accessing this website from outside England and Wales.

14. Changes to These Terms

We reserve the right to update these Terms of Use at any time. When we do, we will update the date shown at the top of this page. For material changes, we will aim to provide reasonable notice where possible.

Your continued use of this website after any change constitutes your acceptance of the revised terms. If you do not agree to any changes, please stop using the website.

15. Contact Us

If you have any questions about these Terms of Use, please contact us:

Email: help@godebtfree.co.uk
Website: godebtfree.co.uk/contact

Go Debt Free UK — Terms of Use — Last updated June 2026.
Go Debt Free UK is not authorised or regulated by the FCA. We act as an introducer only.