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Terms and conditions

Terms & conditions

These Terms and Conditions govern your use of the Business Debtline website and your relationship with the Money Advice Trust (the “Charity”, “we” or “us”). Please read them carefully as they may affect your rights and liabilities under the law. If you do not agree to these Terms and Conditions, please do not use the Business Debtline website. If you have any questions on the Terms and Conditions, please email

1. Use of your Business Debtline website

1.By using the Business Debtline website you agree to be bound by these Terms and Conditions.

2. Amendments

2.1 We may update these Terms and Conditions from time to time for legal or regulatory reasons or to allow the proper operation of our website. Any changes will be notified to you via a suitable announcement on the Business Debtline website. Any changes will apply to our website after we have given you notice. If you do not wish to accept the new Terms and Conditions you should not continue to use our website. If you continue to use our website after the date on which the change comes into effect, your use of our website indicates your agreement to be bound by the new Terms and Conditions.

3. Intellectual property

3.1 The content of our website is protected by copyright, trademarks, database rights and other intellectual property rights. You may retrieve and display the content of our website on a computer/phone screen, store such content in electronic form on a storage device or print copies of such content for your business’ use, provided you keep intact all and any copyright and proprietary notices.

4. Accuracy

4.1 While we have taken all reasonable steps to ensure the accuracy and completeness of the content of our website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws. We accept no liability however caused (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect: economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings) loss of goodwill or reputation or loss or damage which was not reasonably foreseeable, suffered or incurred arising out of or in connection with your use of this website and/or these Terms and Conditions.

5. Use of website

5.1 Access to and use of this website is at your own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, Trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

6. Links to other websites

6.1 To provide the best advice to users of this website, we may provide links to other websites or resources (that are not part of Business Debtline) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and that we do not review or endorse and shall not be responsible or liable, directly or indirectly, for:

(i) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources; or

(ii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

7. Disclaimer

7.1 It is solely your responsibility to:

7.1.1 evaluate the accuracy, completeness and usefulness of all opinions, advice and other information provided through our website.

7.2 The advice and recommendations provided within our website do not necessarily reflect the views of the Charity or our partner agencies.

7.3 Our website may provide content from other internet sites or resources and while the Charity tries to ensure that material included within our website is correct, reputable and of high quality, it does not make any warranties or guarantees in relation to that content. If the Charity is informed of any inaccuracies in the material within our website we will attempt to correct the inaccuracies as soon as we reasonably can.

7.4 To the extent that we are in breach of these Terms and Conditions, we will only be responsible for any losses that you suffer as a result, to the extent that they are a foreseeable consequence to both of us at the time you use our website. Our liability shall not, in any event, include losses such as lost data, lost profits or a decrease in the level of your personal or other finances.

7.5 This clause shall not limit or affect our liability if something we do negligently causes death or personal injury.

8. Availability of the Business Debtline website

8.1 Although we aim to offer you the best service possible, we make no promise that our website will meet your requirements or help you to reduce your debts. We cannot guarantee that the services will be fault-free. If a fault occurs with our website you should report it to and we will attempt to correct the fault as soon as we reasonably can.

8.2 Your access to our website may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services. We will attempt to restore the service as soon as we reasonably can.

9. Applicable law

9.1 This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws. This site is designed for use in the UK and is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this site or such distribution or use would be contrary to local law or regulation. If you choose to access information on this site, it is your responsibility to comply with the applicable local, national or international laws and any use of this Site outside the UK is entirely at your own risk.

10. International use

10.1 We make no promise that materials on our website are appropriate or available for use in locations outside the United Kingdom, and accessing our website from territories where its contents are illegal or unlawful is prohibited. If you choose to access our website from locations outside the United Kingdom, you do so on your own initiative and are responsible for compliance with local laws.

11. Miscellaneous

11.1 You may not transfer any of your rights under these Terms and Conditions to any other person. We may transfer our rights under these Terms and Conditions to another business where we reasonably believe your rights will not be affected.

11.2 The Charity reserves its right to contact you in order to make you aware of changes to its service, the terms and conditions it operates under and to solicit opinion upon its services and how they are used by you. Should you wish not to be contacted under any circumstances then please email

11.3 If you breach these Terms and Conditions and the Charity chooses to ignore this, the Charity will still be entitled to use its rights and remedies at a later date or in any other situation where you breach the Terms and Conditions.

11.4 The Charity shall not be responsible for any breach of these Terms and Conditions caused by circumstances beyond its reasonable control.

11.5 The Business Debtline website is owned and operated by Money Advice Trust, 21 Garlick Hill, London EC4V 2AU.

11.6 If you have any queries please email

Money Advice Trust is a company limited by guarantee registered in England and Wales (company number 4741583) and a registered charity (charity number 1099506). The Money Advice Trust is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 618928). You can check our authorisations with the Financial Conduct Authority at or by calling them on 0800 111 6768