Terms and Conditions

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Terms and Conditions

The small print...

This site is designed to empower you to make informed choices about your finances, by making information available to you. By choosing to use this information, we encourage you to take back responsibility for your life and the decisions you make in it and not hold other people responsible for your decisions, especially those people you give your authority away to. Please don't give your authority to us either.

This Licence governs your use of the template documents ("Templates/Template Letters") on our web site; by using our Templates, you accept this Licence in full. If you disagree with any part of this Licence, please do not use our Templates.

In this Licence, "we" and "our" refers to Getoutofdebtfree and the free sovereign beings who provide content for it.

We own the intellectual property rights to the Templates. Subject to the licence below, all our intellectual property rights are reserved.

This site is for information and educational purposes only, and does not provide legal advice.

You may view, download, print, copy, adapt, and amend the Templates, and you may publish amended versions of the Templates, subject to the restrictions below.

Limitations of liability

You acknowledge that we do not, under or in relation to this Licence, provide any legal advice to you, and consequently that it would be unreasonable to hold us liable in respect of your use of the Templates or information held anywhere on this site. Whilst we endeavour to ensure that the Templates conform with relevant lawful requirements, we do not warrant their comprehensiveness or accuracy; nor do we not commit to ensuring that the Templates remain available or that they are kept up-to-date. To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) relating to the Templates. Our liability in relation to the Templates is limited and excluded to the maximum extent permitted under applicable law. We will not be liable for any direct, indirect or consequential loss or damage arising under this Licence or in connection with the Templates, whether arising in tort, contract, or otherwise - including, without limitation, any loss of profit, contracts, business, goodwill, data, income, revenue or anticipated savings.


Please understand that your credit reference may be affected, making it difficult to obtain further credit cards, mobile phone contracts, loans and mortgages. If you have your home as security for any debts, it may be at risk and similarly if you have a vehicle on a hire purchase agreement, the company may try to steal it from you. Should your case go to court, you may be visited by bailiffs, however, if you use the letters correctly as instructed, this is very unlikely. This site is for information and educational purposes only, and DOES NOT provide legal advice or debt counselling.


By downloading files or using information contained within this website, including but not limited to, text, images, and third party links, you agree to be bound to the following conditions.

You agree that no liability from any action(s) arising from the downloader, herein after known as "you" can be taken or enforced against Getoutofdebtfree, herein after known as "us", as a direct or indirect result of using, displaying, enforcing, publishing, copying, distributing any files downloaded from this website, and, You agree that the documents and information can not be sold, licensed, or distributed, without our prior written consent, and, You agree that all of the information contained within this website is not to be construed, implied, interpreted or translated to be legal advice and or legal information, and, You agree that the information contained within the pages of the website, and all downloadable files are not misleading in any way shape or form, and, You agree to seek your own advice to collect any payments from any third party links contained within this website, and do so at your own will and risk, and, You agree that any administrative process you use is your own, and any advice to help enforce your process is not an obligation by us, and, You agree that any data sent to us, excluding private names and address, can be uploaded and published within the pages of this website, and, You agree that the terms of this agreement may be altered by us at any time without prior notice.

However, nothing in this Licence shall exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law. We may revise this Licence from time-to-time. Please check this page regularly to ensure you are familiar with the current version. This Licence will be governed by and construed in accordance with English law, and any disputes relating to this Licence shall be subject to the exclusive jurisdiction of the courts of England.

"All info is the opinion of posters – it’s not our view. We have an amazing forum with a huge wealth of helpful info. Yet remember it's open to all, and sometimes messages are posted that are misleading or downright wrong. Most users are helpful but there are always a few bad apples. Don't rely on information being accurate or complete. If you do, it's at your own risk. Please do your own research before acting."

What we don't do

Our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. If we mention companies on our Site, we usually do so because of their attractive offers. As general policy we don't vet them on customer service or investigate their solvency (how likely they are to go bust). Given that the impact of any information expressed on our Site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you.