Terms of use

1. Who we are

National Debt Service is an independent, non-commercial website. We provide general information and links to trusted debt advice and mental health support organisations across the UK.

We do not offer debt advice and we are not authorised by the Financial Conduct Authority (FCA). Nothing on this site is personal financial, legal or regulated advice.

2. What this website does

This website is designed to help you:

• understand the different types of free support available in the UK
• find official and regulated organisations that can help
• learn the basics about common money and debt topics

We do not:

• provide personal debt advice or recommend specific products
• contact creditors on your behalf
• act for you in any legal or financial matter

3. This site is not advice

All content on this site is for general information only. It does not take into account your personal situation, and it should not be used as a basis for making decisions about your debts or finances.

Before you make any decisions, you should speak to a qualified, authorised debt adviser or another regulated professional. You are responsible for any decisions you make about your debts.

4. External links

We link to external websites, including government services, charities and other support organisations. While we try to keep these links useful and up to date, we can’t guarantee:

• the accuracy or completeness of external content
• that the services they provide are right for you
• that those websites will always be available or secure

Following a link to another site is your choice and at your own risk.

5. Using our content

You can read and share links to our pages for personal use. You must not:

• reuse large parts of our content on another website or service
• present our content as your own work
• suggest that we endorse your organisation, product or service

6. Acceptable use

You agree not to use this website in any way that:

• is unlawful, fraudulent or harmful
• attempts to gain unauthorised access to the site or its systems
• introduces viruses, malware or other harmful code
• scrapes or copies the site using automated tools at scale

7. Contact form

If you use the contact form on this site, you agree to:

• provide accurate information
• only contact us about the website itself
• avoid sharing highly sensitive personal details

We’ll use your message and contact details only to respond to your query about the website, as explained in our Privacy Policy.

8. No liability

We try to keep the site accurate, up to date and available. But we can’t promise it will be:

• error-free
• complete
• always available

To the fullest extent allowed by law, we’re not responsible for any loss, damage or inconvenience that arises from using this website or relying on its content.

9. Changes to these terms

We may update these terms from time to time to reflect changes to the site or the law. The date at the top of this page shows when we last updated them.

10. How to contact us about these terms

If you have a question or concern about these terms, you can contact us using the contact form.