Terms of Use

1. Acceptance of Terms

By accessing and using the Talk Debt website ("the Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Website.

2. Purpose of the Website

Talk Debt is an informational website designed to:

• Provide general information about debt collection in the UK
• Explain your rights when dealing with debt collectors
• Signpost you to free, independent debt advice services
• Provide mental health and gambling support resources
• Offer a space for positive, supportive messages

3. Not Financial or Legal Advice

Important: The information provided on this Website is for general informational purposes only. It does not constitute financial, legal, or professional advice.

We strongly recommend that you:

• Seek advice from qualified debt advisors for your specific situation
• Contact the free services listed on our Resources page
• Consult a legal professional for legal matters

We do not accept any liability for decisions made based on information provided on this Website.

4. User Submissions

When submitting messages to our positivity wall, you agree that:

• Your message is your own original content
• Your message does not contain offensive, harmful, or inappropriate content
• Your message does not contain personal information about others
• Your message does not promote products, services, or websites
• We may review, edit, or remove submissions at our discretion
• Approved messages may be displayed publicly on the Website

By submitting a message, you grant us a non-exclusive, royalty-free licence to display your message on the Website.

5. External Links

Our Website contains links to external websites operated by third parties, including:

• Debt advice charities and organisations
• Mental health support services
• Gambling support organisations
• Regulatory bodies

We provide these links for your convenience and information. We do not control these external websites and are not responsible for their content, privacy practices, or availability.

6. Intellectual Property

The content on this Website, including text, graphics, logos, and design, is owned by Talk Debt or our licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, or create derivative works from our content without our written permission.

7. Limitation of Liability

To the fullest extent permitted by law:

• We provide this Website "as is" without warranties of any kind
• We do not guarantee the accuracy or completeness of information
• We are not liable for any loss or damage arising from your use of the Website
• We are not liable for the content or practices of linked external websites

8. Acceptable Use

You agree not to:

• Use the Website for any unlawful purpose
• Attempt to gain unauthorised access to our systems
• Transmit viruses or malicious code
• Interfere with the proper functioning of the Website
• Collect information about other users

9. Changes to Terms

We may update these Terms of Use at any time. Changes will be posted on this page with an updated revision date. Your continued use of the Website after changes constitutes acceptance of the new terms.

10. Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Contact Us

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

Email: [email protected]