Effective date: 09 December 2025

Terms of Use

1. Not Financial Advice

DebtRiot is for information and education only.

We provide calculators that show "if X, then Y" based on numbers you enter. We don't provide financial, legal, or tax advice and we're not authorised by the Financial Conduct Authority (FCA).

You're responsible for your own decisions. If you're struggling to cover essentials or minimum payments, seek help from a free, regulated UK debt charity like StepChange or National Debtline.

2. How You Can Use DebtRiot

You may use the Service for personal, non-commercial purposes.

Please don't:

• Use it unlawfully or to harm others

• Try to access parts of the Service you shouldn't

• Use automated tools to scrape or copy content

• Resell or redistribute our tools without permission

We may modify, suspend, or discontinue features at any time.

3. Intellectual Property

All content on debtriot.co.uk — including text, design, branding, and code — is owned by DebtRiot or our licensors.

You may:

• View the site in your browser

• Print or save your own PDF plan for personal use

You may not:

• Copy, republish, or redistribute our content

• Create derivative works or copy our tools

• Use our branding without permission

4. Availability

The Service is provided "as is" and "as available." We don't guarantee uninterrupted or error-free operation.

We may change or remove features without notice. We're not responsible for loss caused by unavailability or changes, except where law doesn't allow such exclusions.

5. Limitation of Liability

Our calculators provide estimates based on what you enter. We don't promise results are complete or perfectly suited to your situation.

To the extent permitted by law:

• We're not liable for indirect or consequential loss

• We're not liable for decisions made based on the results

• We're not liable for loss of profits or savings

Nothing limits liability for fraud or anything that can't legally be excluded.

6. Payments & Your PDF Plan

We sell a personalised Debt Payoff Plan (PDF) generated from figures you enter.

• Payments are processed securely by Stripe

• We never see your card number

• After payment, you're redirected to generate and download your PDF

• Keep the browser tab open until the file saves

You can re-generate your plan on the same device whenever your situation changes.

7. Refunds

Digital content: Because the PDF is personalised and available immediately, the usual 14-day cancellation right doesn't apply once generation starts (UK Consumer Contracts rules).

If something's wrong:

• File corrupted or won't open? Email hello@debtriot.co.uk — we'll fix it or refund you

• Can't download? We'll help you re-generate at no extra cost

• Accidental duplicate purchase? Refunded in full

• Unauthorised payment? Contact us and your card issuer immediately

8. Third-Party Links

Links to other sites (like debt charities or Stripe) are provided for convenience. We're not responsible for their content or practices.

9. Privacy

How we handle your information is explained in our Privacy Policy.

10. Governing Law

These Terms are governed by the laws of England and Wales. Disputes will be subject to the courts of England and Wales, except where consumers may bring claims in their local courts as required by law.

11. Changes

We may update these Terms. Changes are effective when posted. Continued use means you accept the updated Terms.

12. Contact

Questions? Email hello@debtriot.co.uk