About these terms
These terms apply to your use of www.individualvoluntaryarrangements.net (the "website"), operated by IndividualVoluntaryArrangements.net, Newcastle upon Tyne, United Kingdom. Contact: info@individualvoluntaryarrangements.net.
Information only, not advice
The content on this website is general information about Individual Voluntary Arrangements and other debt solutions. It is not personalised financial, legal or tax advice and should not be relied on as such. Debt solutions have different consequences depending on your circumstances. You should get advice that takes your personal situation into account before making any decision.
Any figures, examples or calculator results are illustrations only. They are not quotes and do not guarantee any outcome.
Accuracy
We take care to keep our content accurate and up to date, but rules, limits and fees can change. We do not guarantee that the content is complete, accurate or current at all times.
Enquiries
Submitting an enquiry does not create any obligation for you to use any service, or for us to provide one. Any service provided would be subject to separate terms, which would be explained to you before you agree.
Links to other websites
Our website contains links to other websites, such as government and free advice services. We aren't responsible for the content of those websites.
Intellectual property
The content and design of this website belong to us, unless stated otherwise. You may view and print pages for personal use, but you must not copy or republish our content for commercial purposes without permission.
Limitation of liability
To the extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, this website. Nothing in these terms limits liability that cannot be limited by law.
Governing law
These terms are governed by the law of England and Wales. Disputes are subject to the jurisdiction of the courts of England and Wales, unless you live in Scotland or Northern Ireland, in which case you may bring proceedings in your local courts.