Read the pages as information. They are not a retainer.

1. Who we are

The site is published by Cierzoxora, 61 The Oval, Bath BA2 2HD, United Kingdom. Email [email protected]. Telephone +44 7457252162. References to “we” and “the desk” mean that publisher.

2. No advice and no client relationship

Nothing on the site is debt counselling, insolvency advice, legal advice, tax advice or a recommendation that a particular product or route is suitable for you. We are not authorised or regulated by the Financial Conduct Authority. Sending us an email, completing the contact form, or telephoning the desk does not create a client relationship and does not oblige us to answer a personal case. Illustrations named Rowan, Lark, Nia, Owen, Priya and Harun are fictional composites used for explanation.

Figures such as debt relief order thresholds and application fees are described as they stood in public guidance when the page was updated. Laws, fees and creditor practices change. You must confirm anything you might act on with a free advice service or with the public body that administers the route, and with your own paperwork.

3. Using the site

You may view the pages, print them for personal use, and link to them. You may not copy the collection of pages onto another site and present it as your own, scrape the site in order to train a model or to generate leads, or interfere with security. You must not use the contact details to send account information you would not want in an ordinary inbox, or to send unlawful, abusive or promotional material. We may ignore messages that ask us to choose a debt solution.

4. Intellectual property

The text, layout and the mark used in the header belong to Cierzoxora unless a page says otherwise. Photographs on the site are original images made for the desk. You may quote a short passage with a credit and a link to the page. You may not reproduce whole essays, or use the photographs in advertising, without written permission from [email protected].

5. External links

We link to GOV.UK, MoneyHelper, advice charities and similar public sources so you can leave this site and get help we are not allowed to give. Those sites are not ours. Their terms, privacy notices and phone hours are their own. A link is not an endorsement of every page on that domain, and it is not a referral arrangement. We are not paid when you use one.

6. Liability

The site is provided free of charge. We take care with the writing, and we correct errors when they are shown to us, but we do not warrant that a page is complete or current. To the extent the law allows, we exclude liability for loss arising from reliance on the site, including decisions about payments to creditors, applications for insolvency, or delays in seeking advice. We do not exclude liability for death or personal injury caused by negligence, for fraud, or for any other liability that English law does not allow us to exclude. If you need advice you can rely on, get it from an authorised person or a free advice agency before you act.

7. Changes and availability

We may edit or remove pages without notice. The date of a substantive update will be mentioned on pages where a legal figure is discussed. The site may be unavailable during hosting maintenance. These terms may be replaced by a newer version posted at this address. Continuing to use the site after that version is posted is acceptance of it for future use.

8. Law and contact

These terms are governed by the law of England and Wales. The courts of England and Wales have jurisdiction, without limiting any mandatory right you have to bring a claim in your home nation of the UK. Questions about the terms go to [email protected]. Questions about your own debts do not. Last updated October 2026.