Terms & Conditions

1. About these terms

These terms govern your use of the Scottish Debt Plan website. By using the website or submitting an enquiry, you agree to these terms. If you do not agree, please do not use the site.

2. About Scottish Debt Plan

Scottish Debt Plan provides information about Scottish debt solutions and an enquiry route. Address: 200 Carmichael St, Glasgow, G51 2QU. Company number: SN000000. Telephone: 0141 000 0000.

The final operating entity, provider relationships and regulatory disclosures must be confirmed before public launch.

3. Information, not a personal recommendation

Website content is general information. It is not a personal recommendation to enter a Trust Deed, DAS, bankruptcy or any other debt solution. Suitability depends on individual circumstances and should be assessed by an appropriately qualified or authorised person.

4. Debt enquiries and referrals

If you submit an enquiry, the information you provide may be used to contact you and, where part of the service and made clear to you, may be provided to an appropriately qualified or authorised debt advice, money advice or insolvency provider for assessment.

Submitting the online form does not guarantee that you qualify for a particular solution and does not create or approve a Trust Deed, DAS Debt Payment Programme or other formal arrangement.

5. Accuracy of information you provide

You should provide information that is accurate to the best of your knowledge. A meaningful assessment depends on complete information about debts, income, expenditure, assets and relevant circumstances.

6. Website content

We aim to keep information clear and reasonably current, but laws, guidance, provider processes and individual outcomes can change. We do not guarantee that every page will be complete for every situation. Formal advice should be based on the rules and facts applicable when the advice is given.

7. No guaranteed outcome

We do not guarantee debt write-off amounts, monthly payment reductions, creditor acceptance or approval of any statutory debt solution. Examples are illustrative unless clearly stated otherwise.

8. Your use of the website

You must not misuse the website, attempt unauthorised access, interfere with site operation, submit malicious material or use automated systems in a way that places unreasonable load on the service.

9. Intellectual property

Unless stated otherwise, the website design, branding, copy and original materials are owned by or licensed to the operator of Scottish Debt Plan. You may use the site for personal information purposes but may not reproduce substantial parts commercially without permission.

10. Links and third-party services

The site may link to official bodies, advisers or other third parties. We are not responsible for the availability, content or independent practices of third-party sites.

11. Liability

Nothing in these terms excludes liability that cannot legally be excluded. Subject to that, we are not responsible for losses caused by relying on general website information instead of obtaining an individual assessment, or for events outside our reasonable control.

12. Privacy and cookies

Our Privacy Policy explains how personal information is used. Our Cookie Policy explains cookies and similar technologies.

13. Governing law

These terms are governed by the laws of Scotland. The Scottish courts will have jurisdiction subject to any mandatory consumer rights that apply.

14. Contact

Questions about these terms can be sent by post to 200 Carmichael St, Glasgow, G51 2QU or by telephone on 0141 000 0000.