Disclaimer

Website Disclaimer

Information Only - Not Financial Advice

IVA Facts is an educational resource providing general information about Individual Voluntary Arrangements (IVAs) and related debt solutions in the United Kingdom. We do not provide financial advice.

What We Provide

  • General information about IVAs and debt solutions
  • Educational content to help you understand your options
  • Comparison tools and calculators for estimation purposes
  • Links to licensed professionals and debt charities

What We Don't Provide

  • ❌ Personal financial advice
  • ❌ Recommendations to enter specific debt solutions
  • ❌ IVA setup or administration services
  • ❌ Credit counseling or debt management services
  • ❌ Legal advice

Not Licensed Practitioners

Important: IVA Facts and its operators are not licensed Insolvency Practitioners. We cannot:

  • Set up IVAs
  • Act as nominees or supervisors
  • Provide regulated financial advice
  • Make formal recommendations about your debt situation

Always Seek Professional Advice

Before making any decisions about debt solutions, you must:

  1. Consult a licensed Insolvency Practitioner if considering an IVA

  2. Seek free advice from regulated debt charities such as:

    • StepChange Debt Charity
    • National Debtline
    • Citizens Advice
    • Money Helper

  3. Review your situation with a qualified financial advisor where appropriate

Accuracy of Information

We strive to ensure all information is accurate and up-to-date. However:

  • Debt legislation and regulations can change
  • Individual circumstances vary greatly
  • Calculator results are estimates only
  • Information should not be relied upon without verification

Last Updated: January 2026

No Guarantees

We make no guarantees about:

  • IVA approval outcomes
  • Specific debt write-off amounts
  • Creditor acceptance rates
  • Individual eligibility for any debt solution

Use of Calculators

Our calculators and tools:

  • Provide estimates only
  • Are not substitutes for professional assessment
  • Cannot account for all personal circumstances
  • Should be used for informational purposes only

External Links

IVA Facts contains links to external websites. We:

  • Do not control external content
  • Are not responsible for external website content
  • Do not endorse linked organizations unless explicitly stated
  • Recommend verifying information from multiple sources

Changes to This Disclaimer

We may update this disclaimer periodically. Continued use of the website constitutes acceptance of any changes.

Contact Information

For questions about this disclaimer, please visit our Contact page.

Regulatory Information

Financial Conduct Authority (FCA)

Debt advice in the UK is regulated by the Financial Conduct Authority. Licensed debt advisors must be authorized by the FCA.

To verify an advisor's credentials, visit: FCA Register

Insolvency Practitioners Association (IPA)

Insolvency Practitioners must be licensed by a recognized professional body. To find licensed IPs, visit:

Your Rights

Under UK consumer protection laws, you have rights when dealing with financial service providers. For more information:

Remember: This website is a starting point for research. Always verify information and seek professional advice before making financial decisions.