Terms of Use

Terms of Use

Effective Date: January 12, 2026

Welcome to IVA Facts. By accessing and using ivafacts.co.uk ("the Website"), you agree to comply with and be bound by these Terms of Use. Please read them carefully.

1. Acceptance of Terms

By using this Website, you acknowledge that:

  • You have read and understood these Terms
  • You agree to be bound by these Terms
  • You comply with all applicable laws and regulations
  • You are at least 18 years of age

If you do not agree to these Terms, please do not use this Website.

2. Nature of Service

2.1 Information Only

IVA Facts provides:

  • ✅ General educational information about IVAs and debt solutions
  • ✅ Comparison tools and calculators
  • ✅ Links to professional resources

IVA Facts does NOT provide:

  • ❌ Financial advice
  • ❌ Legal advice
  • ❌ Debt management services
  • ❌ IVA setup or administration

2.2 Not Professional Advice

Important: Content on this Website is for informational purposes only and does not constitute professional financial, legal, or debt advice. Always consult qualified professionals before making financial decisions.

3. User Responsibilities

You agree to:

  • Use the Website lawfully and responsibly
  • Provide accurate information when using calculators or contact forms
  • Not attempt to harm or disrupt the Website
  • Not use the Website for any unlawful purpose
  • Respect intellectual property rights
  • Verify all information independently

4. Intellectual Property

4.1 Ownership

All content on this Website, including:

  • Text and articles
  • Graphics and images
  • Calculator tools
  • Design and layout
  • Code and software

...is owned by IVA Facts or our licensors and is protected by UK and international copyright laws.

4.2 Permitted Use

You may:

  • ✅ View and read content for personal, non-commercial use
  • ✅ Print pages for personal reference
  • ✅ Share links to our pages

You may NOT:

  • ❌ Copy or reproduce content without permission
  • ❌ Modify, adapt, or create derivative works
  • ❌ Use content for commercial purposes
  • ❌ Remove copyright notices
  • ❌ Frame or embed our content on other websites

5. Accuracy and Liability

5.1 No Guarantees

While we strive for accuracy, we make no guarantees about:

  • Accuracy or completeness of information
  • Calculator results or estimates
  • Suitability for your specific circumstances
  • Availability or uninterrupted access to the Website

5.2 Limitation of Liability

To the fullest extent permitted by law:

  • IVA Facts is not liable for decisions made based on Website content
  • We are not responsible for losses arising from use of the Website
  • We do not guarantee specific outcomes or results
  • Calculator results are estimates only and not guarantees

5.3 No Warranty

The Website is provided "as is" without warranty of any kind, express or implied.

6. External Links

6.1 Third-Party Websites

The Website contains links to external websites. We:

  • Do not control external content
  • Are not responsible for external website content, accuracy, or privacy practices
  • Do not endorse linked organizations unless explicitly stated
  • Recommend reviewing third-party terms and privacy policies

6.2 Use at Your Own Risk

Following external links is at your own risk. Verify information from external sources independently.

7. Calculator Tools

7.1 Estimates Only

Our calculators provide:

  • General estimates based on information you provide
  • Indicative results for comparison purposes
  • Educational tools, not financial assessments

7.2 No Data Storage

Calculator inputs are processed in your browser and are not stored on our servers unless you explicitly submit a contact form.

7.3 Not Professional Assessment

Calculator results do not replace professional assessment by a licensed Insolvency Practitioner or financial advisor.

8. User Content

8.1 Contact Forms

If you submit information through contact forms:

  • You grant us permission to use the information to respond to your inquiry
  • You confirm the information is accurate
  • We will handle your data according to our Privacy Policy

8.2 Prohibited Content

You must not submit:

  • False or misleading information
  • Offensive, abusive, or inappropriate content
  • Spam or promotional content
  • Malicious code or harmful content

9. Privacy and Data Protection

Your use of the Website is also governed by our:

Please review these documents to understand how we collect and use personal information.

10. Changes to Terms

We may update these Terms at any time by:

  • Posting revised Terms on this page
  • Updating the "Effective Date"
  • Continuing to use the Website after changes constitutes acceptance

We recommend reviewing these Terms periodically.

11. Changes to Website

We reserve the right to:

  • Modify or discontinue any aspect of the Website
  • Change content, features, or functionality
  • Suspend or terminate access without notice

We are not liable for any modifications, suspensions, or discontinuations.

12. Termination

We may terminate or suspend your access to the Website:

  • For violations of these Terms
  • For unlawful activity
  • At our discretion, with or without notice

13. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and IVA Facts regarding use of the Website.

16. Contact Information

For questions about these Terms:

17. Acknowledgment

By using IVA Facts, you acknowledge that:

  1. You have read and understood these Terms
  2. You understand the Website provides information only, not advice
  3. You will seek professional advice before making financial decisions
  4. You accept the limitations and disclaimers outlined above

Important Reminders

✅ Always seek professional advice before entering any debt solution
✅ Verify information from multiple sources
✅ Read our Disclaimer for additional important information
✅ Review our Privacy Policy to understand data handling

Thank you for using IVA Facts responsibly.

Last Updated: January 12, 2026