Terms & Conditions

1. About This Website

This website is operated by IVA UK. The information provided is for general informational purposes only and does not constitute financial, legal, or professional advice. IVA UK does not provide regulated financial advice.

2. Not Financial Advice

The content on this website is designed to provide general information about Individual Voluntary Arrangements. It should not be relied upon as a substitute for professional financial advice. We strongly recommend that you seek independent advice from a qualified, FCA-authorised professional before entering into any debt solution.

3. IVA Administration

All Individual Voluntary Arrangements are administered by a licensed Insolvency Practitioner (IP) who is authorised and regulated under the Insolvency Act 1986. IVA UK acts as an introducer and is not itself an Insolvency Practitioner. Fees for the IVA are payable and will be explained in full before you enter into any arrangement.

4. Eligibility & Suitability

An IVA is a formal insolvency solution and may not be suitable for everyone. Whether an IVA is appropriate depends on your individual circumstances, including your income, expenditure, and total debt.

5. Impact on Credit Rating

Entering into an IVA will affect your credit rating. The IVA will be recorded on your credit file for six years from the start date and will appear on the Individual Insolvency Register.

6. Accuracy of Information

While we endeavour to ensure the information on this website is accurate and up-to-date, we make no warranties or representations regarding its completeness or accuracy. Debt write-off figures shown are illustrative only.

7. Third-Party Links

This website may contain links to third-party websites. We have no control over the content of those sites and accept no responsibility for them.

8. Advertising

This website uses Google AdSense and other advertising services. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website.

9. Limitation of Liability

IVA UK shall not be liable for any loss or damage arising from the use of this website or reliance on any information provided herein. This does not affect your statutory rights.

10. Governing Law

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