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          <h2>Terms & Conditions</h2>
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          <a href="index.php">Home <i class="fa-solid fa-angle-right"></i> <span>Terms</span></a>
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        <p><strong>Last Updated:</strong> June 2026</p>

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        <h3>Terms and Conditions of Use</h3>
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        <p>These Terms and Conditions govern your use of the Debt Clear Plans website ("Website") located at <strong>DebtClearPlans.co.uk</strong>.</p>
        <p>By accessing or using this Website, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Website.</p>

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        <h3>About Us</h3>
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        <p>Debt Clear Plans is a UK-based debt advice and referral service.</p>

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        <h4>Contact Details</h4>
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        <p>
          Debt Clear Plans<br>
          123 Business Centre, London, England, AB1 2CD<br>
          Email: <a href="mailto:info@debtclearplans.co.uk">info@debtclearplans.co.uk</a><br>
          Phone: 0800 123 4567
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        <h3>Website Use</h3>
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        <p>This Website is intended for residents of the United Kingdom only.</p>
        <p>The information provided on this Website is for general guidance and informational purposes only and should not be considered financial, legal, or professional advice.</p>

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        <h3>Accuracy of Information</h3>
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        <p>We make reasonable efforts to ensure the information on our Website is accurate and up to date. However, we do not guarantee the completeness, accuracy, or suitability of any content.</p>
        <p>You are responsible for ensuring that any information you provide to us is accurate and complete.</p>

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        <h3>No Guarantee of Debt Solution Approval</h3>
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        <p>Debt solutions, including but not limited to Individual Voluntary Arrangements (IVAs), Debt Management Plans (DMPs), Debt Relief Orders (DROs), and Bankruptcy, are subject to eligibility criteria and, where applicable, creditor approval.</p>
        <p>Submitting an enquiry through our Website does not guarantee acceptance into any debt solution.</p>

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        <h3>Third-Party Referrals</h3>
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        <p>Where appropriate, we may refer you to trusted third-party debt solution providers or regulated advisers.</p>
        <p>We may receive a referral fee if you choose to proceed with a service offered by one of our partners.</p>
        <p>Any agreement you enter into with a third party will be governed by that provider's own terms and conditions.</p>

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        <h3>Limitation of Liability</h3>
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        <p>To the fullest extent permitted by law, Debt Clear Plans shall not be liable for any direct, indirect, incidental, or consequential loss arising from:</p>
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          <li>Use of this Website</li>
          <li>Reliance on information contained on this Website</li>
          <li>Website interruptions or technical issues</li>
          <li>Actions taken based on information provided by users</li>
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        <p>Nothing in these Terms excludes liability where such exclusion is prohibited by law.</p>

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        <h3>Data Protection</h3>
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        <p>Your use of this Website is also governed by our Privacy Policy.</p>
        <p>By submitting information through our Website, you consent to the collection and processing of your information in accordance with our Privacy Policy.</p>

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        <h3>Call Recording and Monitoring</h3>
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        <p>Telephone calls, emails, web forms, and online chats may be monitored or recorded for training, compliance, quality assurance, and security purposes.</p>

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        <h3>Intellectual Property</h3>
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        <p>All content on this Website, including text, graphics, logos, branding, and design elements, is owned by or licensed to Debt Clear Plans.</p>
        <p>You may not reproduce, distribute, modify, or commercially exploit any content without our prior written consent.</p>

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        <h3>External Links</h3>
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        <p>Our Website may contain links to third-party websites for your convenience.</p>
        <p>We do not control or accept responsibility for the content, privacy practices, or services provided by external websites.</p>

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        <h3>Changes to These Terms</h3>
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        <p>We reserve the right to update or amend these Terms and Conditions at any time.</p>
        <p>Any updates will be posted on this page and will take effect immediately upon publication.</p>

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        <h3>Governing Law</h3>
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        <p>These Terms and Conditions shall be governed by and interpreted in accordance with the laws of England and Wales.</p>
        <p>Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.</p>

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        <h3>Important Information</h3>
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          <li>Debt solutions may affect your credit rating.</li>
          <li>Fees may apply depending on the debt solution selected.</li>
          <li>Not all debt solutions are suitable for every individual.</li>
          <li>Free independent debt advice is available from organisations such as MoneyHelper and other authorised debt advice providers.</li>
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        <p>If you are experiencing financial difficulties, we encourage you to seek professional advice before making any decisions regarding debt solutions.</p>
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