Acceptable Use Policy

Personal use only

Debt Challenger is provided for your personal use, in your own name, and only for your own debt disputes. You may not use it to draft correspondence in another person's name unless you hold their explicit, documented authorisation to act on their behalf. Unauthorised use to act on behalf of another person may constitute fraud under the Fraud Act 2006.

Prohibited uses

• Using the service to send correspondence about debts you do not own or are not responsible for
• Using the service on behalf of third parties without documented authority
• Reselling, sublicensing, or making the service available to others (including as a bureau service)
• Sending letters with the intent to harass, intimidate, or cause distress to any party
• Creating multiple accounts to circumvent plan limits
• Any use that could constitute harassment under the Protection from Harassment Act 1997

Statement of truth

Before generating each challenge letter, you confirm: "This is my debt. I am the named account holder. I have authority to send this letter." This statement is recorded with a timestamp and your IP address as evidence of your declaration.

Not legal advice

Debt Challenger is administrative software. It provides tools grounded in publicly available UK legislation. It does not constitute legal advice and does not create a solicitor–client relationship. For imminent court action, seek qualified legal counsel or contact a regulated service such as StepChange or Citizens Advice.

Enforcement

Violation of this policy may result in immediate account suspension without refund and, where applicable, reporting to the relevant authorities.