Beta Agreement

This agreement ("Beta Agreement") is between you ("you", "your") and Robert Caswell, trading as Debt Challenger of 323 Prince Rupert Drive, Aylesbury, HP19 9DF ("we", "us", "Debt Challenger"). By activating your trial account and clicking "I accept" on the activation screen, you confirm you have read, understood, and agreed to this agreement.

1. What the beta is

Debt Challenger is administrative software that helps UK consumers exercise their statutory rights against debt collection agencies. The closed beta is a pre-release test of the service. Features may change, break, or be removed. Data may be reset before public launch (we will notify you in writing at least 14 days before any such reset).

The closed beta runs from the date you accept this agreement until we notify you it has ended, which we expect (but do not guarantee) to be within 90 days.

2. What this beta is not

• It is not legal advice. We are not a law firm.
• It is not a regulated debt counselling, debt management, or debt adjusting service under FCA rules.
• It is not a substitute for advice from a solicitor, financial adviser, or regulated debt charity (e.g. StepChange, Citizens Advice, National Debtline).
• It will not guarantee that any debt is written off, reduced, or successfully challenged. Outcomes depend on facts we cannot verify and decisions made by third parties.

3. No warranty

The beta is provided "as is" and "as available". To the fullest extent permitted by law:

• We make no warranty that the service will be uninterrupted, error-free, or fit for any particular purpose.
• We make no warranty about the accuracy, completeness, or legal effect of any letter, statute citation, or analysis generated by the service.
• You are solely responsible for reviewing every generated letter before posting it, including all names, addresses, account references, dates, and legal claims.

4. Limitation of liability

Nothing in this agreement excludes liability for: death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be limited. Subject to that, our total aggregate liability to you arising out of or in connection with the beta is limited to £100 or the total fees paid by you for the beta period (if any), whichever is greater.

We are not liable for any indirect, consequential, or special losses, including loss of profits, loss of business, lost time, missed deadlines, or any costs arising from your dealings with a debt collection agency, creditor, court, or regulator.

5. Beta fees

During the closed beta, you are not charged for use of the service unless we tell you in writing before any charge. If we introduce paid plans during the beta, we will give you at least 14 days' notice and you may close your account before any charge applies.

6. Your responsibilities

• You must be at least 18 years old and resident in the United Kingdom.
• You will only use the service for your own debt disputes, in your own name. See the Acceptable Use Policy for the full list of restrictions.
• You will keep your account credentials secure.
• You will not upload material that infringes third-party rights or contains malware.
• You will not use the service if you have received a court claim (CCJ / N1) — the service cannot handle active litigation, and you must seek qualified legal help instead.

7. Feedback

We encourage you to share feedback, bug reports, and suggestions. By providing feedback, you grant us a perpetual, royalty-free, worldwide licence to use it to improve the service, with no obligation to compensate you. Feedback is not treated as your confidential information unless you mark it as such in writing.

8. Data & privacy

We process your personal data in accordance with our Privacy Policy. During the beta, we may review samples of your uploaded letters, correspondence, and account activity to identify bugs, improve our processing prompts, and verify that the service is working as intended. Access is logged in an internal audit trail. You can request erasure of your data at any time from Settings → Danger Zone.

9. Confidentiality of beta features

You may share screenshots and your general experience of the service, but we ask you not to publicly disclose specific implementation details, unreleased features we discuss with you, or our processing prompts. This is a courtesy request, not a legal restriction.

10. Suspension and termination

We may suspend or terminate your beta access at any time, with or without cause, on written notice (including by email). You may close your account at any time. On termination, we will retain personal data only as long as necessary for our legitimate interests (e.g. audit, fraud prevention) or to comply with legal obligations, in accordance with our Privacy Policy.

11. Governing law & jurisdiction

This agreement is governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising out of or in connection with it.

12. Contact

Questions about this agreement should be sent to hello@debtchallenger.co.uk.