Terms of Service

These terms (the "Terms") are a legally binding contract between you ("you", "your") and Robert Caswell, trading as Debt Challenger of 323 Prince Rupert Drive, Aylesbury, HP19 9DF ("we", "us", "Debt Challenger"). They apply when you register for or use the Debt Challenger service at debtchallenger.co.uk (the "Service"). By creating an account you confirm that you accept these Terms.

1. The Service

Debt Challenger is administrative software that helps UK consumers exercise their statutory rights when dealing with debt collection agencies and original creditors. The Service includes:

• Uploading correspondence you receive and storing it against a case
• Generating draft challenge letters grounded in a curated library of UK statutes and regulator rules (Consumer Credit Act 1974, UK GDPR, Limitation Act 1980, FCA CONC, etc.) — each letter is composed fresh for the individual case, not a fixed template. Whether to use or send any letter is entirely the user's choice.
• Tracking response deadlines and reminding you when they approach
• Recording your posting confirmation and Royal Mail tracking number
• Allowing you to escalate to the FCA or Financial Ombudsman Service when deadlines are missed

We do not provide legal advice, act as your solicitor, or guarantee any particular outcome. We are not a regulated debt counselling, debt management, or debt adjusting firm under FCA rules.

2. Eligibility & account

• You must be at least 18 years old.
• You must be resident in the United Kingdom.
• You must use the Service for your own debt disputes only, in your own name. See our Acceptable Use Policy for the full list of restrictions.
• You must provide accurate registration information and keep it up to date.
• You are responsible for keeping your password secure and for all activity that occurs under your account.
• You may not create more than one account or use false identities to circumvent plan limits or abuse-prevention measures.

3. Plans, billing & trials

3.1 Plans

We offer a free plan (one lifetime Subject Access Request), tiered monthly and annual subscription plans, and a one-off single-case purchase. The plans and their current prices are shown on the pricing page. We may change plans, features, and prices on at least 30 days' written notice to you.

3.2 Free trials

Where we offer a free trial of a paid plan, your subscription will start automatically and be charged at the end of the trial unless you cancel before the trial ends. You can cancel from Settings → Manage plan.

3.3 Billing

Payments are processed by Stripe Payments UK Ltd. We do not see or store your card details. Subscriptions renew automatically on a monthly or annual cycle until you cancel. One-off single-case purchases are charged once.

3.4 Refunds & cancellations

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to cancel a purchase within 14 days of starting your subscription or making a one-off purchase, provided you have not begun using the digital service. By generating any letter or using any Service feature during this period, you expressly request immediate performance and waive your right to cancel under the Regulations.

Outside of the statutory cancellation right, fees are non-refundable. You may cancel a subscription at any time from Settings, and your access will continue until the end of the period you have paid for. We will not refund pro-rated amounts for the unused portion of a period.

3.5 Failed payments

If a renewal payment fails, we may suspend your access until payment is recovered. We will notify you by email and give you a reasonable opportunity to update your payment method.

4. Acceptable use

You agree to use the Service only in accordance with our Acceptable Use Policy, which is incorporated into these Terms by reference. In particular, you must not:

• Generate letters about debts that are not yours, in someone else's name, or without documented authority
• Use the Service to harass, intimidate, or cause distress to any party
• Upload content that infringes third-party rights or contains malware
• Resell, sublicense, or operate the Service as a bureau service
• Use the Service if you have received a court claim (CCJ / N1) — instead seek qualified legal help
• Attempt to reverse-engineer, decompile, or extract our processing prompts or letter frameworks

Before generating each challenge letter, you make a per-letter statement of truth confirming the debt is yours and you have authority to act. This statement is recorded with a timestamp and used as evidence in disputes over abuse of the Service.

5. Intellectual property

We retain all rights, title, and interest in the Service, including the software, letter frameworks, statute summaries, and processing prompts. You are granted a non-exclusive, non-transferable licence to use the Service for your personal debt disputes while these Terms are in force.

You retain ownership of letters you upload and letters you generate using the Service. You grant us a limited licence to store, process, and analyse your content solely to operate the Service for you and to improve the Service in accordance with our Privacy Policy.

6. Letters are your responsibility

Every letter generated by the Service is a draft. You are responsible for:

• Reading the letter in full before posting it
• Verifying that all names, addresses, account references, and amounts are correct
• Confirming that the legal claims and statute citations apply to your specific circumstances
• Posting the letter using Royal Mail Signed For (or equivalent) so you have proof of delivery
• Keeping copies of correspondence for your own records

We make no warranty that any letter generated by the Service will:

• Achieve any specific outcome
• Cause a debt to be written off, reduced, or paused
• Be legally sufficient for your particular dispute
• Be accepted by the agency, court, or regulator

7. Court proceedings — hard stop

The Service is not suitable for active litigation. If you receive a court claim (CCJ / N1 / claim form), or if proceedings have already been issued against you, you must stop using the Service for that matter and seek qualified legal advice immediately. Free help is available from StepChange, Citizens Advice, and Law Centres. Our court-claim escalation page in your dashboard will guide you to these resources.

8. Disclaimers

The Service is provided "as is" and "as available". Except as expressly stated, we make no representations or warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement.

We do not warrant that the Service will be uninterrupted, error-free, secure, or that defects will be corrected, although we will make reasonable efforts to maintain availability.

9. Limitation of liability

Nothing in these Terms excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot lawfully be excluded or limited.

Subject to the above:

• Our total aggregate liability arising out of or in connection with the Service in any 12-month period is limited to the greater of (a) £500 or (b) the total fees you have paid us in the 12 months preceding the event giving rise to the liability.
• We are not liable for any indirect, consequential, special, or punitive losses, including loss of profits, loss of revenue, loss of business, loss of goodwill, loss of data, or wasted expenditure.
• We are not liable for the actions or decisions of debt collection agencies, original creditors, courts, regulators, or any third party in response to letters you send.
• We are not liable for any debt, fine, penalty, interest, or other amount you owe to any third party.

These limits reflect the price paid for the Service and the fact that the Service is software, not legal advice or representation.

10. Suspension & termination

You may close your account at any time from Settings → Danger Zone. On closure, your data is deleted in accordance with our Privacy Policy.

We may suspend or terminate your access immediately and without refund if:

• You materially breach these Terms or the Acceptable Use Policy
• We have reasonable grounds to suspect fraud, abuse, or attempted abuse of the Service or its plan limits
• We are required to do so by law or by a regulator
• Continued provision of the Service to you would expose us to legal liability or material risk

We may also terminate or amend the Service entirely on 60 days' written notice to all users.

11. Data protection

Our handling of your personal data is governed by our Privacy Policy. By accepting these Terms you confirm you have read the Privacy Policy.

12. Changes to these Terms

We may update these Terms from time to time. We will notify you of material changes by email at the address on your account at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance. If you do not accept the changes, you may close your account before the effective date.

13. Governing law & jurisdiction

These Terms are governed by the laws of England and Wales. Any dispute arising out of or in connection with them is subject to the exclusive jurisdiction of the courts of England and Wales.

14. Miscellaneous

• Entire agreement. These Terms, the Acceptable Use Policy, and the Privacy Policy constitute the entire agreement between you and us regarding the Service.
• Severability. If any provision is held unenforceable, the remaining provisions remain in force.
• No waiver. Our failure to enforce a provision does not waive our right to enforce it later.
• Assignment. You may not assign or transfer your rights without our consent. We may assign these Terms in connection with a sale of our business.
• Third-party rights. No third party has any right to enforce these Terms under the Contracts (Rights of Third Parties) Act 1999.
• Force majeure. We are not liable for delays or failures caused by events outside our reasonable control.

15. Contact

For questions about these Terms, contact hello@debtchallenger.co.uk. For data protection matters, contact privacy@debtchallenger.co.uk.