This website is operated by Flint Bishop Limited, Reg No: 05991683, Pinnacle Building, 2 Prospect Place, Pride Park, Derby DE24 8HG.

These terms of use set out the basis on which you (whether as a guest or a registered user) may access and make use of fbdebt.co.uk. By accessing and using the website, you agree to be bound by and comply with these terms and conditions. If you do not agree to these terms of use, you must not access or use the website.

We may make changes to these terms of use from time to time. If we do amend these terms of use, any changes we make will be binding on you in respect of your continued use of the website. Please continue to review whenever accessing or using this website.

Please note that our Privacy Notice and Cookie Policy also apply to your access and use of the Website.

Content of the website

Although we make reasonable efforts to update the information on our website, we do not guarantee that our website, or any content on it, will be accurate, complete, or up to date.

We may update, change, or remove any of the content from our website at any time, but are under no obligation to do so.

The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website.

The website may provide links to other websites and online resources. We assume no responsibility for and will not be liable for any loss or damage arising from or in connection with, any content of third-party websites or resources linked on the website. Such links should not be interpreted as an endorsement by us of those linked websites. Your use of third-party websites and resources is at your own risk.

The website and all materials and content contained in it or linked to it are protected by copyright, trademarks and other rights of intellectual property rights owned by us or licensed to us. Such content and materials may not be used or reproduced (in whole or part) for any commercial purpose without our, or our licensors’, prior written consent. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

Availability of the website

We will use reasonable efforts to ensure that the website is always available. However, we cannot guarantee that the website or any individual function or feature of the website will always be available and/or error free. In particular, the website may be unavailable during periods when we are implementing upgrades to or carrying out essential maintenance on the website. We will not be liable to you if for any reason our website is unavailable at any time or for any period.

Access to the website

You are responsible for all access to the website using your internet connection, even if the access is by another person.

We do not guarantee that our website will be secure or free from bugs or viruses. You should use your own virus protection software.

If we grant you permission to access a restricted area to the website, we may withdraw that permission at any time (including where you breach any of these terms of use).

If are provided with a password to access the website, you must not disclose it to a third party. You must promptly notify if you know or suspect that anyone other than you knows or has access to the password.

Use of the website

Our permission to use the website is personal to you and non-transferable, and you may not use the website for commercial purposes.

Your use of the website is conditional on your compliance with the rules of conduct set out in these terms of use and you agree that you will not:

• use the website for any fraudulent or unlawful purpose;
• use the website to defame, abuse, harass, stalk, threaten or otherwise violate the rights of others, including without limitation others’ privacy rights or rights of publicity;
• impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with any person or entity in connection with the website; or express or imply that we endorse any statement you make;
• interfere with or disrupt the operation of the website or the servers or networks used to make the website available; or violate any requirements, procedures, policies or regulations of such networks;
• transmit or otherwise make available in connection with the website any virus, worm, Trojan horse or other computer code that is harmful, invasive or is intended to damage the operation of, or to monitor the use of, any hardware, software, or equipment;
• reproduce, duplicate, copy, sell, resell, or otherwise exploit for any commercial purposes, any portion of, use of, or access to the website;
• remove any copyright, trademark or other proprietary rights notice from the website or materials originating from the website;
• frame or mirror any part of the website without our express prior written consent;
• create a database by systematically downloading and storing website content; or
• use any manual or automatic device in any way to gather website content or reproduce or circumvent the navigational structure or presentation of the website without our express prior written consent.

You may create a link to our home page, provided that:

• the link is fair and legal;
• the link is not presented in a way that is misleading or could suggest any type of association, approval, or endorsement by us that does not exist; or harmful to our reputation or the reputation of any of our affiliates; and
• you retain the legal right and technical ability to immediately remove the link at any time, following a request by us to do so, and you shall immediately comply with any request by us to remove any such link.

We reserve the right to revoke these exceptions either generally or in specific instances.

Limitation of our liability

You acknowledge that your use of the website and its content is at your own risk.

Nothing in these terms and conditions excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise (including in relation to any virus or other technologically harmful material), even if foreseeable, arising under or in connection with the use of the website.

If you are a consumer, you have additional rights given to you by law.

Governing law & jurisdiction

These terms and conditions are governed by the laws of England, and you agree that, in the event of any dispute between you and us in relation to these terms and conditions, the courts of England and Wales shall have exclusive jurisdiction.