Terms & Conditions

Usage of our website and services is subject to the following terms and conditions.

Introduction

• By browsing and using this website you are complying with, and agreeing to be bound by, Scotlandstrustdeed.co.uk’ s terms and conditions, which together with our ‘Privacy Policy’ govern our relationship with you in relation to this website. If you disagree with any of these terms, please do not access or use this site.

• Forthwith, the terms “Scotlandstrustdeed.co.uk”, “our”, “us” and “we” all refer to Simple Financial Solutions Ltd (No SC382881) who are registered at Sovereign House, 58 Elliot Street, Glasgow, G3 8DZ.

• The term “you” refers to the user or viewer of our website.

Terms and conditions:

• We provide impartial advice on debt solutions in Scotland via the information on our website

• We are authorised and regulated by the Financial Conduct Authority (FCA), authorisation number 0641275.

• We do not claim that the information given on our website should be construed as professional, qualified debt advice. It is an independent assessment of all products described on our website and is subject to change without notice.

• We take great care to ensure that the information appearing on our website is up to date and accurate. However we can give no warranty on this accuracy and so the advice should be used for information purposes only, and should be discussed further with one of our professional Debt Advisers before you take any action.

• We are able to establish if you’re likely to qualify for a debt solution, based on basic information you provide us with, either using the Debt Test on the website or via the telephone.

• By taking the Debt Test on the website you are agreeing that, if you’re likely to qualify, your details will be passed to one of our professional Debt Advisers who will contact you to assess if we can be of further assistance.

• Our professionally qualified Debt Advisers will act for you, with your best interests in mind. They do not act for your lenders. They will assess your financial situation and prepare an income / expenditure statement, taking account of essential living costs; they will advise you on which debts should be regarded as “priority debts” and how to deal with these; they will use this to identify the best solution for your own circumstances; and they will keep all of your information confidential except when required by law, or at your request, to disclose your information.

• It is your own responsibility to provide your Adviser with accurate information on your income, expenditure and assets; to provide proof that all figures documented are true and accurately reflect your current circumstances; to do so within a reasonable time; and to keep your Adviser aware of any contact or correspondence with your lenders out-with this process

• Any decision to enter into any of the products describes on our site, or advised to you, is your own responsibility.

• We may, from time to time, provide content via links to other websites. We have no control over the content of such external sites and we are in no way responsible for any information you access, or use, via linking to them from our site.

• We cannot promise that our website will be uninterrupted or entirely error-free, and since it is provide on an ‘as available’ basis, we are responsible if it’s unavailable for any reason beyond our control.

• We make every effort to prevent the intrusion of viruses, worms or any other infectious programming code that could damage or corrupt files on your computer. However because the internet is not a stable medium, we cannot be held responsible and will not accept liability for occurrences resulting from the intrusion of viruses, worms or any other infectious programming code that could damage and corrupt files on your computer. Therefore, by using the Scotlandstrustdeed.co.uk website, you assume full responsibility for protecting against such occurrences with suitable firewalls and virus protection.

• Our website domain is a registered trademark. Any unauthorised use of this trademark would constitute ‘passing off’ which, if occurs, will result in legal action. All trademarks reproduced in this website, which are not the property of, or licensed to us, are acknowledged on the website.

• The rights in the designs, pictures, logos, photographs and content of this site are owned by or licensed to us, and protected by copyright. You cannot copy, reproduce, modify, distribute, republish, display, post or transmit any part of this site without our written permission.

• You can only view, download specific documents made available for downloading, and print pages from the website for your own personal, non-commercial, use

• You must not use our website in any way that causes, or could cause damage to the website or disable the availability and accessibility of the website, or in any other way which is unlawful, fraudulent, illegal or harmful.

• We can terminate your use of our site at any time without notice.

Changes to the terms

• We may change the site or these terms at any time. If you use the site after we have changed the terms you will be bound by the new terms.

Applicable law

• Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Scotland and Wales.