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Terms of Use / Website & Forum

Thursday, 13th May 2010


DebtWizard.com Website & Forum Terms of Use 



The website at www.debtwizard.com (DebtWizard.com) is owned and operated by Aperture Debt Solutions LLP, a limited liability partnership (company number NC001303) having its registered office at Water’s Edge, Clarendon Dock, Belfast, BT1 3BH.

This page (together with the documents referred to on it) tells you the terms of use on which you may make use of DebtWizard.com, whether as a guest or as a registered user.  Please read these DebtWizard.com Website Terms of Use (Website Terms of Use) carefully before you start to use DebtWizard.com.  By using DebtWizard.com, you indicate that you accept these Website Terms of Use of use and that you agree to abide by them.  If you do not agree to these Website Terms of Use, then please refrain from using DebtWizard.com.

Accessing DebtWizard.com 

From time to time, Aperture Debt Solutions LLP may restrict access to some parts of DebtWizard.com, to users who have registered with us. If you choose, or you are provided with, a user ID, password or any other piece of information as part of our registration procedures, you must treat such information as confidential and you must not disclose it to any third party. Aperture Debt Solutions LLP reserves the right to disable any user ID at any time, if in our opinion, you have failed to comply with any of the provisions of these Website Terms of Use.

Intellectual Property Rights

Aperture Debt Solutions LLP is the owner or the licensee of all intellectual property rights in DebtWizard.com, and in the material published on it.  Those works are protected by copyright laws and treaties around the world.  All such rights are reserved. 

Debtwizard® is a registered trade mark (number 2475897A and 2475897B) and is owned by Aperture Debt Solutions LLP. 

No part of the text or graphics on this site may be reproduced or transmitted in any form or by any means, electronic or mechanical, including by photocopying, facsimile transmission, recording, re-keying, or using any information storage and retrieval system, without permission in writing from Aperture Debt Solutions LLP. 

You must not use any part of the materials on DebtWizard.com for commercial purposes without obtaining permission in writing from Aperture Debt Solutions LLP.  Any unauthorised use may give rise to a claim in damages.

Information about you and your visits to DebtWizard.com

Aperture Debt Solutions LLP processes information about you in accordance with the DebtWizard.com privacy policy.  By using DebtWizard.com, you consent to such processing.

Reliance on information posted

Aperture Debt Solutions LLP makes no representations, warranties or guarantees, whether express or implied, that the content on DebtWizard.com is accurate, complete or up-to-date. 

Commentary and other materials posted on DebtWizard.com are not intended for use without professional advice.  Aperture Debt Solutions LLP therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to DebtWizard.com, or by anyone who may be informed of any of its contents. 

In particular, where third parties contribute content on the website at debtwizard.com (whether in response to website user queries on the website or otherwise), including but not limited to third parties invited by Aperture Debt Solutions LLP to contribute content on the IVA/Debt Forum section of the website ("Contributors"), Aperture Debt Solutions LLP disclaims all liability and responsibility arising from any reliance placed on such content posted by Contributors, and in permitting such Contributors to post content on the website at debtwizard.com, Aperture Debt Solutions LLP does not endorse in any way either such individual Contributor, or any firm they represent, or the content they post on the website.


The material displayed on DebtWizard.com is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, Aperture Debt Solutions LLP hereby expressly excludes:

  • All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
  • Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with DebtWizard.com or in connection with the use, inability to use, or results of the use of DebtWizard.com, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims that cannot be excluded under applicable law.

Restricted Uses

You may use DebtWizard.com for lawful purposes only.  You may not use DebtWizard.com in any way that breaches any applicable local, national or international law or regulation; in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect; for the purpose of harming or attempting to harm minors in any way; to send, knowingly receive, upload, download, use or re-use any material which does not comply with the content standards set out in these Website Terms of Use; to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

You also agree not to reproduce, duplicate, copy or re-sell any part of DebtWizard.com in contravention of the provisions of these Website Terms of Use; not to access without authority, interfere with, damage or disrupt any part of DebtWizard.com; any equipment or network on which DebtWizard.com is stored; any software used in the provision of DebtWizard.com; or any equipment or network or software owned or used by any third party.

You may report to Aperture Debt Solutions LLP any activities of any other user which violate applicable laws and/or these Website Terms of Use (see Contact details below).

Content Standards

These content standards apply to any and all material which you contribute to DebtWizard.com and to any interactive services associated with them. You must comply with the spirit as well as the letter, of the following standards.  The standards apply to each part of any contribution as well as to its whole.

Contributions must be accurate (where they state facts); be genuinely held (where they state opinions); and must comply with the applicable law in any country from which they are posted.

Contributions must not contain any material which is defamatory of any other person; breach the data protection or privacy rights of any person; contain any material which is obscene, offensive, hateful or inflammatory; promote sexually explicit material; promote violence; promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age; infringe any patent, copyright, database right, trademark or other intellectual property right of any other person; be likely to deceive any other person; be made in breach of any legal duty owed to a third party, such as contractual duty or a duty of confidence; promote any illegal activity; be threatening, abusive or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety; be likely to harass, upset, embarrass, alarm or annoy any other person; be used to impersonate any person, or to misrepresent your identity or affiliation with any person; give the impression that they emanate from us, if this is not the case; or advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

Uploading Material to DebtWizard.com

Whenever you make use of a feature that allows you to upload content to DebtWizard.com, or to make contact with other users of DebtWizard.com, you must comply with the content standards set out in these Website Terms of Use. 

Any material you upload to DebtWizard.com will be considered non-confidential and non-proprietary, and Aperture Debt Solutions LLP has the right to use, copy, distribute and disclose to third parties any such material for any purpose. Aperture Debt Solutions LLP also has the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to DebtWizard.com constitutes a violation of their intellectual property rights, or of their right to privacy. 

Aperture Debt Solutions LLP will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of DebtWizard.com. 

Aperture Debt Solutions LLP reserve the right to remove any posting you make on DebtWizard.com if, in our opinion, your post does not comply with the provisions of this Website Terms of Use.       

The views expressed by other users on DebtWizard.com do not represent our views or values. 

Viruses, Hacking and Other Offences

You must not misuse DebtWizard.com by transmitting any data (or sending or uploading any other material) that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware, or by knowingly introducing any other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to DebtWizard.com, the server on which DebtWizard.com is stored or any server, computer or database connected to DebtWizard.com. You must not attack DebtWizard.com via a denial-of-service attack or a distributed denial-of service attack. In the event of such a breach, your right to use DebtWizard.com will cease immediately.

Aperture Debt Solutions LLP will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of DebtWizard.com or to your downloading of any material posted on it, or on any website linked to it.

Links From DebtWizard.com

Where DebtWizard.com contains links to other sites and resources provided by third parties, these links are provided for your information only. Aperture Debt Solutions LLP has no control over the contents of those sites or resources, and accepts no responsibility for them or for any loss or damage that may arise from your use of them.  

Links to DebtWizard.com 

You may link to the DebtWizard.com home page, provided you do so in a way that is fair and legal and does not damage Aperture Debt Solutions LLP's reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you.

DebtWizard.com must not be framed on any other site, nor may you create a link to any part of DebtWizard.com other than the home page. Aperture Debt Solutions LLP reserves the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in these Website Terms of Use.

Changes to DebtWizard.com

Aperture Debt Solutions LLP may update DebtWizard.com from time to time, and may change the content at any time. If the need arises, we may suspend access to DebtWizard.com, or close it indefinitely. Any of the material on DebtWizard.com may be out of date at any given time, and Aperture Debt Solutions LLP is under no obligation to update such material.   

Changes to These Website Terms of Use   

Aperture Debt Solutions LLP may change these Website Terms of Use at any time without giving you notice so please check it each time you visit DebtWizard.com, as any changes are binding on you. Your continued use of DebtWizard.com after any such changes constitutes your acceptance of such changes. Some of the provisions contained in these Website Terms of Use may also be superseded by provisions or notices published elsewhere on DebtWizard.com.

Jurisdiction and Applicable Law

The courts of England and Wales will have exclusive jurisdiction over any claim arising from, or related to, a visit to DebtWizard.com.  These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.

Regulatory Information

Financial Conduct Authority 

Aperture Debt Solutions LLP is authorised and regulated by the Financial Conduct Authority. Details of our registration can be viewed at https://register.fca.org.uk/ under registration number 758482.

Insolvency Services

Some of our partners and staff are licensed to act as an insolvency practitioner in the UK by the Insolvency Practitioners Association. The firm is subject to the Insolvency Regulations and Guidance Notes and the Statements of Insolvency Practice. If you are not satisfied with how your issues relating to the insolvency practitioner’s regulated work have been dealt with by Aperture Debt Solutions LLP, then you may contact Aperture Debt Solutions LLP at https://apertureiva.com/terms/complaints/


Requests for permission or further information should be addressed to:

Digital Marketing Manager
Waters Edge, Clarendon Dock,

Thank you for visiting DebtWizard.com





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