Terms and Conditions

Last updated: 17-May-2025

These Terms and Conditions govern your use of the website fairrefund.co.uk (the "Site"). By accessing this Site, you agree to comply with and be bound by these terms. If you do not agree, please discontinue use of the Site immediately.

1. About Us

This website is operated by a team of independent consumer support advocates providing free tools and information to help individuals understand and challenge irresponsible lending — particularly where gambling may have contributed to financial harm.

We are not a regulated claims management company or legal service provider. We do not offer legal advice or handle claims on your behalf. This is an information-only service designed to help you prepare your own complaint.

2. Using Our Website

By using the Site, you confirm that any information you submit is truthful and accurate.

Access to the Site is provided on a temporary basis and may be withdrawn or amended at any time without notice. We are not liable if the Site is unavailable at any time.

You are responsible for ensuring that anyone accessing the Site through your internet connection complies with these Terms.

3. Our Services

The Site provides general guidance, educational content, templates, and letter generators to help you prepare complaints regarding unaffordable or irresponsible lending.

We do not submit complaints on your behalf, provide regulated financial advice, or enter into any legal relationship with you. All materials and tools are provided free of charge and on an as-is basis.

You remain fully responsible for any actions you take, including submitting a complaint or escalating it to the Financial Ombudsman Service.

4. No Legal or Financial Advice

Nothing on this Site constitutes legal, financial, or professional advice. While we aim to keep our materials accurate and up to date, they are general in nature and may not apply to your specific circumstances.

You should seek advice from a qualified professional if you require assistance beyond the information provided.

5. Intellectual Property

All content, materials, and tools on this Site are the property of the Site operator or its content partners.

You may download or print content for personal, non-commercial use only. You may not copy, distribute, or use the content for commercial purposes without express written permission.

6. Limitation of Liability

To the fullest extent permitted by law, we exclude all liability for any loss or damage — direct, indirect, or consequential — arising from your use of this Site or reliance on any content provided.

This includes, but is not limited to, loss of income, business, data, or reputation.

Nothing in these Terms excludes liability for fraud, death, or personal injury caused by our negligence, or any other liability that cannot be excluded under applicable law.

7. External Links

The Site may contain links to external websites or services. These are provided for convenience only. We do not endorse or take responsibility for the content or practices of third-party sites.

8. Security and Viruses

You must not misuse the Site by knowingly introducing viruses, malware, or any other harmful material.

We are not liable for any loss or damage caused by cyber attacks, viruses, or harmful content that may infect your computer or data due to use of our Site.

9. Changes to These Terms

We reserve the right to update or amend these Terms at any time without prior notice. Changes will be effective upon posting. We encourage users to review this page regularly.

10. Governing Law

These Terms and any disputes arising from your use of this Site are governed by the laws of England and Wales. All disputes will be subject to the exclusive jurisdiction of the English courts.

11. Contact Us

If you have any questions or concerns about these Terms, please contact:

📧 contact@fairrefund.co.uk
🌐 www.fairrefund.co.uk