Terms of Use

01Who runs this website

tredaibrokelap.com is operated by an independent editorial team based in Bristol, United Kingdom. You can contact us by email at info@tredaibrokelap.com, by phone on 0117 496 0418 or by post at 27 Picton Street, Bristol BS6 5PZ, United Kingdom.

02What this website is

tredaibrokelap.com is a free educational resource about credit and borrowing literacy: how credit agreements work, what affects a credit file, repayment and debt management, and where free help exists in the UK.

It is not a lender, a credit broker, a comparison service, a debt management firm or a financial adviser. We do not offer, arrange, compare or recommend loans, lenders or debt solutions, and nothing on the site is an offer or a quote.

03Free access

All content is free to read. There is no registration, no account, no subscription and no paid tier. We will never ask you to pay to read any page.

04Business model

This website is funded by advertising. All content is free. We do not sell financial products or services and do not receive commissions, referral fees or any other payment for recommending financial products. Any advertising shown is kept clearly separate from editorial content.

05No advice

Content is general information for education. It does not take your circumstances into account and is not financial, legal or debt advice. Examples, including the repayment visualiser, use invented figures and simple arithmetic and are labelled as illustrations. Do not rely on them as a statement of what any agreement would cost you.

06Your responsibilities

• Use the website lawfully and do not try to disrupt or damage it.
• Do not send unlawful, abusive or misleading content through the contact form.
• Do not send financial details we have not asked for.
• Make your own decisions and, where you need personal guidance, use a free, impartial advice service.

07Intellectual property

The text, design, illustrations and code of this website belong to its operator unless stated otherwise. You may read, print and share pages for personal, non-commercial use with a credit to tredaibrokelap.com. Please do not copy content in bulk or republish it as your own.

08Names of other organisations

Where we mention public or charitable bodies, such as MoneyHelper, Citizens Advice or the Financial Conduct Authority, we do so for information only. We have no relationship with them and they have not reviewed or endorsed our content.

09Risk and liability

Borrowing always costs money and carries risk, including charges for missed payments, harm to your credit file and, for secured borrowing, the possible loss of an asset such as your home. We work hard to keep pages accurate and up to date but cannot promise they are complete or free of errors.

To the extent the law allows, we are not liable for any loss arising from reliance on the content of this website. Nothing in these terms limits liability that cannot be limited under the law of England and Wales.

10Changes

We may update these terms. The date at the top shows the latest version. Continuing to use the site after a change means you accept the updated terms.

11Governing law

These terms are governed by the law of England and Wales. If you live elsewhere in the United Kingdom, you may also bring proceedings in the courts of your own part of the UK.

12Contact

Questions about these terms can be sent by email at info@tredaibrokelap.com, by phone on 0117 496 0418 or by post at 27 Picton Street, Bristol BS6 5PZ, United Kingdom.