We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
StepChange colleagues

Our terms of use

By using our website you agree to the terms and conditions listed below. If you do not agree to these terms, you must not use our site.

You recognise the content of our website privacy notice and all other notices relating to our service.


The main aim of our website is to provide you with information and advice to help you with your money. We always aim to ensure our content is accurate and we may amend and update our website to reflect changes to our business and our user's needs.  When you wish to use our website, please check to ensure you know the terms that apply at that time.

But, it is important to note that the content of our website is not an official reference for the law or the subjects we cover.  It should not be used for that purpose.


We are not liable for any losses caused by:

  • Any decisions made on the basis of information on our website; or
  • Any actions taken on the basis of information on our website

We provide recommendations based on your personal circumstances through our online debt advice tool.

We do not guarantee that our website will be secure or free from bugs or viruses.  You are responsible for your own computer and/or other device used to access our website. You should use your own virus protection software.


When you get online debt advice from us you authorise us to accept your instructions and to act on any instructions you give us.

You acknowledge that we base our advice on the information you have shared with us which we will assume is correct and up to date.


It is our aim to make our online services available at all times. Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted and we are not liable if you cannot access them because:

  • We are carrying out maintenance;
  • We are upgrading our systems; or
  • A third party we work with is upgrading their systems.

Our website is directed to people living and working in England, Wales and Scotland.

Changing or ending our services

We reserve the right to:

  • Change the services we provide from time to time; and
  • Remove or suspend the website and services if we decide to for business or operational reasons.

Further important information

You can find further important information about us, our services, how we use your personal information and your use of this website by clicking on the following links: