Terms and Conditions

The terms and conditions set out below detail how thestepchange.com can be used. If the thestepchange.com website hereinafter referred to as 'the website' is used, you are agreeing to be bound by these terms and conditions. If you do not accept any of the terms and conditions stated below, you should not use the website. By using the website, you undertake that you are aged 18 years or older.

Thestepchange.com is an online information source for debt solutions. thestepchange.com provides a debt solution search service.

Alterations to these terms and conditions can be made on occasion and once published, these alterations will become immediately effective.

We work with companies licensed by the Financial Conduct Authority under the Consumer Credit Act 1974, for the categories of Credit brokerage and Provision of debt-counselling.

We will pass your details onto a chosen licensed and regulated company. Once they have received your details, they will contact you to discuss your options at a time convenient to you. You are under no obligations whatsoever to proceed with their advice.

Thestepchange.com makes no guarantees and is not responsible for:

Any financial information featured on the website or accessed via a link from the website is not considered to be financial advice from thestepchange.com.

Thestepchange.com is not authorised by the Financial Conduct Authority (FCA) regarding financial products and should not be regarded as a financial advisor.

Any issues that may arise from contact or communication with third parties accessed from the website are not the responsibility of thestepchange.com .

Any entry into a third party's terms and conditions are wholly separate to the terms and conditions undertaken when using thestepchange.com. We recommend when entering into a third party's terms and conditions, independent advice is sought.

Intellectual Property

The copyright and intellectual property (IP) rights of all of the material published on the website; website design; corporate identity; text and graphics; and all software compilations, source code and software belong to thestepchange.com . All rights are reserved.

Permission must be secured prior to the reproduction or redistribution of material from the website. Single printouts can be made for personal, non-commercial use. Adaptations or alterations to content from the website in addition to unauthorised links are also not permitted. Information from the website must not be used for illegal or immoral purposes.

Liability Obligations

Thestepchange.com does all it can to ensure data on the website is accurate and uses it's best endeavours to immediately correct any inaccuracies as soon as the company is made aware of them. To the extent allowed by law, thestepchange.com is not responsible for inaccuracies published on the website.

Thestepchange.com does not validate, monitor or endorse any third party information submitted to the website and as such, this information could be inaccurate.

Thestepchange.com does not validate, monitor or endorse the data or quotations collected from third parties as presented to you on the search results page.

Thestepchange.com is not responsible for any harmful effect on technology that may result from using the website nor does thestepchange.com give any warranty that the website is free from viruses.

In addition, thestepchange.com is excluded from liability should any losses or claims occur as a result of your inability to access the website, or from any use of the website or reliance on data published on the website to the extent permitted by law.

Nothing stated within these terms and conditions excludes or limits our liability for fraud or excludes or limits our liability under the FSMA (Financial Services and Markets Act 2000).

Termination of Agreement

Should any of the terms and conditions stated be breached, thestepchange.com has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website. All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.

All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.

Thestepchange.com is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war and acts of God.


Use of the website and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts.

What people say about us

We’ve helped thousands of people take control of their finances

“Experts who really know their stuff”

"I would like to thank The Step Change for everything. I am now able to continue with my life without the worry and fear that I had everyday in the back of my head! I am so pleased that I came across this website and I would personally like to thank Helen who helped me manage this when I thought there was no where to turn!"
Mr Peters on Feb 2019.

“Thank you so much!”

"I was struggling so much to keep up with my repayments! Everything was getting on top of me and it was even putting a huge strain on my relationship! I am now in total control thanks to you. My husband and I are so much happier now in our relationship too! Thank you from the bottom of my heart!"
Miss Field on March 2019.

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