Terms & conditions

1. Background

We provide an information Service at www.therealdebtguy.com by way of paid membership to a Facebook group where the information is found. The Client pays for the service using the payment processes through PayPal. The Client uses the information as part of their research. The Service is completed as soon as the Client accesses the Facebook page.

2. Your Information and Privacy

To use this website and our services, we may ask you to provide details or information. It is a condition that all the information you give us is accurate and true and current.

Any information you give us is regulated by our Privacy Policy and you agree that any information you give will always be accurate, correct, and up to date. You must not impersonate someone else or provide account information or an email address other than your own.

You also agree to all actions we take concerning your information according to that Privacy Policy. Please read our Privacy Policy for more information on your personal data.

3. Cookies

Our website uses cookies; by using our website or agreeing to these Terms and Conditions, you consent to our use of cookies following the terms of our Privacy and Cookie Policy.

4. Using our Site or Facebook Group

To access or use our Site or Facebook Group, you must be 18 years of age or older.

Information provided on the Site and related to our displayed Services or their description or any other information is subject to change. The Real Debt Guy gives no guarantee that the information provided, regardless of its source, is accurate, complete, reliable, current, or error-free. The Real Debt Guy is not liable for any inaccuracy, error, or incompleteness in the Content of this Site or the Facebook Membership group page or pages.

5. Term

The term of this agreement is for the period that you use our Site or our Services. “Services” include our subscription service and our Facebook Group Page access)

If you pay for our information Service the term is until you have accessed the information page. Once you have accessed the page the agreement for Services is terminated. However, you must still abide by the terms of use for the site and Facebook Group Page.

6. Payment and Charges

You agree to pay all costs and charges related to the Services we provide for you set out on our website and to use the appropriate payment facilities and secure payment processes.

The Real Debt Guy offers the following plan which you may choose to give you access to the Facebook Group page.

The price may change from time to time and will be displayed on the Website:

7. Plans

Join Our Community

This is a recurring monthly plan which gives access to a “Members Only” Facebook group where members can ask questions related to subject matters on The Real Debt Guy website or any other similar platform, forum or group as implemented by The Real Debt Guy from time to time in the future.

This plan is a monthly subscription that automatically rolls over to the next month and you can cancel this subscription any time before the next monthly payment is due.

Yearly Plan

This is a yearly subscription plan which gives access to our “Members Only” Facebook group which automatically renews each year until it is cancelled. If you want to cancel your yearly plan you must notify us before the renewal date is due.

8. Lawful Purposes

You must use our Site and the Facebook Group you have access to for lawful purposes only. You must not post or transmit any material which violates or infringes the rights of others. Or which is threatening, abusive, racist, obscene or otherwise objectionable, encourages conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any law.

9. Information Disclaimer

In the interest of transparency and the flow of information, The Real Debt Guy provides an access to information and research services only and should be treated as such. Therefore, The Real Debt Guy is not a licensed or regulated financial professional, financial advisor, financial planner or debt advisor and does not give advice and is not required to register with a financial organisation or a financial supervisory body.

All information provided by The Real Debt Guy and used by you either verbally, on video conference or phone, or any information given by email or any other method of written communication or through our Website, social media, newsletters, podcasts, email or published videos on YouTube or other platforms does not constitute any form of advice, recommendation, representation, endorsement or arrangement by The Real Debt Guy and is not intended to be relied upon by you in making or refraining from making any specific investment, debt-related or other financial decision.

All information is provided only as an academic or journalistic opinion and The Real Debt Guy accepts no responsibility for reliance on such information. You are solely responsible and liable for any decisions or outcomes based on the information you have used provided by The Real Debt Guy.

Any investments, trades, speculations, or financial decisions made based on any information used, adapted or interpreted from The Real Debt Guy, whether expressed or implied, are used at your own financial risk. If we mention other companies, services or products on our website or materials, In some cases, we may recommend certain companies or services based on our opinion, but it is only part of the information we provide and is in no way an endorsement or affiliation, therefore, you should always carry out your own independent research on such companies, services or products before making any decisions.

10. Site refusal

We reserve the right to refuse any order for services, person, or entity, without having to give a reason for doing so. We may at any time change or discontinue any aspect or feature of the Site or Facebook Group Page, subject to us fulfilling our previous responsibilities.

11. Posting and Commenting

The following are conditions of use when using the Facebook Group page to which you may have access.

The Real Debt Guy may block and remove any member from using the Facebook group (or any other associated platform, forum or group set up by The Real Debt Guy from time to time in the future) if any member engages in posts that constitute or contain;

• Inflammatory content
• Sexist or racist remarks
• Bullying or harassment
• Posts that may induce religious hatred
• Any language or content which is intended to offend
• Deliberate misleading advice which may harm a member

The Real Debt Guy may temporarily suspend any member from using the Facebook group (or any other similar platform, forum or group set up by The Real Debt Guy from time to time in the future) if any member uses, encourages or is a party to any post which constitutes or contains;

• Spam
• Posting of promotional links, sales links or advertorial links that are not pre-approved
• Posts to links or video links that are not approved.

The Real Debt Guy has the right to approve all posts in any group or platform before publishing them. The Real Debt Guy will not refund any member for any charges already paid where that member has been blocked or suspended due to any negative online behaviour listed in this section.

12. Sharing information

It is strictly prohibited for you to share any personal data or information found or available on our website or Facebook Group page unless we have given our consent. For example, a share icon on our articles encourages you to share the article. Your membership will be cancelled immediately if you are found sharing any information or personal data which you do not have permission to share.. By sharing information without consent, you may also be breaching intellectual property rights and data protection laws.

13. Cancellation and Cooling Off Period

For your information, the law says that you may under certain circumstances cancel a Service you have ordered online or away from the service provider's business premises within 14 days after you have agreed to use such Services for any reason. This is sometimes known as the ‘Cooling-Off Period’. Please refer to The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 for further information.

However, our Service is to provide access to our information page, therefore, our paid Service is terminated when you access the information page. This means that once you have entered the information page you cannot get a refund. If you have not accessed the information page within the 14-day cooling-off period you still have the right to cancel your contract and get a refund.

If you want to cancel within the 14 days cooling-off period you must send an email telling us that you wish to withdraw from the agreement otherwise your cancellation will not be valid.

14. Subscription cancellation

Subject to clause 13 above, the following refund and cancellation terms apply:

You can cancel your Join Our Community membership on demand at any time before the next monthly payment is due. You will still have access to the plan inclusions until the date when your monthly subscription payment is due.

No refunds will be given for the retrospective use of previous months when the plan was active. Please note, that you must cancel your Rolling Monthly Plan before it renews for another month to avoid being charged the subscription payment for the next month.

Yearly Plan

You may cancel your Yearly Plan within 30 days before it renews for another year to avoid being charged the subscription payment for the following year.

15. Descriptions

We try to describe and display our Services as accurately as possible on our website. While we want to be as clear as possible, you should not accept that the Site is entirely accurate, current, or error-free. From time to time we may correct errors in pricing and descriptions.

16. Intellectual Property Rights

Our Site and Facebook Group Page contain intellectual property owned by The Real Debt Guy, but not limited to, trademarks, copyrights, proprietary information, and other intellectual property. You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works from, distribute, display, reproduce or perform, or in any way exploit in any format whatsoever any of the Site Content or intellectual property, in whole or in part, without our prior written consent.

17. Change of Terms

We may update any portion of our Site, including these Terms and Conditions, at any time. We will post the most recent versions at the bottom of this page.

18. Termination

You agree that we can terminate your use or access to this Site and the Facebook Group page at any time without notice if you violate any of these terms and Conditions.

This agreement can also be terminated at any time by mutual consent in writing.

19. Limitation of Liability

You agree that in no way will we be liable for direct, indirect, incidental, consequential or any other remedies as a result of using our Website or Services or to any other third parties. Additionally, The Real Debt Guy is not liable for damages or remedies for website failure, error, omission, attack by hackers or pirates, interruption, delay in operation or transmission of videos, computer virus, or system failure; third-party theft of, destruction of or unauthorised access or alteration or use of your information or personal data), whether we were negligent or not. We are not liable for any delay or failure to comply with our obligations connected with Services or this Site or the Facebook Group page if the delay or failure was beyond our reasonable control.

20. Third-Party Links

Our Site or Facebook Group Page may contain links to third-party websites and resources. You acknowledge and agree that we are not responsible or liable for the availability, accuracy, content, or policies of third-party websites or resources. Links to such websites or resources do not imply any endorsement by or affiliation with The Real Debt Guy.

You acknowledge sole responsibility for and assume all risk arising from your use of any such websites or resources.

21. Loss or damage

You agree to pay us for any losses, damage, settlements, liabilities, costs, charges, assessments, and expenses, as well as third party claims and causes of action, including, without limitation, lawyer’s fees, arising from any breach by you of any of these Terms and Conditions, or any use by you of the Site. You will not resolve any third-party claim or reject any defence without our previous written permission.

22. Climate Assurance

Both parties agree to, wherever possible, perform their obligations under this Agreement in a way that reduces or minimises the Carbon Footprint associated with any activities under this Agreement. For example, using digital forms and communication instead of paper forms or using non-plastic items.

Either party should use all reasonable efforts to make sure that any necessary third party, use such documents or plastic and perform such acts as may reasonably be required for reducing the Carbon footprint as a measure to protect the environment.

23. This Agreement

These Terms and Conditions including our Privacy and Cookie Policy and any attachments are the whole agreement between The Real Debt Guy and you.

24. Notices

All notices, requests, demands, and other communications must be in writing and sent by email to:

info@therealdebtguy.com

Company Name: MM Corp Limited t/a The Real Debt Guy

Company Number: 09564956

Address: 22 Westward Way, Harrow, England, HA3 0SE

25. Events or circumstances beyond our reasonable control

If we are prevented or delayed from fulfilling our obligations under these Terms by anything you or anyone acting on your behalf does or fails to do or due to events or circumstances beyond our reasonable control, our inability or delay in performing our obligations will not be in breach of this agreement. Examples of such events and circumstances, but not limited to, include fire, flood and other natural events, strikes, trade disputes, lockouts, riots, accidents, disruption to energy supplies, lockdowns, pandemics, and civil commotion, acts of terrorism or war.

26. Jurisdiction and Governing law

You agree that any dispute or claim arising out of this agreement or in connection with its subject matter or formation, including non-contractual disputes or claims, will be governed and interpreted according to the law of England and Wales in English. You also agree that English courts have exclusive jurisdiction except for negotiation and mediation resolution which may be used as an option before court action if both parties agree.