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Terms and conditions
Introduction and definitions

The services offered by Provider through the Website include any features, content, or applications offered or made available from time to time by Provider and/or its licensors in connection with the Website (collectively, the "Services"). The Services may be hosted inside or outside of the United Kingdom..

The Website
iva.co.uk will provide generic information to assist you in your search for a service provider or in considering a product category. Where information is available to us we may advise some generic details. This information is provided for assistance only and is not intended to be construed as advice nor is such information a personalised representation directed at your specific needs or circumstances.
If you tell us what you are interested in then iva.co.uk will try to introduce you to a third party firm who we think will be able to help you. That is our aim and that introduction will only be at your request. We will try to make that introduction a general match to your request. That introduction is made in good faith. iva.co.uk does not and can not provide any guarantee or warranty that the third party firm we introduce you to will be able to meet your unique needs or your exacting standards.iva.co.uk may validate some of the data you give us to check that an address or telephone number conform to the normal format for such data. This is to avoid contact failures due to simple typos. iva.co.uk may vet that the service or product you are interested in is one offered by the arranger we introduce you to.
iva.co.uk may validate some of the data you give us to check that an address or telephone number conform to the normal format for such data. This is to avoid contact failures due to simple typos. iva.co.uk may vet that the service or product you are interested in is one offered by the arranger we introduce you to.
If iva.co.uk say something on our web site about an arranger or the panel of arrangers then iva.co.uk will have taken basic steps to check those details as far as possible. Checks are only taken at certain times and iva.co.uk provides no guarantee that an arranger will not make changes to their business format.

iva.co.uk will advise you of the arranger who will be making contact with you.
Third party websites with links from the Website have not been verified or reviewed by iva.co.uk and use and access of such third party websites is made at your own risk.

You acknowledge and agree that iva.co.uk do not act in any way as your agent or as the agent for any of the third party companies and services featured on the Website. iva.co.uk does not commit you to using any third party service represented on the Website and any third party service you use or any product or service you purchase from a third party you do so at your own discretion and based on your own judgment. iva.co.uk may send you emails about the service you have shown interest in on the Website and other financial services handled by or through iva.co.uk. Once iva.co.uk has matched and transmitted your request for contact iva.co.uk is no longer under any obligation to you. If at any time you wish to unsubscribe to any emails advising of other products handled by iva.co.uk then you can contact us by using the unsubscribe link on the email or the contact details on our web site.

All email communications sent by iva.co.uk and attachments thereto are intended only for the addressee and/or others authorised to receive them.
iva.co.uk makes no warranties nor can it assume any responsibility for:
the quality of service offered by any third party featured on the Website
the content of any third party website that links from the Website.
Where iva.co.uk displays information on the Website that information will have been obtained and displayed in good faith. Whilst iva.co.uk uses reasonable efforts to obtain information from reliable sources such information is intended as generic information only. If you wish to rely on certain information as being applicable to your unique needs then you must take this up with the arranger you are introduced to.

About Us
iva.co.uk ("the Website") is an online financial introduction service

The Website also offers a generic information service whereby iva.co.uk collect and source data from third parties and provide this information to You either as received by us or as a reasonable likeness of the original data which is easier to read or presented as statistical data.
These terms and conditions ("Terms") apply to all and any use of the Website.
By using the Website you undertake that you are over 18 years of age.
By using the Website you agree to be bound by these Terms.
If you do not accept these Terms you should not use the Website.
iva.co.uk may make alterations to these terms and conditions from time to time and these variations shall become effective immediately upon being accessible from here.
By using the Website you undertake that you have the necessary hardware, software and capability required for email and web usage with all and necessary adequate protections in place.

Acceptance
This Agreement sets forth the legally binding terms for your use of the Services. By using the Services, and in consideration of Provider providing the Services to you, you agree to be bound by this Agreement, whether you are a "Visitor" (which means that you have not registered with the Website) or you are a "Member" (which means that you have registered with the Website). The term "User" refers to a Visitor or a Member. You are only authorized to use the Services (regardless of whether your access or use is intended) if you agree to abide by all applicable laws and to this Agreement. Please read this Agreement carefully and save it. If you do not agree with it, you should leave the Website and discontinue use of the Services immediately. If you wish to become a Member, and make use of the Services available only to Members, you must read this Agreement and indicate your acceptance during the Registration process

Use of Your information and Privacy Policy
Any information You provide us with or which We retrieve about you will be handled as per our privacy policy.
By using this website you agree to the iva.co.uk Privacy Policy which can be found here.
The Web site will contain information on themed and related subjects. By submitting or inputting your details on the Web site you agree that You are interested in those subjects and would like to be contacted about those subjects.
By submitting your details on the Website, Your details will automatically be transferred to a third party company. In submitting Your details You agree that You are giving an active invitation as required by the Privacy and Electronic Communications (EC Directive) Regulations 2003 to receive a call from a third party company.

By submitting your details, you give iva.co.uk (or a company on behalf of iva.co.uk) authority to contact you using your contact details with regards to other products and services provided by or through iva.co.uk.
If you provide personal or sensitive data about any other person then you agree that you will obtain all necessary authorisations form them to provide such data.
You agree that iva.co.uk may use another third party to transmit your details to an arranger.


Financial Information
iva.co.uk is engaged in the provision of introduction to financial services in relation to debt solutions. iva.co.uk's aim is to provide generic information which may be of assistance to those seeking debt services. iva.co.uk will then use information provided by you to introduce you to an arranger who deals in the service you have shown interest in. iva.co.uk carries out this service using information provided to it by others. iva.co.uk will not charge you for this service and any match between your needs and the services offered by an arranger is done in good faith.
No financial information featured on the Website or accessed by you as a result of a link displayed on the Website is intended or considered to be financial advice offered by iva.co.uk.
iva.co.uk advises that when looking at any financial product or service you read the terms of that product carefully and if you are in any doubt as to its meaning or effect that you seek qualified independent financial advice.
iva.co.uk cannot accept any responsibility for any issues arising as a result of your communication or contract with any third party present on the Website. Many third party service providers will request that you are subject to their terms and conditions. Those terms are entirely separate to these iva.co.uk Terms. Before you enter into any agreement with a third party we recommend that you read their terms very carefully and seek independent advice where necessary.
iva.co.uk may receive commission or fees as a result of your use of the services of third party providers featured on the Website. We do not charge you for the services that we offer. These commissions or fees do not indicate an agency relationship between iva.co.uk and third party financial product or service providers nor any involvement in any contract that you form with that third party provider.
To the extent permitted by law iva.co.uk exclude liability for any inaccuracies present on the Website.

Intellectual Property Rights, Copyright and Trade Marks
You may download and use the Website for your private, non-commercial, personal use only, provided that you retain all copyright notices and other proprietary notices contained on the Website. You may not sub licence or deal in this right without iva.co.uk's prior written permission.
All copyright, design rights, database right, patents, and any rights to inventions, know-how, trade and business names, trade secrets and trade marks (whether registered or unregistered) and any applications therefor ("Intellectual Property Rights") in the Website belong to and vest in iva.co.uk, or are licensed to iva.co.uk unless otherwise specified. All such rights of iva.co.uk are hereby asserted and reserved.
No person other than the rightful owner or licensee of such Intellectual Property Rights may:
hack, attempt to hack, distribute, modify, transmit, re-use, re-post, or use any or all of the Website or the information contained therein for any purpose other than as set out above nor for public or commercial purposes without iva.co.uk's or the relevant licensee's prior written permission;
provide hypertext links, URL Links, graphic links, hyperlinks or other direct connection for profit or gain to the Website without iva.co.uk's prior written permission;
display, publish, copy, print, post or otherwise use the Website and the information contained therein for the benefit of any other website without iva.co.uk's or the relevant licensee's prior written permission;
process or otherwise use the information contained on or within the Website for any illegal or immoral purpose nor use or process the same unfairly.

Choice of law and Jurisdiction
This Agreement shall be governed by and interpreted in accordance with English law and you irrevocably agree that the courts of England and Wales shall (subject to the paragraph below) have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with the Agreement. Nothing in this clause limits the right of Provider to bring proceedings against you arising out of or in connection with the Agreement (a) in any other court of competent jurisdiction or (b) concurrently in more than one court of competent jurisdiction

Indemnity
You agree to indemnify and hold Provider, its subsidiaries, and affiliates, and their respective officers, agents, partners and employees, harmless from any loss, liability, demand, claim or legal proceedings brought or threatened, including expenses of any character suffered or incurred arising out of your use of the Website or the Services in violation of this Agreement, and/or arising from your use of or conduct on the Website or in use of the Services and/or a breach of this Agreement.

Liability
iva.co.uk provides and maintains the Website to help you search for a service provider who provides a certain category of service. iva.co.uk also provides information relevant to products related to that service. iva.co.uk sources its information from third parties and shall be liable only to provide its services with reasonable skill and care and gives no other warranty in connection with the Website.
Subject as aforesaid, to the maximum extent permitted by law, iva.co.uk excludes liability for any loss or damage of any kind howsoever arising, including without limitation any direct, indirect, punitive or consequential loss whether or not such arises out of any problem you notify to iva.co.uk and iva.co.uk shall have no liability to pay any money by way of compensation, including without limitation all liability in relation to:
any incorrect or inaccurate information on the Website to the extent that such information has been displayed generally as provided to iva.co.uk or is an approximation or statistical representation of information provided to iva.co.uk.
all interruptions to or delays in updating the service or carrying out the service;
the infringement by any person of any Intellectual Property Rights of any third party caused by their use of the Website;
any amount or kind of loss or damage due to viruses or other malicious software that may infect a user's computer equipment, software, data or other property caused by persons accessing, using or downloading the Website, or from transmissions via emails or attachments received from iva.co.uk or its licensees;
the availability, quality, content or nature of the other sites on the internet that are owned and operated by third parties ("External Sites") to which the Website link and web site located on or through any External Site nor for any transactions involving External Sites (including as to 'cookies', personal data, confidential information, or purchases of domain names or other services). You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links, web site or transactions;
all representations, warranties, conditions and other terms which but for this notice would have effect.
These terms above shall not limit any rights you might have as a consumer that may not be excluded under applicable law nor shall it exclude or limit iva.co.uk's liability for death or personal injury resulting from its negligence nor any fraudulent representation.
iva.co.uk have used all reasonable efforts to ensure that all information provided by it is accurate and accords with current standards however it cannot account for the accuracy of information provided to it by others or posted by users of the Website.
However it is agreed, acknowledged and understood that:
The Website and all the services contained within are is provided for information only and are not intended to replace appropriate financial advice where required;
Financial advice and the financial markets are constantly evolving and iva.co.uk cannot guarantee that all of the information is completely accurate;

Termination
Termination shall be without prejudice to the accrued rights of either party.
iva.co.uk will not be liable in any amount for failure to perform any obligation under this agreement if such failure is caused by the occurrence of any unforeseen contingency beyond the reasonable control of such party including without limitation Internet outages, communications outages, fire, flood, war or act of God.

General
Except as provided above there are no other warranties, conditions or other terms, express or implied, statutory or otherwise, and all such terms are hereby excluded to the maximum extent permitted by law (but subject to your statutory and common law consumer rights).
All questions, comments or enquiries should be directed by contacting us.
iva.co.uk acts as principal on its own account and not as agent for you or any other person.
If iva.co.uk does not enforce any provision of this agreement such will not be considered a waiver of any provision or right.
In the event that any part of these terms and conditions is held to be unenforceable, such part will at iva.co.uk's option be construed as far as possible to reflect the parties' intentions and the remainder of the provisions will remain in full force and effect.
These terms and conditions constitute the entire agreement between you and iva.co.uk and shall apply to the exclusion of all other terms or conditions of contract which you may purport to propose.
Use of iva.co.uk 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, licences 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.
It is hereby asserted that the Website is intended for and directed at the UK and no representation or warranty is made as to whether the Website complies with the regulatory regime and local laws of any other countries.

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Reviews for IVA.co.uk
IVA.co.uk is rated 4.9 on a scale of 5 based on on reviewcentre.com.
Latest review:
So Glad We Did It - by , 19/09/2012
5/ 5stars
I have to admit to being less than keen to investigate the idea of an IVA as we had already gone down the route of a DMP with another company but this hadn't worked out. Hubby pushed for an IVA and started the ball rolling, however once we had started the process i soon realised how beneficial this would be. Andy Davie at Vincent Bond was fantastic, he went through the whole process with us fully and explained everyhing thoroughly. We are now almost 2 years in and haven't looked back.

iva.co.uk does not charge you any fees for use of our forum or the IVA Calculator, however we do get paid by our sponsors and the partners we work with. Our partners charge fees and those vary depending on the partner and the debt solution. Customers should refer to our partners' websites for more information regarding their services.

If you use the IVA Calculator we will pass your details on to one of our partners who will contact you and explain all the options available to you. They will then be able to help you set up a debt solution which is right for you.

Before entering into any debt solution you should ensure that you have considered the implications. Failure to keep up with repayments can result in bankruptcy or legal action. Lenders are not obliged to accept less in settlement of a debt than they are entitled to or to freeze interest or charges. Not all solutions involve debt write off and some solutions may result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions affect credit ratings which record all financial activity for 6 years.

The debt solutions offered by our partners depend on your criteria and circumstances; including how much you owe and how many creditors you owe money to. You need to speak to a debt advisor to obtain a full assessment.