FAQs Privacy
Free & Independent
Free UK Financial Triage Tool

Understand your debt before anyone sells you a solution.

A free, independent tool to help UK households gain financial clarity and identify safe next steps. No sales. No pressure. No fees. Ever.

1
Answer 8 simple questions
2
See your pressure level
3
Get free support options

Before you start

This tool collects only anonymous, banded responses — no names and no exact figures. Your data is never sold. You may use the tool entirely anonymously.

Educational only. For regulated advice contact a free FCA-authorised charity.

Common Questions

Everything you need to know before you start.

Question 1 of 80%
If you feel overwhelmed or unsafe right now, please reach out to someone who can help immediately:
• StepChange: 0800 138 1111 (free debt support)
• Samaritans: 116 123 (free, any time, any reason)
Important: This tool provides general educational information only and does not constitute regulated debt advice under the Financial Services and Markets Act 2000. For formal advice, please contact an FCA-regulated adviser or a free debt charity. Debt Clarity Check UK is not an FCA-authorised firm.

Data & Privacy: We collect only anonymous banded responses (income band, debt band, surplus band, risk outcome). No names, addresses, or exact financial figures are stored. We do not sell data. Operated in accordance with UK GDPR and the Data Protection Act 2018. Full Privacy Policy →
Privacy Policy

Last updated: March 2026

Who we are

Debt Clarity Check UK is operated by Robert Dorman (sole trader), London, UK. We are the data controller for all information processed through this tool.

Contact: enquiries@debtclaritycheck.co.uk

What data we collect

This tool is designed with privacy by default. We collect only the following anonymous, banded responses when you complete the assessment:

  • Income band (e.g. "£1,000–£1,500/month" — not your exact income)
  • Total unsecured debt band (e.g. "£5,000–£15,000" — not your exact debt)
  • Monthly surplus band
  • Priority debt flag (yes/no)
  • Enforcement action flag (yes/no)
  • Asset flag (yes/no)
  • Employment situation type
  • Risk outcome band (Green / Amber / Red)
  • Submission date

We do not collect your name, address, date of birth, exact income, exact debt figures, or any contact details unless you choose to email us directly.

Why we collect it

Anonymous, aggregated data helps us understand how financially vulnerable UK households are affected over time. We use this to publish public impact reports and improve the tool. We never use it to identify individuals.

How we use the data

  • To generate anonymous impact statistics (e.g. "X% of users were in the Red band this quarter")
  • To improve the tool's scoring logic and guidance
  • To report to funders and partners on aggregate, anonymised outcomes

We do not sell data, share individual responses with third parties, or use data for targeted advertising.

Data storage and retention

Anonymous responses are stored securely via Netlify's form service, hosted within the EU/UK. We retain aggregated data for up to 3 years for longitudinal impact reporting. Individual form submissions are reviewed quarterly and deleted once aggregated.

Cookies

This site uses no tracking cookies or third-party advertising cookies. We use only a minimal cookie to remember your consent preference on this device. No cross-site tracking occurs.

Your rights

Under UK GDPR you have the right to access, correct, or request deletion of any data we hold about you. Because our data is collected anonymously, it is not possible to identify and retrieve a specific individual's submission — this is by design and provides the strongest privacy protection.

For any privacy concerns, contact: enquiries@debtclaritycheck.co.uk

Regulatory status

Debt Clarity Check UK is not an FCA-authorised firm. This tool provides general educational information only and does not constitute regulated debt advice under the Financial Services and Markets Act 2000.