Terms of Use

1. General

Owedly is a free informational website operated by NexoraOS Ltd. By using this website, you agree to these terms. If you do not agree, please do not use the site.

2. Not Legal Advice

The content on Owedly is provided for general informational purposes only. It does not constitute legal, financial, or professional advice. While we strive to keep information accurate and up to date, we make no warranties about the completeness, reliability, or accuracy of this information.

For specific legal advice about your situation, please consult a qualified solicitor, Citizens Advice, or the relevant ombudsman service.

3. Letter Templates

Our letter templates are provided as starting points for your own correspondence. You are responsible for customising them to your specific situation and ensuring the information you include is accurate. We accept no liability for the outcome of any claim made using our templates.

4. Eligibility Checker

Our eligibility checker provides general guidance based on the information you enter. It is not a guarantee of eligibility or outcome. Individual circumstances vary, and the final decision on any claim rests with the relevant organisation.

5. External Links

Owedly contains links to external websites. We are not responsible for the content, availability, or accuracy of these external sites. Links are provided for convenience and do not imply endorsement.

6. Limitation of Liability

To the fullest extent permitted by law, NexoraOS Ltd shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on its content.

7. Intellectual Property

All content on Owedly, including text, design, and code, is the property of NexoraOS Ltd. You may not reproduce, distribute, or modify this content without our written permission, except for personal use of our letter templates for their intended purpose.

8. Changes

We may update these terms at any time. Continued use of the website after changes constitutes acceptance of the updated terms.

9. Governing Law

These terms are governed by the laws of England and Wales.