Is DebtRiot regulated financial advice?

No. DebtRiot is an information and planning tool. It runs mathematical simulations based on the numbers entered — it does not provide financial, legal, or tax advice and is not authorised or regulated by the Financial Conduct Authority.

What debt types does the engine support?

Credit cards, overdrafts, personal loans, car finance, store cards, and any other debt with a fixed balance and interest rate. Overdrafts use EAR. All other debt types use APR. 0% promotional rates with expiry dates are also supported.

For coaches: is client data stored anywhere?

No. All debt figures, strategy choices, and repayment calculations remain in the browser for the duration of the session. Nothing is transmitted to DebtRiot servers.

For coaches: what does the platform include?

Session mode for running live client sessions, presentation view, branded PDF export, what-if scenarios, progress tracking, and a coach directory listing.

For organisations: what data does DebtRiot collect from our tenants or employees?

Nothing that identifies an individual. No name, no email, no financial data, no IP address. The only data collected is anonymous aggregate counts — how many sessions were started, how many plans were completed, which strategies were selected.

For organisations: do we need to sign a DPA before deploying?

Yes. A UK GDPR Article 28 Data Processing Agreement is included as standard with every subscription and pilot. It is provided before deployment and a countersigned copy is retained by both parties.

For organisations: how long does it take to get started?

For a pilot, typically 48 hours from request to your branded link being live. No IT integration is required.

For organisations: what happens at the end of the pilot?

The pilot does not auto-renew. At the end of the three-month period, access stops unless you choose to continue with a paid subscription. All data associated with your organisation is deleted on request, confirmed in writing within five business days.

Frequently Asked Questions

No. DebtRiot is an information and planning tool. It runs mathematical simulations based on the numbers entered — it does not provide financial, legal, or tax advice and is not authorised or regulated by the Financial Conduct Authority. Users should seek independent regulated debt advice where appropriate.
Credit cards, overdrafts, personal loans, car finance, store cards, and any other debt with a fixed balance and interest rate. Overdrafts use EAR (Effective Annual Rate). All other debt types use APR. 0% promotional rates with expiry dates are also supported.
No. All debt figures, strategy choices, and repayment calculations remain in the browser for the duration of the session. Nothing is transmitted to DebtRiot servers. Plans are saved and reloaded as files on your own device, not on our servers.
Session mode for running live client sessions, presentation view, PDF and spreadsheet export, what-if scenarios, and follow-up progress tracking. All plans are generated locally, on your own device. No client data is ever processed by DebtRiot.
Nothing that identifies an individual. No name, no email, no financial data. The only data retained is anonymous aggregate counts - how many sessions were started, how many plans were completed, which strategies were selected. None of it can be used to identify anyone.
One exception, stated plainly: a user's IP address is processed transiently for rate limiting, held for up to 15 minutes, never written to a log, and never linked to their usage. It is not retained and your organisation never sees it.
Yes. A UK GDPR Article 28 Data Processing Agreement is included as standard with every Discovery period and every licence. It is provided before deployment and a countersigned copy is retained by both parties.
Typically 48 hours from signed contract to your link being live, at app.debtriot.co.uk/yourorganisation. No IT integration is required. We set up the deployment, the admin dashboard and the DPA, and provide onboarding support.
Discovery does not auto-renew. At the end of the three-month period, access stops unless you choose to continue under an annual licence. All data associated with your organisation is deleted on request, confirmed in writing within five business days.

Frequently Asked Questions

Is DebtRiot regulated financial advice?

What debt types does the engine support?

For professionals: is client data stored anywhere?

For professionals: what does the platform include?

For organisations: what data does DebtRiot collect from our tenants or employees?

For organisations: do we need to sign a DPA before deploying?

For organisations: how long does it take to get started?

For organisations: what happens at the end of Discovery?

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