Low-cost Direct Debits for bank switching — with every payment helping charity.

1. Who we are

DebitKind is a trading name of Darren Lothian, operating as a sole trader in England and Wales. DebitKind is an independent commercial service. We are not a bank and we do not provide bank accounts, cards, regulated financial advice or a bank-switching incentive.

Email: [email protected]
Business/service address: 5 Bright Avenue, Harley Whitefort, Worcester, Worcestershire, WR4 0QR

2. What DebitKind provides

DebitKind provides low-cost recurring Direct Debit arrangements intended to help customers organise Direct Debit requirements that may form part of a bank-switching offer.

DebitKind is also developing a free Bank Switching Toolkit containing general bank-switching organisation and tracking resources. The Toolkit is currently marked as Coming Soon and is not yet available to download.

• Contributor: one £1 GBP monthly Direct Debit arranged through Stripe.
• Champion: two separate £1 GBP monthly Direct Debits, normally one through Stripe and one through GoCardless, for a total of £2 GBP per month when both collections succeed.
• Bank Switching Toolkit: a free digital resource containing general bank-switching organisation and tracking tools. No payment or subscription will be required to obtain the Toolkit when it becomes available.

3. Bank-switching responsibility

Bank-switching offers and qualifying criteria are set by individual banks and can change without notice.

DebitKind does not guarantee that a Direct Debit created through our service will satisfy any particular bank's requirements or that you will receive a switching reward.

You are responsible for checking the receiving bank's current terms before starting a switch and for confirming that the required Direct Debits appear active on the relevant account.

4. Eligibility

You must be at least 18 years old and have authority to use the bank account and payment details used with the service. You must provide accurate information to DebitKind and to our payment providers.

5. Contract formation and payment

Your contract for a Contributor or Champion subscription begins when you complete the relevant setup and the arrangement is accepted or confirmed by DebitKind or the applicable payment provider.

Subscription prices are stated in pounds sterling (GBP). No separate joining fee is charged unless clearly stated before setup.

Stripe and GoCardless are independent payment service providers used to process Direct Debit instructions and collections. Their own payment notices, privacy notices and terms may also apply to the payment process.

The Bank Switching Toolkit is a free resource. No payment is taken and no paid Toolkit contract is created.

6. Charitable giving

DebitKind's charitable giving is sales-linked giving by DebitKind and is facilitated through Work for Good. It is not a separate charitable donation made by the customer.

• Contributor: 10p is pledged from each successful £1 monthly payment.
• Champion: 10p is pledged from each successful £1 collection, normally 20p where both monthly collections succeed.

The free Bank Switching Toolkit does not involve a customer payment and therefore does not generate a separate Toolkit charity pledge.

Work for Good and payment-processing fees may be deducted from charitable payments before the charity receives the net amount.

Refunded, reversed, failed or charged-back subscription transactions are not treated as successful payments for pledge calculation unless DebitKind states otherwise.

7. Starting the service during the cooling-off period

Where a statutory 14-day cancellation right applies to a service contract, we may ask you to expressly request that the service starts during that period.

If you make that request and later cancel within the statutory period, the law may allow a proportionate charge for service already supplied. Your statutory rights are described more fully in the Cancellation & Refund Policy below.

8. Cancellation

Contributor and Champion are rolling monthly arrangements with no fixed minimum term. You can cancel at any time by emailing [email protected] .

You may also cancel a Direct Debit mandate with your bank.

To reduce the risk of another collection being submitted, contact us as early as possible before the next expected collection date. A collection already submitted into the banking system may still complete before a cancellation takes effect.

9. Free Bank Switching Toolkit

The DebitKind Bank Switching Toolkit is intended to be provided as free digital content. No payment or subscription is required to download it once it becomes available.

The Toolkit provides general information and organisational tools only. It does not provide personalised financial advice and does not guarantee that a particular bank switch, account application or switching incentive will be suitable, available or successful.

Always check the relevant bank's current terms before starting a switch.

Nothing in these terms affects any statutory consumer rights that apply by law.

10. Acceptable use

The DebitKind service and Bank Switching Toolkit are intended for personal use.

Unless we expressly give permission, you must not resell, republish, distribute or commercially exploit the Toolkit, or misuse DebitKind's website, payment links or systems.

11. Availability and changes

We may update the website, Toolkit, supported charities, service providers or operational processes where reasonably necessary.

We will not change the price of an existing recurring arrangement without giving appropriate advance notice and any rights required by law.

We may update or withdraw the free Toolkit where reasonably necessary.

12. Liability

Nothing in these terms excludes or limits liability where it would be unlawful to do so, or removes any statutory consumer right.

Subject to that, DebitKind is not responsible for losses caused by a bank changing or applying its switching criteria, a bank refusing or withdrawing an incentive, or events outside DebitKind's reasonable control.

We are responsible for losses that are a foreseeable result of our breach of these terms or failure to use reasonable care and skill.

13. Complaints and disputes

Please contact [email protected] first so we can investigate.

Our Complaints & Disputes Policy below explains the process.

Nothing in these terms prevents you from using statutory rights, the Direct Debit Guarantee where applicable, or rights available through your payment provider or bank.

14. Governing law

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

If you are a consumer resident elsewhere in the United Kingdom, you retain any mandatory protections available to you and may have the right to bring proceedings in the courts of the part of the UK where you live.

1. Cancelling Contributor or Champion

You can cancel a Contributor or Champion arrangement at any time with no cancellation fee.

Email [email protected] with the email address used for your setup and enough information for us to identify the arrangement.

You can also cancel the relevant Direct Debit mandate through your bank.

Because Direct Debit collections are submitted in advance, a payment already submitted before we receive or process your cancellation may still be collected.

If a payment is taken after a cancellation should reasonably have stopped it, contact us and we will investigate promptly.

2. Statutory 14-day cancellation right for services

UK consumer law normally gives consumers 14 days from entering into a distance service contract to cancel without giving a reason.

If you expressly ask us to begin providing the service during that period and then cancel before the period ends, a proportionate amount may be payable for service already supplied where permitted by law.

If the service is fully performed during the cancellation period after your express request and acknowledgement, the statutory right may end once full performance is completed where the law permits.

3. Free Bank Switching Toolkit

The Bank Switching Toolkit is free digital content and no payment is taken for access. There is therefore no Toolkit purchase payment to cancel or refund.

Nothing in this policy affects any statutory rights that may apply to the Toolkit by law.

4. Refunds

Refunds will be provided where required by law and may also be provided where we confirm:

• a duplicate subscription payment;
• an incorrect collection amount;
• an unauthorised DebitKind collection;
• a payment taken after cancellation should reasonably have stopped it; or
• another clear payment-processing error.

Where a refund is due, we will make it without undue delay and normally back to the original payment method. Statutory refund timescales will always take precedence.

5. Direct Debit Guarantee

Your rights under the Direct Debit Guarantee are unaffected.

If an error is made in the payment of a Direct Debit, the Guarantee may entitle you to seek a refund through your bank.