Privacy Policy

Introduction 

Reclaim My Finance (“we,” “our,” or “us”) is committed to safeguarding the privacy and personal data of all individuals who interact with our services or visit our website (https://reclaimmyfinance.co.uk/). We understand the importance of privacy and are dedicated to transparency regarding how we collect, use, and protect your data. This Privacy Policy provides a detailed explanation of our practises to ensure compliance with relevant data protection regulations, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Information We Collect 

In order to provide you with the highest level of service and to fulfil the purposes outlined in this Privacy Policy, we may collect and process a variety of personal data. The types of data we collect may include, but are not limited to:

1. Personal Information This includes identifying details such as your full name, email address, phone number, and other contact information that you voluntarily provide through our website forms, registration processes, or direct communication. We may also collect data through social media interactions, customer surveys, or other communication channels. We use this data to maintain accurate records and to ensure we can effectively communicate with you.

2. Financial Information We may collect specific details relating to your car finance agreements, including the terms, amounts, payments, and any potential claims you wish to make. This data is necessary for us to assess your eligibility for compensation and manage the claims process effectively.

3. Technical Data As part of our commitment to improving your user experience, we collect certain technical information automatically through cookies and similar technologies when you interact with our website. This can include data such as your IP address, browser type, operating system, and device information. Such data helps us monitor website performance, diagnose issues, and personalise content based on your preferences.

4. Communication Data We may retain records of all communications you have with us, whether via email, online forms, or phone calls. This data enables us to track your enquiries, process your claims, and provide you with timely updates and responses to your requests. It also helps us improve the quality of our customer service.

We are committed to handling all personal data in accordance with applicable data protection laws and ensuring its use is limited to the purposes for which it was collected.

How We Use Your Information 

The personal data we collect from you is used for various essential purposes to provide the best possible service and ensure compliance with legal requirements. The main uses of your data include:

1. Eligibility Assessment We use the information you provide to assess whether you are eligible to make a claim for compensation in relation to mis-sold car finance agreements. This evaluation process allows us to determine the strength of your claim and guide you accordingly through the claims process.

2. Service Provision Your data is essential for the effective management and delivery of our services. This includes processing your claim, managing correspondence, sending regular updates, and responding to any enquiries or requests you may have. We may also use your data to communicate important service-related information.

3. Legal Compliance We process your data to ensure that we meet our legal obligations under relevant laws and industry regulations, including data protection laws. This may involve the retention of data for legally required periods or the sharing of data with regulatory bodies where applicable.

4. Business Improvement To improve our services and enhance the user experience on our website, we may analyse collected data. This helps us optimise the functionality of the website, identify areas of improvement, and adjust our offerings based on your needs and feedback.

5. Marketing Communications With your explicit consent, we may use your contact details to send you promotional materials, offers, and updates about our services. You can provide consent by opting in when subscribing to our newsletter or receiving offers. You can withdraw your consent and opt-out of receiving such communications at any time by following the unsubscribe instructions included in any marketing emails or contacting us directly.

Legal Basis for Processing 

Our processing of personal data is grounded in specific legal bases to ensure transparency and compliance with data protection laws:

1. Consent When you voluntarily provide your personal data, such as through online forms or by subscribing to our services, you are providing your consent for us to process it. This is applicable particularly for marketing communications and other optional activities.

2. Contractual Necessity We may process your data to fulfil our contractual obligations to you, which include processing claims and providing the services you have requested.

3. Legitimate Interests In some cases, we process data based on our legitimate business interests, such as preventing fraud, ensuring the smooth operation of our services, and maintaining the functionality of our website. We balance these interests against your rights and freedoms to ensure fairness.

4. Legal Obligation We may also process personal data where required to comply with legal obligations, including those set out by regulatory authorities or laws governing the processing of personal data.

Data Protection Impact Assessments (DPIAs)

If we engage in processing activities that may have a high risk to your privacy rights, such as large-scale processing of sensitive data, we will conduct a Data Protection Impact Assessment (DPIA) to evaluate and mitigate any risks associated with such processing.

Sharing Your Information 

We may share your personal data with trusted third parties in the following circumstances:

1. Service Providers We may disclose your data to third-party service providers such as payment processors, IT support services, or other partners who assist us in processing claims, providing customer support, or delivering other related services. These providers are contractually obligated to protect your personal data and use it only for the purposes specified.

2. Regulatory Authorities If required by law or regulation, we may share your data with relevant regulatory authorities, such as financial regulators or law enforcement agencies, to comply with our legal obligations.

3. Analytical and Marketing Tools We use third-party analytical tools, such as Google Analytics, to monitor website performance, track user behaviour, and improve user experience. These tools may collect and process data, but we ensure they comply with data protection standards.

We ensure that any third parties we engage are bound by appropriate contractual agreements to safeguard your data and comply with privacy regulations.

Cookies and Tracking Technologies 

To enhance your experience on our website, we use cookies and other similar tracking technologies. These technologies allow us to:

1. Optimise Website Functionality Improve the usability and performance of our website to provide a seamless experience.

2. Analyse Visitor Behaviour Gather insights into how visitors interact with the site, which helps us identify areas for improvement.

3. Tailor Content and Services Provide personalised content and service offerings based on your preferences and browsing behaviour.

You can manage or disable cookies through your browser settings. By continuing to use our website, you consent to our use of cookies. For more detailed information on how we use cookies, please refer to our Cookie Policy. You will be asked to provide consent for non-essential cookies via a cookie consent banner upon your first visit.

Your Data Protection Rights 

As per the UK General Data Protection Regulation (GDPR), you have certain rights concerning your personal data:

1. Access You have the right to request a copy of the personal data we hold about you, free of charge, within a reasonable timeframe.

2. Correction You can request corrections to any inaccurate or incomplete personal data we hold about you.

3. Erasure In certain circumstances, you can request the deletion of your personal data. However, this may be subject to legal obligations that require us to retain certain data.

4. Restriction You have the right to request restrictions on the processing of your personal data in certain situations, such as when you contest the accuracy of your data.

5. Objection You can object to the processing of your personal data for specific purposes, including direct marketing. If you object to direct marketing, we will no longer process your data for such purposes. You also have the right to object to any other processing of your personal data, provided it is not based on a legal obligation or contractual necessity.

6. Data Portability You may request that your personal data be transferred to another organisation in a structured, commonly used, and machine-readable format.

Data Retention 

We retain your personal data for no longer than necessary to fulfil the purposes outlined in this Privacy Policy or as required by law. The retention period may vary depending on the type of data and its specific processing purpose. After the retention period has expired, we securely delete or anonymise your data.

Data Security 

We take the security of your personal data seriously and implement robust technical and organisational measures to protect it from unauthorised access, alteration, disclosure, or destruction. However, please be aware that while we strive to ensure the highest security standards, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute protection against breaches.

International Data Transfers 

If your personal data is transferred outside the UK for processing, we will ensure that appropriate safeguards are in place to protect your data. This may include the use of Standard Contractual Clauses (SCCs) or other legal mechanisms such as Binding Corporate Rules (BCRs) to ensure compliance with UK data protection laws. We will inform you of these safeguards if applicable.

Third-Party Links 

Our website may contain links to external websites or services that are not operated or controlled by us. Please note that we are not responsible for the privacy practises or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites before sharing your personal information with them.

Changes to This Policy 

We may update this Privacy Policy from time to time to reflect changes in our practises, legal requirements, or other factors. All updates will be published on this page with a revised “Last Updated” date. We encourage you to review this policy periodically to stay informed about how we are protecting your personal data.

Contact Information 

If you have any questions, concerns, or requests regarding this Privacy Policy or how your personal data is handled, including requests for access, correction, or deletion of your data, please contact us using the details below:

• Email: support@reclaimmyfinance.co.uk

• Phone: +447578252149

• Address: Brulimar House, Jubilee Road, Middleton, Manchester M24 2LX

Complaints 

If you are dissatisfied with how we have handled your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO). Visit https://ico.org.uk/ for more information.

This Privacy Policy was last updated on 1.01.2025