Terms & Conditions

1^st January, 2025

Welcome to Reclaim My Finance (“we,” “us,” or “our”). Reclaim My Finance operates as a trading name of Riteway Claims Limited, a company authorised and regulated by the Financial Conduct Authority (FCA) under Financial Registration Number (FRN) 941650.

By accessing or using our website and services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, you are required to discontinue use of our website and services immediately.

1. Definitions

i. In these Terms, the following definitions shall apply:

ii. “User” refers to any individual, corporate entity, or legal person who accesses or uses our website or engages with our services in any capacity.

iii. “Services” refer to the claims management services provided by us, including but not limited to assisting clients with reclaiming compensation for mis-sold financial products, pursuing claims related to complex investment scams, and addressing housing disrepair issues. The scope of services will be detailed in agreements or documentation specific to each client’s engagement.

iv. “Website” refers to our online platform accessible at www.reclaimmyfinance.co.uk, including all pages, content, features, and functionality therein.

v. “Agreement” refers to the legally binding contract formed between the User and Reclaim My Finance upon acceptance of these Terms.

vi. “Claims Management Services” refers to regulated activities performed under the supervision of the FCA, which may include advising, investigating, and representing clients in relation to their claims.

vii. “Personal Data” refers to information identifying or relating to an individual, as governed by the UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018.

viii. “Force Majeure” refers to events beyond our reasonable control that may affect the delivery of our services, including but not limited to natural disasters, government actions, or technical failures.

ix. “Confidential Information” refers to proprietary or sensitive information shared between the parties that is not intended for public disclosure, subject to exceptions as outlined in our Privacy Policy.

2. Eligibility and User Obligations

ge and Residency Requirements:

You must be at least 18 years old and a legal resident of the United Kingdom to access or use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

Accurate Information:

You agree to provide accurate, complete, and up-to-date information during your interactions with us, including but not limited to your contact details, financial information, and documentation necessary for processing claims. Failure to provide accurate information may result in delays, service limitations, or termination of your engagement with us.

Compliance with Laws:

You must use our website and services in full compliance with all applicable laws, regulations, and industry standards, including those governing consumer protection, financial services, and data privacy.

Prohibited Activities:

You agree not to engage in activities that:

i. Misrepresent your identity or eligibility to use our services.

ii. Interfere with or disrupt the functionality of our website or systems.

iii. Use our services for fraudulent, unlawful, or abusive purposes.

Cooperation and Documentation:

You acknowledge that the success of your claim may depend on your cooperation and timely submission of requested documentation. This includes, but is not limited to, providing evidence supporting your claim, responding to enquiries, and adhering to deadlines outlined in your agreement with us.

Acknowledgement of Risks and Limitations:

You understand and accept that while we strive to achieve the best possible outcomes, the success of your claim is not guaranteed and may depend on factors outside our control, such as the availability of evidence and third-party cooperation.

Communication:

You consent to receive communications from us electronically, including notices, updates, and other information related to your claim. It is your responsibility to ensure that your contact information remains current.

3. Services Offered

Scope of Services:

We provide professional claims management services to assist clients in reclaiming compensation for mis-sold financial products, complex investment scams, and housing disrepair issues. Our services may include:

i. Assessing the validity of claims.

ii. Advising on claim strategies and available remedies.

iii. Liaising with financial institutions, insurers, or other responsible parties on your behalf.

iv. Preparing and submitting claims documentation.

Regulatory Compliance:

All services provided are conducted in compliance with the rules and standards set by the Financial Conduct Authority (FCA).

Disclaimer:

While we aim to achieve the best possible outcomes for our clients, we do not guarantee the success of any claim, as results may depend on individual circumstances, the availability of evidence, and third-party cooperation.

4. Fees and Payment Terms

Fee Disclosure:

Any fees associated with our services will be communicated to you in a transparent manner before the commencement of services. This includes providing a clear breakdown of applicable charges, including success fees or administrative costs, as detailed in your agreement with us.

Payment Terms:

Payment terms, including due dates and accepted payment methods, will be specified in the agreement entered into before the commencement of services. You are responsible for adhering to these terms to ensure the continuity of our services.

Refund Policy:

Refunds, if applicable, will be processed in accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Refund eligibility and terms will be detailed in your agreement with us.

No Upfront Fees:

In compliance with FCA regulations, we do not charge upfront fees for regulated claims management activities. Any fees will only be payable upon the successful recovery of compensation or as otherwise agreed.

Dispute Resolution:

If you have concerns about fees or payments, please contact us promptly to address and resolve the issue amicably. Any unresolved disputes will be handled in accordance with the dispute resolution terms outlined in these Terms.

5. Intellectual Property Rights

All content on this website, including but not limited to text, images, logos, trademarks, graphics, and software (collectively, “Content”), is the intellectual property of Reclaim My Finance Ltd. or is licenced to us.

The Content is protected by intellectual property laws, including the Copyright, Designs, and Patents Act 1988 (UK), the Trade Marks Act 1994 (UK), and other relevant national and international laws.

You may not reproduce, distribute, modify, display, perform, or otherwise use any part of the Content for any commercial or non-commercial purpose without prior written consent from Reclaim My Finance Ltd. Any unauthorised use of the Content may result in legal action, including claims for damages, as permitted by law.

We reserve the right to modify or remove any Content at our discretion, ensuring compliance with applicable laws and our internal policies.

6. User-Generated Content

By submitting reviews, feedback, or any other content (collectively, “User Content”) to our website, you grant Reclaim My Finance Ltd. a non-exclusive, irrevocable, worldwide, royalty-free licence to use, modify, reproduce, display, publish, and distribute such User Content in any media now known or hereafter developed, including for promotional purposes.

You represent and warrant that you hold the necessary rights to submit the User Content and that it does not infringe on the intellectual property rights or violate the rights of any third parties. The User Content must not be defamatory, offencive, unlawful, or violate any applicable laws, including the Communications Act 2003 (UK) and the Defamation Act 2013 (UK).

We reserve the right to remove, without prior notice, any User Content that we believe, in our sole discretion, violates our policies, is unlawful, or may be deemed harmful or offencive. This includes but is not limited to content that violates the Consumer Protection from Unfair Trading Regulations 2008 (UK) or other relevant consumer protection laws.

While we encourage open expression, any User Content that violates our guidelines or legal requirements may result in suspension or termination of your access to our website and services.

7. Limitations of Liability

Reclaim My Finance Ltd. will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, or data, arising from your use of our website or services. This includes, but is not limited to, damages for business interruption or loss of information.

Our liability for direct damages, including those arising from breaches of contract or negligence, is strictly limited to the amount of fees paid by you for the specific service giving rise to the claim, subject to any maximum liability limits permitted by law.

Nothing in this clause excludes or limits our liability for death or personal injury caused by our negligence or fraud, as required by the Consumer Protection Act 1987 (UK) and the Unfair Contract Terms Act 1977 (UK). Additionally, we are not liable for any consumer rights that cannot be excluded under UK consumer protection law, including the Consumer Rights Act 2015 (UK).

In all cases, we will ensure that our terms and conditions comply with the relevant consumer protection laws and are drafted to be fair, transparent, and enforceable under UK law. Unfair, ambiguous, or overly broad clauses will not be enforced in accordance with UK law, including the provisions of the Consumer Protection from Unfair Trading Regulations 2008 (UK) and the Unfair Contract Terms Act 1977 (UK).

8. Privacy and Data Protection

We are committed to protecting and respecting your privacy in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 (UK).

We collect, process, and store your personal data only as necessary for the provision of our services. This includes details such as your name, contact information, and other data you may provide to us.

We ensure that any data we collect is processed securely, and we implement appropriate technical and organisational measures to protect your data against loss, theft, or unauthorisedaccess.

For full details on how we collect, use, store, and protect your data, as well as your rights regarding your personal data, please refer to our Privacy Policy. This Privacy Policy outlines your rights under the UK GDPR, including the right to access, correct, or delete your personal information, and the steps you can take to withdraw consent or lodge a complaint with the Information Commissioner’s Office (ICO), as well as the ways in which we may share your data with third parties, if applicable.

9. Dispute Resolution

These Terms are governed by and construed in accordance with the laws of England and Wales.

If a dispute arises under or in connection with these Terms, we are committed to resolving the issue amicably. The first step in resolving any disputes will be through mediation, which will be conducted in accordance with the Civil Mediation Council’s guidelines.

If mediation fails or if a resolution is not reached, the dispute shall be submitted to the exclusive jurisdiction of the courts of England and Wales.

Nothing in this clause affects your statutory rights as a consumer under UK law, including the right to seek redress in the courts of England and Wales. We are committed to ensuring that any disputes are resolved fairly and in a manner that respects your consumer rights.

10. Amendments

We reserve the right to amend or update these Terms at any time. Any changes made will be effective immediately upon posting the updated version on our website.

You will be notified of any significant changes to these Terms via email or through a prominent notice on the website. We encourage you to review these Terms periodically to ensure that you are aware of the most current version.

By continuing to use our website and services after any amendments are posted, you agree to be bound by the updated Terms. If you do not agree to the amended Terms, you should cease using our website and services.

11. Termination

We reserve the right, at our sole discretion, to suspend or terminate your access to our website and services if we believe you have violated any provision of these Terms or engaged in misuse or abuse of our services.

In the event of termination, you will remain liable for any outstanding obligations, including payment for services rendered up to the date of termination.

We will make reasonable efforts to notify you of any suspension or termination, except where immediate action is required to protect our website, users, or services. This clause is without prejudice to any other legal rights or remedies available to us, including but not limited to, our right to seek compensation for damages or losses incurred due to violations of these Terms.

Nothing in this clause limits your statutory rights as a consumer under UK law, including the right to a fair cancellation policy in accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

12. Contact Information

If you have any questions, concerns, or require assistance regarding these Terms or our services, please contact us using the following details:

Email: support@reclaimmyfinance.co.uk

Phone: +44 7578 252149

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

We aim to respond to all enquiries within a reasonable time frame and will make every effort to address your concerns promptly. For specific matters related to your rights under the UK GDPR or data protection queries, please refer to our Privacy Policy or contact our Data Protection Officer (DPO) if applicable.

13. Entire Agreement

These Terms and Conditions, together with any documents expressly incorporated by reference, constitute the entire agreement between you and Reclaim My Finance Ltd. regarding your use of our website and services. These Terms supersede any prior agreements, representations, or understandings, whether written or oral, regarding the same subject matter.

By using our website or engaging our services, you confirm that you have read, understood, and agreed to these Terms and Conditions in their entirety. If you do not agree with any part of these Terms, you must immediately cease using our website and services.

In the event of any conflict between these Terms and any other contractual terms you may have with us, these Terms will prevail, unless specifically stated otherwise in writing.