Terms & Conditions
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) 941668.
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 must immediately discontinue use of our website and services.
1. DefinitionsIn these Terms, the following definitions apply:
6. User-Generated ContentBy submitting content (reviews, feedback, etc.), users grant Reclaim My Finance Ltd. a non-exclusive, worldwide, royalty-free licence to use, modify, display, and distribute such content. Users warrant they have rights to submit content and that it does not infringe third-party rights or violate laws. We may remove content at our discretion if it violates our policies or is unlawful.
7. Limitations of LiabilityWe are not liable for indirect, incidental, or consequential damages, including loss of profit, revenue, or data. Liability for direct damages is limited to fees paid for the relevant service. Exceptions apply for death, personal injury, or fraud. Users retain statutory consumer rights under applicable local laws.
8. Privacy and Data ProtectionWe process personal data in compliance with UK GDPR, Data Protection Act 2018, and applicable local laws. Personal data is collected only as necessary for services, processed securely, and protected against unauthorized access. Users may access, correct, or request deletion of their data as permitted by applicable laws. Refer to our Privacy Policy for details.
9. Dispute ResolutionThese Terms are governed by English law. Disputes will first be addressed through mediation, following the Civil Mediation Council guidelines. If unresolved, disputes are subject to the exclusive jurisdiction of the courts of England and Wales. Nothing limits users’ statutory rights in their jurisdiction.
10. AmendmentsWe may update these Terms at any time. Updates take effect immediately upon posting. Significant changes will be notified via email or website notice. Continued use of our website or services indicates acceptance of updated Terms.
11. TerminationWe may suspend or terminate access if a user violates these Terms. Users remain liable for obligations, including fees for services rendered up to termination. Termination does not affect statutory rights under applicable local laws.
12. Contact InformationReclaim My Finance – trading name of Riteway Claims Limited
Email: support@reclaimmyfinance.co.uk
Phone: +44 7578 252149
Address: Brulimar House, Jubilee Road, Middleton, Manchester, M24 2LX, United Kingdom
FCA Registration Number: 941668
We respond promptly to enquiries and data protection matters. For privacy concerns, refer to our Privacy Policy.
13. Entire AgreementThese Terms, along with documents incorporated by reference, constitute the entire agreement between users and Reclaim My Finance Ltd. regarding the use of our website and services. They supersede prior agreements or representations.
By using our website or services, you confirm you have read, understood, and agreed to these Terms. If you do not agree, you must immediately cease using our website and services.
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 must immediately discontinue use of our website and services.
1. DefinitionsIn these Terms, the following definitions apply:
- User: Any individual, corporate entity, or legal person who accesses or uses our website or engages with our services in any capacity.
- Services: Claims management services, including assisting clients with reclaiming compensation for mis-sold financial products, complex investment scams, or housing disrepair issues. Specific scope is detailed in agreements with each client.
- Website: Our online platform, including www.reclaimmyfinance.co.uk, and all content, features, and functionality.
- Agreement: The legally binding contract formed between the User and Reclaim My Finance upon acceptance of these Terms.
- Claims Management Services: Regulated activities performed under FCA supervision, which may include advising, investigating, and representing clients.
- Personal Data: Information identifying or relating to an individual, as governed by applicable data protection laws (e.g., UK GDPR, Data Protection Act 2018, or relevant local laws).
- Force Majeure: Events beyond our reasonable control affecting service delivery, including natural disasters, government actions, or technical failures.
- Confidential Information: Proprietary or sensitive information shared between parties, not intended for public disclosure, except as outlined in our Privacy Policy.
- 2. Eligibility and User ObligationsAge and Residency Requirements: Users must be at least 18 years old. International clients must comply with applicable local regulations regarding eligibility to use claims management services.
- Accurate Information: Users must provide accurate, complete, and up-to-date information. Inaccurate or incomplete information may result in delays, service limitations, or termination.
- Compliance with Laws: Users must use our website and services in compliance with all applicable laws, regulations, and industry standards in their jurisdiction.
- Prohibited Activities: Users must not misrepresent identity, disrupt our systems, or use our services for unlawful, fraudulent, or abusive purposes.
- Cooperation and Documentation: Success of claims depends on users providing timely and accurate documentation, evidence, and responses to enquiries.
- Acknowledgement of Risks: Users understand that outcomes of claims cannot be guaranteed and depend on evidence, cooperation of third parties, and other factors.
- Communication: Users consent to electronic communications related to services and claims, and are responsible for keeping contact information current.
- 3. Services OfferedScope of Services: We provide professional claims management services to clients worldwide, including:
- Assessing claim validity
- Advising on strategies and remedies
- Liaising with responsible parties on clients’ behalf
- Preparing and submitting claims documentation
- Regulatory Compliance: Services are conducted in accordance with FCA standards and applicable local regulations where services are offered.
- Disclaimer: Outcomes cannot be guaranteed. Success depends on individual circumstances, availability of evidence, and cooperation of third parties.
- 4. Fees and Payment TermsFee Disclosure: All fees are communicated transparently before service commencement, including success fees or administrative costs.
- Payment Terms: Payment schedules and methods are specified in client agreements. Users must adhere to these terms.
- Refund Policy: Refunds, if applicable, are governed by local consumer protection regulations. Specific terms are detailed in client agreements.
- No Upfront Fees: In compliance with FCA regulations, fees for regulated claims management activities are payable only upon successful recovery or as agreed.
- Dispute Resolution: Fee disputes should be raised promptly and unresolved matters handled according to these Terms.
6. User-Generated ContentBy submitting content (reviews, feedback, etc.), users grant Reclaim My Finance Ltd. a non-exclusive, worldwide, royalty-free licence to use, modify, display, and distribute such content. Users warrant they have rights to submit content and that it does not infringe third-party rights or violate laws. We may remove content at our discretion if it violates our policies or is unlawful.
7. Limitations of LiabilityWe are not liable for indirect, incidental, or consequential damages, including loss of profit, revenue, or data. Liability for direct damages is limited to fees paid for the relevant service. Exceptions apply for death, personal injury, or fraud. Users retain statutory consumer rights under applicable local laws.
8. Privacy and Data ProtectionWe process personal data in compliance with UK GDPR, Data Protection Act 2018, and applicable local laws. Personal data is collected only as necessary for services, processed securely, and protected against unauthorized access. Users may access, correct, or request deletion of their data as permitted by applicable laws. Refer to our Privacy Policy for details.
9. Dispute ResolutionThese Terms are governed by English law. Disputes will first be addressed through mediation, following the Civil Mediation Council guidelines. If unresolved, disputes are subject to the exclusive jurisdiction of the courts of England and Wales. Nothing limits users’ statutory rights in their jurisdiction.
10. AmendmentsWe may update these Terms at any time. Updates take effect immediately upon posting. Significant changes will be notified via email or website notice. Continued use of our website or services indicates acceptance of updated Terms.
11. TerminationWe may suspend or terminate access if a user violates these Terms. Users remain liable for obligations, including fees for services rendered up to termination. Termination does not affect statutory rights under applicable local laws.
12. Contact InformationReclaim My Finance – trading name of Riteway Claims Limited
Email: support@reclaimmyfinance.co.uk
Phone: +44 7578 252149
Address: Brulimar House, Jubilee Road, Middleton, Manchester, M24 2LX, United Kingdom
FCA Registration Number: 941668
We respond promptly to enquiries and data protection matters. For privacy concerns, refer to our Privacy Policy.
13. Entire AgreementThese Terms, along with documents incorporated by reference, constitute the entire agreement between users and Reclaim My Finance Ltd. regarding the use of our website and services. They supersede prior agreements or representations.
By using our website or services, you confirm you have read, understood, and agreed to these Terms. If you do not agree, you must immediately cease using our website and services.
