Terms and Conditions

AGREEMENT BETWEEN USER AND ReclaimYourFinance

ReclaimYourFinance is a trading name of Broker Direct Plc authorised and regulated by the Financial Conduct Authority with reference number 307607.  Registered office: Deakins Park, Deakins Mill Way, Egerton, Bolton, BL7 9RW.

Our web site comprises of various web pages operated by ReclaimYourFinance. The ReclaimYourFinance web site (Our web site) is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of Our web site constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

ReclaimYourFinance reserves the right to change the terms, conditions, and notices under which Our web site is offered, including but not limited to the charges associated with the using Our web site.

COOKIES

ReclaimYourFinance uses cookies to make this site as useful as possible. They are small text files we put in your browser to track usage of our site, but don’t tell us who you are.

Cookies are small text files that can be used by web sites to make a user’s experience more efficient. The law states that we can store cookies on your machine if they are essential to the operation of Our web site, but that for all other cookies we need your permission to do so. ReclaimYourFinance does use some non-essential cookies. We do not do this to track individual users or to identify them, but to gain useful knowledge about how the site is used so that we can keep improving it for our users.

We use Google Analytics, a popular web analytics service provided by Google, Inc. Google Analytics uses cookies to help us to analyse how users use the site. It counts the number of visitors and tells us things about their behaviour overall – such as the typical length of stay on the site or the average number of pages a user views. The information generated by the cookie about your use of our website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of our website, compiling reports on website activity and providing other services relating to website activity and internet usage.

Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google undertakes not to associate your IP address with any other data held by Google. If you have Adobe Flash installed on your computer (most computers do) and you use ReclaimYourFinance audio or video players, Google Analytics will try to store some additional data on your computer. This data is known as a Local Shared Object or Flash cookie. This helps us to analyse the popularity of our media files. We can count the total number of times each file is played, how many people watch videos right to the end and how many people give up half way through. Adobe’s website offers tools to control Flash cookies on your computer. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies. You can access them through some types of browser. Search in your cookie folders for ‘out-law’ to find our cookie and the Google Analytics cookie if you wish to delete them. More information about cookies, including how to block them or delete them, can be found atAboutCookies.org. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies. You can access them through some types of browser. More information about cookies, including how to block them or delete them, can be found atAboutCookies.org.

LINKS TO THIRD PARTY SITES

Our web site may contain links to other web sites (“Linked Sites”). The linked sites are not under our control and we are not responsible for the contents of any linked site, including without limitation any link contained in a linked site, or any changes or updates to a linked site. ReclaimYourFinance is not responsible for webcasting or any other form of transmission received from any linked site. ReclaimYourFinance is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by us of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of Our web site, you warrant to us that you will not use Our web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use Our web site in any manner which could damage, disable, overburden, or impair Our web site or interfere with any other party’s use and enjoyment of Our web site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through Our web sites.

USE OF COMMUNICATION SERVICES

Our web site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such communication service specifically allows such messages.
• Conduct or forward surveys, contests, pyramid schemes or chain letters.
• Download any file posted by another user of a communication service that you know, or reasonably should know, cannot be legally distributed in such manner.
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
• Restrict or inhibit any other user from using and enjoying the communication services.
• Violate any code of conduct or other guidelines which may be applicable for any particular communication service.
• Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
• Violate any applicable laws or regulations.

We have no obligation to monitor the communication services. However, we reserve the right to review materials posted to a Communication Service and to remove any materials in our sole discretion. We reserve the right to terminate your access to any or all of the communication services at any time without notice for any reason whatsoever.

We reserve the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in our sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any communication service.

Materials uploaded to a communication service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO US OR POSTED ON OUR WEB SITE

We do not claim ownership of the materials you provide to Us (including feedback and suggestions) or post, upload, input or submit to web site or its associated services (collectively “submissions”). However, by posting, uploading, inputting, providing or submitting your submission you are granting us, our affiliated companies and necessary sublicensees permission to use your submission in connection with the operation of their businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submission; and to publish your name in connection with your submission.

No compensation will be paid with respect to the use of your submission, as provided herein. We are under no obligation to post or use any submission you may provide and may remove any submission at any time in our sole discretion.

By posting, uploading, inputting, providing or submitting your submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

LIABILITY DISCLAIMER

The information, software, products and services included in or available through Our web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. We and/or our suppliers may make improvements and/or changes to Our web site at any time. Advice received via Our web site should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.  We and/or our suppliers make no representations about the suitability, reliability, availability, timeliness and accuracy of the information, software, products, services and related graphics contained on Our web site for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services and related graphics are provided “as is” without warranty or condition of any kind. We and/or our suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement.

To the maximum extent permitted by applicable law, in no event shall we and/or our suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of our web site, with the delay or inability to use the Our web site or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through Our web site, or otherwise arising from your use of the web site, whether based on contract, tort, negligence, strict liability or otherwise, even if We or any of its suppliers has been advised of the possibility of damages because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you if you are dissatisfied with any portion of Our web site, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Our web site.

TERMINATION/ACCESS RESTRICTION

We reserve the right, in our sole discretion, to terminate your access to Our web site and the related services or any portion thereof at any time, without notice.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the Our web site are: Copyright 2024 Broker Direct Plc and/or its suppliers. All rights reserved.

TRADEMARKS

Any rights not expressly granted herein are reserved.

Privacy Statement

We are committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This privacy statement explains your rights and how ReclaimYourFinance may collect and use your information.

ReclaimYourFinance a trading name of Broker Direct Plc and is the controller for any personal information you provide to us.  This means that We are responsible for how We hold and use  Personal Data about You.  We are required to comply with Data Protection Legislation when holding and using Your Personal Data.  This includes providing You with details of how We hold and use Your Personal Data, who We may share it with and Your rights in relation to Your Personal Data.

What Are Your Rights?

The data protection legislation gives You the following rights in relation to the Personal Data that We handle and use about You:

• The right to be informed about how We collect and use of Your Personal Data.
• The right to access the Personal Data We hold about you.
• The right to have Your Personal Data rectified if any of data held by Us is inaccurate or incomplete.
• The right to have Your Personal Data erased.
• The right to restrict the processing of Your Personal Data.
• The right to object to Us using Your Personal Data for a particular purpose or purposes.
• The right to withdraw consent.
• The right to data portability.
• Rights relating to automated decision-making and profiling. We do not use Your Personal Data in this way. 

Please contact us, if you wish to make any of the above requests.

What Personal Data do we collect.

We will only use your information for:-

• our website to function and to enhance your website experience;
• us to see how you interact with our website and to create general statistics on website use;
• you to contact us and to request we contact you;
• us to deliver any services you have requested;
• you to take the first step in making a claim.

What Personal Data We share

We do not share Your Personal Data with any third parties.

We will only store Your data in the UK and will keep Your data for no longer than is necessary which we deem to be 7 years.

Changes to this statement

We will occasionally update this Statement of Privacy to reflect company and customer feedback. We encourage you to periodically review this Statement to be informed of how We are protecting your information.

How to Contact Us

If you have any concerns about this statement or the use of your information, please contact us at:

Deakins Park, Deakins Mill Way, Egerton, Bolton, BL7 9RW

Email –[email protected] 

We will endeavour to respond to you as soon as possible and in the event of a Subject Access Request or other will respond in 1 month.