This document provides essential regulatory information regarding the operations of Reclaim My Finance, a trading name of Riteway Claims Limited. We are authorised and regulated by the Financial Conduct Authority (FCA) under Financial Registration Number 941668 and operate in compliance with UK law. Additionally, we provide services to clients globally, ensuring that our operations meet applicable legal and regulatory standards in all jurisdictions where we operate.
Our commitment is to uphold all regulatory obligations, ensuring transparency, accountability, and adherence to international best practices in the delivery of claims management services. This disclosure outlines the standards, regulations, and principles governing our operations, enabling clients worldwide to make informed decisions when engaging with us.
1. Authorisation and RegulationRiteway Claims Limited, trading as Reclaim My Finance, is duly authorised and regulated by the Financial Conduct Authority (FCA) under Financial Registration Number 941668.
The FCA serves as the conduct regulator for financial services firms and claims management companies, ensuring consumer protection, fairness, and transparency in all regulated activities.
Clients may confirm our authorisation and regulatory status by consulting the FCA Financial Services Register, available online at: https://www.fca.org.uk
2. Regulatory FrameworkOur operations are conducted in full compliance with the legal and regulatory framework governing claims management activities in the UK and, where applicable, the jurisdictions in which we operate. Key UK laws and regulations include:

• Financial Services and Markets Act 2000 (FSMA) – Firms must act honestly, fairly, and professionally in the best interests of clients.
• FCA Principles for Businesses (PRIN) – Including fair treatment of customers and providing clear, accurate, and non-misleading information.
• Claims Management: Conduct of Business Sourcebook (CMCOB) – Covers pre-contractual disclosure, fee transparency, and advertising standards.
• Consumer Rights Act 2015 – Ensures fairness in contracts and the right to challenge unfair terms.
• Consumer Contracts (Information, Cancellation, and Additional Charges) Regulations 2013 – Protects consumers during distance transactions, including a 14-day cooling-off period.
• UK General Data Protection Regulation (UK GDPR) & Data Protection Act 2018 – Governs the lawful handling, security, and protection of personal data.

For international clients, we also adhere to applicable local regulations regarding consumer rights, data protection, and financial services, ensuring compliance with each jurisdiction’s requirements.
3. Our CommitmentsWe are dedicated to maintaining the highest standards of professional integrity, ethical conduct, and compliance with regulations globally.

• Fair Treatment of Clients: We ensure clients are treated fairly, receive unbiased advice, and understand their rights and options.
• Transparency: We provide clear and comprehensive information regarding services, fees, and potential outcomes, enabling informed decision-making.
• Complaints Resolution: We operate a structured complaints process, with escalation available to the Financial Ombudsman Service (FOS) in the UK or the relevant authority in the client’s jurisdiction.

4. Scope of ServicesReclaim My Finance Limited provides claims management services worldwide, including:

• Mis-sold Financial Products: Assistance with investment scams, insurance policies, and other financial products sold inappropriately.
• Housing Disrepair Claims: Support for tenants seeking compensation for unresolved housing issues such as damp, mould, or unsafe conditions.

Success depends on individual case circumstances, and while we strive for the best outcome, we cannot guarantee results.
5. Client Rights and ObligationsClients are entitled to:

• Pre-Contractual Information: Clear details on fees, expected timelines, risks, and limitations.
• Right to Cancel: A 14-day cancellation period for distance or online agreements, subject to service completion.
• Accuracy of Information: Clients must provide truthful, complete, and accurate information.

Cooperation and full disclosure are essential for an efficient and successful claims process.
6. Data ProtectionWe protect client data under UK GDPR and the Data Protection Act 2018, with obligations including:

• Explicit Consent: Obtained before processing sensitive personal data.
• Data Minimisation & Security: Collecting only necessary information and safeguarding it from unauthorized access.
• Client Rights: Clients may access, correct, or request deletion of their personal data.

International clients are assured that data transfers comply with relevant data protection laws in their jurisdictions.
7. Complaints ProcedureClients may follow these steps:

1. Contact Us Directly: Email support@reclaimmyfinance.co.uk.
2. Acknowledgement: We respond within five business days.
3. Resolution: A final response is provided within eight weeks.
4. Escalation: Unresolved complaints may be referred to the FOS in the UK or an equivalent authority locally.

• 8. Limitations of LiabilityIndirect Losses: We are not liable for indirect or consequential losses, except in cases of negligence or fraud.
• Direct Damages Cap: Liability is limited to fees paid for the specific service provided.
• Exceptions: Liability is unlimited for death, personal injury, or fraudulent misrepresentation.

9. Contact InformationReclaim My Finance – trading name of Riteway Claims Limited
Registered Address: Brulimar House, Jubilee Road, Middleton, Manchester M24 2LX, UK
Email: support@reclaimmyfinance.co.uk
FCA Registration Number: 941668
This document is regularly reviewed to ensure compliance with UK and international laws and regulations. Updates will be communicated as necessary.
If you want, I can also rewrite this in a shorter, more “client-friendly” version suitable for a website or email disclosure, still keeping the FCA 941668. It would read less formal but stay fully compliant.