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Privacy Policy
Reclaim Car Finance is a trading style of Ono Corp Ltd. This privacy policy sets out how Ono Corp Ltd, collects, uses and protects your information when you use this website or our services, in accordance with the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR). Ono Corp is the controller and is responsible for your personal data. We are committed to ensuring that your privacy is protected. By using our website and/or our services, you may be providing us with some of your personal information and we want to make sure that we do not use your data in a way that you would not expect. Ono Corp Ltd assure you that your personal information will only be used in accordance with this privacy policy and in compliance with the latest privacy regulations. Ono Corp may change this policy in future by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 22/11/2024.
Personal information is any information about an individual from which that person can be identified. It does not include data which has been anonymised. We will only collect the personal data necessary to assess your enquiry and, with your consent, refer your case to our partner firms. We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
This list may not include all the information we require when providing our service/s. The information we ask you for will relate to your specific enquiry and will only consist of the information we need to carry out our service. If you contact us other than via our website, we will keep a record of that correspondence and a copy of call recordings.
The legal grounds for processing your personal information depend upon the nature of our relationship with you and the context of processing and are as follows:
We collect/store or use your information to…
| Purpose | Legal basis |
| carry out initial eligibility checks and, with your consent, refer your case to one of our partner firms. | Consent |
| send to our partner claims management companies, solicitors or law firms | Consent |
| send to our service provider/contractor partners | Contract and/or Legitimate Interests |
| send you information or marketing about our products and services | Legitimate Interests and/or Consent |
| contact you where you fail to fully complete our online form | Legitimate Interests and/or Contract |
| provide annual statistics to our regulator | Legal Obligation |
| resolve complaints against us or the establishment, exercise, or defence of legal claims | Legitimate Interests and/or Legal Obligation |
| gather feedback to enable us to improve our website, products and services | Legitimate Interests |
| verify your identity where we receive requests to access or change the information we hold about you | Legal Obligation |
| maintain our accounts and records | Legal Obligation |
| comply with legal and regulatory obligations | Legal Obligation |
| research and analyse trends to better understand how users are using our website and services in order to improve them | Legitimate Interests |
| inform you about changes in our services and important service related notices, such as security and fraud issues | Legal Obligation |
| maintaining insurance coverage, managing risks, or obtaining professional advice | Legitimate Interests and/or Legal Obligation |
We may share your personal data, with your consent, with one or more of our carefully selected third-party claims management companies, solicitors, or law firms. This is solely to allow them to contact you regarding their services, including reviewing your potential case. Once your information is passed to them, these partners will act as independent data controllers and will provide you with their own privacy policies explaining how they use your data.
We may also share your data with insurers, compliance consultants, professional advisers, or other service providers strictly to support the referral process, manage risks, or meet legal and regulatory obligations.
Your data may be disclosed to suppliers or subcontractors, such as IT service providers, call centres, or credit information firms, who act solely as processors on our behalf and are bound by agreements to protect your information. For example, we may use Valid8 IP Ltd to carry out soft credit checks with your consent; these checks will not affect your credit score.
We may disclose personal data when required by law, to protect vital interests, or to assist in the establishment, exercise, or defence of legal claims.
Some data processors we use may be located outside the European Economic Area (EEA). We conduct robust due diligence and implement appropriate safeguards to ensure your rights are protected. Please contact us if you would like further information about international data transfers and the safeguards in place.
We may contact you for marketing purposes in accordance with your preferences and applicable law. This may include information about:
You can opt out of marketing at any time by contacting us using the details provided in this privacy policy or by following the opt-out instructions in any communication you receive. We may also rely on legitimate interests for direct marketing, such as informing individuals about services similar to those previously enquired about, provided you have not opted out. Marketing may be sent via post, email, SMS, or telephone, in accordance with your preferences.
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. As you interact with our website, we may collect Technical Data and Usage Data about your equipment, browsing actions and patterns. We collect this personal data by using Third-Party cookies, specifically Google Analytics. You can view Google’s privacy policy here: www.google.com/policies/privacy. Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. You will be asked to provide your consent for us to use cookies upon your first visit to our website. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. Also, to opt out of being tracked via Google Analytics, you can use Google’s opt-out browser add-on: https://tools.google.com/dlpage/gaoptout If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.
We retain your information for as long as is necessary for the purpose for which it was originally obtained. We have some legal and regulatory obligations to hold certain pieces of information for specific timeframes for example, we are required to keep a copy of telephone call recordings for a period of 12 months after our last contact with you. Where we have provided a service to you, we will hold all information relevant to this for 6 years to enable us to defend any claims/complaints made about our service. Information relating to any complaints will be held for a further 3 years. We also need to keep some of your information for our accounting and reporting requirements. Your contact details will be held for the purposes of direct marketing for a 6 years, this is to enable us to let you know about new products or services that may be of interest to you as detailed above.
You have the following rights in accordance with the UK GDPR and the DPA:
You may request that we provide you with any personal information we hold about you. Where you send us a request to access your data, this will usually be free of change and sent to you within one month (unless your request is complex). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances. We may need to request specific information from you to help us confirm your identity before we are able to process your request. We may withhold personal information that you request to the extent permitted by law. You may instruct us at any time not to process your personal information for marketing purposes. We may use automated decision making in our claims process and/or profiling in order to send you targeted marketing. You have the right to access details of the information we used to create your profile and the right to object to profiling, including profiling for marketing purposes. You have the right to request human intervention or challenge an automated decision. We do not use automated decision making which would produce legal or significant effects on individuals. If at any point you wish to raise a complaint regarding our data handling then you have the right to complain to the Information Commissioner’s Office (ICO) the supervisory authority for data protection issues in the UK whose information is available at www.ico.org.uk. However, we would appreciate to opportunity to deal with any concerns directly with you in the first instance.
Ono Corp Ltd recognise the personal nature of the information we collect, process and store. As we are committed to ensuring that your information is secure, we have put in place suitable physical, electronic and managerial procedures to prevent loss, unauthorised access, misuse or disclosure and to make sure that your information is safe and secure. If password access is required for certain parts of our website/application, you are responsible for keeping this password confidential.
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which may be collected or you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
You may not transfer any of your rights under this privacy policy to any other person. We may transfer our rights under this privacy policy where we reasonably believe your rights will not be affected. If any court or competent authority finds that any provision of this privacy policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this privacy policy will not be affected. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy. If you have any queries relating to our privacy policy or the personal data we hold about you, wish to opt out of marketing or you wish to invoke any of your legal rights, you can contact us by: Emailing: [email protected] Telephone: 0161 521 0007 Write to us at: Ono Corp Ltd Unit 1.02b Boatshed, Office Village 12 Exchange Quay Salford M5 3EQ
Claim-Smart Limited is authorised and regulated by the Financial Conduct Authority under FRN: 935960. Claim-Smart Limited is a claims management company. These terms of business (the “Terms”) explain the entire rights and obligations of You and Us regarding the provision of our Services. You should read the Agreement carefully before signing it. If You do not understand any aspect, please ask Us for further information.
Claim-Smart Limited – Telephone: 020 3307 5218 – www.claim-smart.co.uk – [email protected] – Berkeley Square House, Berkeley Square, London W1J 6BD – Company number: 12824729. Claim-Smart Limited is authorised and regulated by the Financial Conduct Authority; that registration is recorded on the Financial Services Register under FRN: 935960.
“Account” – the account(s) and/or car finance agreement identified by You or by Us as being relevant to the Claim.
“Agreement” – this Agreement entered into by You and Us incorporating the Letter of Authority Form and these Terms.
“Cancellation” – cancellation of this Agreement by You in accordance with Clause 6 of this Agreement.
“Claim” – a claim or claims made to the Third Party by Us on Your behalf in relation to non-disclosure and/or inadequate disclosure of commissions paid to brokers, motor dealers or others in respect of finance for motor vehicles and any other related finance.
“Data Protection Legislation” – the Data Protection Act 2018 (DPA) and the General Data Protection Regulation (EU) 2016/679 (‘UK GDPR’).
“Fees” – where applicable, the fees payable by You to Us under paragraph 5 of these Terms.
“Funder” – the provider of funding to Us to process Your Claim.
“Letter-of-Authority Form” – the form We enclosed with the claim pack and which We asked You to sign to give Us authority to act on Your behalf. If the Claim to which a Letter of Authority relates is dealt with over more than one account, then We shall be entitled to charge You Our Fees in respect of any and all additional accounts identified. We will notify You of any additional accounts that are identified.
“Personal Notice” – written notice provided by Us to You at least 15 Working Days in advance (or such shorter period as may be necessary to ensure We comply with our regulatory and legal obligations) by post or email (in each case provided to the most recent contact details provided by You to Us).
“Services” – the services that We agree to provide to You under the Agreement, being our advice and our investigation and representation of Your Claim.
“Settlement Amount” – all amounts paid or provided or to be paid or provided by the Third Party to You and to any other person in relation to settlement or satisfaction of Your Claim (gross of any tax You are liable to pay), being the total value of the benefits to You and to any other person monetary or otherwise, and including any cash or cheque payment, any reduction in Your Account balance, any reduction in Your Account arrears, any offset against any other outstanding liabilities, any goodwill payments and any interest paid by the Third Party in relation to the Claim. The Settlement Amount includes any compensation/redress paid or payable to You through any scheme (or similar) implemented by any Third Party and/or any regulatory body, whether or not We have acted or are able to act in respect of that scheme. A Settlement Amount will be recovered by You when any amounts are paid by the Third Party (or any entity on their behalf) to You or Us in relation to Your Claim, including by way of any offset or reduction of any liabilities You have to the Third Party.
“Third Party” – the respondent third party, loan provider, financial institution(s) or other provider(s) of financial or other services against which a Claim is brought on Your behalf.
“Working Days” – all days other than Saturday, Sundays and public holidays in the United Kingdom.
| Settlement Amount recovered | Our Fees (as a percentage of Settlement Amount and excluding VAT) |
| £1 – £1,499 | 30% |
| £1,500 – £9,999 | 28% |
| £10,000 – £24,999 | 25% |
| £25,000 – £49,999 | 20% |
| £50,000 or above | 15% |
Notice of Right to Cancel
You have the right to cancel this contract within 14 days without giving any reason.
The cancellation period will expire after 14 days from the day on which this contract is entered into.
To exercise the right to cancel, You must inform Us of Your decision to cancel this contract by a clear statement (e.g. a letter sent by post, fax or e-mail). You may use the cancellation form below, but it is not obligatory.
To meet the cancellation deadline, it is sufficient for You to send Your communication concerning Your exercise of the right to cancel before the cancellation period has expired.
Effects of cancellation
If You cancel this contract with 14 days from the date on which this contract is entered into, the cancellation ends all obligations on You and Us to perform this Agreement. However, by signing this Agreement You make an express request for Us to start work on Your matter within the 14 day period. While You may still cancel this Agreement within the 14 day period, You may have to pay for our work in accordance with Clause 6.3. Otherwise, You will not have to pay Us any fees if You cancel this Agreement within the Cancellation Period. If within the 14 day period, We have fully performed this Agreement, You will no longer have the right to cancel this Agreement.
This declaration must be read and signed before a claim can commence on your behalf. You are reminded that you are not required to use a claims management company, such as Claim-Smart Limited (“Claim-Smart”), to pursue your compensation claim against a third party for mis-sold car finance.
You can present this claim for free by contacting your lender/provider. If your complaint to your lender/provider is unsuccessful, you can refer it to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS) yourself for free. Alternatively, you could instruct another claims management company or a firm of solicitors to act on your behalf.
I am aware that the Financial Conduct Authority has allowed a pause for car finance firms to respond to certain complaints until December 2025. I understand that this means that I may not get a full response to my complaint until 2026, and that the FCA intends to introduce a statutory redress scheme. I am happy for Claim-Smart to pursue my claim for me, regardless of any imposed redress scheme. https://www.fca.org.uk/consumers/car-finance-complaints.
I acknowledge that I could pursue a claim on my own for free; however, I have chosen to instruct Claim-Smart to act on my behalf. I confirm that my decision is based on at least one of the following reasons: I want a claims expert to handle my claim, I do not have the time to pursue it myself, or I do not trust the finance provider to treat my claim fairly.
I understand Claim-Smart will deduct a fee if my claim is successful.
Client Name:
Signature:
Date:
This privacy notice sets out our approach and demonstrates our commitment to your privacy. We may change the content or services found on our website at any time without notice, and consequently our privacy notice may change any time in the future. Please therefore check this privacy notice regularly when you visit our website.
Claim-Smart Limited Company Number: 12824729, Berkeley Square House, Berkeley Square, London W1J 6BD. Claim-Smart Limited is authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activity, FRN: 935960.
For the purposes of data protection legislation, we are the Data Controller, and we will process your personal date in accordance with the UK General Data Protection Regulations. We are entered in the Information Commissioner’s register of fee payers (controllers) register of fee payers (controllers) with registration number ZB696380.
We are committed to protecting your personal data and other information you provide to us via this website. Please read this privacy notice carefully as it contains important information about our use of that information. It explains what information we collect about you, and how we use it, including when we might disclose it to third parties and other information that data protection law requires us to provide.
Because of the financial nature of our business, our products and services are not designed to appeal to or to be sold to persons under the age of 18. Therefore, we do not knowingly attempt to solicit or receive any information from children. If you are under the age of 18, you must not use this website.
Name: Claim-Smart Limited
Address: Berkeley Square House, Berkeley Square, London W1J 6BD
Phone: 020 3307 5218
Email: [email protected]
Personal Data or Personal Information can be defined as “Any information about an individual from which that person can be identified”. This does not include data where the identity has been anonymised.
Under GDPR we will only collect information that is specified, explicit and legitimate for the purposes required. This means the data we collect must be adequate, relevant and limited to the requirements of the service.
We may collect, use, store and transfer different kinds of personal information about you. These are as detailed as possible:
Identity Data: First name, last name, previous name(s), date of birth, signature (stored electronically).
Contact Data: Current address, previous addresses, email address and telephone number(s).
Transaction Data: Information on your Agreement(s) such as but not limited to: Car Finance Claims, vehicle registration number, agreement number, date of agreement, type of finance, amount borrowed.
Technical Data: Internet Protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating systems and platform and other technology on devices you use to access the website.
Profile Data: Includes, understanding the services you’ve engaged, your interests, preferences, feedback and analysing the data you have provided as part of the service to improve our service, customer relationships and experiences.
Usage Data: Information about how you use our website.
| Purpose | Type of Data | Lawful basis for Processing |
| To contact you following the submission of an enquiry | (a) Identity (b) Contact |
Consent |
| To learn about the circumstances surrounding potential financial mis-selling and provide updates as a claim progresses | (a) Identity (b) Contact (c) Transaction |
Performance of a contract with you. Consent Explicit Consent (Special Category Data) |
| Asking you to leave a review or take a customer satisfaction survey.
To publish feedback/testimonials provided by you regarding the satisfaction of our services |
(a) Identity (b) Contact |
Consent |
| To respond to any data subject access requests that we may receive from you | (a) Identity (b) Contact |
Legal Obligation |
| Monitoring and Oversight such as recording and monitoring telephone calls and communications to ensure compliance with regulatory obligations and rules and to ensure firm processes for quality and training purposes. | (a) Identity (b) Contact |
Legal Obligation |
| To administer and protect our business and this website (including trouble shooting, data analysis, testing, system maintenance, support, reporting and hosting of data) | (a)Technical (b)Usage |
Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) |
| Internal Group Administration | (a) Identity (b) Contact (c) Technical (d) Usage (e) Profile |
Legitimate Interests |
| To make suggestions and recommendations to you about other services that may be of interest to you | (a) Identity (b) Contact (c) Technical (d) Usage (e) Profile |
Necessary for our Legitimate Interests (to study how customers use our services, to develop them and to off other services to you |
| Notifying you about changes to our terms or privacy policy | (a) Identity (b) Contact |
Legal Obligation |
We may make “automated decisions” about you: that is a significant decision made by software or an algorithm without human intervention. For example, based on a certain criterion (defined by humans) our system makes automatic decisions, such as when to send you an email or SMS or close your case. The logic in our systems is best understood as the milestones throughout the customer journey, for example your customer pack being returned, or the complaint being sent to the vendor. We then set appropriately determined contact points to keep you updated or informed on any progress with your claim. The consequences of these automated decisions are limited as the triggers are removed where the customer journey finishes, i.e. when your case is closed, or is successful and you have settled your invoice.
We will collect some personal data from your car finance provider rather than from you: your car finance provider will identify specific agreements relating to you that include your agreement number.
You are provided with choices regarding marketing, and we record your preferences in relation to this and how we communicate with you.
We may reply on consent when we use your personal information for direct marketing. This will be where you have specifically consented to us or a third party that you are happy to receive marketing contact from us.
We may also reply on legitimate interests for our direct marketing. Our legitimate interests are to inform individuals about products or services which may be of interest to them. Our legitimate interest may also be our commercial interests in operating our business, which includes acquiring new customers, providing additional services to existing or previous customers that are similar or aligned with previous products or services and expanding our operations.
You may also receive marketing communications from us if you have previously purchased similar goods or services from us and, in each case, you have not opted-out of receiving that marketing. This is known as a ‘soft opt-in’.
Such marketing communications may be in relation to claims management, financial advice/service and legal services which could be done by post, email, SMS or telephone.
To opt out of receiving future marketing from us under a soft opt-in or under legitimate interest, please opt-out using the details in the ‘General’ section of this Privacy Policy.
If you require any further information about the lawful basis, we have relied on to send direct marketing to you, please contact us using the details in the ‘General’ section.
The nature of our business is such that we may on occasion ask you to provide sensitive personal data (the technical term is “special categories” of personal data, that is, personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying an individual, data concerning health or data concerning an individual’s sex life or sexual orientation). Where we do so and you agree to that, you give your explicit consent to our use of such sensitive personal data for the purposes for which it was provided. We will take appropriate measures to protect such sensitive personal data at all times.
If you are a customer, we will need your personal details (name and contact details – address, contact number, email address), name history, date of birth and car fin ace lender information to provide our services. It is therefore a contract requirement that you provide these details, or we cannot provide our services.
From time to time, we use third party suppliers and service providers to facilitate our services located in the UK. Where any service provider collects information directly from you, you will be notified of their involvement, and all information disclosures you make will be strictly optional.
We use the third party supplier Valid8 IP Ltd for the purposes of a soft credit search with one or more credit reference bureaus.
We may need to pass your information to third parties who help us to maintain, administer or develop the website or provide our services (such as our mailroom provider/scanner, and dialler provider) but, if so, that information is only given to those third parties for that limited purpose and subject to those third parties agreeing to keep the information secure. In addition, we may provide aggregate statistics about our customers, sales, traffic patterns and related website information to reputable third parties. Please see our cookies notice for further information.
We may disclose personal data to the extent permitted or required under any enactment, by rule of law, order of the Court, as requested by other government law enforcement authority, to take advice or enforce our legal rights, to operate our systems properly, or to protect ourselves or our users.
Our website may, from time to time, contain links to and from the websites of third parties. Please note that if you follow a link to any of these websites, such websites will apply different terms to the collection and privacy of your personal data, and we do not accept any responsibility or liability for these policies. When you leave our website, we encourage you to read the privacy notice/policy of every website you visit.
We may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of Claim-Smarts Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this privacy policy, be permitted to use the Data for the purposes for which it was originally supplied to us.
We may also disclose Data to a prospective purchaser of our business or any part of it.
In the above instances, we will take steps with the aim of ensuring your privacy is protected.
We will only retain your personal data for as long as is necessary to fulfil our obligations under the provision of our service as well as any purposes necessary to satisfy any legal, accounting or reporting requirements. Our usual retention period is up to 6 years after the end of your contract/agreement with us.
To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk, of harm of unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, including applicable legal requirements.
In some circumstances you can ask us to delete your data under the ‘Right to Request Erasure’ However, an erasure request may be partially declined. In the event a complaint has been made, coupled with an erasure request, we will maintain records relating to the complaint, including basic information such as name, and telephone name. If you do not wish to be contacted by us, we are required to maintain a log of this request, withholding applicable data to ensure we no longer contact you further.
In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
In accordance with the UK General Data Protection Regulations, you have the following rights in relation to your Data:
Changes to this privacy notice
We keep our privacy notice under regular review. This privacy notice was last updated on 11th July 2025.