Terms of service.
Effective Date: [01/04/2025] Brand: Claim Your Commission Legal Entity: Y4 CSTM Ltd Company No.: 14922060 Registered Office: 212a Brick Lane, Ground Floor, London, England, E1 6SA Email Contact: info@claimyourcommission.co.uk
1. Introduction These Terms and Conditions govern your access to and use of the Claim Your Commission DIY kit (“Product”), which is provided by Y4 CSTM Ltd, trading as Claim Your Commission (“we”, “us”, or “our”). By purchasing, downloading, accessing, or using any part of this kit, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not access or use the kit.
2. Product Description The Claim Your Commission DIY kit is a digital resource created to help individuals understand and manage their motor finance commission complaints. It includes: • Email templates • Evidence and eligibility checklists • Progress and email trackers • A step-by-step guide and roadmap • Legal and informational documents • General FAQs and contact databases The kit is provided for educational and informational purposes only.
3. Legal Disclaimer The Claim Your Commission DIY Kit is intended to serve as a general guide for individuals wishing to independently pursue a complaint related to motor finance commission arrangements. However, by purchasing or using this kit, you agree to the following: Not a Regulated Service: Claim Your Commission is not a regulated claims management company, legal practice, or financial advisory firm. No regulatory authorisation has been sought or granted from the Financial Conduct Authority (FCA), Information Commissioner's Office (ICO), Financial Ombudsman Service (FOS), or any other statutory body. • No Legal or Financial Advice: The materials provided within the kit do not constitute legal, financial, or professional advice, nor should they be relied upon as such. All templates, documents, and guidance are intended for informational and educational purposes only. • No Professional Relationship Created: Use of this kit does not establish any client-solicitor, client-consultant, or fiduciary relationship between the user and Y4 CSTM Ltd or its representatives. We are not acting on your behalf, and we will not engage in correspondence with any third party on your behalf. • No Guarantee of Outcome: We make no representations or warranties, express or implied, regarding the viability, strength, or success of any claim initiated using this kit. Outcomes may vary depending on individual circumstances, the quality of evidence provided, and third-party regulatory decisions. • Use at Your Own Risk: All actions taken based on the use of this kit are done at the user’s own discretion and risk. You are responsible for evaluating the content’s suitability to your specific situation and for conducting your own due diligence. • Limitation of Liability: Y4 CSTM Ltd, trading as Claim Your Commission, including its directors, contractors, affiliates, and contributors, disclaim all liability for any loss, damage, inconvenience, claim rejection, emotional distress, or financial harm resulting directly or indirectly from: o Use or misuse of this product; o Any errors, omissions, or inaccuracies in the materials; o Delays or decisions by third parties, including but not limited to Close Brothers, FOS, FCA, or ICO. We strongly recommend seeking independent legal advice before initiating formal legal or regulatory proceedings, particularly in complex or high-value matters.
4. Eligibility and Use To access, download, or use the Claim Your Commission DIY Kit, you must agree to and meet the following eligibility and usage conditions: • You are at least 18 years old and have the legal capacity to enter into binding agreements; • You are the original purchaser of the product or have been granted explicit, authorised access; • You may only use this kit for personal, non-commercial purposes related to a complaint in your own name; • You must not attempt to resell, license, sublicense, redistribute, or otherwise commercially exploit the content of this kit; • You must not submit claims on behalf of others, impersonate another person, or engage in fraudulent or deceptive conduct; • You agree to verify the relevance, accuracy, and applicability of all templates, timelines, trackers, and guidance before use; • You acknowledge that misuse of the kit may lead to your access being revoked and may constitute a breach of legal or regulatory obligations under UK law. By using this product, you agree to act responsibly, in good faith, and in compliance with applicable laws, including data protection and consumer protection legislation.
5. Intellectual Property & Licence All content, materials, and resources provided within the Claim Your Commission DIY Kit—including but not limited to templates, designs, text, documents, guides, trackers, email formats, graphics, layouts, formatting, and supporting documentation—are the intellectual property of Y4 CSTM Ltd, trading under the brand name Claim Your Commission. These materials are protected under UK and international copyright, trademark, and intellectual property laws. By purchasing, downloading, or accessing this product, you agree to the following terms: Licence Grant We grant you a limited, non-exclusive, non-transferable, revocable, single-user licence to: • Access and use the content for your personal and non-commercial purposes only; • Modify templates solely for the purpose of adapting them to your personal circumstances. This licence does not grant you ownership of the product, and you must comply with all usage restrictions outlined below. Prohibited Uses You may not, under any circumstance: • Share, resell, redistribute, sublicense, or commercially exploit any portion of the kit; • Publish or upload the contents (in whole or in part) to any public website, social media, or shared platform; • Alter, remove, or obscure any copyright, trademark, or proprietary notices; • Represent any of the materials as your own intellectual property or offer them for sale or reproduction; • Use the kit in a manner that violates any law, regulation, or third-party rights. Violation of these terms will result in immediate termination of your licence and may result in legal action for breach of intellectual property rights.
6. Payments, Refunds, and Access Payments • All payments for the Claim Your Commission DIY Kit are processed through secure third-party payment gateways such as Stripe, PayPal, or other designated processors. • By completing your purchase, you agree to the terms and conditions of the chosen payment provider. Access to Product • Upon successful payment, access to the digital files will be delivered via automated email link or direct download. • Please ensure that your email address is entered correctly at checkout. If you do not receive your files within 1 hour, please check your spam/junk folders. If you still do not receive access, contact us at info@claimyourcommission.co.uk within 48 hours of purchase. Refund Policy Due to the instant digital nature of the kit, all sales are final. By purchasing the kit, you expressly agree to: • Waive your right to a refund under the UK’s Consumer Contracts Regulations (CCR) for digital content; • Accept that once access has been granted to the digital files, your purchase is non-cancellable and non-refundable. We do not offer partial refunds, store credit, or exchanges for incorrect purchases, user error, or change of mind. If you experience technical issues accessing the files, please contact our support team at the email provided. While we are not obligated to issue refunds, we are committed to ensuring access to the product you have paid for.
7. Third-Party Links and Referrals The Claim Your Commission DIY Kit may contain references, hyperlinks, or embedded information that directs you to third-party websites, services, or regulatory authorities. These may include, but are not limited to: • Official websites for the Financial Conduct Authority (FCA), Financial Ombudsman Service (FOS), and Information Commissioner’s Office (ICO); • External claim management firms or legal services listed as optional partners; • Referral links through which Claim Your Commission may receive compensation or commission for leads or conversions. Disclaimers: • We do not control, endorse, or assume responsibility for the content, accuracy, availability, or reliability of third-party sites or services. • Referral listings are provided for informational purposes only and do not constitute legal, financial, or professional endorsements. • You are under no obligation to engage with any referred provider or external resource, and any engagement is at your own discretion and risk. You should perform your own due diligence before relying on or entering into any arrangement with third-party providers, including reviewing their terms of service, privacy policies, and regulatory authorisations.
8. Data Protection Claim Your Commission, a brand of Y4 CSTM Ltd, is committed to protecting your privacy and complying with applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. What We Collect: • We do not collect personal or sensitive data unless you voluntarily provide it (e.g. through direct communication or customer service enquiries). • We do not require any personal information to access or use the DIY kit, unless for order fulfilment or support. How We Handle Your Data: • All email correspondence or information submitted voluntarily (e.g. enquiries) will be handled confidentially and stored securely. • We do not sell, trade, or rent personal information to third parties. • If you contact us (e.g. via email), your message and email address may be retained for support or record-keeping purposes, but will not be used for marketing without explicit consent. For full details on how we collect, process, store, and protect your personal data, please refer to our [Privacy Policy], which forms part of these Terms.
9. Limitation of Liability To the fullest extent permitted by applicable UK law, you acknowledge and agree that: • Claim Your Commission, Y4 CSTM Ltd, its directors, employees, contractors, agents, or affiliates shall not be held liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to: o Financial loss or loss of income; o Loss of opportunity; o Reputational damage; o Claims rejected by lenders, regulatory bodies, or the Financial Ombudsman Service (FOS); o Delays in processing complaints or the outcome of any regulatory or legal proceeding; o Errors in user-submitted information or failure to follow appropriate guidance. • Liability shall not apply even where the potential for such loss was foreseeable or previously advised. • In all circumstances, the maximum aggregate liability of Claim Your Commission and Y4 CSTM Ltd shall be strictly limited to the purchase price paid for the DIY kit. • By purchasing and using this product, you acknowledge that all templates, documents, and tools are provided “as-is”, and that outcomes of claims or regulatory investigations are beyond our control. You accept full responsibility for how you use the kit and whether it is appropriate for your specific circumstances.
10. Amendments and Modifications We reserve the right to update, modify, or amend these Terms and Conditions at any time, without prior notice. • Any changes will be made available through our official website or at the point of sale. • It is your responsibility to review the most current version of the Terms prior to using the product. • Continued use of the kit or associated materials following the publication of any amendments will be considered as your acceptance of the updated Terms. If you do not agree with the revised Terms, you must discontinue use of the product immediately.
11. Termination of Use We reserve the right to suspend or permanently revoke your access to the Claim Your Commission DIY kit, associated content, and support resources if you: • Breach or violate any provision of these Terms and Conditions; • Engage in misuse, tampering, or unauthorised modification of any part of the product; • Use the product for unlawful, misleading, or deceptive practices; • Attempt to resell, distribute, copy, or share the kit or its contents without prior written permission; • Provide false information in the context of a claim or misuse the templates for fraudulent or unethical purposes. Access revocation may be immediate and without prior notice. Termination does not entitle you to a refund. Your purchase is considered final, and digital content is non-returnable under UK law once delivery has commenced. We reserve the right to pursue legal action or report any misuse or fraudulent activity to the appropriate authorities, regulators, or platforms.
12. Governing Law and Jurisdiction These Terms and Conditions, as well as your use of this product, shall be: • Governed by and construed in accordance with the laws of England and Wales; • Subject to the exclusive jurisdiction of the courts of England and Wales in the event of any disputes or claims arising in connection with these Terms, your use of the kit, or your relationship with Y4 CSTM Ltd. By purchasing or using the Claim Your Commission DIY kit, you confirm that you understand and agree to be bound by these legal provisions.
13. Contact Information For questions or concerns regarding these Terms, please contact: Claim Your Commission (Y4 CSTM Ltd) Email: info@claimyourcommission.co.uk Registered Office: 212a Brick Lane, Ground Floor, London, England, E1 6SA
Privacy Policy.
Effective Date: 24/03/2025 This Privacy Policy outlines how Y4 CSTM Ltd, trading as Claim Your Commission (“we”, “us”, or “our”), collects, uses, stores, and protects your personal information in connection with your purchase and use of our DIY claim kit. We are committed to ensuring your privacy is protected and that your data is handled lawfully and transparently under the UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018.
1. Who We Are • Business Name: Claim Your Commission (a trading name of Y4 CSTM Ltd) • Company Number: 14922060 • Registered Office: 212a Brick Lane, Ground Floor, London, England, E1 6SA • Data Controller: Y4 CSTM Ltd • Contact: info@claimyourcommission.co.uk
2. What Information We Collect We may collect and process the following types of personal data when you: • Purchase or download the DIY kit; • Contact us via email or social media; • Join our mailing list or submit an enquiry; • Interact with our platform or participate in feedback surveys. Personal data may include: • Full name • Email address • Billing address • Payment details (processed securely via third-party processors) • Communication records (e.g. emails or messages) • IP address, device type, and general location data (from website analytics tools)
3. How We Use Your Information We will use your personal data only when legally permitted. The most common uses include: • Processing your order and delivering access to the DIY kit; • Responding to customer support or legal enquiries; • Notifying you of updates or changes to the kit; • Conducting internal analytics or performance tracking; • Sending you important updates or optional promotional content (only with consent).
4. Legal Basis for Processing We process your data under the following legal bases: • Contractual Necessity – to fulfil our obligations to deliver the product/service you purchased; • Legitimate Interests – for fraud prevention, service optimisation, and record keeping; • Consent – where you’ve explicitly opted into marketing communications; • Legal Obligations – where required for accounting or compliance with UK law.
5. Data Sharing and Disclosure We do not sell or share your personal data with third parties for marketing purposes. We may share your data with: • Service providers such as email, payment, and cloud storage platforms (e.g. Stripe, PayPal, Microsoft, Google); • Professional advisers including legal or accounting partners; • Regulatory authorities where required by law or to comply with a court order; • Successors in the event of a business sale, merger, or restructuring. All third parties are contractually bound to respect the confidentiality and security of your data.
6. Data Retention We retain your data only as long as necessary for the purpose it was collected: • Purchase and billing data: 6 years (for tax and legal compliance); • Customer support communications: 2 years; • Mailing list (if opted in): until you unsubscribe; • Analytics and tracking data: stored per provider's policy (e.g. 26 months for Google Analytics). You can request deletion of your personal data at any time (see Section 9 below).
7. Data Security We have implemented appropriate security measures to prevent your personal data from being accidentally lost, accessed, or disclosed without authorisation. This includes: • SSL encryption for our website; • Secure payment gateways; • Access controls and password protection for internal systems; • Regular backups and software updates. Despite our best efforts, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
8. Cookies and Analytics We may use cookies and third-party analytics (such as Google Analytics or Meta Pixel) to track website usage, performance, and user engagement. Cookies may collect anonymous technical data including: • Device and browser type; • Time spent on pages; • Click-through rates; • General location (region or country). You can manage your cookie preferences through your browser settings or our cookie banner (if used on a future site).
9. Your Rights Under UK GDPR You have the following rights regarding your personal data: • Right to Access – Request a copy of the data we hold about you; • Right to Rectification – Request corrections if your data is inaccurate; • Right to Erasure – Ask us to delete your data, subject to legal limits; • Right to Restrict Processing – Request limited use of your data in certain cases; • Right to Object – Object to processing based on our legitimate interests; • Right to Data Portability – Request your data in a structured, machine-readable format; • Right to Lodge a Complaint – With the Information Commissioner’s Office (ICO) at ico.org.uk. To exercise any of these rights, contact us at: info@claimyourcommission.co.uk
10. Updates to This Privacy Policy We may update this Privacy Policy to reflect legal, operational, or service changes. • The latest version will always be published on our website and/or distributed with the kit; • Material changes will be communicated via email (where consent has been given). Last updated: 24/03/2025
Disclaimer Policy.
Claim Your Commission A trading name of Y4 CSTM Ltd (Company No. 14922060) Registered Office: 212a Brick Lane, Ground Floor, London, England, E1 6SA
1. Educational Purpose Only The materials provided in this DIY Claim Kit (hereafter referred to as “the Kit”) are strictly for educational use. The purpose of the Kit is to help individuals understand how to raise complaints relating to potential non-disclosure of commissions in motor finance agreements, in light of relevant legal and regulatory developments — including but not limited to the Court of Appeal judgment in Hopcraft v Close Brothers Ltd and ongoing investigations by the Financial Conduct Authority (FCA). The Kit provides a general overview of the complaint process, outlines typical correspondence sequences, and includes editable templates and trackers to assist users in organising and pursuing their claims independently. Nothing within this Kit should be interpreted as: • Legal advice, • Financial advice, • Professional representation, or • A substitute for consulting a qualified solicitor, regulated claims firm, or financial adviser. You remain solely responsible for your claim. While the Kit may help guide you through the process, Claim Your Commission, its creators, and affiliated entities do not offer advice or recommendations about the likelihood of your claim succeeding.
2. No Guarantee of Outcome or Eligibility This Kit has been created based on a specific understanding of industry practices, complaint-handling rules, and current regulatory guidance. However, it does not guarantee: • That you meet the eligibility criteria to bring a claim, • That your lender will accept your complaint or make an offer, • That the Financial Ombudsman Service (FOS) will uphold your case, • Or that you will receive any compensation whatsoever. 2 Each motor finance agreement and consumer’s circumstances are unique, and claim outcomes depend on various factors including, but not limited to: • The structure of your finance agreement, • Whether commission was paid and disclosed, • The response of your lender, • The stage of your finance agreement (settled, terminated, outstanding, repossessed, written off, etc.), • And any relevant regulatory or legal developments. This Kit helps you make a complaint based on your own initiative. The viability, strength, and outcome of any complaint rests entirely with you and the evidence you provide. We make no assurances that a complaint initiated using this Kit will result in compensation, redress, or any financial remedy.
3. No Liability for Use or Misuse Claim Your Commission, its parent company Y4 CSTM Ltd, and all affiliated creators, contributors, or third-party suppliers shall not be held liable for: • Any direct or indirect loss resulting from the use, misuse, or failure to use the Kit; • Any delays, rejections, or missed opportunities arising from errors, omissions, or failures to follow the guidance properly; • Any legal consequences resulting from inaccurate information being submitted by the user to third parties; • Financial, reputational, or regulatory consequences stemming from your decision to submit a complaint based on the materials provided; • Changes in law, regulation, or ombudsman policy that may render parts of the Kit outdated or irrelevant after purchase. By purchasing and using this Kit, you accept full responsibility for your actions and decisions, including the sending of any correspondence, escalation of complaints, and submission of any evidence. You acknowledge that this Kit is self-service in nature and does not constitute personalised support, representation, or regulatory advice.
4. Copyright and Intellectual Property 3 All materials included in this DIY Claim Kit — including but not limited to templates, guides, email formats, trackers, checklists, graphics, logos, and written content — are the intellectual property of Y4 CSTM Ltd (Company No. 14922060), trading under the brand name Claim Your Commission. These materials are protected by UK copyright law and international copyright treaties. You are granted a single-user, non-transferable licence to access, download, and use the Kit for personal, non-commercial purposes only. You are strictly prohibited from: • Copying, redistributing, reselling, or sublicensing any part of the Kit, • Using the Kit or any included materials for the creation of competing products or services, • Republishing or adapting any part of the Kit for use on websites, social media, or any public platform without express written permission from Y4 CSTM Ltd. Breach of these conditions may result in legal action for damages and/or injunctive relief. If you would like to licence this material for educational, institutional, or professional use, please contact us directly for permission.
5. No Affiliation with Regulatory Bodies or Financial Institutions Claim Your Commission and its parent company Y4 CSTM Ltd are independent, private entities. We are not affiliated with, endorsed by, or operating on behalf of: • Close Brothers Ltd or any other financial institution; • The Financial Ombudsman Service (FOS); • The Financial Conduct Authority (FCA); • The Information Commissioner’s Office (ICO); or • Any law firm, claims management company, or consumer rights organisation. References made to these institutions within the Kit are for informational and contextual purposes only. All external organisations retain their own authority and decision-making power. We do not represent users before these bodies, nor do we claim to speak on their behalf. The processes and outcomes of complaint resolution are entirely within the control of those regulatory bodies and financial institutions. Use of the Kit does not constitute endorsement or approval by any third party.
6. Refund Policy and Liability Waiver No Refund Policy All purchases of the Claim Your Commission DIY kit are final and non-refundable. Due to the digital nature of the product and immediate access to all materials upon purchase, we do not offer refunds under any circumstances, including but not limited to: • A change of mind; • Perceived lack of results; • Incompatibility with your specific financial situation; • Disputes with a third party (e.g. a finance provider or regulatory body); • Missed deadlines or submission errors. We strongly encourage all users to review their claim eligibility using the included checklist before purchase. If you are unsure whether this Kit is suitable for your situation, seek independent advice before proceeding. No Guarantee of Outcome This Kit is provided as a guide to assist you in preparing and submitting a complaint or claim regarding motor finance commissions. While it has been developed with care and insight from real-world cases, no guarantee is made regarding the success, financial outcome, or regulatory decision in any individual case. Claim outcomes depend on many factors outside of our control, including: • Your agreement type and commission structure, • Your communication and documentation with the lender, • The policies of the financial institution involved, • The interpretation of facts by regulatory bodies (FCA, FOS, ICO). By purchasing and using this Kit, you accept that Y4 CSTM Ltd, trading as Claim Your Commission, is not liable for the outcome of your claim or any related consequences.
7. Data Protection & Privacy 5 We are committed to protecting your privacy and complying with the UK General Data Protection Regulation (UK GDPR). What We Collect The Claim Your Commission DIY kit does not collect personal data during use. The kit is downloaded directly by the user and completed independently. We do not store or transmit any of the data you input into the templates, trackers, or forms. Purchases and Analytics If you make a purchase, limited information (such as your email address and payment confirmation) may be collected via our secure payment processor (e.g. Stripe, PayPal). This information is used solely to: • Process and confirm your purchase; • Provide product access; • Comply with tax and regulatory obligations; • Track aggregate, anonymised performance data to improve our services. We do not sell, share, or rent your personal information to any third parties. Any third party partners (e.g. claims management firms or affiliates) will only be provided information if you explicitly opt-in through a referral or contact form. For more details, please refer to our [Privacy Policy]
8. Jurisdiction and Legal Interpretation This DIY kit, and any disputes or claims arising out of or in connection with it, shall be governed by and construed in accordance with the laws of England and Wales. By purchasing and using this product, you agree that: • Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales; • You will not pursue legal action against Y4 CSTM Ltd (trading as Claim Your Commission) for claim outcomes, refund requests, or complaints related to the performance or use of this kit; • Any legal notices must be served in writing to the following address: Y4 CSTM Ltd Trading as Claim Your Commission Company No: 14922060 212a Brick Lane, Ground Floor London, England E1 6SA This disclaimer is intended to protect the intellectual property and legal position of the business, and shall be interpreted to give maximum lawful effect in favour of the publisher and its directors. If any provision in this disclaimer is deemed unenforceable by a court of law, the remainder shall remain in full force and effect.
9. Amendments and Version Control We reserve the right to update, revise, or modify this kit, its contents, disclaimers, and supporting materials at any time, without prior notice. Updates may include: • Changes in regulatory guidance (e.g. from the FCA, FOS, or ICO); • Case law developments (e.g. Supreme Court rulings); • New templates, FAQs, or best practices. Where materially significant updates are made: • Users who purchased the kit within the last 90 days may request a free updated version; • Users are advised to check for announcements on our official content channels or website. The current version of this disclaimer was last updated on 23/04/2025. By continuing to use the kit after updates are made, you agree to be bound by the revised terms.