Last Updated: July 2026

This Privacy Policy explains how Conclusive Financial Ltd, collects, uses, stores, shares and protects your personal information.

This Privacy Policy has been prepared in accordance with:

  • UK General Data Protection Regulation (UK GDPR)
  • Data Protection Act 2018
  • Privacy and Electronic Communications Regulations (PECR)
  • FCA Claims Management rules
  • FCA Consumer DutyWe are committed to processing your information fairly, lawfully and transparently.

1. Who We Are
Conclusive Financial Ltd provides claims management services relating to financial products, including motor finance and Conclusive Financial Ltd. We are the Data Controller for the personal information described within this Privacy Policy.

2. Personal Information We Collect
We may collect:

  • Identity information (name, DOB, address history)• Contact details
  • Vehicle and finance agreement details
  • Lender details
  • Credit report information
  • Identification documents
  • Bank details where required
  • Call recordings and correspondence
  • Website usage data, cookies, IP address and device information
  • Marketing preferences
  • Complaint information
  • Vulnerability information where relevant.

3. How We Collect Information
We collect information directly from you, via our website, telephone calls, email, introducers, marketing partners,
authorised lead generators, lenders, panel solicitors, credit reference agencies, publicly available sources and
regulators where appropriate.

4. Lawful Basis
Depending upon the activity we rely upon:

  • Consent
  • Performance of a contract
  • Compliance with legal obligations
  • Legitimate interests
  • Establishment, exercise or defence of legal claims.

5. Credit Reference Agency Searches
With your consent we instruct Valid8 IP Ltd to obtain information from Experian, Equifax and/or TransUnion.
These searches are ‘soft searches’ and do not affect your credit score. Information is used solely to identify
potential claims and verify eligibility.

6. Automated Decision Making
Technology may assist in identifying potential claims. No decision producing legal or similarly significant effects is
made solely by automated means without meaningful human involvement.

7. Who We Share Information With
Information may be shared where necessary with:

  • Panel solicitors
  • Lenders and finance providers
  • Valid8 IP Ltd
  • Experian, Equifax and TransUnion
  • FCA
  • Financial Ombudsman Service
  • ICO where legally required
  • Professional advisers
  • Auditors
  • Fraud prevention agencies
  • IT providers
  • Cloud hosting providers
  • Payment providers
  • Regulators and law enforcement.

Sharing Your Information with Panel Solicitors
Where it is necessary to assess, progress or pursue your claim, we may share your personal information with one
or more of our carefully selected panel solicitors. These firms are authorised and regulated by the Solicitors
Regulation Authority (SRA) and will act as independent data controllers in respect of the personal information they
process whilst providing legal services to you.

Our current panel of solicitors includes:

  • ADG Law
  • The Lawroom
  • Benson Goldstein
  • Chase Monro
  • Match Me Legal

We will only share the personal information that is necessary for the solicitor to assess, advise on, investigate and
progress your claim. This may include your contact details, identification information, finance agreement details,
vehicle information, supporting documentation, correspondence, and where applicable, credit report information
obtained with your consent.

The solicitor appointed to your claim will process your personal information in accordance with their own Privacy
Policy and professional obligations. Once your information has been shared, they are responsible for their own
processing activities as an independent data controller.

We take reasonable steps to ensure that all panel firms maintain appropriate technical and organisational measures
to protect your personal information and comply with applicable data protection legislation.

8. International Transfers
If information is transferred outside the UK we ensure appropriate safeguards are in place including adequacy
decisions or approved contractual clauses.

9. Retention
Enquiry records are generally retained for up to 12 months. Customer files are normally retained for at least 6
years following completion of the relationship or longer where required by FCA rules, litigation, complaints or
other legal obligations.

10. Marketing
Marketing is carried out only where permitted by law or where you have consented. You may withdraw consent at
any time.

11. Cookies
Please see our Cookie Policy for full details regarding cookies and website tracking technologies.

12. Your Rights
You have the right to:

  • Access your data
  • Rectify inaccurate information
  • Request erasure• Restrict processing• Object to processing
  • Data portability
  • Withdraw consent
  • Rights regarding automated decision making.

13. Complaints
If you are dissatisfied you should contact us first. You also have the right to complain to the Information
Commissioner’s Office.

14. Security
We operate technical and organisational security measures including encryption where appropriate, restricted
access, staff training, monitoring, secure disposal and incident response procedures.

15. FCA Regulatory Processing
As an FCA regulated claims management business we process personal information to:

  • Assess eligibility for claims
  • Investigate claims
  • Liaise with lenders and panel solicitors
  • Prevent fraud
  • Meet Consumer Duty obligations
  • Comply with FCA rules
  • Handle complaints
  • Maintain regulatory records
  • Defend legal claims where required.

16. Contact Details
Conclusive Financial
Suite 3, 2nd Floor Didsbury House748–754 Wilmslow Road
Manchester
M20 2DW
Email: jonathan@conclusivefinancial.co.uk

Version Control
Version 3.0

Review Frequency: Annually or following any regulatory change.

This document has been drafted to reflect UK GDPR and FCA claims management expectations. It should be
reviewed by your compliance function and legal advisers before publication.