Terms & Conditions
As of 12th February 2024

INTRODUCTION
On clicking to accept these Terms and Conditions, you will receive access to Cleardown Solutions’ services including our Reclaim Portal website. This access will last until you notify us that you would like to cancel. We will retain your data in order to provide you with updated information about your possible unclaimed funds and assets. The data on our website is refreshed every time you undertake significant action to withdraw or reclaim funds or assets, or one of our partners amends their database to allow us to maintain current information and to ensure all possible matches are brought to your attention.

Please note that as circumstances change, we may update these Terms and Conditions. If there is a material change, we will notify you of it.

SUMMARY

Set out below are important points for you to note when using our website. They summarise the fuller terms on this site and we recommend that you read all our Terms and Conditions (the “Terms”) and the Privacy Notice before using our services.

Use of our website is subject to these Terms. If you do not, or cannot, agree to them, please stop using the website immediately.

You may only use our website for your own personal use or in the capacity of an Authorised Representative of a third party (e.g. as an executor, administrator, attorney or deputy).

In order to use this site, you must provide us with some information. You are solely responsible for the accuracy and validity of that information. It is a criminal offence to obtain any financial asset by deception or to attempt to do so and we may need to inform the relevant authorities if we believe you have provided false information or have access the site without proper authority.

Our service is free to use. We may, from time to time with your permission, provide access to certain their party products and services.

DEFINITIONS

In these Terms, “we”, “us”, “our”, and “Cleardown Solutions” all refer to Cleardown Solutions Limited, a company registered in England and Wales (Registration No. 15197674) at Bartle House, 9 Oxford Court, Manchester, England, M2 3WQ.

“product or service provider” means the manufacturer, supplier, distributor or provider of any service or product that is available on our website.

“website” and “site” means Reclaim Portal at www.reclaimportal.co.uk and any mobile application or similar device, channel or application related to Reclaim Portal and operated by or on behalf of Cleardown Solutions.

“you” and “your” memans you as the person who accesses and uses our website.

“match” means Cleardown Solutions’ search and comparison technology has identified a possible connection between the details that have been provided to us by a financial services firm and you.

“natural person” means an individual human being, i.e. not a machine.

ACCEPTANCE OF THESE TERMS AND CONDITIONS

If you access and use our website you agree to be bound by and act in accordance with these Terms and Conditions (the “Terms”) and we ask you to read our Privacy Notice also. If you do not or cannot, agree to these Terms, you are not permitted to access and use the website and you should immediately stop using or accessing the content.

OUR SERVICES

Cleardown Solutions operates and maintains the Reclaim Portal – a central hub designed and built to help you to process your instruction to reclaim or donate to charity your funds or assets which may be due to you or a third party for whom you are legally authorised to act.

Following the token validation stage, and acceptance of our Terms, Reclaim Portal will present you with a description of the unclaimed funds or assets that the token has been linked with, including (but not exhaustively) their value and the UK financial institution or other third party that holds them. This information is presented to you on the condition that the unclaimed finds or assets are either: i) registered in your name; or ii) registered in the name of a deceased person for whose Estate you are legally authorised to act; or iii)registered in the name of a living person for who financial affairs you are legally authorised to act; or iv) registered in the name of a corporation for whom you have the authority to act in this matter.

Reclaim Portal will provide you with the details of all unclaimed funds or assets that we are aware of, where the legitimate owner is the same throughout.

Where you indicate you wish to withdraw the unclaimed funds or assets you will be signposted to the UK financial institution or other third party that is holding them for processing.

Where you indicate you wish the funds or assets to be donated to charity then we ask you to provide your personal information and confirmation of instruction in order that we can pass that instruction to the holding financial firm or third party with evidence of your request.

A Match does not guarantee an actual entitlement.

Reclaim Portal is a matching service only. We will not retrieve any assets for you. You will need to contact directly the relevant financial institution or third party, and satisfy their authentication procedures before claiming any assets. Similarly an instruction to donate funds or assets to charity will be subject to due diligence measures prior to completion.

We recognise that the information you supply and/or the information held by financial institutions may be incomplete, out of date and/or inaccurate in certain respects which is why we cannot give you any assurance that:

Any unclaimed assets or funds exists;

Any Match will give rise to any form of entitlement; and

There will be an entitlement which may be due to you either when you first use the service or at any point in the future.

For the protection of those genuinely entitled to unclaimed funds and assets, we reserve the right too notify any concerns we may have about any instruction received to the police or any relevant authority in order to detect o prevent illegal instructions and/or transactions.

We will provide our service with all reasonable care and skill. All other warranties, representations and terms of equivalent effect are excluded to the full extent permitted by law.

YOUR RESPONSIBILITY TO US

Appropriate authority and data consent

In order to validate your token through our website and to utilise the Reclaim Portal, you will need to provide your date of birth. Should you wish to provide an instruction for funds or assets to be donated to charity you will need to provide some key pieces of personal information, including: your full name(s), your current address, a valid email address, ad a contact number.

By clicking to accept these Terms, you provide your consent for us to capture, process and store your data.

Your information and consent is needed to validate your identity and, if relevant, the identity of any person (whether alive or deceased) for whom you may be acting (together with the relevant authority enabling you to act).

Where you are legally authorised to act in relation to: i) a living person; or ii) the Estate of a deceased person; or iii) a corporation for whom you are an authorised representative, you will be required to evidence your authority via appropriate legal documentation.

In submitting any person’s details, you are confirming to us that you have the appropriate permission to do so, and that, if they are a living person, they understand how their information will be used.

Full, accurate and complete information

You are solely responsible for ensuring that you answer all questions honestly on the website and that all information you provide to Cleardown Solutions is true, accurate and complete. Faulty information may materially affect the outcome of any search undertaken through Reclaim Portal. False or deliberately inaccurate information may leave you open to criminal prosecution.

Legal entitlement to the assets

For the avoidance of doubt:

1. You should not attempt to identify or claim any asset or funds to which you cannot provide you are genuinely entitled; and,

2. You should not attempt to identify or claim any asset relating to any third party for which you cannot provide you are legally entitled to act.

Indemnity

We will hold you financially responsible for any and all damage or loss that Cleardown Solutions incl;uding its directors, employees and related persons may suffer as a result of your use of the website and related services or from any breach of these Terms. The only exception is where it can be shown that the loss or damage was as a result of our fraud or negligent misconduct.

No remedy

A breach of these Terms may cause immediate and irreparable damage to Cleardown Solutions for which there may be no adequate remedy by law. You agree that in the event of such a breach we may seek relief from a court without having to prove that we have suffered financial loss.

THIRD PARTY SERVICES

Our service is entirely free but in some circumstances you may be required to pay the costs and charges levied by a financial institution and/or their third-party administrator when claiming an entitlement. Typical examples include, but are not limited to, lost certificate indemnity fees and insurance countersignature charges. Additional costs and charges will, in most cases, depend upon the type and value of the asset or funds you are claiming.

OUR RESPONSIBILITY TO YOU

Please take the time to carefully review the following information, as the law allows us to set certain limits on our liability to you.

We have made significant efforts to ensure that the information provided through our website and services is both accurate and current. We retain the authority to modify, remove, or update information on our website at any given time. Despite employing advanced technology to prevent viruses and other harmful entities, we cannot assure complete immunity of our website and its contents from viruses or similar harmful elements.

Our liability does not extend to factors beyond our control or to your success or failure in locating unclaimed funds or assets through Reclaim Portal.

Unless specifically stated in these Terms, we do not guarantee that the website and associated services will meet your specific needs or perform in a certain way. Our services are offered "as is," and you assume full responsibility for your use of them.

We cannot guarantee that the website and services will be sufficient, accurate, reliable, timely, complete, or error-free, nor can we ensure their delivery will be without delays, continuous, or devoid of mistakes.

Our liability for any claims will not exceed the amount you have paid to Cleardown Solutions, and we will not be liable for any unforeseen losses incurred under these Terms.

We will not bear any costs or losses that you incur directly or indirectly from your use of Reclaim Portal and the services to locate unclaimed assets. We will not be liable for any losses resulting from events or a series of events beyond our reasonable control.

We are not accountable for any external commentary, opinions, ratings, or postings on our website.

THIRD PARTY LINKS

You have the ability to access external websites through hyperlinks provided on our website or sent to you via email as a component of our service. These external sites are managed by independent third parties. We are not responsible for any content, information, products, or services available on or through these third-party websites, as they fall outside our jurisdiction.

Cleardown Solutions reserves all rights not explicitly granted, including intellectual property and proprietary rights in the services and their contents.

Website Ownership

It is important to recognise that the development, organisation, and preparation of the website have involved significant expertise, effort, time, and financial investment, establishing it as our exclusive property with all proprietary rights retained by Cleardown Solutions.

Authorised Use

This website is intended solely for individual users. We actively monitor the usage of our services to prevent unauthorised activities such as screen scraping, web data extraction, and bulk downloading. Should we detect excessive usage prior to delivering token validation results, we reserve the right to terminate the token validation and may pursue legal action against those using our service without authorisation.

Permitted Copying

The material on this website, unless licensed to Cleardown Solutions, is owned by us. Individuals are allowed to print sections of this material (excluding images) for personal use, subject to the following conditions:

The material is used solely for personal searches for unclaimed funds or assets.

Any reproduced content must include the original copyright or intellectual property notices.

The website's content, technology, and processes, which may be protected by trademarks, service marks, domain names, design rights, know-how, patents, and rights in inventions (whether registered or unregistered), cannot be used without the proper permission.

Images on the website, owned by third parties, cannot be reproduced or used without the explicit consent of the respective owners.

Logos, trademarks, or service marks appearing on the site cannot be reproduced or copied, except as part of the text in which they are included.

Our objective is consistently to deliver a service of the highest quality. However, we acknowledge that there will be times when we don't quite meet our own exacting standards. Should this occur, we encourage you to inform us so that we can improve in the future.

At Cleardown Solutions, we treat every complaint with the utmost seriousness, and we have established a complaints procedure that is available here for your reference.

Should your complaint pertain to a financial institution or a third-party administrator, please ensure you direct your complaint specifically to them.

Should you wish to get in touch with us at any point, kindly send an email to: help@cleardown.co.uk

We regularly check our emails and will endeavour to reply to you promptly.

GOVERNING LAW

These Terms and any non-contractual obligations arising out of or in connection with them shall be governed by English law. Notwithstanding the provisions of the Contracts (Rights of Third Parties) Act 1999, none of these Terms is enforceable by a person who is not a party to them.

These Terms and Conditions were updated on 12th February 2024.

Terms & Conditions As of 12th February 2024

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Terms & Conditions
As of 12th February 2024