Privacy Policy

LINKAROO LIMITED — Privacy Policy

Last updated: 26 October 2026

1. Who we are and how to contact us

Linkaroo Limited is responsible for the personal information it uses for its website, offers, marketing and referral services. In data protection law, this makes us a data controller. We are registered in England and Wales under company number 16791866.

Contact details

• Email: info@linkaroo.co.uk
• Telephone: 0330 057 3180
• Post: Privacy enquiries, Linkaroo Limited, 20 Wenlock Road, London, England, N1 7GU

This notice covers our voucher and affiliate services, incomplete applications and referrals to claims management businesses, including referrals concerning motor finance claims.

It should be read alongside the information shown on the relevant form and our Cookie Policy.

We apply the UK GDPR, the Data Protection Act 2018 and the Privacy and Electronic Communications Regulations 2003 (PECR), as amended. Reading this notice, browsing our website or submitting a form does not, by itself, give marketing consent.

2. Information we collect

The information we collect depends on the service you use. It may include:

• Your name and contact details.
• Your date of birth and current or previous addresses, where required.
• Your communication preferences, interests and feedback.
• Enquiries, support requests and correspondence.
• Details needed to identify, administer and route a referral.
• Information about an application, including whether it has been started or completed.
• Referral and campaign identifiers, submission times, consent choices and the wording shown when you made those choices.
• Technical information, such as IP address, device and browser details, security logs and website interactions, subject to your cookie choices.

Claims management enquiries

Where you make an enquiry about a potential claim, we may collect the contact and referral information needed to record your request and pass the relevant details to the named claims management business, where you have requested or authorised that referral.

Linkaroo does not collect the detailed information required to assess or manage your claim through the claims management business’s application process. Information such as finance agreement details, lender information, supporting documents and other information needed to assess a claim is collected directly by the claims management business through its own website, forms or processes.

The receiving claims management business will explain its own collection and use of that information in its privacy notice.

Please do not send bank card details, full credit files or sensitive medical information unless specifically requested through an appropriate secure process. We limit collection to what is needed for the stated purpose.

Please keep your contact details and other information up to date. Where we need evidence of identity or authority, we explain what is required and request only proportionate evidence through an appropriate secure process.

Providing information for an enquiry is voluntary. If you do not provide the details needed to respond or make a referral, we may be unable to progress your request. We identify required fields and explain any statutory or contractual requirement and the consequences of not providing the information. Optional marketing choices remain separate.

3. Where information comes from

We receive information:

• Directly from you when you use our website or contact us.
• From the technology used on our website.
• From someone authorised to act for you, where applicable.
• From introducers or marketing partners where the information has been lawfully collected and shared.
• From a referral provider, which may return limited acceptance, duplicate-check or progress information so that we can administer the introduction.

If you provide information for someone else, you must have authority to do so and make this notice available to them. We may ask for evidence of your authority. Authority to submit an enquiry does not automatically allow you to consent to marketing for that person; we check the scope of any authority and the validity of any consent relied on.

If we receive your information indirectly, we will explain its source, categories and intended use, normally at our first communication, before first disclosure, or within one month, whichever applies first, unless a lawful exception applies. You can ask us which organisation supplied your details.

4. Our purposes and lawful bases

We use personal information for the purposes below.

Responding to an enquiry

We use relevant contact details and correspondence under our legitimate interests in answering questions and administering our services. This does not, by itself, authorise unsolicited marketing.

Processing claims management referrals

Where you make an enquiry and request or authorise a referral, we use the relevant information to record your request and pass the information identified on the form to the named claims management business for the stated purpose. Depending on the circumstances, we may rely on your request, our legitimate interests in administering the referral, or another applicable lawful basis.

A request for a particular response is separate from permission for ongoing marketing. We retain evidence of your request and choices.

Incomplete applications and follow-up contact

If you begin an application on Linkaroo’s website but do not complete it, we may use the contact details you have provided to contact you about your incomplete application and invite you to continue, so you can proceed with the application and hear about relevant products or services.

We consider this may be in our legitimate interests because it helps us respond to enquiries, support people who have started an application and improve the effectiveness of our services. We consider your reasonable expectations, the nature of the contact, its potential impact on your privacy and whether the contact is necessary and proportionate.

You may object to the use of your personal information for direct marketing at any time. Our reliance on legitimate interests as a data protection lawful basis does not override separate requirements under electronic marketing law. Whether we can contact you by telephone, email or text depends on the applicable rules and the nature and purpose of the communication. Where consent is legally required, we will not rely on legitimate interests instead.

Optional affiliate marketing

Where you opt in, we may use your contact information for the affiliate marketing described when you make that choice. Where applicable, we may share the relevant information with the affiliate businesses identified or described in the consent wording, so they can contact you within the scope of your choice.

Affiliate marketing permission is separate from a request to process an application or make a claims management referral. You can withdraw your consent at any time.

Security, fraud prevention and limited duplicate checks

We use legitimate interests to protect our services, avoid repeated referrals and investigate misuse. Checks are proportionate and restricted to necessary identifiers. Before a check discloses information to another controller, the collection notice identifies the recipient and the basis for that disclosure.

Referral administration and payment reconciliation

We use legitimate interests to verify introductions, resolve queries and reconcile fees using the minimum necessary information. We use aggregated reporting where individual details are unnecessary.

Service improvement

We use feedback and limited operational records under our legitimate interests in understanding enquiries and improving service quality. Optional tracking remains subject to section 10. We use anonymous statistics where possible; combined or aggregated information remains personal data if someone can be identified from it.

Legal duties and disputes

We process records to meet applicable statutory obligations, such as tax and data protection duties. We may also retain necessary evidence under legitimate interests to establish or defend legal claims. We identify the actual obligation rather than treating every business purpose as a legal duty.

Where we rely on legitimate interests, we consider the impact on your rights and reasonable expectations. You can ask for further information about that assessment or object. We do not use legitimate interests to bypass consent required by PECR.

5. Sensitive information

If health or other special category information is needed to support an enquiry or an accessibility request, we explain why and identify both a lawful basis and a separate special category condition. This may be your explicit consent.

We do not collect this information for routine advertising or infer health conditions to target offers.

6. Your contact choices

Marketing choices are separate from accepting terms or acknowledging this notice. We use clear, unticked choices identifying the organisation, purpose and contact channel. Declining optional marketing does not stop you using an enquiry service.

Incomplete applications

If you leave an application incomplete on Linkaroo’s own website, we may contact you to invite you to continue, as described in section 4. We rely on legitimate interests for this processing where appropriate and lawful, while complying with the separate rules governing the communication method used.

Leaving an application incomplete does not, by itself, give a claims management business permission to contact you for unrelated marketing.

Claims management marketing calls

Claims management marketing calls require prior consent covering the caller. We do not treat absence from the Telephone Preference Service as permission. A call centre working only on our instructions must identify who it is calling for and respect the applicable choices. Another controller needs permission covering its own contact where required by law.

A specific request for help may permit the response you asked for. It does not give indefinite permission for sales follow-up.

You can stop marketing at any time using the unsubscribe link in an email, the opt-out method in a text, by telling the caller, or by contacting us. We stop the marketing covered by your request and instruct relevant service providers accordingly. We may retain a minimal suppression record to prevent you being contacted again.

Necessary, non-promotional messages about an existing request may continue. Withdrawal does not invalidate earlier lawful processing. Where data has already been referred, we explain how to contact the recipient and pass on relevant requests where required; each controller remains responsible for its own processing.

7. Who receives information

Claims management recipients

Before a referral, we identify the receiving legal or claims management business, explain the information and purpose, and provide its privacy notice.

Where you make a relevant claims management enquiry and request or authorise a referral, Linkaroo Limited may share the personal information identified on the relevant form with AM1 Claims Management Limited, which operates under the trading styles AM1 Claims Management and My Reclaim. This is so that the company can respond to your enquiry and explain the claims management services it may be able to provide.

Company details:

• Legal name: AM1 Claims Management Limited
• Company registration number: 10450130
• Registered office: Pacific Chambers, 3rd Floor, Victoria Street, Liverpool, L2 5QQ
• FCA reference number: 765473

The information shared will be limited to what is reasonably necessary for the purpose of the referral. Linkaroo does not collect detailed claims information through its website on behalf of the claims management provider. If you choose to proceed, detailed information about your potential claim will be collected directly by the claims management provider through its own application forms and processes.

Once your information has been shared, the claims management provider will process it in accordance with its own privacy policy and applicable data protection law.

You can read the claims management provider’s privacy policy here: AM1 Claims Management Privacy Policy.

Please review the receiving provider’s privacy notice and terms when directed to its application process.

My Reclaim’s own claims management application process. If you decide to proceed, you will be directed to its process and should review its privacy information before submitting further details.

Service providers

Hosting, email and SMS services, customer records systems, form and electronic-signature providers, security providers and call centres may process information on our instructions under appropriate contracts. If a supplier uses information for its own purposes, its controller role must be explained separately.

Affiliate networks

Where you use an affiliate link, a network such as AWIN and the relevant retailer may receive tracking identifiers and transaction or conversion information for attribution and commission, subject to the applicable tracking choices. Their own notices explain their processing.

Paid introductions and other disclosures

We may receive a payment for an introduction or qualifying affiliate activity. This does not authorise unrelated onward marketing or unrestricted resale of your details. We share only what is necessary for the disclosed arrangement.

Professional advisers such as solicitors and accountants, insurers, public authorities and prospective business purchasers may receive limited information where necessary and lawful, with appropriate confidentiality safeguards. A business transfer does not remove your existing rights or permit incompatible uses without a lawful basis.

8. How long we keep information

We do not retain every record for the same period. We decide retention by reference to the purpose, the progress of an enquiry, any applicable record-keeping requirement, the need to demonstrate consent, and relevant complaint or legal limitation periods.

Unsubmitted or unsuccessful enquiries: Information is removed when it is no longer needed to respond to a requested enquiry, follow up an incomplete application where lawful, complete an authorised referral or resolve a related issue. A limited audit or suppression record may need to remain.

Completed referrals: Necessary records are kept while the introduction is administered and for a justified period afterwards to reconcile fees, investigate complaints or establish what was requested. This does not mean we keep the recipient’s full claim file.

Marketing records: Contact details are used while permission remains valid and relevant. We review inactivity and stop using information when consent no longer supports contact. Evidence of permission or withdrawal may be retained separately for accountability.

Suppression records: We retain the minimum identifier and preference needed to honour an objection for as long as there is a continuing risk of re-importing or contacting you.

Financial records follow the applicable statutory retention requirements; restricted records may be held longer for an actual dispute or legal hold.

Technical and tracking records follow the purposes and expiry periods described in our Cookie Policy and supplier settings. When a retention purpose ends, we securely delete or irreversibly anonymise information. You can request details of the retention criteria relevant to your records.

9. Overseas processing and security

Some suppliers may store information outside the UK or provide access from another country. Where a restricted transfer occurs, we use an applicable UK adequacy arrangement or appropriate safeguards, such as the UK International Data Transfer Agreement or the UK Addendum to EU standard contractual clauses. Where required, we assess the protection in the destination and apply supplementary measures.

You can contact us for the relevant destinations, safeguards and a copy or explanation of those safeguards, subject to necessary redactions. We do not treat submission of a form as blanket permission for overseas transfers.

We use proportionate technical and organisational safeguards, restrict access to people who need it, and require appropriate protection from suppliers. No internet service can guarantee absolute security. We assess incidents and notify affected people and the regulator where legally required.

10. Cookies and similar technology

Our Cookie Policy explains the technologies used, their providers, purposes and durations. Essential technologies support functions you request.

Our approach is to ask for permission before optional analytics, advertising or affiliate tracking is activated, unless a specific lawful exception has been assessed and explained with any required means of objection.

You can change your choices through Cookie settings. Continuing to browse is not consent. Refusing optional tracking does not prevent access to basic website functions. These choices also apply to similar technologies such as tracking pixels and tags.

11. Your data protection rights

Depending on the circumstances, you can ask to:

• Access your personal information.
• Correct inaccurate information.
• Erase your information.
• Restrict how your information is used.
• Receive information you supplied in a portable format where processing is automated and based on consent or contract.
• Withdraw consent at any time.

You have an absolute right to object to direct marketing, including related profiling. Contact info@linkaroo.co.uk or use the opt-out in the message.

You can also object to processing based on legitimate interests; we will assess whether we have overriding lawful grounds to continue.

Rights are not absolute in every situation. For example, deletion may not apply to information we must retain by law or need for legal claims. We will explain any lawful restriction and your options.

We normally respond without undue delay and within one month, usually without charge. Where legally permitted, complex or multiple requests may take up to two additional months; we will explain an extension within the initial month. We may request proportionate evidence of identity or authority. Any permitted pause for necessary clarification will be explained.

12. Automated checks and personalisation

We may use your stated interests and permitted website activity to select relevant offers. Referral routing, validation and duplicate checks may use automated rules. These do not determine your legal entitlement to compensation.

If a check prevents an enquiry from progressing, contact us to request review and correct inaccurate details.

We do not make decisions with legal or similarly significant effects solely by automated means under this service. If this changes, we will first explain the information used, the main factors and likely consequences, and the safeguards, including access to human intervention and a way to challenge a decision.

13. Complaints

Please send a privacy complaint to info@linkaroo.co.uk, call us or write to the address in section 1. You do not have to use a particular form.

We will acknowledge it within 30 days, investigate and respond without undue delay, keeping you informed of progress.

You can also complain to the Information Commissioner’s Office: ico.org.uk/make-a-complaint.

Our complaints process does not remove your right to contact the regulator or seek a legal remedy.

14. Claims management referrals and other websites

A referral to a claims management business does not guarantee eligibility or compensation and does not itself appoint a representative. Any appointment, fees, cancellation rights and authority to obtain information or act on your behalf are covered by the receiving provider’s separate documents.

You may be able to pursue a complaint directly with the relevant lender without appointing a claims management business. The receiving provider should explain the available options, its fees and the terms of its services before you decide whether to proceed.

The receiving claims management business explains its own processing of claim records and any disclosures to lenders, courts or complaint bodies. Its retention duties may differ from ours. External websites operate under their own privacy notices.

Linkaroo does not collect the detailed claim information submitted through My Reclaim’s own claims management application process. If you decide to proceed with My Reclaim, you will be directed to its process and should review its privacy policy and terms before submitting further information.

15. Children and updates

Our claims enquiry service is intended for adults aged 18 or over. Please contact us if a child has supplied information so we can address it appropriately.

We update this notice when our processing or relevant requirements change and explain material changes where necessary. An update does not retrospectively create consent.