Terms of service

CLAIMSTER.BG

TERMS AND CONDITIONS FOR THE USE OF THE SERVICE

Compensation for Disrupted Air Passenger Rights / Purchase of Receivables Arising from Insurance Claims

Effective as of: 01 January 2026

DEFINITIONS

"Claimster" or "the Company" means Legal Assist Ltd., UIC 202986679, registered in the Commercial Register of the Republic of Bulgaria, with registered address: 161 Pozitano St., Floor 1, Apt. 1, Sofia 1309, Bulgaria, email: info@claimster.bg, website: www.claimster.bg

* Claimster is a trademark registered with the EUIPO under No. 019148638, owned by Legal Assist Ltd.



 

"Website" means the website www.claimster.bg, owned by Claimster Ltd.



 

"Client" or "User" means any legally capable natural person, aged 18 or over, who has accepted these Terms and Conditions and has submitted a Claim in the Claimster System.



 

"Power of Attorney" means the document by which the Client authorises Claimster and/or a lawyer/law firm to undertake all necessary legal and factual actions on their behalf for the recovery of Compensation.



 

"Agreement" means the service agreement concluded between the Client and Claimster, of which these Terms and Conditions form an integral part.



 

"Regulation 261/2004" means Regulation (EC) No 261/2004 of the European Parliament and of the Council of 11 February 2004 establishing common rules on compensation and assistance to passengers in the event of denied boarding, cancellation, or long delay of flights.



 

"Compensation" means the monetary amount payable by an airline to a passenger pursuant to Regulation 261/2004, the Montreal Convention, UK261, and/or other applicable legislation.



 

"Claim" means any out-of-court or judicial request for Compensation submitted by Claimster on behalf of the Client against the relevant airline.



 

"System" means the Claimster software platform in which all information related to the Claim is stored, including documents signed by the Client.



 

"Successfully Collected Compensation" means that the airline has paid a monetary amount in respect of the Claim following out-of-court, administrative, or judicial actions undertaken by Claimster.



 

GENERAL PROVISIONS

Article 1.

These Terms and Conditions govern the rights and obligations between Claimster and the Client in connection with the provision of services for the recovery of compensation for disrupted air passenger rights and the purchase of receivables arising from insurance claims under motor third-party liability insurance, CASCO insurance, or other property insurance.



 

Article 2.

By clicking the “Submit your claim” / “Register a claim” / “Submit” button, or by electronically signing the Agreement/Power of Attorney, the Client confirms that they have read, understood, and fully accept these Terms and Conditions and agree to comply with them.



 

Article 3.

The information provided by Clients in the System must be complete, accurate, and correspond to their identity and the actual factual circumstances. Claimster shall not be liable for any consequences arising from the provision of false or incomplete information.



 

Article 4.

Claimster reserves the right to refuse acceptance of a Claim without providing reasons.

SUBJECT OF THE AGREEMENT — ENGAGEMENT

Article 5.

Claimster and/or a lawyer/law firm authorised by the Client shall undertake all legally permissible out-of-court and judicial actions on behalf of the Client with the aim of successfully recovering the full amount of Compensation due pursuant to Regulation 261/2004, the Montreal Convention, UK261, and any other applicable legislation within or outside the European Union.



 

Article 6.

The registration of a Claim in the Claimster System constitutes both acceptance of these Terms and Conditions and the assignment of Claimster to carry out, either directly and/or through authorised representatives or lawyers, all actions related to the submission and recovery of the Compensation Claim.



 

Article 7.

Following registration, the System automatically generates the necessary documents, including a Power of Attorney, Representation Agreement, and/or Assignment Agreement, which the Client must sign electronically or physically (without notarisation) and return to Claimster.



 

SERVICES PROVIDED BY CLAIMSTER

Article 8.

Claimster undertakes the following actions on behalf of the Client in connection with services related to compensation for disrupted air passenger rights:

(1) Assessment and evaluation of the Claim — including verification of the applicable legal framework, flight distance, and the circumstances surrounding the disruption.

(2) Out-of-court negotiations with the airline — sending formal compensation requests and conducting correspondence with the airline.

(3) Administrative assistance — submission of complaints to competent national administrative authorities, regulators, and/or alternative dispute resolution bodies (e.g. CAA, Luftfahrt-Bundesamt, DGAC, etc.).

(4) Legal proceedings — in the event of refusal by the airline, Claimster may decide to initiate court proceedings before the competent court. Court costs shall be borne by Claimster, unless otherwise agreed.



 

Article 9.

Claimster operates on a “No Win — No Fee” basis. The Client shall not owe any payment if Compensation is not successfully recovered.



 

AMOUNT OF COMPENSATION

Article 10.

Compensation under Regulation 261/2004 is fixed depending on the flight distance:



 

EUR 250 — for flights up to 1,500 km;

EUR 400 — for intra-EU flights over 1,500 km and for all other flights between 1,500 and 3,500 km;

EUR 600 — for flights over 3,500 km outside the EU.



 

Article 11.

In the event of a delay exceeding 3 hours, flight cancellation, denied boarding, or missed connection attributable to the airline, the Client may be entitled to Compensation under Regulation 261/2004. Entitlement to Compensation depends on the specific circumstances of the case and the applicable legal provisions.



 

Article 12.

The amount of Compensation displayed in the Website calculator is indicative and does not constitute a binding offer by Claimster. The final amount may vary depending on additional facts and legal considerations.



 

FEES AND PAYMENT

Article 13.

Claimster shall be entitled to remuneration only in the event of Successfully Collected Compensation. The fee shall amount to 25% (twenty-five percent) + VAT (if applicable) of the Compensation received.



 

Article 14.

In the event of court proceedings resulting in a partial award, Claimster shall be entitled to 25% of the amount awarded.



 

Article 15.

(1) Where Compensation is received in Claimster’s account, the Company shall deduct the applicable fee and transfer the remaining amount to the Client within 5 (five) days to the bank account specified by the Client.

(2) Where Compensation is paid directly to the Client — by any means — after Claimster has taken action on the Claim, the Client shall immediately notify Claimster and pay the due fee within 3 (three) days.



 

(3) Where the Client accepts non-monetary compensation from the airline (including vouchers, free tickets, upgrades, or similar), the Client shall owe Claimster 25% of the monetary equivalent of the originally claimed Compensation under Regulation 261/2004, payable within 3 (three) days.

(4) All bank charges and currency exchange differences related to the transfer of Compensation shall be borne by the Client.



 

CLIENT RIGHTS AND OBLIGATIONS

Article 16.

The Client has the right to monitor the status of their Claim by contacting Claimster at: info@claimster.bg

.



 

Article 17.

The Client shall be obliged to:



 

(1) provide accurate, complete, and truthful information regarding the flight, their identity, and all relevant circumstances;



 

(2) actively cooperate for the successful handling of the procedure by providing all requested documents and evidence (such as boarding pass, booking confirmation, identity document, receipts for additional expenses, etc.) within a reasonable period (not exceeding 5 days);



 

(3) notify Claimster within 3 (three) days if the airline contacts them directly and/or offers alternative compensation (such as vouchers, tickets, or otherwise);



 

(4) immediately notify Claimster upon receipt of any payment or non-monetary compensation from the airline;



 

(5) maintain the confidentiality of their System account credentials;



 

(6) declare, when submitting a new Claim, whether a claim for the same flight has already been submitted through another channel.



 

Article 18.



 

(1) Upon acceptance of these Terms and Conditions and authorisation of Claimster, the Client shall not engage other companies, agents, or lawyers for the recovery of Compensation for the same flight.

(2) The Client shall not initiate independent legal actions against the airline for the same flight without the prior written consent of Claimster.



 

RIGHTS AND OBLIGATIONS OF CLAIMSTER

Article 19.

Claimster shall provide its services in good faith and in accordance with applicable law; however, it does not guarantee the achievement of a specific result, as the outcome depends on multiple factors beyond the Company’s control.



 

Article 20.

Claimster may, at any time and without prior notice, suspend, restrict, or terminate access to the Website and/or the services provided.



 

Article 21.

(1) Claimster may amend these Terms and Conditions at any time by publishing an updated version on the Website.

(2) Continued use of the services following the publication of the amended Terms and Conditions shall constitute acceptance of such changes.



 

Article 22.

Claimster may terminate the provision of services and rescind the Agreement with immediate effect in the event of a breach of the Client’s obligations under Article 18. In such cases, Claimster reserves the right to claim penalties in accordance with Articles 26 and 27 of these Terms and Conditions.



 

RIGHT OF WITHDRAWAL — CONSENT FOR IMMEDIATE PERFORMANCE

⚠ IMPORTANT: Please read the provisions below carefully before submitting your Claim.



 

Article 23.

(1) Each Client has the right to withdraw from the Agreement within 14 (fourteen) calendar days from the date of registration of the Claim in the System, without stating any reason, provided that Claimster has not commenced performance of the service.

(2) By clicking the “Submit your claim” / “Register a claim” button and/or by signing the Power of Attorney, the CLIENT EXPRESSLY DECLARES AND AGREES that the service shall begin to be performed IMMEDIATELY, prior to the expiry of the 14-day withdrawal period.



 

✅ CONSENT FOR IMMEDIATE PERFORMANCE: The Client acknowledges that, where Claimster begins performance of the service immediately, the right of withdrawal shall CEASE TO APPLY as of the moment the first action in relation to the Claim is undertaken (including, but not limited to, submission of a claim to the airline, filing of a complaint, legal assessment, or any other procedural action).



 

(3) For the purposes of this Article, “performance of the service” shall be deemed to have commenced upon the undertaking of any of the following actions by Claimster: submission of an out-of-court claim to the airline; filing of an administrative complaint; initiation of legal proceedings; conducting a legal assessment of the case; or engaging in any negotiations with the airline.

(4) Withdrawal from the Agreement may be exercised in written form (by email to info@claimster.bg

or in hard copy to the Company’s address), provided that Claimster has not yet undertaken any action under Article 23(3). The Client may not withdraw from the Agreement once such action has been initiated.

(5) The above clause is in accordance with Article 50(1)(1) of the Consumer Protection Act, pursuant to which the right of withdrawal does not apply to services where the consumer has given explicit consent for performance to begin and has acknowledged that they will lose their right of withdrawal.



 

PROHIBITION OF MULTIPLE AUTHORISATION

Article 24.

(1) By accepting these Terms and Conditions, the Client declares that they have not authorised and have not entered into an agreement with any other person or entity for the recovery of Compensation for the same flight.

(2) The Client undertakes not to engage any other company, agent, lawyer, or third party to pursue a claim or conduct negotiations with the airline in relation to the same flight for the duration of the Agreement with Claimster.

(3) In the event of a breach of this Article, Claimster shall have the right to terminate the Agreement with immediate effect and to claim a penalty in accordance with Article 27 of these Terms and Conditions.



 

PENALTIES

Article 25.

In the event that the Client fails to fulfil their obligations under Articles 15(2) and 15(3) within the specified time limits, the Client shall owe Claimster the agreed fee under Article 13, together with a penalty amounting to 10% (ten percent) of the Compensation, but not less than EUR 50 (fifty euros).



 

⚠ PENALTY FOR MULTIPLE AUTHORISATION: Pursuant to Article 26 of these Terms and Conditions, if the Client, after having authorised Claimster, engages another company, agent, or lawyer for the same case, the Client shall owe Claimster a fixed penalty of EUR 85 (eighty-five euros), regardless of the outcome of the proceedings.



 

Article 26.

(1) In the event that, after signing the Power of Attorney and/or the Agreement with Claimster, the Client engages another company, agent, lawyer, or any third party providing similar services for the same flight and/or case, the Client shall owe Claimster a fixed penalty of EUR 85 (eighty-five euros).

(2) This penalty shall be due irrespective of the outcome of the claim — whether Compensation is recovered or not — and regardless of whether Claimster has suffered any actual financial loss.

(3) The penalty under paragraph (1) shall be payable within 7 (seven) days from the establishment of the breach. Claimster shall notify the Client in writing (by email) of the penalty due.

(4) Payment of the penalty under paragraph (1) shall not release the Client from their obligation to pay the fee under Article 13, where Claimster has successfully recovered Compensation.



 

Article 27.

The penalties under Articles 25 and 26 may be cumulative, where the grounds for their application occur simultaneously.



 

PERSONAL DATA AND CONFIDENTIALITY

Article 28.

Claimster processes the Client’s personal data in accordance with Regulation (EU) 2016/679 (GDPR) and the applicable data protection legislation. Processing is necessary for the performance of the Agreement and for the legitimate interests of Claimster.

Article 29.
The Client’s personal data may be disclosed to third parties (including lawyers, airlines, administrative authorities, and courts) only to the extent necessary for the purposes of pursuing the Compensation claim.

Article 30.

The Client has the right to access, rectify, erase, and port their personal data, as well as the right to object to processing. To exercise these rights, the Client may contact Claimster at: info@claimster.bg

Article 31.

Detailed information regarding the processing of personal data is set out in Claimster’s Privacy Policy, available on the Website.

LIMITATION OF LIABILITY

Article 32.

Claimster shall not be liable for:

(a) refusal by the airline to pay Compensation due to unforeseen legal or factual circumstances;

(b) delays in the process caused by actions or omissions of third parties (including airlines, courts, or administrative authorities);

(c) damages arising from false or incomplete information provided by the Client.



 

Article 33.

Claimster does not guarantee a successful outcome of the Claim. The service is provided in good faith and with due care; however, the result depends on objective circumstances beyond Claimster’s control.



 

AMENDMENTS TO THE TERMS AND CONDITIONS

Article 34.

(1) Claimster may amend these Terms and Conditions at any time by publishing an updated version on the Website, indicating its effective date.

(2) Claimster shall notify Clients of such changes by publishing a notice in a visible location on the Website. The amendments shall enter into force 7 (seven) days after publication, unless a longer period is specified.

(3) Continued use of the services after the entry into force of the amendments shall be deemed as implicit acceptance of the updated Terms and Conditions.



 

GOVERNING LAW AND DISPUTE RESOLUTION

Article 35.

These Terms and Conditions and all contractual relationships between Claimster and the Client shall be governed by and construed in accordance with the laws of the Republic of Bulgaria.

Article 36.

Any disputes arising out of or in connection with these Terms and Conditions shall be submitted to the competent Bulgarian court — the District Court or Regional Court, depending on the value of the claim.

Article 37.

Consumers have the right to refer consumer disputes to the Consumer Protection Commission (https://kzp.bg/) and to alternative dispute resolution (ADR) bodies, including through the European Commission’s Online Dispute Resolution (ODR) platform: https://ec.europa.eu/consumers/odr

. 



 

SECTION II
PURCHASE OF INSURANCE CLAIMS

ADDITIONAL TERMS — INSURANCE CLAIMS

"Insurance Claim" means the right to receive insurance compensation held by the Client (Assignor) against an insurance company, arising from a valid insurance contract and the occurrence of an insured event (e.g. vehicle damage, property damage, motor third-party liability insurance, etc.).



 

"Assignment" means an agreement pursuant to Article 99 et seq. of the Obligations and Contracts Act, whereby the Client (Assignor) transfers their Insurance Claim to Claimster (Assignee) under the terms of this Section.



 

"Assignor" means the Client — a natural or legal person — who transfers the Insurance Claim to Claimster.



 

"Assignee" means the Company in its capacity as purchaser/acquirer of the Insurance Claim.



 

"Purchase Price" means the monetary amount paid by Claimster to the Assignor in consideration for the transferred claim, determined in accordance with this Section.



 

"Insurer" means the licensed insurance company — debtor under the Insurance Claim.



 

"Claim Assessment" means the procedure by which Claimster analyses the claim documentation and determines the Purchase Price.



 

SUBJECT — SERVICE FOR THE PURCHASE OF INSURANCE CLAIMS

Article 38.

(1) In addition to the services under Section I, Claimster offers a service for the purchase of Insurance Claims, whereby it acquires the Client’s claim against an insurance company through an assignment agreement.

(2) Upon conclusion of the assignment agreement, Claimster shall step into the Client’s rights and shall pursue the claim independently against the insurer — through out-of-court, administrative, or judicial means.

(3) The purchase of Insurance Claims constitutes a separate service from that under Section I. In the event of any inconsistency between the two Sections, Section II shall prevail with respect to insurance claims.



 

Article 39.

Claimster is not an insurance intermediary within the meaning of the applicable insurance legislation and does not provide insurance services. The Company acts solely in its capacity as an assignee — acquirer of claims.



 

ELIGIBLE INSURANCE CLAIMS

Article 40.

Claimster may purchase the following types of Insurance Claims:



 

(1) Claims under mandatory Motor Third Party Liability insurance (MTPL) — for material and non-material damages suffered by an injured party in a road traffic accident;

(2) Claims under CASCO insurance — for material damages to a motor vehicle resulting from a road traffic accident, theft, natural disaster, or other covered event;

(3) Claims under property insurance policies — for damages to immovable or movable property, including fire, flood, theft, and natural disasters;

(4) Claims under Accident and Life insurance policies — for compensation in cases of death, permanent or temporary disability of the insured person;

(5) Claims under liability insurance policies — for compensation payable by an insurer under civil or professional liability coverage;

(6) Claims under any other type of insurance permitted by applicable law, subject to the express approval of Claimster.



 

Article 41.
Claimster reserves the right to refuse the purchase of any specific claim without providing reasons. Such refusal shall not be subject to appeal.

CLAIM ASSESSMENT AND PURCHASE PRICE

Article 42.

(1) A Client wishing to transfer an Insurance Claim shall submit a request via the Website or by email, providing:

(a) a copy of the insurance contract/policy;

(b) notification of the claim submitted to the insurer and the claim reference number;

(c) documentation relating to the insured event (e.g. traffic accident report, photographic evidence, damage assessments, medical documentation, etc.);

(d) a response from the insurer (if available);

(e) an identification document (for natural persons) or an up-to-date extract from the Commercial Register (for legal entities);

(f) bank account details for payment of the Purchase Price.

(2) Within 5 (five) business days from receipt of the complete documentation, Claimster shall notify the Client whether:

(a) it offers a Purchase Price and terms; or

(b) it declines to purchase the claim.



 

Article 43.

(1) The Purchase Price shall be determined individually based on: the type and value of the claim; the likelihood of successful recovery; the conduct of the insurer; the quality of the evidentiary documentation; applicable limitation periods; and the legal complexity of the case.

(2) The Purchase Price shall typically represent a percentage of the nominal value of the claim. The exact percentage shall be specified in the Assignment Agreement.



 

(3) The Purchase Price shall be final. It may be adjusted only if it is established that the Client has provided false or incomplete information, in which case Claimster may terminate the Agreement and claim damages.



 

PROCEDURE FOR CONCLUSION OF THE ASSIGNMENT AGREEMENT

Article 44.

(1) Upon reaching agreement, the parties shall conclude an Assignment Agreement in writing, whereby the Client transfers to Claimster the Insurance Claim in its entirety, together with all related rights — including interest, costs, and any additional compensation.

(2) The Assignment Agreement may be executed:

(a) by means of a qualified electronic signature;

(b) via an electronic signature platform; or

(c) in hard copy without notarisation, unless such notarisation is expressly required by law.



 

A notification to the debtor-insurer shall be attached to the Agreement and shall also be signed by the Client.



 

Article 45.

(1) Within 3 (three) business days of execution of the Assignment Agreement, Claimster shall pay the agreed Purchase Price to the Client’s designated bank account. All bank charges related to the transfer shall be borne by the Client.

(2) Notification of the insurer regarding the assignment shall be carried out by Claimster in accordance with Article 99(3) and (4) of the Obligations and Contracts Act.



 



 

REPRESENTATIONS AND WARRANTIES OF THE CLIENT

Article 46.

By signing the Assignment Agreement, the Client represents and warrants that:

(1) they are the sole and lawful holder of the Insurance Claim and have full authority to transfer it;

(2) the claim has not been assigned, pledged, encumbered, or made subject to any dispute with a third party;

(3) no insolvency or liquidation proceedings have been initiated against them;

(4) they have not received any payment from the insurer — whether partial or full — in relation to the same insured event;

(5) the documentation provided is authentic, complete, and accurate;

(6) they are not aware of any circumstances that could materially affect the value or recoverability of the claim.



 

Article 47.

In the event of a breach of the representations and warranties under Article 46, the Client shall be obliged to repay the Purchase Price received, together with default interest, as well as all costs incurred in connection with the attempted recovery of the claim.



 



 



 

CLIENT OBLIGATIONS AFTER ASSIGNMENT

Article 48.

(1) Following the execution of the Assignment Agreement, the Client shall cooperate with Claimster by providing, upon request, any additional documents, declarations, or information.

(2) The Client shall immediately notify Claimster if the insurer contacts them directly after the assignment or if they receive any payment from the insurer.

(3) The Client shall not undertake any independent legal or factual actions against the insurer in relation to the assigned claim after execution of the Assignment Agreement.

Article 49.

If the Client receives any direct payment from the insurer after the assignment of the claim, the Client shall transfer such payment to Claimster within 3 (three) days. The amount shall be deemed the property of Claimster from the moment of assignment.



 

WITHDRAWAL FROM THE ASSIGNMENT AGREEMENT

⚠ IMPORTANT: The Assignment Agreement transfers ownership of the claim immediately upon execution. The Client ceases to be the holder of the claim from the moment of assignment.



 

Article 50.

(1) The Assignment Agreement shall enter into force upon its execution — the claim shall transfer to Claimster’s estate immediately.

(2) The Client may not unilaterally terminate or withdraw from the Assignment Agreement after its execution, except in cases provided under Articles 87–89 of the Obligations and Contracts Act (non-performance by Claimster).

(3) The right of withdrawal under consumer protection legislation (14-day period) shall not apply to the Assignment Agreement, insofar as the assignment constitutes a transfer of a financial claim rather than the provision of a service within the meaning of the Consumer Protection Act.



 

PENALTIES UNDER THE ASSIGNMENT AGREEMENT

⚠ PENALTY FOR DOUBLE ASSIGNMENT: If the Client assigns, pledges, or otherwise encumbers the same claim in favour of a third party after concluding the Assignment Agreement with Claimster, the Client shall be obliged to repay the amount received, together with a penalty of 25% of the agreed Purchase Price, plus all costs incurred by Claimster.



 

Article 51.

(1) In the event of a breach of the obligations under Articles 46 or 48, Claimster shall have the right to terminate the Assignment Agreement and to claim:

(a) repayment of the Purchase Price paid, together with default interest from the date of payment;

(b) compensation for all costs incurred in connection with the recovery of the claim;

(c) a penalty amounting to 25% of the nominal value of the assigned claim.

(2) Claimster reserves the right to claim damages exceeding the amount of the penalty.



 

REGULATORY FRAMEWORK AND COMPLIANCE

Article 52.

The service for the purchase of Insurance Claims is provided in accordance with:

(a) the Obligations and Contracts Act (Articles 99–100);

(b) the Insurance Code;

(c) the Consumer Protection Act;

(d) Regulation (EU) 2016/679 (GDPR);

(e) any other applicable European and national legislation.



 

Article 54.

All disputes arising from the Assignment Agreement shall be governed by Bulgarian law. The competent court shall be the District Court or Regional Court, depending on the value of the claim. The parties may agree to an arbitration clause by way of a separate written agreement.



 

CONTACT DETAILS

For any questions related to the Claim, the Assignment Agreement, or these Terms and Conditions, Clients may contact Claimster at:



 

  • Email: info@claimster.bg

  • Website: www.claimster.bg

  • Address: 161 Pozitano St., Floor 1, Apt. 1, Sofia, Bulgaria