Indemniza.me

What Indemniza.me does

Indemniza.me is a privately held Spanish law firm founded in 2016 and headquartered in Bilbao, with a national Madrid-area contact point (phone 911985989) and a five-person in-house legal team co-founded by Iván Metola (CEO) and Carlos Sánchez. The firm specializes in consumer compensation claims, with two main service lines: banking claims (revolving credit cards such as Affinity Card, Wizink, Carrefour Pass, Caixabank, Cetelem, Santander Consumer Finance, and Cofidis; microcredits including Vivus; mortgage formation expenses; phishing and identity-theft fraud; and removal from delinquency registries such as ASNEF and BADEXCUG) and airline passenger-rights claims (delays, cancellations, overbooking, and lost baggage). Its target customers are individual Spanish consumers who have suffered identifiable financial or contractual harm.

The firm operates a 100% online, self-serve intake model with no physical retail presence; customers complete web forms, receive a free feasibility study, and are then represented through extrajudicial and judicial proceedings by Indemniza.me’s in-house lawyers. Revenue is generated entirely on a contingency basis: 18% of recovered amounts plus VAT for revolving-card claims and 20% of recovered amounts plus a €99/€199 minimum for microcredit and Vivus cases, with no upfront fees and no charge if the case is lost. Typical case durations range from 3–6 months for microcredit disputes to 9–15 months for revolving-card claims, with average recoveries of €1,000–€20,000 per matter.

Customer acquisition is led by an organic, SEO-targeted blog (with articles dated through 2026 covering each defendant brand and claim type) plus Facebook and Instagram presence; there are no app stores, APIs, or disclosed software products, and the firm does not position itself as a technology platform but as a specialized legal practice. The only disclosed institutional capital is a €320,000 investment made in December 2022 by the Bewater Indemnizame FICC fund, intended to support growth and expansion of the firm’s consumer-rights practice.

Name

Indemniza.me

Legal name

Indemniza.me

Website

https://indemniza.me

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Indemniza.me is a Spanish digital law firm filing consumer compensation claims against banks and airlines on a no-win, no-fee basis. Founded in 2016 in Bilbao, it serves Spanish consumers across banking disputes (revolving cards, microcredits, phishing) and airline passenger-rights cases.

Ownership category

akta.pro rank

Product category

Consumer Legal Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

akta.pro secondary industry

Fraud Investigations & Claims Support (Insurance/Financial) (BPAKAEAD)

Keywords

• Consumer legal services
• Airline compensation claims
• Banking dispute resolution
• Revolving card claims
• Contingency fee legal

Headquarters

HQ city

Bilbao

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Contingency Fees - Banking Claims: Success-based fee structure where the company only charges if the customer wins. For revolving card claims: 18% of the recovered amount (interests returned plus debt annulled) plus VAT. For Vivus microcredit cases: 20% of recovered amount plus minimum fees. No upfront costs, free consultation and feasibility study. If the case is lost, the company does not charge fees and covers the opposing party's court costs.
2. Contingency Fees - Vivus/Microcredit Claims: 20% of recovered amount plus 99€ minimum for out-of-court agreements; 20% plus 199€ if judicial process initiated or won without court costs. For Vivus cases specifically: minimum 99€ + VAT if settled out of court, 199€ + VAT if judicial process.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Indemniza.me is a Spanish law firm that files consumer compensation claims against banks (revolving credit cards, microcredits, mortgage expenses, phishing, default registries) and airlines (delays, cancellations, overbooking, lost baggage). It operates on a no-win, no-fee contingency basis through a 100% online process managed by an in-house team of banking and consumer law specialists. Customers receive a free viability study and only pay (via percentage of recovered amount) if the case is won.

Product overview

Indemniza.me is a digital legal services platform offering consumer claims management for banking and airline disputes. The company provides two main service categories: banking claims (revolving credit cards, microcredits, mortgage expenses, delinquency database removals, phishing fraud) and airline passenger compensation (delayed, cancelled flights, overbooking, baggage). The business model operates on a 'no-win, no-fee' basis with free initial viability studies, using an in-house legal team to handle 100% online claims. Individual product lines focus on specific financial entities (Affinity Card, Vivus, Carrefour Pass, Wizink, Caixabank, Cetelem, Cofidis, Santander Consumer Finance) and claim types.

Differentiator

Problem solved

Functional benefit

Products and services

• Reclamaciones Bancarias (Banking Claims) Legal services for banking-related consumer claims including revolving credit cards, microcredits, mortgage expenses, identity theft, delinquency listings, and phishing fraud. For individual consumers in Spain seeking to recover money or annul contracts with banks.
• Reclamaciones Aéreas (Airline Claims) Legal services for airline passenger compensation claims including delayed flights, cancelled flights, overbooking, and lost baggage, pursued under EU passenger rights regulations. For individual Spanish consumers who experienced flight disruption.
• Reclamar vuelo retrasado (Delayed Flight Claim) Legal service to claim compensation from airlines for delayed flights under EU passenger rights regulations. For individual Spanish passengers.
• Reclamar vuelo cancelado (Cancelled Flight Claim) Legal service to claim compensation from airlines for cancelled flights under EU passenger rights regulations. For individual Spanish passengers.
• Reclamar overbooking Legal service to claim compensation from airlines for overbooking incidents under EU passenger rights regulations. For individual Spanish passengers.
• Reclamar equipaje (Lost Baggage Claim) Legal service to claim compensation from airlines for lost, delayed, or damaged baggage. For individual Spanish passengers.
• Reclamación Tarjeta Revolving Affinity Card Specialized legal service to claim and annul Affinity Card (Inditex/BBVA) revolving credit contracts for usurious interest rates, recovering excess interest paid and cancelling outstanding debt. 18% contingency fee plus VAT on the recovered amount. For Spanish consumers holding Affinity Card revolving credit.
• Reclamación Tarjeta Revolving Wizink Legal service to claim against Wizink revolving credit cards for usurious interest rates and recover excess interest paid. 18% contingency fee plus VAT on the recovered amount. For Spanish consumers holding Wizink revolving cards.
• Reclamación Tarjeta Revolving Carrefour Pass Legal service to claim against Carrefour Pass revolving credit cards for usurious interest rates and lack of transparency, recovering interest and cancelling debt. 18% contingency fee plus VAT on the recovered amount. For Spanish consumers holding Carrefour Pass cards.
• Reclamación Tarjeta Revolving Caixabank Legal service to claim against Caixabank revolving credit cards for usurious interest rates. 18% contingency fee plus VAT on the recovered amount. For Spanish consumers holding Caixabank revolving cards.
• Reclamación Tarjeta Revolving Cetelem Legal service to claim against Cetelem revolving credit cards for usurious interest rates. 18% contingency fee plus VAT on the recovered amount. For Spanish consumers holding Cetelem revolving cards.
• Reclamación Tarjeta Revolving Santander Consumer Finance Legal service to claim against Santander Consumer Finance revolving credit cards for usurious interest rates. 18% contingency fee plus VAT on the recovered amount. For Spanish consumers holding Santander Consumer Finance revolving cards.
• Reclamación Préstamo Revolving Cofidis Legal service to claim against Cofidis revolving loans for usurious interest rates. 18% contingency fee plus VAT on the recovered amount. For Spanish consumers holding Cofidis revolving loans.
• Reclamación Crédito Vivus Legal service to claim and annul Vivus microcredit and revolving credit contracts for usurious interest rates, recovering excess interest paid. 20% of recovered amount plus €99 minimum (out-of-court) or €199 (judicial process), plus VAT. For Spanish consumers with Vivus microcredit contracts.
• Reclamación Gastos de Hipoteca (Mortgage Expense Recovery) Legal service to recover mortgage formation expenses (notary, registry, agency, appraisal fees) improperly charged to borrowers by banks, based on Spanish Supreme Court jurisprudence. Average recovery 1,500€ to 3,000€. For Spanish homeowners who recently formalized a mortgage.
• Reclamación Ficheros de Morosos (Default Registry Removal) Legal service to challenge improper inclusion in delinquency databases (ASNEF, BADEXCUG) and claim compensation for damages and right to honor violations. For Spanish individuals wrongfully listed in default registries.
• Reclamación Estafa Phishing Legal service to claim compensation from banks for phishing scams where customers were defrauded, arguing banks' liability for not adequately protecting customer accounts. For Spanish consumers who lost funds to phishing attacks.
• Reclamación Suplantación de Identidad (Identity Theft) Legal service to address identity theft issues and their inclusion in delinquency databases. For Spanish individuals whose identity has been stolen or impersonated.
• Estudio de Viabilidad Gratuito (Free Case Viability Study) Free case viability assessment service to evaluate whether consumer claims have legal merit before proceeding with formal complaint. No obligation or cost. For prospective Spanish consumer claimants across all service categories.

Quantifiable outcome

• Case duration for revolving card claims: 9-15 months
• +4 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Emerging players

• EUclaim: European airline-compensation claim handler with Spanish-language funnels. Competes for the same Spanish flight-disruption lead pool as Indemniza.me's 'Reclamaciones Aéreas' product.
• ClaimCompass: Tech-enabled flight compensation startup operating across Europe. Targets the same EU261 case pool that drives Indemniza.me's airline-claims revenue and shares the no-win-no-fee GTM posture.
• Flightright: EU261 passenger-rights claims specialist active in Spain, Germany and France. Direct overlap with Indemniza.me's airline-claims vertical, comparable contingency pricing model, and aggressive Spanish keyword bidding.

Direct peers

• Arriaga Asociados: Madrid-based law firm specialising in banking abuse claims (revolving cards, mortgage floor clauses, gastos de hipoteca) using contingency fee economics. Closest substantive competitor on the bank-claims side of Indemniza.me's book.
• Reclamador: Spanish consumer-claims firm operating on a no-win, no-fee model for airline, banking and telecom disputes. Directly competes with Indemniza.me for the same Spanish consumer-lead funnel and overlapping keyword universe.
• AirHelp: Global airline-compensation claims platform operating under EU261. Competes head-on with Indemniza.me's Reclamaciones Aéreas line across Spanish flight-delay, cancellation and overbooking cases.

Broad incumbents

• DoNotPay: AI-driven US consumer-rights 'robot lawyer' brand covering bank fees, flight compensation, and consumer disputes. Adjacent business-model reference rather than direct geographic competitor, but illustrative of where Indemniza.me's PLG, online-only funnel is heading.
• Garrigues: Spain's largest home-grown law firm with a consumer-banking practice. Anchor of the 'broad incumbent' category — defends many of the same banks that Indemniza.me sues, so it is the principal counterparty and structurally comparable reference for the legal-services category.
• Legálitas: Spain's largest subscription-based legal-services brand with broad consumer coverage. Overlaps with Indemniza.me on banking and consumer-rights queries but monetises via subscription rather than contingency fees.

Regional players

• B-Legal (B123): Spanish fintech-adjacent legal services firm pursuing macro-claims on consumer rights (clauses suelo, gastos de hipoteca). Comparable on the Spanish banking-claims thesis and contingency pricing, though more fintech-platform branded.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/indemnizame
• Instagraminstagram.com/indemniza_me
• Xx.com/indemniza_me

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Indemniza.me