SSJ Credit Solutions Ltd is committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, store, and disclose personal information in the course of our credit control services. Please read this policy carefully to understand our practices regarding your personal data and how we will treat it.
1. Information We Collect
We may collect and process the following types of personal data:
- Contact Information: Name, address, telephone number, and email address.
- Financial Information: Bank account details, credit history, payment records, and other financial data necessary for credit control.
- Identification Information: Identification numbers, such as VAT or tax identification numbers.
- Business Information: Company details, contractual information, and communication records.
- Technical Information: IP addresses, browser types, and other technical data obtained through our website.
2. How We Use Your Information
We use personal data for the following purposes:
- Credit Control and Debt Collection: To manage accounts receivable, collect outstanding debts, and maintain accurate records.
- Compliance: To comply with legal obligations, including those related to anti-money laundering, fraud prevention, and data protection laws.
- Communication: To contact you regarding our services, respond to inquiries, and provide updates relevant to our business relationship.
- Service Improvement: To improve our services and customer experience, including the use of data analytics.
- Legal Actions: To manage or defend legal claims and enforce our contractual rights.
3. Legal Basis for Processing
We process personal data under the following legal bases:
- Performance of a Contract: Where processing is necessary for the performance of a contract to which you are a party.
- Legitimate Interests: For the purposes of legitimate interests pursued by us, such as managing credit risk and recovering debts, provided that these interests are not overridden by your data protection rights.
- Compliance with Legal Obligations: Where we are required to process data to comply with legal obligations.
4. Sharing Your Information
We may share your personal data with the following third parties:
- Service Providers: Third-party service providers who assist us in providing our services, including IT support, payment processing, and legal services.
- Credit Reference Agencies: To obtain credit reports and manage credit risk.
- Legal Authorities: If required by law or to enforce our legal rights, we may disclose data to regulatory or law enforcement authorities.
- Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, personal data may be transferred as part of that transaction.
5. Data Security
We take data security seriously and implement appropriate technical and organizational measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. This includes using secure servers, encryption, and regular security assessments.
6. Data Retention
We will retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. When personal data is no longer required, we will securely delete or anonymize it.
7. Your Rights
You have the following rights regarding your personal data:
- Access: The right to request access to your personal data held by us.
- Correction: The right to request that we correct any inaccuracies in your personal data.
- Erasure: The right to request that we delete your personal data in certain circumstances.
- Restriction: The right to request that we restrict the processing of your personal data in certain situations.
- Objection: The right to object to the processing of your personal data where we rely on legitimate interests as the legal basis for processing.
- Data Portability: The right to receive a copy of your personal data in a structured, commonly used, and machine-readable format.
To exercise any of these rights, please contact us at .
8. International Data Transfers
If we transfer personal data outside the European Economic Area (EEA), we will ensure that it is protected in a manner consistent with how your personal data is protected in the EEA. This may include using specific contractual clauses or other transfer mechanisms to safeguard your data.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. We will notify you of any material changes by posting the updated policy on our website or by contacting you directly.
10. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data processing practices, please contact us