Digital and automated debt resolution, driven by AI
Digital and automated debt resolution, driven by AI
Privacy Policy
Capital Resolve take the use of personal data and privacy seriously and are committed to ensuring that data is used fairly and lawfully in accordance with the General Data Protection Regulation (GDPR).
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We do not purchase debts so the Data Controller would be our clients who we work on behalf of. For the purposes of the GDPR we are the data processor where we are acting on behalf of the original creditor or the current owner of the account. This privacy policy explains how we will use, store and share personal data.
We may receive personal data from our clients who use our services.
When registering on our website customers may be asked to enter their name, address, card information or other personal details to help them with their experience and to process payment transactions.
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We may also obtain information from credit reference agencies and from you or your appointed representative when you register or enter information on our website and from communications between us such as within telephone calls, letters or emails.
Categories of personal data
The personal data that we collect and receive from third parties, from yourself and your personal representatives may include any or all of the following: your name, address, date of birth, relevant account reference numbers, e-mail address, phone number, debt information, payment history, payment details, credit reference information, and any other details relating to your account. This data is likely to include information supplied by our clients. We will also retain records of communications from you concerning your account. Where appropriate and where explicit consent has been provided, we also collect limited sensitive personal data.
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When registering on our website customers may be asked to enter their name, address, card information or other personal details to help them with their experience and to process payment transactions.
How do we use your personal data?
Our use of your personal data is for the legitimate interests of our business. We will not share your information with other companies for marketing purposes.
We may use personal data held about you in the following ways:
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For debt collection purposes to manage your account including assessing affordability and trace activity
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To allow you to make a payment using our website
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To locate you and to check/update your contact details
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To update our client with personal data we have obtained about you
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For administration purposes including that which supports our website
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To improve our website to ensure that content is presented in the most effective manner
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To allow you to use any interactive features of our service
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To prevent money laundering and fraud.
We may also share your personal data with our clients and certain third party suppliers who will act as our data processors and may only use your personal data in the way we specify.
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We may share your personal data with third parties if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use or to protect the rights, property, or safety of Capital Resolve , our clients, our employees, agents and subcontractors or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection.
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If you require further information about the purposes for which we use your personal data then please contact our Data Protection Officer:
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The Data Protection Officer
Capital Resolve Ltd
Fountain Court
Crab Apple Way
Vale Park
Evesham
Worcestershire
WR11 1LS
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Email: dpo@capitalresolve.com
Where has your information been obtained from?
We could have obtained customer information from a number of different sources including our clients enabling us to fulfil our contractual requirements with them. In addition, personal data may have been provided by our customers when communicating with us.
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We may also obtain information from TransUnion help locate you and to check/update your contact details and to enable us to make financial decisions. You can access TransUnion's own Privacy Notice here.
How do we store and secure data?
We will retain your information for no longer than 6 years from the date of account closure, in accordance with the recommendations set out in the Data Protection Act. All information that you provide to us is stored on secure servers. The data that we collect from you will not be transferred to or stored anywhere outside of the European Economic Area (EEA).
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Our website is scanned and tested on a regular basis for security holes and known vulnerabilities to ensure visits to our site as safe as possible, and to ensure our compliance with PCI-DSS.
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We use regular malware scanning to ensure the integrity of our web pages. Personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems and are required to keep the information confidential. In addition, all sensitive/credit information is encrypted via Secure Socket Layer (SSL) technology while in transit, and industry-standard encryption while in storage. We implement a variety of security measures when a customer enters, submits, or accesses their information to maintain the safety of their personal information.
Cookies
We use session cookies to enable our site to function properly, but they only exist whilst a customer is using our site. We use persistent cookies to remember certain choices that a customer has made whilst using our website and we store these choices in persistent cookies so that we do not keep asking for the same information.
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By continuing to use our website the customer is signalling to us that they agree to our cookies and third-party cookies being stored on their computer. We do not collect any personally identifiable information or card numbers, unless it is entered using the forms on our website. We do not store any information entered on the forms in cookies.
Telephone Calls
All calls are recorded for training and quality purposes.
Changes to this Policy
We may revise these terms of use at any time by amending this page. Please check this page on our website from time to time to take notice of any changes we made, as they are binding on you.