Commercial Collection Services Limited t/a CCSCollect (CCS) take the use of personal data and privacy very seriously and are committed to ensuring that your data is used fairly and lawfully. For the purposes of the General Data Protection Regulation (GDPR), CCS is the data processor of your data. We are acting on behalf of the original creditor or owner of the account.
BASIS FOR USING YOUR PERSONAL DATA
We are processing your data based on our legitimate business interests.
HOW WE OBTAIN PERSONAL DATA
CCS receives personal data about you from its clients when they instruct CCS to act on their behalf.
We may also obtain information from credit reference agencies. In addition we may also collect information from you or from your appointed representative through the use of 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 our client, 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 numbers, debt information, payment history, payment details, credit reference information, your employment status, vehicle registration, NI number and any other details relating to your account.
Each time you visit our website we may automatically collect information and personal data about your computer for system administration, including where available your IP address, operating system and browser type. We may use a third party service to help us analyse how users use the site (including behaviour patterns and the tracking of visits across multiple devices), to establish more about our website users and to assist us in developing our website and the services we offer.
HOW WE USE YOUR PERSONAL DATA
We may process any personal data obtained in accordance with this policy in the following ways:
- For debt collection purposes and to help us deal with your account in a manner that is most appropriate to your individual circumstances.
- To allow you to make a payment using our website
- To locate you and to check/update your contact details
- To update our client with personal data we have obtained about you
- For administration purposes including that which supports our website
- To improve our website and its content
- To allow you to use any interactive features of our service
- To prevent money laundering and fraud.
DISCLOSURE OF YOUR PERSONAL DATA TO THIRD PARTIES
We may share your personal data with our suppliers who provide goods and services to us to enable them to provide these to us. These suppliers are our data processors and may only use your personal data in the way we specify.
Your personal information will not be shared with non-connected third parties i.e. marketing or advertising companies
Our website contains links to the websites of third parties. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies or your use of those websites.
SENSITIVE PERSONAL DATA
The GDPR defines certain personal data as ‘sensitive’ such as personal data regarding your ethnic origin, physical and mental health. We will not ask you to disclose any sensitive data but you may voluntarily give such personal data to us. Any use of or sharing of your sensitive personal data will be on the basis of your consent or if we are required or permitted to do so under the GDPR.
HOW WE STORE AND SECURE DATA
We will retain your information for no longer than 2 years from the date of account closure, in accordance with the recommendations set out in the GDPR. All information that you provide to us is stored on secure servers.
In addition we seek to protect the privacy of your information at all times when you visit our website; however, if you choose to send personal information to us via our website the internet is not always completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website.
WHERE WE PROCESS YOUR PERSONAL DATA
The data that we collect from you will not be transferred to or stored anywhere outside of the European Economic Area (EEA).
RECORDED TELEPHONE CALLS
For your assurance, all calls between CCS and its customers are recorded for training and quality purposes.
CHANGES TO THIS POLICY
ACCESS TO PERSONAL DATA
The Data Protection Officer, Commercial Collection Services Limited, Norfolk House, Wellesley Road, Croydon, Surrey, CR0 1GR