Credit Resource Solutions is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified; you can be assured that it will only be used in accordance with this privacy statement.
Credit Resource Solutions may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 25th May 2018.
How we use Information we hold about you
This policy applies to information we hold about you. In this policy, ‘we’, ‘us’, and ‘our’ mean Credit Resource Solutions, registered number 04690879, registered office 3rd Floor West Bowling Mill, Dean Clough, Halifax, HX3 5AX. Credit Resource Solutions is authorised and regulated by the Financial Conduct Authority, FCA License Number: 626796 ‘You’ means the person the information relates to.
Credit Resource Solutions is a Data Processor for our Clients who are the Data Controllers.
This policy applies to information held about current and potential future customers, clients and suppliers. By ‘Information’ we mean personal and financial information about you we collect, use and store.
What information do we collect?
We collect, use and store information about you such as:
We regularly check your credit file to ensure the information we hold on our systems is accurate and up to date. This is known as a ‘soft footprint’ which does not affect your credit score.
We may collect information regarding your mental and physical health where it has or may have an impact on your ability to repay.
We may also collect some limited information, including publicly accessible information such as media reports, about any current criminal convictions you have if we have reason to believe that you may be in prison. We will use this for the purposes of updating the information we hold about you and managing your account.
We may also collect publicly accessible information about you, for example through a Google search, where we have been unable to contact you using the contact details that we hold for you.
We require information to understand your needs and provide you with a better service, and in particular for the following reasons:
Where do we get your information from?
Information you give us
Information we collect about you
Information we obtain from the account owner (Our clients pass your information onto CRS to collect outstanding balances on their behalf)
Information from third parties
Why do we need your information?
We require your information in order to carry out debt collection activities on behalf of our clients. This includes:
How long will we keep your information?
We will keep your information for as long as is needed for the purposes set out above or as required by any laws that apply. We will keep your information for no longer than 7 years from the date your information is passed to CRS. The reason for retaining your information for this length of time is to:
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure personal information.
Credit Resource Solutions are ISO2700:2013 accredited which is an international management standard that provides a proven framework for managing information security.
How to get a copy of your personal information
You can contact Credit Resource Solutions if you have any queries regarding your information.
Credit Resource Solutions
3rd Floor West
Telephone: 01422 324 510
How to make a complaint
You have the right to lodge a complaint with the Information Commissioners Office (ICO) should you feel a company is in violation of the Data Protection Laws. Contact details can be found on the ICO website should you wish to make a complaint. www.ico.org.uk
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We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
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Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Controlling your personal information
We will not sell, distribute or lease your personal information to third parties unless we are required by law to do so.
If you believe that any information we are holding is incorrect or incomplete, please contact us as soon as possible, using the contact details above. We will promptly correct any information found to be incorrect.