Privacy Policy

We take the privacy of our website users very seriously. We ask that you read this Privacy Policy (‘the Policy’) carefully as it contains important information about how we, Online Collections Services Ltd will use your personal data.

For the purposes of the Data Protection Act 1998, Online Collection Services Ltd (‘we’ or ‘us’) is the ‘data controller’ (ie the company who is responsible for, and controls the processing of, your personal data).
Personal data we may collect and use

We will obtain personal data about you (such as your name, address, email address, telephone number etc whenever you complete an online form.
For example, we will obtain your personal data when you register to use this website, send us feedback, post material, telephone calls, emails or contact us for any reason.
Sensitive Data

The Act defines certain data as sensitive, for example, physical or mental health, ethnic origin etc. We would never ask you to disclose this information to us but you may give this information voluntarily to us. Any sharing or use of this sensitive data will be on the basis of your consent or if we are required to do so under the Data Protection Act 1998.

Cookies

We may monitor your use of this website through the use of cookies and similar tracking devices. For example, we may monitor how many times you visit, which pages you go to, traffic data, location data and the originating domain name of a user’s internet service provider. This information helps us to build a profile of our users. Some of this data will be aggregated or statistical, which means that we will not be able to identify you individually.

Use of cookies

A cookie is a small text file which is placed onto your computer (or other electronic device) when you access our website. We use cookies for the purpose of:

• recognise you whenever you visit this website (this speeds up your access to the site as you do not have to log on each time)
• obtain information about your preferences, online movements and use of the internet
• carry out research and statistical analysis to help improve our content, and to help us better understand our customer requirements and interests
• make your online experience more efficient and enjoyable.

The information we obtain from our use of cookies will not usually contain your personal data. Although we may obtain information about your computer [or other electronic device] such as your IP address, your browser and/or other internet log information, this will not usually identify you personally. In certain circumstances, we may collect personal information about you – but only where you voluntarily provide it (eg by completing an online form).

In most cases we will need your consent in order to use cookies on this website. The exception is where the cookie is essential in order for us to provide you with a service you have requested (eg to enable you to put items in your shopping basket and use our check-out process).

If you visit our website when your browser is set to accept cookies, we will interpret this as an indication that you consent to our use of cookies [and other similar technologies] as described in this Privacy Policy. If you change your mind in the future about letting us use cookies, you can modify the settings of your browser to [reject cookies] [disable cookies completely].

There is a notice on our home page which describes how we use cookies and which also provides a link to our Privacy Policy. If you use this website after this notification has been displayed to you we will assume that you consent to our use of cookies for the purposes described in this Privacy Policy.]

How to turn off cookies

If you do not want to accept cookies, you can change your browser settings so that cookies are not accepted. If you do this, please be aware that you may lose some of the functionality of this website. For further information about cookies and how to disable them please go to: www.aboutcookies.org or www.allaboutcookies.org

Third Parties

Occasionally we may receive information about you from other sources such as credit reference agencies which we will add to the information which we already hold about you in order to help us provide services to you, as well as improving and personalising the services we offer.
How we use your personal data

We and our group companies may process any personal data obtained in accordance with this policy as follows: –

• to help us identify you and any accounts you hold with us
• administration
• research, statistical analysis and behavioural analysis
• customer profiling
• Prevention of Money Laundering, as well as fraud prevention and detection
• billing
• credit scoring and credit checking—see ‘Credit checking’ below
• customising and improving this website
• to notify you of any changes to this website or to our services which may affect you
• security vetting
• improving our services

Disclosure of your personal data

We may share your personal data with the other companies within the Group but only for the purposes set out at ‘Uses Made of Your Personal Data’ above.

If we merge, transfer or sells part or all of the business to a third party, your personal data may be disclosed to the third party and any relevant advisors. Further, if the transaction goes ahead, the third party may use or disclose your personal data as set out in this policy.

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 www.onlinecollectionservices.co.uk/terms-and-conditions or to protect the rights, property, or safety of our clients, our employees agents and subcontractors or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Keeping your data secure

We will use technical and organisational measures to safeguard your personal data, for example:

• access to your account is controlled by password and username which are unique to you
• we store your personal data on secure servers
• payment details are encrypted using SSL technology

Whilst we will use all reasonable efforts to safeguard your personal data, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data which are transferred from you or to you via the internet.

Monitoring

We may monitor and record communications with you (such as telephone conversations and emails) for the purpose of additional security, to improve quality and services standards, complaint resolution, & training.
Credit checking

To enable us [and other companies in our group] to make credit decisions about you [and members of your household] and for fraud prevention and money laundering purposes, we may search the files of credit reference [and fraud prevention] agencies (who will record the search). We may disclose information about how you conduct your account to such agencies and your information may be linked to records relating to other people living at the same address with whom you are financially linked. Other credit grantors may use this information to make credit decisions about you and the people with whom you are financially associated, as well as for fraud prevention, debtor tracing and money laundering purposes. If you provide false or inaccurate information and we suspect fraud, we will record this.

Information about other individuals

If you give us information on behalf of someone else, you confirm that the other person has appointed you to act on his/her behalf and has agreed that you can:

• give consent on his/her behalf to the processing of his or her personal data
• receive on his/her behalf any data protection notices
• give consent to the transfer of his/her personal data abroad]
• give consent to the processing of his or her personal details, account information, and sensitive data

Controlling your information

You have the right, subject to the payment of a small fee of £10.00 to request access to personal data which we may process about you. If you wish to exercise this right you should:

• put your request in writing
• include proof of your identity and address (eg a copy of your driving licence or passport, and a recent utility or credit card bill)
• attach a cheque in the amount of £10.00 made payable to Online Collections Group Ltd
• specify the personal data you want access to, including any account or reference numbers where applicable.

You have the right to require us to correct any inaccuracies in your data free of charge. If you wish to exercise this right you should:

• put your request in writing
• provide us with enough information to identify you (eg account number, username, registration details)
• specify the information that is incorrect and what it should be replaced with.
• provide us with enough information to identify you (eg account number, username, registration details)

Changes to this Policy

We may change this privacy policy from time to time. You should check this policy occasionally to ensure you are aware of the most recent version which will apply each time you access this website.