1. Who We Are
Apex Debt Collection Limited is the data controller for the personal data we process. Our registered address is 74 Winstanley Road, Saffron Walden, CB11 3EX, England. If you have any questions about this policy or our data practices, contact us at: enquiries@apexdebtcollection.co.uk
2. What Data We Collect
We may collect and process the following categories of personal data:
- Identity data: name, job title, company name
- Contact data: email address, telephone number, postal address
- Financial data: details of debts, invoices, payment history
- Communications data: records of calls, emails, and letters
- Technical data: IP address, browser type, pages visited on our website
We collect data directly from you (when you contact us or instruct us), from our clients (when they instruct us regarding a debt), and from third-party sources such as credit reference agencies and public registers.
3. How We Use Your Data
| Purpose | Lawful Basis |
|---|---|
| Providing debt collection services to our clients | Legitimate interests / Contract performance |
| Contacting debtors regarding outstanding balances | Legitimate interests |
| Responding to enquiries from prospective clients | Legitimate interests / Pre-contractual steps |
| Complying with legal and regulatory obligations | Legal obligation |
| Improving our website and services | Legitimate interests |
4. Who We Share Data With
We may share your personal data with:
- Our panel solicitors, where legal action is required
- Credit reference and trace agencies
- Courts and enforcement agencies
- IT and software service providers who support our operations
- Regulators or law enforcement where required by law
We do not sell personal data to third parties.
5. Data Retention
We retain personal data only for as long as necessary for the purposes set out in this policy. Typically, case records are retained for 6 years following the close of a case, in line with the Limitation Act 1980. Website enquiry data is retained for 2 years unless a commercial relationship is established.
6. Your Rights
Under UK GDPR, you have the right to:
- Access the personal data we hold about you
- Rectify inaccurate data
- Request erasure of your data (where applicable)
- Object to processing based on legitimate interests
- Request restriction of processing
- Lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk
To exercise any of these rights, contact us at enquiries@apexdebtcollection.co.uk. We will respond within one calendar month.
7. Transfers Outside the UK
We do not routinely transfer personal data outside the UK. If this changes, we will ensure appropriate safeguards are in place in accordance with UK GDPR requirements.
8. Changes to This Policy
We may update this Privacy Policy from time to time. The current version will always be available on our website. We encourage you to review it periodically.