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Privacy Policy

Privacy Policy
Please read our Privacy Policy carefully before using this website ("the Website”).References. Any references to “we”, “us”, “Cabot” or "Group" means Cabot Credit Management Group Limited. It is also important that you read the Terms and Conditions which govern your use of the Website.
Cabot Credit Management Group Limited is the data controller of your data. You have the right to access the information we hold about you or raise any complaints about how we are processing your personal information. Any requests or complaints must be made in writing to the Data Protection Officer, Cabot Credit Management Group Limited, 1 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA. We are allowed to charge a fee of £10 for any requests for information and may request evidence about your identity (for example, a copy of your current passport or driving licence). Please never send us original passport or driving licences.

Cabot takes privacy very seriously. The following privacy statement sets out, in relation to the Website and/or your account(s), what sort of information we collect and hold about you, how that information is collected, how we use that information and how that information can be corrected and/or updated.
If you have any questions about this privacy statement please contact cabotcustomer@cabotfinancial.com in the first instance.
How we use your personal information
Cabot collects information on the Website, which you provide to us and we obtain from third parties when your details are passed on to us. We collect, for example, personal information to allow you to use the Website or use the specific online service provided and this will depend on which services you access and use. Typically, we may collect, but is not limited to, the following information about you:

• Any information, including personal information you submit via the Website;
• Any information in relation to an account that is processed or serviced via the Website;
Some personal information is also gathered when you register to use the site and/or use the online services provided.
Your information is stored securely on our database for as long as it is necessary in order to:

• Provide access to the Website services
• Supply the service that we provide to you;
• Understand, evaluate and improve our services;
• Monitor your usage of the website, which may include, but not limited to, how many times you visit the Website, your behavioural patterns, which pages you go to, traffic data, location data and the originating domain name of a user’s internet service provider;
• Undertake statistical analysis
Our use and collection of your personal information is to administer your account(s), including the performing of debt administration and collection services, providing your personal information to 3rd parties or our agents to a) to trace your whereabouts, or b) perform debt collection services, or we may send your personal information to your 3rd party representative who you have appointed. Sometimes we need to give information to our subcontractors so that they can provide a particular service for us. We may also use or pass your personal information to companies inside and outside our Group where we sell any part of our business or assign any part of our rights and/or duties or dispose of any rights relating to you. Where we do this, we will ensure that the third party has adequate measures in place to continue to protect your rights. We may also disclose information if we believe we have a legal or regulatory duty to do so.

Credit Reference Agencies

We may provide details to the Credit Reference Agencies with regular information about you and any financial associate if you have one, for example, a person with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. We may also provide details to the Credit Reference Agencies with regular information about your account, or the behaviour of your account. Other lenders may use this to make decisions on future applications for credit or for the purpose of tracing debtors. We may also obtain information from Credit Reference Agencies to trace customers and to prevent money laundering and/or fraud. We may also search public records, such as the Electoral Roll, that are available from Credit Reference Agencies to help us verify your identity or determine your financial status. We will also obtain information about you from the agency to help make decisions about you, your account and the behaviour of your account. You can ask the Credit Reference Agencies, details below, for a copy of your credit file – they may charge a fee for this service. If there is anything incorrect on your credit file, you can ask them to add a Notice of Correction.

Experian Limited
Customer Support Centre
PO Box 8000
Nottingham NG80 7WF
Tel 0800 013 88 88
www.experian.co.uk                

Equifax Limited
Customer Service Centre
PO Box 10036
Leicester LE3 4FS
Tel 0800 014 2955
www.equifax.co.uk 

Callcredit Limited
Consumer Services
PO Box 491
Leeds LS3 1WZ
Tel 0330 024 7574
www.callcredit.co.uk 

Communications with us and our responsibility for customer confidentiality

Your preferences on how we communicate with you are very important to us. We may obtain or record details of your telephone numbers and email addresses you contact us from or provide to us and these may be recorded as your preferred method of contact, unless you tell us otherwise, in order for us or any 3rd parties to communicate with you in relation to your accounts. If you send us an email, remember that it may be “insecure” and could be intercepted. If you do send us an email, please keep the amount of confidential personal information to a minimum. We will do likewise. We will not give your contact details to any 3rd parties which are not authorised or recognised by us. We may record phone conversations to offer you and ourselves additional security, to resolve complaints, to ensure we comply with our regulatory obligations and in order to improve our quality and service standards. Conversations may also be monitored for training purposes. Our employees are responsible for maintaining customer confidentiality. We regularly provide education to and test the competence of our staff about their obligations. We may also be required to obtain sensitive personal details in relation to you or your circumstances. Where we do so, we will always obtain your consent to record such information and treat such information in confidence and in accordance with all data protection principles.

Our Customer Service Promise

We aim to deal with each customer with empathy and respect, and strive to be the best at what we do. We have dedicated systems, controls and procedures to provide each customer with fair treatment and positive outcomes. We also wish to continually improve how we interact with you and sometimes we may ask you to participate in surveys. We may also pass limited information about you to 3rd parties for the purposes of customer insights, however, we will ensure that your information is not used for any other purposes. Where you have expressed that you do not wish to participate nor have your details sent to a 3rd party for such purposes, we will respect your wishes.

Financial Crime Prevention

We have systems that protect our customers and ourselves against fraud and other crime, including money laundering. Customer Information can be used to prevent crime and trace those responsible. As part of our ongoing monitoring of the account and to service your account, by law we have to confirm your name, address and other details which may required to identify you. This means your details may be shared between the Cabot Financial Group of Companies for anti-money laundering and fraud prevention purposes. Some Acts of Parliament oblige us to disclose customer information to certain bodies with statutory powers.
Use of cookies

When you log in to the secure area of the Website to access your account(s), we will require to place a cookie to keep you logged into the secure account area. This will be in the form of a random alpha-numeric string that is generated and sent from our server to your computer to identify the current interaction session. The purpose of this cookie is to enable you to remain logged-in to the website for the duration of your Internet browser session and removes the need for you to input your log in details each time you browse to a new page. When you close your Internet browser, the cookie iwill be automatically removed This cookie only contains your User ID, which is a database reference and does not contain any other personal data. By logging in to our secure area, you consent for us to place a cookie on your computer.

We also use cookies for the following reasons:

• Google Analytics, such as analysing the traffic to the Website and to speed up access to the website ; and
• To ensure the text and font styles displayed are legible by using Scalable Inman Flash Replacement or sIFR.
We will ask you on the homepage whether you want us to place a cookie on your computer for the above reasons. You should also know that the vast majority of web browsers accept cookies. However, you can manually change your browser settings so that cookies are not accepted. If you do this, you may lose some of the functionality of this website, including the use of the secure area of the Website. For further information about cookies and how to disable them please go to: aboutcookies.org.

Protecting your personal information

Your access to the Website is password-protected so that only you have access to any personal information, you have provided and/or we have obtained.
We strongly recommend that you do not divulge your password to anyone. We will never ask you your password in an unsolicited phone call or in an unsolicited email.
When you use the online secure area your information is encrypted whilst it is being transferred over the Internet. We have appropriate technological and operational procedures in place to protect your information from any loss, misuse, alteration or destruction and all persons within the Group are subject to strict obligations of confidentiality. We endeavour to take all reasonable steps to ensure your personal information is protected. To help protect your personal data and minimise the risk of it being intercepted by third parties, we offer the use of a secure server and use industry standard encryption when you submit information through the Website. However we cannot guarantee the security or the integrity of information which you send online. In particular you should not use email to send confidential or sensitive information.

Links to other websites

We may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that by you accessing any linked website, we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including, without limitation, any advertising, content, products, goods or other materials or services on or available from such websites or resources or (ii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods, or other materials or services available on such external websites or resources. However, we strongly encourage you to read the privacy statements of these linked sites, as their Privacy Policy may differ from ours.

How long will we store and keep information?

We will not keep your information for longer than is necessary for the purposes outlined in this Privacy Policy. Should you require more information, please write to us in writing to the address detailed at the outset of this Policy.
Transfer of your data outside the European Economic Area

We may sometimes provide your information to 3rd parties who provide us with a particular service, for the purposes outlined in this notice, and that information may be transferred outside the European Economic Area (EEA). Where any such transfer of data takes place outside the EEA, we will ensure the 3rd party and ourselves have appropriate technical and organisational safeguards in place to ensure compliance with data protection and security principles. For these purposes, we will only use reputable and reliable 3rd parties who are regularly audited by us. We will keep any transfer of information outside the EEA to a minimum

Apex Credit Management Limited is a company registered in England and Wales with Company number 03967099.
Registered address: Apex Credit Management Limited, Buckingham Road, Brackley, Northamptonshire, NN13 7DN.

Apex Credit Management Limited is an appointed representative of Cabot Credit Management Group Limited authorised and regulated by the Financial Conduct Authority with firm reference number 677910.