Privacy Policy

1. Introduction

Pre-Sue Reports ("we", "our", or "us") is committed to protecting your privacy and the privacy of individuals whose data appears in our reports. This Privacy Policy explains how we collect, use, process, and protect personal data in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Data Controller Information

3. Information We Collect

3.1 Account Information

When you create an account, we collect:

• Name and contact details
• Company information
• Email address and phone number
• Account credentials (encrypted passwords)
• Payment information (processed securely by third-party providers)

3.2 Report Data

For report generation, we collect:

• Debtor personal and business information
• Financial information from public records
• Property ownership details
• Credit reference information
• Court records and judgments
• Guarantor information where applicable

3.3 Usage Information

We automatically collect:

• Log files and access records
• IP addresses and browser information
• Usage patterns and service interactions
• Cookies and similar technologies

4. Legal Basis for Processing

We process personal data under the following legal bases:

• Contract: To provide our debt collection services and fulfill contractual obligations
• Legitimate Interests: For debt collection purposes, fraud prevention, and service improvement
• Legal Obligation: To comply with court orders, regulatory requirements, and legal processes
• Consent: Where explicitly provided for marketing communications or optional services

5. How We Use Your Information

We use personal data for:

• Providing pre-sue reports and debt collection services
• Processing payments and managing accounts
• Communicating about your orders and services
• Complying with legal and regulatory obligations
• Preventing fraud and ensuring service security
• Improving our services and developing new features
• Marketing communications (with consent)

6. Data Sources

We obtain information from:

• You (our customers) directly
• HM Land Registry
• Companies House
• Credit reference agencies
• Court records and public registries
• Electoral roll and publicly available directories
• Third-party data providers (AccountAssyst network)

7. Data Sharing and Disclosure

We may share personal data with:

• Clients: Reports containing relevant debtor information
• Service Providers: IT support, payment processors, data suppliers
• Legal Authorities: When required by law or court order
• Professional Advisors: Lawyers, accountants, auditors (under confidentiality)
• Business Partners: AccountAssyst network members for service delivery

We do not sell personal data to third parties. All sharing is conducted under appropriate data processing agreements and security measures.

8. Data Security

We implement robust security measures including:

• Encryption of data in transit and at rest
• Access controls and user authentication
• Regular security assessments and updates
• Staff training on data protection
• Incident response and breach notification procedures
• Secure data centers with physical security controls

9. Data Retention

We retain personal data for:

• Account Data: Duration of your account plus 7 years for legal requirements
• Report Data: 6 years from report generation (debt collection limitation period)
• Transaction Records: 7 years for accounting and tax purposes
• Marketing Data: Until consent is withdrawn or account closure
• Legal Claims: Duration of potential legal proceedings plus 1 year

Data is securely deleted when retention periods expire, unless extended retention is required for legal or regulatory purposes.

10. Your Rights

Under UK GDPR, you have the right to:

• Access: Request copies of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data (subject to legal obligations)
• Restriction: Limit how we process your data
• Portability: Receive your data in a structured, machine-readable format
• Object: Object to processing based on legitimate interests
• Withdraw Consent: Where processing is based on consent

To exercise these rights, contact us at support@presuereports.co.uk. We will respond within one month of receiving your request.

11. International Transfers

Personal data may be transferred to countries outside the UK for processing by our service providers. All transfers are protected by appropriate safeguards including:

• Adequacy decisions by the UK government
• Standard Contractual Clauses approved by the ICO
• Binding Corporate Rules where applicable

12. Cookies and Tracking

We use cookies and similar technologies for:

• Essential website functionality
• User authentication and security
• Analytics and service improvement
• Remembering user preferences

You can control cookie settings through your browser. Essential cookies cannot be disabled as they are necessary for service functionality.

13. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. Significant changes will be communicated via email or prominent notices on our website. The "Last updated" date at the top indicates when changes were made.

14. Complaints

If you have concerns about how we handle your personal data, please contact us first at support@presuereports.co.uk. If you remain unsatisfied, you can lodge a complaint with the Information Commissioner's Office (ICO):

15. Contact Us

For any questions about this Privacy Policy or our data practices: