Privacy Policy

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1. Introduction

Credit Intell Limited (Credit Intell) has created a number of Online Platforms to enable its clients to manage and control their businesses more efficiently and effectively.  The Platforms are applications designed for various online activities including, but not limited to, the lodgement, control and management of Online Credit Applications including trade credit applications..

Credit Intell has adopted this Policy in accordance with the privacy law. This Policy outlines how Credit Intell deals with Personal Information, which it collects in conjunction with the Platforms. Credit Intell may also collect information about Individuals who do not use the Platforms. Capitalised words in this Policy are defined terms. Defined terms are explained at the end of this Policy.

2. Collecting information directly from people

Credit Intell collects Personal Information directly when:

  • an Individual contacts Credit Intell by telephone, fax, email or another form of communication;
  • an Individual gives Credit Intell his or her information in person on a paper form;
  • an Individual sends Credit Intell a message through SMS or a third party app;
  • an Individual registers or subscribes for an account;
  • the Platforms automatically captures Personal Information in content Individuals post on the Platforms;
  • our server and analytics service logs details about website visits;
  • location services, when switched on, capture Individuals’ locations;
  • our website places or retrieves a cookie on Individuals’ devices;
  • our website or server stores visitors’ IP addresses.

3. Collecting information from third parties

Credit Intell collects Personal Information about Individuals from third parties when:

  • third parties give Credit Intell access to files containing Personal Information;
  • we conduct research on Individuals, including potential customers; and
  • we retrieve data from another government agency.

4. Organisations using the Platforms

Credit Intell provides the Platforms to Organisations, which use them as business and information management tools and for conducting transactions on behalf of their own customers or clients. Both Credit Intell and the Organisations may collect Personal Information from Individuals, including when:

  • Organisations collect information directly from Individuals using the Platforms;
  • Organisations give Credit Intell access to their files containing Personal Information; and
  • Organisations enter or process information (such as notes or files) about Individuals using the Platforms.

5. Types of Information that Credit Intell collects and holds

Using processes described in this Policy, Credit Intell collects the following categories of Personal Information about Individuals:

  • (Content) whatever Personal Information is included in content Individuals enter using the Platforms;
  • (Identity Information) name, signature, date of birth, nationality, license & registration details, bank account details, family details, employment details, educational qualifications, usernames;
  • (Contact Information) email address, social media profiles, telephone & fax number, third-party usernames, residential, and postal addresses;
  • (Internet Data) webpage views, IP address, referring web site addresses, location, browser type, operating system, domain name, access times and other data typically collected by analytics services like Google Analytics; and

6. How Credit Intell stores Personal Information

Credit Intell holds and stores Personal Information using:

  • (Storage Services) third party data storage services, including applications and software;
  • (Credit Intell Devices) devices operated by employees of Credit Intell’s business; and
  • (Paper Files) printed paper and third party archival storage services.

7. Security

Credit Intell will take reasonable precautions to protect Personal Information from unauthorised access. This includes measures to secure Credit Intell’s physical facilities and electronic networks.

Credit Intell secures Personal Information that it collects with credentials, passwords, pins, encryption, session expiry, firewalls, SSL network encryption, and through the use of reputable vendors.

For more information on security, please contact Credit Intell using the details in the “contacting us” below.

8. Deletion procedures

Credit Intell deletes Personal Information when users close their account with us.

9. Why data is held, used and disclosed

Credit Intell’s handling of Personal Information includes holding, using and sometimes sharing the Personal Information so that we can:

  • provide functionality within the Platforms;
  • provide notifications and support;
  • offer marketing and promotions, competitions, surveys and questionnaires;
  • transact with Individuals and process payments;
  • assess and improve the Platforms;
  • provide secure access to the Platforms.

10. Handling of data

Some collection, holding, use and disclosure of information happens simply by virtue of Individuals and Organisations using the Platforms.

The purpose of the Platforms is to allow Credit Intell, Organisations and Individuals to enter, manage and communicate information, including Personal Information, relating to the onboarding and credit assessment of customers.

11. Disclosing Personal Information

Credit Intell shares Personal Information with others in the following ways:

  • facilitating the sharing of information about sales, inquiries and payments.
  • processing transactions lodged by a user on the Platforms, including generating commercial credit reports.

12. Service providers can access personal information

When Credit Intell uses the services of companies that we work with to provide the Platforms, they may get access to Credit Intell’s data, including Personal Information. Such third party services may include:

  • (Government Agencies) Government agencies that administer UK companies, business names and organisations;
  • (Hosting) Cloud and web hosting service providers;
  • (SaaS) providers of software as a service;
  • (Support) providers of IT support services, web and software development;
  • (Data analytics) Google Analytics (see Google Privacy Policy (http://www.google.com/intl/en/policies/privacy/));
  • (Online payment) providers of online payment systems; and
  • (Apple device functionality providers) Apple location services, Siri dictation, Apple Maps, Apple Notifications (see Apple Privacy (http://www.apple.com/au/privacy/)).

Credit Intell will only share Personal Information with these third parties to the extent reasonably necessary to perform their functions.

These third parties may have their own privacy and security policies. For more information about this, please contact Credit Intell using the details listed in the “contacting us” section below.

For information on disclosures to overseas recipients, see below.

13. Disclosing information overseas

Credit Intell may store or process some Personal Information overseas. Individuals may not have the same rights relating to their information when it is overseas as they would under UK privacy law.

By providing Credit Intell with Personal Information, Individuals consent to the transfer of their Personal Information to overseas recipients as contemplated by this privacy policy.

If Individuals consent to such transfer, Credit Intell will not be accountable for overseas recipients’ handling of their Personal Information.

14. Contacting us

Individuals may edit content and account details within the Platforms.

However, Individuals can also contact Credit Intell using the details below if they want to access, correct or delete Personal Information or lodge a complaint.

Privacy Officer: admin@creditintell.co.uk 

Credit Intell reserves the right to refuse access or correction where there are reasonable grounds for doing so, for example if providing access would be unlawful or would compromise the privacy of another person.

15. Complaints process

If Individuals have a complaint about privacy, they can contact Credit Intell using the details listed above.

Credit Intell will respond to complaints in writing within a reasonable period (usually 10 business days from the day we receive an email).

Credit Intell will try to work with Individuals to resolve complaints entirely within 20 business days, although that period may be longer if it is reasonable to take longer given the nature of the complaint.

If Individuals are unsatisfied with our response, they may refer the complaint to the Information Commissioner’s Office (ICO) (https://ico.org.uk/make-a-complaint/data-protection-complaints/).

16. Amendment

Credit Intell may amend the Privacy Policy at its sole discretion. Individuals that continue to use the Platforms after receiving notice from Credit Intell of such an amendment, agree to be bound by the Privacy Policy as amended.

17. Definitions

Affiliate means a third party referrer appointed by Credit Intell in respect of the Platforms.
Individual means a natural person.
Organisation means third party Organisations using the Platforms including Affiliates.
Personal Information means information about an Individual whose identity is apparent, or can reasonably be ascertained, from that information. This includes information like names, telephone numbers, email addresses and physical addresses.
Platform means the software platform known as “the Platforms”.
Policy means this document, drafted in accordance with the UK General Data Protection Regulation (UK GDPR) and Data Protection and Digital Information Act 2024.
Credit Intell, we, us and our means the Platforms Credit Intell Limited Company Number 15613738.