Credit Solutions International Privacy Policy Statement
Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you, we trust that you will better understand how we keep our customer information private and secure while using it to serve you better. Keeping customer information secure is a top priority, and we are disclosing our policies to help you understand how we handle the personal information about you that we collect and disclose.
We at Credit Solutions International, referred to as (CSI), disclose the following in relation to your privacy.
• Recognition of Your Expectation of Privacy
We recognise that you expect privacy and security for your personal and financial affairs. We understand the need to safeguard the sensitive information about you that you have entrusted to us. We maintain standards and procedures designed to prevent misuse of this information.
Our Collection, Retention and Use of Customer Information: We collect, retain and use information about you only where we reasonably believe that it will help us administer our business. We collect and retain information about you only for specific business purposes, and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations in United Kingdom, United States of America and Republic of Ireland.
Web Tracking: We do not gather information on individual users on our website, other than details entered for contact requests.
E-mail: If, you choose to contact us via email, please keep in mind that your email address and any other information your email header shows about you, such as your name or organisation, will be revealed to us in the email. Also, it is important that you realise that email is not secure and may be intercepted by other third parties without your permission. For your own protection, we ask that you do not send confidential information to us via email. However, you have our commitment that when you communicate with us via email, we will use your email information only for the specific purpose of responding to your comments, questions or collection matters. Your email address will not be sold, nor will it be shared with others outside CSI unless we are compelled to do so by law.
Transactions: We may also use the information to contact you for additional information or for clarification. We may use the information to prepare documents or account agreements. All information we collect from you through electronic channels is handled in strict compliance with our Privacy Policy and Information Safeguarding Procedures.
• Our Maintenance of Accurate Information
CSI has adopted procedures to help assure that your financial information is accurate, current, and complete in accordance with reasonable commercial standards. We also have procedures to respond to your request to correct inaccurate information in a timely manner. While laws in both the UK and USA requires some of these procedures, we have implemented additional procedures to maintain accurate, current, and complete financial information, including processes to update information and to remove old information.
You have the right to access the personal data we hold about you. You may initiate a request to view your personal data via writing to our office address or by sending an email to privacy @ csiukus.com and in all instances we reserve the right to take appropriate steps to authenticate an applicant’s identity. If you believe that our records contain inaccurate or incomplete information about you, please let us know immediately. Please notify us by writing to our office address or via email to corrections @ csiukus.com. We will investigate your concern and correct any inaccuracies as quickly as possible.
Consumer Reporting Agencies: If you believe we have reported inaccurate information about your account to any consumer-reporting agency, please let us know by writing to our office address or via email to corrections @ csiukus.com. We will investigate your concern and correct any inaccuracies we find. We will confirm any actions we take with you.
Telephone Calls: Calls are not routinely recorded but may be recorded and monitored for both quality assurance purposes and to confirm details of the conversation. Callers will always be advised that calls are being recorded before any confidential information is released.
• Restrictions on the Disclosure of Account Information
We do not disclose information about your accounts or other personal information about you to unaffiliated third parties unless:
you request or authorise the release, or
it is necessary to complete transactions or transfers that you initiated, or
it is in compliance with a government agency or court order or at the request of a recognised regulator, or
it is for the purpose of verifying the existence and condition of your account for a third party.
From time to time CSI contracts with outside vendors and other business partners to perform specific services for CSI. When doing so, CSI selects business partners and vendors that adhere to similar privacy standards.
• Maintaining Your Privacy in Business Relationships with Outside Third Parties
Sometimes it is necessary to provide personally identifiable information about you to a third party, such as to a vendor or service company that we hire to prepare your account statements or to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential information about you. Information may be sent via electronic secure format to any of our subsidiary companies in different locations worldwide. You have the right to access this information and upon receiving the appropriate written request CSI will provide you with a copy of such information held.
CSI complies with the EU-US Privacy Shield Framework as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries. CSI has certified to the Department of Commerce that it adheres to the Privacy Shield Principles. If there is any conflict between the policies in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification page, please visit https://www.privacyshield.gov/. CSI also acknowledges the investigatory and enforcement powers of the Federal Trade Commission (FTC).
In compliance with the Privacy Shield Principles, CSI commits to resolve complaints about our collection or use of your personal information. Individuals in the European Union with inquiries or complaints regarding our Private Shield policy should first contact CSI at our office address or via email to privacy @ csiukus.com.
CSI has further committed to refer unresolved Privacy Shield complaints to American Arbitration Association, an alternative dispute resolution provider located in the United States. If you do not receive timely acknowledgment of your complaint from us, or if we have not addressed your complaint to your satisfaction, please contact or visit https://www.adr.org for more information or to file a complaint. The services of American Arbitration Association are provided at no cost to you.
To learn more about earlier Safe Harbor arrangements, please visit http://www.export.gov/safeharbor/