Privacy Policy

1. About this policy

Just Settlements respects your privacy and is committed to protecting personal information.

This policy explains how Just Settlements collects, uses, stores and shares personal information when you:

• visit our website;
• contact us about our services;
• act on behalf of a business;
• become a client; or
• communicate with us in connection with a commercial debt matter.

Just Settlements acts as the data controller for the personal information covered by this policy.

2. Information we collect

We may collect:

• your name, job title and business contact details;
• the name and details of the business you represent;
• information confirming your authority to act for that business;
• details of commercial debts and creditors;
• account numbers, agreements, statements, demands and correspondence;
• information about the business’s financial position and proposed settlement funds;
• records of telephone calls, emails, meetings and negotiations;
• invoices and payment records; and
• technical information collected when you use our website, including your IP address, browser and cookie data.

Our services relate to commercial debts owed by businesses. You should not submit information about personal credit cards, personal loans, residential mortgages or other consumer debts.

3. How we use information

We may use personal information to:

• respond to enquiries;
• assess whether we can provide our services;
• verify instructions and authority;
• enter into and manage client engagements;
• understand and assess commercial liabilities;
• communicate and negotiate with creditors;
• prepare and document settlement proposals;
• issue invoices and collect fees;
• maintain business and accounting records;
• deal with complaints or legal claims;
• prevent fraud and protect our systems; and
• comply with legal obligations.

We may also send relevant business communications where permitted by law. You may ask us to stop sending marketing communications at any time.

4. Our lawful bases

We process personal information where necessary:

• for our legitimate interests in operating and protecting our business, responding to enquiries and providing our services;
• to enter into or perform a contract;
• to comply with a legal obligation;
• to establish, exercise or defend legal claims; or
• where you have given consent.

Where we rely on consent, you may withdraw it at any time.

5. Sharing information

Where reasonably necessary, we may share personal information with:

• clients and their authorised representatives;
• creditors and their representatives;
• solicitors, accountants, insolvency practitioners and other professional advisers;
• website, email, IT, accounting and administrative service providers;
• insurers;
• courts, public authorities and law-enforcement bodies; and
• prospective purchasers or advisers in connection with a sale or transfer of the business.

We do not sell personal information for marketing purposes.

Service providers are required to use personal information only for the services they provide to us and to protect it appropriately.

6. International transfers

Some technology providers may process information outside the United Kingdom.

Where personal information is transferred internationally, we will use an appropriate lawful safeguard, such as an adequacy regulation, the UK International Data Transfer Agreement or the UK Addendum to standard contractual clauses.

7. Retention and security

We retain personal information only for as long as reasonably necessary.

As a general rule:

• enquiries that do not become client matters may be retained for up to 12 months; and
• client and negotiation records may be retained for up to six years after the matter ends.

Information may be retained for longer where required by law, taxation requirements, legal proceedings or an ongoing dispute.

We use reasonable technical and organisational measures to protect personal information against loss, misuse, unauthorised access, alteration or disclosure.

No method of electronic transmission or storage is completely secure, and sensitive information should not be sent unnecessarily through ordinary email or website forms.

8. Your rights

Depending on the circumstances, you may have the right to:

• request access to your personal information;
• correct inaccurate or incomplete information;
• request deletion of information;
• restrict how information is used;
• object to processing based on legitimate interests;
• object to direct marketing;
• request the transfer of certain information; and
• withdraw consent.

These rights are subject to legal limitations and do not apply in every circumstance.

To exercise a right, contact us using the details below. We may need to verify your identity before responding.

9. Cookies

Our website may use cookies and similar technologies.

Strictly necessary cookies may be used to operate and secure the website. We will request consent before using non-essential cookies where required by law.

Further details should be provided through our cookie notice and website cookie settings.

10. Complaints

Please contact us first if you have concerns about how your personal information has been handled.

You also have the right to complain to the Information Commissioner’s Office:

11. Contact us

For questions about this policy or the use of your personal information, contact:

12. Changes to this policy

We may update this privacy policy from time to time. The latest version will be published on our website with the date of the most recent update.