1. Who we are
ORegan Ltd, trading as South Coast Collections (“SCC”, “we”, “us” or “our”), is responsible for deciding how and why personal information is used for the activities described in this notice.
2. Information we may collect
- Names, roles, business addresses and business contact details
- Client, creditor, debtor and representative information
- Invoices, statements, contracts, purchase orders and delivery records
- Account balances, payment history and settlement information
- Correspondence, call notes, disputes, complaints and case activity
- Public-record information relevant to a commercial debt or business
- Technical information created when you use our website or email services
We seek to collect only information reasonably necessary for the relevant purpose. Please do not send unnecessary identity documents, bank details or sensitive personal information through an initial website enquiry.
3. Where information comes from
Information may come directly from you, from a client that instructs us, from the debtor or its representatives, from professional advisers and service providers, and from lawful public sources such as business websites, Companies House, court or insolvency records.
4. Why we use information
Enquiries and engagement
To respond, assess suitability, agree terms and administer a client relationship.
Debt recovery
To verify and pursue commercial debts, communicate, consider disputes and negotiate payment.
Business records
To invoice, maintain accounts, prevent fraud, secure our systems and keep appropriate records.
Rights and claims
To respond to complaints and rights requests and to establish, exercise or defend legal claims.
5. Our lawful bases
Depending on the circumstances, we rely on steps taken at your request before a contract, performance of a contract, compliance with a legal obligation, and legitimate interests. Our legitimate interests include providing and administering commercial debt recovery, protecting and enforcing legal rights, maintaining accurate records, operating a secure business and communicating with business contacts. We consider the necessity and impact of this processing.
Where special-category information is unexpectedly received, we will only use it where an additional lawful condition applies and it is necessary.
6. Who we may share information with
Where necessary and lawful, information may be shared with the instructing client, the debtor and their representatives; solicitors, courts, insolvency practitioners or other professional advisers; approved tracing, process-serving or specialist suppliers; technology, email, hosting and records providers; insurers; regulators, public authorities or law-enforcement bodies.
We do not sell personal information.
7. International processing
Some technology providers may process information outside the United Kingdom. Where this occurs, we require an appropriate lawful safeguard or rely on another permitted transfer mechanism.
8. How long we keep information
We retain information only for as long as reasonably necessary for the purpose collected, including complaints, accounting, legal-claim and record-keeping requirements. Case and client records will normally be retained for up to six years after the relationship or case ends, unless a shorter or longer period is justified.
9. Your rights
Depending on the circumstances, you may have rights to request access, correction, erasure, restriction or transfer of your personal information, and to object to processing. Some rights are qualified and may not apply where information must be retained or used for legal claims.
To exercise a right, email hello@southcoastcollections.com. We may need proportionate information to verify your identity.
10. Automated decisions and security
We do not make solely automated decisions producing legal or similarly significant effects. We use proportionate organisational and technical measures intended to protect information against unauthorised access, loss, alteration or disclosure.
11. Website technology and external links
We do not currently use advertising or analytics cookies. Basic technical information may be processed by our hosting and security providers to deliver and protect the website. Our pages request web fonts from Google, which may receive technical request information such as an IP address and device details.
Links to WhatsApp, Instagram and Facebook take you to services operated by other organisations under their own privacy terms.
12. Complaints and updates
Please contact us first if you have a privacy concern. You also have the right to complain to the Information Commissioner’s Office.
We may update this notice when our services, suppliers or legal obligations change. The effective date shown on this page identifies the current version.