Elite Debt Collection & Customer Service Limited – Comprehensive Policy

2. Privacy and Data Protection

We respect your privacy and are committed to protecting personal data in compliance with the General Data Protection Regulation (GDPR) and other applicable UK data protection laws. This section explains how we collect, process, and manage data:

Data We Collect:

• Client information (e.g., name, company details, contact information).

• Debtor information (e.g., name, contact details, financial history).

• Website usage data (e.g., cookies and analytics).

Purpose of Data Collection:

• To provide debt recovery services.

• To comply with legal obligations.

• To improve our website and services.

Your Rights: Under GDPR, you have the right to:

• Access your data.

• Request corrections.

• Request deletion where legally permissible.

• Object to processing.

Data Security: We implement strict measures to protect data from unauthorized access. Data is stored securely and retained only as long as necessary to fulfill legal or contractual obligations.

Contact: For privacy inquiries, email: complaint@elitedebtcollection.com.

3. Terms of Service

For Clients (Creditors):

• Scope of Services: We provide debt collection, advisory, and recovery services tailored to your needs.

• Fees: Fees are based on an agreed commission or hourly rate. Payment terms will be outlined in your service agreement.

• Liability: While we use our best efforts to recover debts, we cannot guarantee success and are not liable for unrecovered debts unless negligence is proven.

For Website Users:

• You may not use the website for unlawful purposes.

• We reserve the right to modify website content without notice.

Jurisdiction: This policy is governed by UK law.

4. Cookie Policy

We use cookies to enhance user experience and collect analytics data. Cookies include:

• Necessary Cookies: Essential for website functionality.

• Analytics Cookies: Help us understand user behavior.

You can manage cookies via your browser settings. For further information, refer to our dedicated Cookie Policy.

5. Complaints Policy

We are committed to resolving complaints efficiently and professionally.

How to File a Complaint:

• Email: complaint@elitedebtcollection.com

• Phone: UK: 0203-907-4848, Toll-Free (USA/Canada): +1 877-271-1219

Response Times:

• Acknowledgment: Within 48 hours.

• Resolution: Within 14 days, unless further investigation is required.

Escalation: If you’re dissatisfied with our resolution, you may escalate to an independent Alternative Dispute Resolution (ADR) body such as the Financial Ombudsman Service (FOS) or another accredited organization.

6. Code of Conduct

We operate under strict ethical guidelines to ensure all parties are treated fairly:

• Treat all parties (clients and debtors) with respect.

• Avoid harassment, intimidation, or coercive practices.

• Communicate clearly and transparently.

• Adhere to all applicable debt collection laws and regulations, including FCA guidelines, where relevant.

• Provide debtors with clear payment options and opportunities to discuss repayment terms where necessary.

7. Accessibility Statement

We are committed to ensuring our website is accessible to all users:

• Features include screen reader compatibility and text resizing options.

• If you encounter accessibility issues, contact us at complaint@elitedebtcollection.com.

8. Anti-Harassment and Fair Treatment Policy

We have zero tolerance for harassment or unfair treatment in debt recovery:

• Debtors will not be subjected to aggressive or unethical practices.

• All interactions will comply with debtor protection laws and FCA guidelines to ensure fair treatment.

9. Regulatory Compliance

We comply with all relevant UK regulations, including:

• GDPR: Protecting personal data.

• Adherence to FCA Guidelines: While we are not currently regulated, we voluntarily adhere to FCA principles, including Treating Customers Fairly (TCF), clear communication, and responsible debt recovery.

• Limited FCA Authorization Application: We have applied for Limited Authorization from the FCA, allowing us to carry out regulated debt recovery activities once approved. Until authorization is granted, we follow all FCA-recommended practices.

• Consumer Credit Act 1974: Ensuring compliance with legal standards in debt recovery.

• Fair Debt Collection Practices Act: (for U.S. operations) Avoiding unfair or deceptive practices.

10. Disclaimer

Information provided on our website and during services is for guidance only and not legally binding. Services are subject to availability and best efforts. Debt recovery outcomes are not guaranteed due to varying circumstances such as debtor solvency and legal restrictions.

11. Refund Policy (if applicable)

• Refunds will be provided only in specific circumstances, as outlined in the service agreement.

• Consultation fees or services already rendered are non-refundable unless otherwise agreed upon in writing.

12. Contact Information

For inquiries or further information, please contact us:

• Email: complaint@elitedebtcollection.com

• UK & Europe Phone: 0203-907-4848

• USA/Canada (Toll-Free): +1 877-271-1219

• Website: https://www.elitedebtcollection.com/

• LinkedIn: Elite Debt Collection LinkedIn

• Instagram: Elite Debt Instagram

• Facebook: Elite Debt Facebook

This comprehensive policy ensures transparency, legal compliance, and a commitment to ethical practices. If you have any questions, feel free to contact us via the details above.