Privacy Policy

This policy explains how Collect Compare Ltd (“we”, “us”, “our”) collects and uses personal data when you use collectcompare.co.uk. We are the data controller for the information described here.

Contact: contact@collectcompare.co.uk · Collect Compare Ltd, 86-90 Paul Street, London, EC2A 4NE · Registered in England & Wales, company no. 16514658 · ICO registration ZB988652.

The short version

• We’re a comparison service, not a debt collection agency.
• When you choose or are matched with an agency, we pass your enquiry and contact details to that agency so they can help you — that’s the whole point of the service.
• Until you choose, agencies don’t see who you are.
• We never sell your data, and we don’t share it with agencies you didn’t choose.

What we collect

When	What
Comparing / being matched	Debtor postcode, amount owed, debt type and related answers you give us. This is anonymous until you choose.
Choosing an agency	Your name, email address and phone number, plus any comments you add.
Late-payment calculator	Your email address and the invoice figures you enter (and any letter details you choose to add).
Contacting us	Your name, email and message.
Agencies signing up	Company and contact details, coverage and service preferences.
Automatically	Basic technical data (IP address, approximate region, and privacy-respecting analytics). See our Cookie policy.

Why we use it, and our lawful basis

• To match you with an agency and make the introduction — to take steps at your request before entering a contract, and our legitimate interest in running the service.
• To send your calculator breakdown and letter — your consent, given when you ask us to email it.
• To respond to enquiries and provide support — our legitimate interests.
• To run the agency marketplace and bill agencies — performance of our contract with the agency, and legitimate interests.
• To keep the service secure and meet legal obligations — legitimate interests and legal obligation.

Who we share it with

• The agency you choose or are matched with — they become an independent controller of your details once introduced, and their own privacy notice then applies.
• Service providers who help us operate, under contract and only as needed — for example email delivery (Amazon SES), payment processing (Stripe, for agency billing), and hosting (Cloudflare).
• Authorities or advisers where we’re legally required to, or to protect our rights.

We do not sell personal data or share it with agencies you didn’t select.

International transfers

Some providers may process data outside the UK. Where they do, we rely on appropriate safeguards (such as UK adequacy regulations or standard contractual clauses).

How long we keep it

We keep enquiry and lead records for as long as needed to run the service, resolve disputes and meet legal and accounting obligations, then delete or anonymise them. Calculator emails are kept until you unsubscribe or ask us to remove them.

Your rights

You have the right to access, correct, delete or restrict use of your data, to object to processing, and to data portability. Where we rely on consent, you can withdraw it at any time. To exercise any of these, email contact@collectcompare.co.uk.

You can also complain to the Information Commissioner’s Office (ICO) at ico.org.uk, though we’d appreciate the chance to help first.

Changes

We’ll update this page when our practices change and revise the “last updated” date above.