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Privacy Policy

Effective Date: January 3, 2026 | Last Updated: January 3, 2026

1. Introduction

Premier Debt Solutions Ltd is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website (https://premier-debts.com), use our debt recovery services, or interact with our advertisements.

We are a registered Data Controller and/or Data Processor in Kenya and operate in strict compliance with the Data Protection Act, 2019 and other applicable laws.

2. Information We Collect

We collect personal data necessary for the lawful purpose of debt recovery and business operations. This includes:

A. Information from Clients (B2B)

When you hire us to recover a debt, we collect:

  • Company Details: Business name, registration number, and address.
  • Contact Information: Name, email address, and phone number of the authorized representative.
  • Debtor Information: Files and data regarding the individuals or entities who owe you money, including their names, contact details, and loan/invoice history.

B. Information About Debtors

If you are a debtor being contacted by us, we may process:

  • Identity Data: Name, ID/Passport number.
  • Contact Data: Phone numbers, email addresses, physical addresses.
  • Financial Data: Outstanding balance, payment history, bank account details (for payment processing).
  • Location Data: Sourced through skip tracing or field visits where lawful.

C. Information from Website Visitors

  • Lead Forms: Name, email, phone number, and company name when you request a quote.
  • Technical Data: IP address, browser type, and cookies (for Google Analytics and Google Ads conversion tracking).

3. How We Use Your Information

We use your data for specific, lawful purposes:

  1. Debt Recovery: To contact debtors, negotiate payments, and recover outstanding sums on behalf of our clients.
  2. Service Fulfillment: To provide quotes, updates, and reports to our clients.
  3. Legal Compliance: To comply with court orders, CRB reporting requirements, and Kenyan tax laws.
  4. Skip Tracing: To locate debtors who have moved or changed contact details, using public records and credit bureaus.
  5. Marketing: To contact potential business clients who have expressed interest in our services (you may opt out at any time).

4. Legal Basis for Processing

Under the Data Protection Act, 2019, we process data based on:

  • Contractual Necessity: To fulfill our agreement with the creditor/client.
  • Legitimate Interest: To recover debts owed and protect commercial interests.
  • Legal Obligation: Where we are required by law to report to authorities or Credit Reference Bureaus (CRBs).

5. Disclosure of Your Information

We do not sell your personal data. We may share data with:

  • Credit Reference Bureaus (CRBs): To list default status as permitted by law.
  • Legal & Enforcement Partners: Lawyers, auctioneers, or private investigators strictly for recovery purposes.
  • Service Providers: Secure hosting, email, and payment processing vendors.
  • Law Enforcement: If required by a court order or to prevent fraud.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, loss, or misuse. Our staff is trained on data privacy and confidentiality.

7. Data Retention

We retain personal data only as long as necessary to fulfill the purposes of collection (e.g., until the debt is paid) or as required by law (e.g., 7 years for tax and audit records).

8. Your Rights

Subject to the Data Protection Act, you have the right to:

  • Access: Request a copy of the personal data we hold about you.
  • Rectification: Request correction of inaccurate or incomplete data.
  • Erasure: Request deletion of data (subject to our legal obligation to keep records of financial transactions).
  • Objection: Object to processing for direct marketing purposes.

To exercise these rights, please contact our Data Protection Officer at the email below.

9. Contact Us

If you have questions about this privacy policy or our data practices, please contact us:

Email: info@premier-debts.com

Website: https://premier-debts.com