Privacy Policy
Welcome to checkapayer.com. Checkapayer Limited (a private limited company registered with company number: 14524341) (Checkapayer, we, us, our) is committed to protecting the privacy and security of your personal data.
This Privacy Notice describes how we collect, use and look after your personal data when you visit our Site and when you access and use the Checkapayer Services (regardless of where you visit our Site from). It also tells you about your rights and how the law protects you.
1. Important information
1.1. WE MAY SHARE YOUR PERSONAL DATA WITH THIRD PARTIES IN THE EVENT OF LEGAL PROCEEDINGS. We draw your attention to Clause 5 of this Privacy Notice which sets out the details of when we may share your personal data with third parties including where we are notified of a complaint or potential legal proceedings relating to an anonymous Review you have posted in the Checkapayer Services.
1.2. Supplemental Terms – This Privacy Notice supplements the other notices and terms published on our Site (including our Terms and Conditions, Cookies Policy, and Complaints Procedure (the Terms)) and is not intended to override them.
1.3. Controller – We are the controller of, and are responsible for, your personal data.
1.4. Understanding – To assist you further in understanding this Privacy Notice, we have set out in the Schedule a glossary of terms used in this Privacy Notice, examples of types of personal data we collect, how we use it, the lawful basis for processing such data and further details of your rights.
1.5. Questions – If you have any questions about this Privacy Notice, including any requests to exercise your legal rights, please contact us via email at privacy@checkapayer.com
1.6. Complaints – You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO) (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please contact us in the first instance.
1.7. Who can use our Site and Checkapayer Services – Our Site and the Checkapayer Services are not intended for children and we do not knowingly collect data relating to children.
1.8. Changes to this Privacy Notice – We may change this Privacy Notice from time to time by updating this page. Please check it regularly to ensure you are aware of any changes.
1.9. Changes to your personal data – It is important that the data we hold about you is accurate and current, therefore please keep us informed of any changes to your personal data.
1.10. Third-party links – Our Site and/or Checkapayer Services may include links to third-party websites, plug-ins and applications. By clicking on these links or enabling connections you may be allowing third parties to collect or share your personal data. We have no control over these third-party websites, plug-ins or applications and are not responsible for their privacy notices, therefore you should read their privacy notices to understand what personal data they collect about you and how they use it.
2. The data we collect about you
2.1. We may collect, use, store and transfer the types of personal data about you listed in Part 1 of the Schedule.
2.2. We also collect, use and share aggregated data. However, if we combine aggregated data with your personal data so that it can directly or indirectly identify you, we treat this as your personal data.
2.3. We do not collect any special categories of personal data or any information about criminal convictions and offences.
2.4. Failure to provide personal data – If we are required by law, or under the terms of a contract we have with you, to collect your personal data and you fail to provide it:
2.4.1. we may not be able to enter into or perform the contract with you; and/or
2.4.2. we may have to cancel the provision of the Checkapayer Services and/or the contract (as applicable);
we will notify you of this at the relevant time.
3. How personal data is collected
We collect data in the following ways:
| Direct interactions | You may provide personal data directly to us, including where you register for an Account, access and use the Checkapayer Services, where you leave a Review and include your personal data as part of the Review or where you otherwise correspond with us (by post, phone or email). |
| Automated technology | We automatically collect personal data (technical and usage) when you browse or interact with our Site, by using cookies, server logs and other similar technologies. We may also receive technical data about you if you visit other websites which use our cookies. Please see our Cookies Policy for further details. |
| Third parties | We may receive personal data from: (a) analytics providers; (b) advertising networks; (c) search information providers; and (d) our suppliers such as website support and maintenance providers. |
4. How we use your personal data
4.1. We will only use your personal data when the law allows us to. Most commonly, we will use your personal data:
4.1.1. to perform the contract we are to enter into or have entered into with you for the supply of the Checkapayer Services;
4.1.2. to comply with a legal obligation; or
4.1.3. where it is necessary to carry out our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
4.2. Part 2 of the Schedule sets out the lawful basis we will rely on to process your personal data.
4.3. Please note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your information.
4.4. Marketing – You will only receive marketing communications from us if you have:
4.4.1. an Account; or
4.4.2. provided your consent to receive marketing communications;
and have not opted out of receiving marketing communications, unsubscribed from our mailing list or withdrawn your consent.
4.5. We will not share your personal data with third parties for their marketing purposes.
4.6. How to opt out – You can opt out of email marketing by clicking the unsubscribe button within the particular marketing email. You can also withdraw your consent to receive marketing communications and asked to be removed from our mailing list at any time by contacting us.
4.7. Even if you opt out of receiving marketing communications, we may still use your personal data for other purposes provided we have a lawful basis to do so.
4.8. Change of purpose – We will only use your personal data for the purpose that we originally collected it for, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose or we have a lawful basis to change the purpose.
4.9. If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to use your personal data in this manner.
4.10. We may process your personal data (without your knowledge or consent) where this is required or permitted by law.
5. Disclosure of your personal data
5.1. We may share your personal data with the third parties set out in Part 4 of the Schedule. We require all third parties to respect the security of your personal data and to treat it in accordance with the law. Such third parties can only process your personal data for specified purposes and in accordance with our instructions.
5.2. WE MAY DISCLOSE YOUR PERSONAL DATA TO THIRD PARTIES IN THE EVENT OF THREATENED OR ACTUAL LEGAL PROCEEDINGS.
5.3. Checkapayer Limited recognises that good debtor management is essential for the proper financial management of a business. Accordingly, Checkapayer Limited is committed to providing a platform where publicly available Reviews may be made regarding a business’ promptness in payment, including by providing the ability to leave a review anonymously.
5.4. WE MAY BE REQUIRED TO DISCLOSE YOUR PERSONAL DATA IF WE RECEIVE A COMPLAINT ABOUT A REVIEW YOU HAVE POSTED – Where you leave an anonymous Review and we receive a complaint in respect of that Review we will:
5.4.1. contact you in accordance with our Complaints Procedure to obtain your consent to us disclosing your personal data to the individual making the complaint. Please note that if you do not provide us with your consent, we will not disclose your personal data to the person making the complaint unless the circumstances set out below in paragraph 5.4.2 arise, but we may still remove your Review in accordance with our Complaints Procedure.
5.4.2. disclose your personal data if we are required by a court order. Any disclosure we make will be in accordance with and as required by the court order. Please also note that we may not in such circumstances notify you in advance of the disclosure.
6. International transfers
6.1. Some Third Parties may be based outside of the UK, therefore your personal data may be transferred outside of the UK.
6.2. Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
6.2.1. we will only transfer personal data to countries that have been deemed to provide an adequate level of protection for personal data; or
6.2.2. we will use specific contracts which give personal data the same protection it has in the UK with our services providers.
7. Data security
7.1. We operate appropriate security measures to prevent personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. Access to personal data is restricted to individuals who have a business need to know it, are under confidentiality obligations and can only process it on our instructions.
7.2. We have procedures in place to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
8. Data retention
8.1. We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
8.2. We may update our data retention practices from time to time and you can request details by contacting us. However, we are legally required to keep basic information about our customers (including contact, identity, financial and transaction data) for six years after the end of the tax year in which they cease being customers, for tax purposes.
8.3. We may also anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes. We can use anonymised information indefinitely without further notice to you.
9. Your legal rights
9.1. Your legal rights in relation to your personal data are set out in full in Part 3 of the Schedule. If you wish to exercise any of your rights, please contact us.
9.2. You will not have to pay a fee to exercise any of your rights unless your request is clearly unfounded, repetitive or excessive. In which case, we may charge a reasonable fee for this information or refuse to comply with your request.
9.3. We may ask you to provide further information to help us confirm your identity. This is a security measure to ensure that personal data is not disclosed to any person who does not have the right to receive it.
9.4. We aim to respond to all legitimate requests within one month. If your request is particularly complex or you have made a number of requests it may take us longer to respond. In this case, we will notify you and keep you updated.
This Privacy Notice was created in March 2023.
Schedule
Part 1: Types of personal data
| Contact data | Billing address, delivery address, email address and telephone number. |
| Financial data | Bank account and payment card details. |
| Identity data | First name, maiden name, last name, username or similar identifier. |
| Marketing and communications data | Your preferences in receiving marketing from us. |
| Profile data | Your username. |
| Technical data | Internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access our Site. |
| Transaction data | Details about payments to and from you and other details of the Checkapayer Services you have purchased from us. |
Part 2: Lawful basis for processing and processing activities
The lawful basis upon which we may rely on to process your personal data are:
| Consent | You have given your express consent for us to process your personal data for a specific purpose. |
| Contract | The processing is necessary for us to perform our contractual obligations with you under our contract, or because you have asked us to take specific steps before entering into a contract with you. |
| Legal obligation | The processing is necessary for us to comply with legal or regulatory obligation. |
| Legitimate interests | The processing is necessary for our or a third party’s legitimate interest e.g. in order for us to provide the best service to you via our Site. Before we process your personal data on this basis we make sure we consider and balance any potential impact on you, and we will not use your personal data on this basis where such impact outweighs our interest. |
Set out below are specific details of the processing activities we undertake with your personal data and the lawful basis for doing this.
| Purpose/Activity | Type of data | Lawful basis for processing |
| To register you as a new customer. | Identity & contact | To perform our contract with you. |
| To process and deliver your order, manage payments, fees and charges and debt recovery. | Identity, contact, financial, transaction, marketing & communications | (i) To perform our contract with you; (ii) As necessary for our legitimate interest in recovering debts due to us. |
| To manage our relationship with you and notify you of changes to our Terms or Privacy Notice. | Identity, contact, profile, marketing & communications | (i) To perform our contract with you; (ii) As necessary to comply with a legal obligation; (iii) As necessary for our legitimate interests in keeping our records updated and analysing how customers use our products/services. |
| To administer and protect our business and the Site (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data). | Identity, contact & technical | (i) As necessary for our legitimate interests in running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise; (ii) As necessary to comply with any legal obligations. |
| To deliver relevant website content/advertisements to you and measure or understand the effectiveness of our advertising. | Identity, contact, profile, usage, marketing, communications & technical | As necessary for our legitimate interests in studying how customers use our Site and Checkapayer Services, to develop them, to grow our business and to inform our marketing strategy. |
| To use data analytics to improve our Site, the Checkapayer Services, marketing, customer relationships and experiences. | Technical & usage | As necessary for our legitimate interests to define types of customers for our Site and Checkapayer Services, to keep our Site updated and relevant, to develop our business and to inform our marketing strategy. |
| To deal with complaints and administer our complaints procedure | Contact, identity & profile | (i) To perform our contract with you; (ii) As necessary to comply with a legal obligation; (iii) As necessary for our legitimate interests in managing complaints and defending actions we take in respect of complaints; (iv) Consent. |
Part 3: Your legal rights
You have the following legal rights in relation to your personal data:
| Access your data | You can ask for access to and a copy of your personal data and can check we are lawfully processing it. |
| Correction | You can ask us to correct any incomplete or inaccurate personal data we hold about you. |
| Erasure | You can ask us to delete or remove your personal data where: there is no good reason for us continuing to process it; you have successfully exercised your right to object (see below); we may have processed your information unlawfully; or we are required to erase your personal data to comply with local law. We may not always be able to comply with your request for specific legal reasons, which will be notified to you at the time of your request. |
| Object | You can object to the processing of your personal data where: we are relying on our legitimate interest (or those of a third party) as the basis for processing your personal data, if you feel it impacts on your fundamental rights and freedoms; we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms and in such circumstances, we can continue to process your personal data for such purposes. |
| Restrict processing | You can ask us to suspend or restrict the processing of your personal data, if: you want us to establish the accuracy of your personal data; our use of your personal data is unlawful, but you do not want us to erase it; you need us to hold your personal data (where we no longer require it) as you need it to establish, exercise or defend legal claims; or you have objected to our use of your personal data, but we need to verify whether we have overriding legitimate grounds to use it. |
| Request a transfer | You can request a transfer of your personal data which is held in an automated manner and which you provided your consent for us to process such personal data or which we need to process to perform our contract with you, to you or a third party. We will provide your personal data in a structured, commonly used, machine-readable format. |
| Withdraw your consent | You can withdraw your consent at any time (where we are relying on consent to process your personal data). This does not affect the lawfulness of any processing carried out before you withdraw your consent. |
Part 4: Third Parties
| Service providers | Acting as processors who provide IT and system administration services. |
| Payment Gateway providers | Acting as controller who require information to collect and process payments on our behalf for Checkapayer Services you have ordered or to issue refunds. |
| Professional advisors | Acting as processors or controllers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services. |
| HM Revenue & Customs, regulators and other authorities | Acting as processors or controllers who require reporting of processing activities in certain circumstances. |
| Other third parties | Such third parties whom: – we are required to disclose your personal data pursuant to a court order, or other legal proceedings or alternative dispute resolution processes; – you have consented to us disclosing your personal data to, where a complaint has been raised about a Review you have posted; – we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this Privacy Notice. |
Part 5: Glossary
| Aggregated data | Information such as statistical or demographic data which may be derived from personal data but which cannot by itself identify a data subject. |
| Controller | A body that determines the purposes and means of processing personal data. |
| Data subject | An individual living person identified by personal data (which will generally be you). |
| ICO | Information Commissioner’s Office, the UK supervisory authority for data protection issues. |
| Personal data | Information identifying a data subject from that data alone or with other data we may hold but it does not include anonymised or aggregated data. |
| Processor | A body that is responsible for processing personal data on behalf of a controller. |
| Special categories of personal data | Information about race, ethnicity, political opinions, religious or philosophical beliefs, trade union membership, health, genetic, biometric data, sex life and sexual orientation. |