Last updated: 22 September 2026
Murray Collins Credit Management takes your privacy seriously. This policy explains what personal information we collect, why we collect it, how we use it and the rights you have over your information.
This policy applies to information collected through our website and information we process while providing our credit management services.
Who we are
Murray Collins Credit Management provides credit management, credit control, payment recovery and business credit checking services to businesses across the UK.
For questions about this policy or how we use your personal information, contact:
Email: info@murraycollins.co.uk
Information we may collect
Depending on how you interact with us, we may collect and process information including:
- Your name and business contact details
- Email address and telephone number
- Company name and position
- Information submitted through our website or by email
- Invoice, account and payment information
- Information relating to outstanding debts or payment disputes
- Correspondence and records of communications
- Business credit information
- IP address and basic information about how you use our website
Where we provide credit control or payment recovery services for a client, we may also receive personal information from that client relating to their customers or debtors.
How we use your information
We may use personal information to:
- Respond to enquiries
- Provide our services
- Manage credit control on behalf of clients
- Contact customers regarding invoices and outstanding payments
- Recover overdue payments
- Carry out business credit checks and assess credit risk
- Maintain appropriate business and financial records
- Prevent fraud and protect our business and our clients
- Improve our website and services
- Communicate with businesses about our services where permitted by law
- Meet our legal and regulatory obligations
Our lawful basis for processing
Under UK data protection law, we must have a lawful reason for processing personal information.
Depending on the circumstances, we may rely on:
Contract: where processing is necessary to provide services you or our client have requested.
Legitimate interests: where processing is reasonably necessary for our business, our clients or another organisation, including managing credit, collecting outstanding payments, protecting legitimate financial interests and communicating with businesses about relevant services.
Legal obligation: where we need to process or retain information to comply with the law.
Consent: where consent is required for a particular use of your information.
Where we rely on legitimate interests, we consider those interests against the rights and privacy of the individuals concerned.
Credit control and payment recovery
When a business appoints Murray Collins to manage its credit control or recover outstanding payments, we may process information about that business’s customers.
This may include names, business contact details, invoices, amounts outstanding, payment history and correspondence relating to the account.
We use this information only where necessary to manage the account, communicate regarding payment and provide the services requested by our client.
Business credit checks
Where we provide business credit checks, information may be obtained from established commercial credit information providers and publicly available sources.
This information may be used to help our clients assess the creditworthiness and credit risk of businesses they are considering trading with or extending credit to.
Business-to-business marketing
We may contact businesses and business contacts about Murray Collins services where permitted by law.
Where personal information is used for B2B marketing, UK GDPR still applies. The rules also differ between corporate organisations and individuals such as sole traders under the Privacy and Electronic Communications Regulations (PECR).
You can ask us to stop sending marketing communications at any time by contacting info@murraycollins.co.uk.
Cookies and website analytics
Our website may use cookies and similar technologies necessary for the website to operate and, where applicable, to understand how visitors use the site.
Where consent is legally required for non-essential cookies, we will ask for it before those cookies are used.
You can also control cookies through your browser settings.
Who we share information with
We do not sell personal information.
We may share information where necessary with organisations that help us provide our services, such as:
- Our clients
- Credit information providers
- IT, hosting and software providers
- Professional advisers
- Payment and financial service providers
- Courts, regulators, law enforcement agencies or other authorities where legally required
Where another organisation processes personal information on our behalf, we take appropriate steps to protect that information.
How long we keep information
We keep personal information only for as long as reasonably necessary for the purpose for which it was collected, including providing our services and meeting legal, accounting and regulatory requirements.
Retention periods may therefore differ depending on the type of information and why we hold it.
Keeping your information secure
We take reasonable technical and organisational measures to protect personal information against loss, misuse, unauthorised access, alteration or disclosure.
However, no internet or electronic storage system can be guaranteed to be completely secure.
International transfers
Some technology and service providers may process information outside the UK.
Where personal information is transferred internationally, we will take appropriate measures required by UK data protection law to protect that information.
Your rights
Depending on the circumstances, UK data protection law gives you rights including the right to:
- Ask what personal information we hold about you
- Request a copy of your information
- Ask us to correct inaccurate information
- Ask us to delete information in certain circumstances
- Restrict how your information is used in certain circumstances
- Object to certain processing, including direct marketing
- Request transfer of certain information
- Withdraw consent where we rely on consent
To exercise your rights, contact info@murraycollins.co.uk.
Complaints
If you have concerns about how we use your personal information, please contact us first at info@murraycollins.co.uk.
You also have the right to complain to the Information Commissioner’s Office (ICO), the UK’s data protection regulator.
Information Commissioner’s Office
Changes to this policy
We may update this Privacy Policy from time to time to reflect changes to our business, services or legal requirements.
The latest version will always be published on this page.