1. Who We Are
Credit Hire Direct Ltd ("Credit Hire Direct", "we", "us", "our") is a UK accident management company registered in England and Wales. Our registered office is at Veltron Ltd, 105a Chorley Old Road, Bolton BL1 3AS.
We are the data controller for personal data collected through this website and our services. You can contact us about data protection matters at: privacy@credithiredirect.co.uk
2. What Personal Data We Collect
When you use our website or contact us regarding a claim, we may collect the following personal data:
- Full name and contact details (phone number, email address, postal address)
- Vehicle registration number and details
- Accident details, including date, location, third-party information and photographs
- Insurance policy information
- Driver's licence information where required
- Financial information where necessary for claim recovery
- Device and usage data collected automatically when you visit our website (IP address, browser type, pages visited)
3. How We Use Your Personal Data
We use your personal data for the following purposes:
- Processing and managing your accident management claim
- Arranging replacement vehicles and vehicle recovery services
- Communicating with insurers, solicitors and third parties on your behalf
- Responding to your enquiries submitted through our website or by phone
- Complying with our legal obligations
- Improving our website and services through anonymised analytics
4. Legal Basis for Processing
We process your personal data under the following lawful bases as defined by UK GDPR:
- Contract: Where processing is necessary to perform the services you have requested
- Legitimate Interests: Where we have a legitimate business interest that does not override your rights
- Legal Obligation: Where we are required to process data to comply with a legal requirement
- Consent: Where you have given clear consent for a specific processing purpose
5. Data Sharing
We may share your personal data with:
- Insurance companies and their representatives where necessary to process your claim
- Legal representatives and solicitors assisting with your claim
- Vehicle recovery and storage companies within our operational network
- Vehicle hire companies providing replacement vehicles
- HMCTS (His Majesty's Courts and Tribunals Service) where legal proceedings are initiated
- IT and technology service providers who support our operations (under data processing agreements)
We do not sell your personal data to third parties for marketing purposes.
6. Data Retention
We retain personal data for as long as necessary to fulfil the purposes for which it was collected, including legal, accounting and reporting requirements. Claim data is typically retained for a period of 7 years following the conclusion of a claim, in line with standard limitation periods under UK law.
7. Your Rights
Under UK GDPR, you have the following rights regarding your personal data:
- Right of Access: Request a copy of the personal data we hold about you
- Right to Rectification: Request correction of inaccurate or incomplete data
- Right to Erasure: Request deletion of your data in certain circumstances
- Right to Restrict Processing: Request that we limit how we use your data
- Right to Data Portability: Request a portable copy of your data
- Right to Object: Object to processing based on legitimate interests
To exercise any of these rights, please contact us at privacy@credithiredirect.co.uk. We will respond within one calendar month.
8. Communication and Data Privacy
By submitting your contact information through any of our online forms, you provide explicit consent to be contacted by our office via phone or email for the sole purpose of discussing your inquiry and our services.
We strictly respect your privacy: we do not, under any circumstances, sell, rent, or share your personal data, phone number, or email address with any third-party marketing agencies or data brokers. The only calls or emails you will receive regarding your inquiry will be directly from our official representatives.
9. Cookies
We use cookies and similar technologies on this website. For full details of the cookies we set, what they do and how to control them, please see our Cookie Policy.
