Privacy Policy

1. Introduction

Spectrum Credit ("we," "us," or "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website spectrum-credit.com or engage with our marketing consulting services.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Contact Information: Name, email address, phone number, postal address
• Business Information: Company name, job title, industry, business requirements
• Communication Records: Records of correspondence, meeting notes, project discussions
• Marketing Preferences: Newsletter subscriptions, communication preferences

2.2 Technical Information

We automatically collect certain technical information:

• Website Usage Data: Pages visited, time spent, click patterns, referral sources
• Device Information: IP address, browser type, operating system, device identifiers
• Cookies and Tracking: As described in our Cookie Policy

3. How We Use Your Information

3.1 Service Delivery

• Provide marketing consulting services
• Communicate about projects and deliverables
• Process payments and manage accounts
• Provide customer support

3.2 Business Operations

• Improve our services and website functionality
• Conduct market research and analytics
• Comply with legal and regulatory requirements
• Protect against fraud and security threats

3.3 Marketing and Communications

• Send newsletters and marketing materials (with consent)
• Provide industry insights and thought leadership content
• Invite to events, webinars, and educational content
• Personalize marketing communications based on interests

4. Legal Basis for Processing (UK GDPR)

We process your personal data based on the following legal grounds:

• Contractual Necessity: To perform our consulting services
• Legitimate Interest: To improve services, conduct analytics, and business development
• Consent: For marketing communications and non-essential cookies
• Legal Obligation: To comply with applicable laws and regulations

5. Information Sharing and Disclosure

5.1 Service Providers

We may share your information with trusted third parties who assist in our operations:

• IT and hosting service providers
• Payment processors
• Email marketing platforms
• Analytics and marketing tools
• Professional service providers (legal, accounting)

5.2 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to appropriate confidentiality protections.

5.3 Legal Requirements

We may disclose your information if required by law, regulation, legal process, or to protect our rights, property, or safety.

6. International Data Transfers

Your personal data may be transferred to and processed in countries outside the UK. When we transfer data internationally, we ensure appropriate safeguards are in place, including:

• European Commission adequacy decisions
• Standard Contractual Clauses (SCCs)
• Vendor certification schemes

7. Data Retention

We retain your personal data only as long as necessary for the purposes outlined in this policy:

• Client Data: For the duration of our business relationship plus 7 years for financial records
• Marketing Data: Until you unsubscribe or withdraw consent
• Website Analytics: Typically 26 months from collection
• Legal Requirements: As required by applicable laws

8. Your Rights Under UK GDPR

You have the following rights regarding your personal data:

8.1 Access and Portability

• Right of Access: Request a copy of your personal data
• Data Portability: Receive your data in a structured, machine-readable format

8.2 Correction and Deletion

• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your personal data (subject to legal obligations)

8.3 Processing Controls

• Restriction: Limit how we process your data
• Objection: Object to processing based on legitimate interests
• Withdrawal of Consent: Withdraw consent for marketing or cookies at any time

9. Security Measures

We implement appropriate technical and organizational measures to protect your personal data:

• Encryption of data in transit and at rest
• Access controls and authentication systems
• Regular security assessments and updates
• Staff training on data protection practices
• Incident response and breach notification procedures

10. Cookies and Tracking Technologies

Our website uses cookies and similar technologies. For detailed information about our cookie practices, please see our Cookie Policy.

11. Children's Privacy

Our services are not directed to individuals under 16 years of age. We do not knowingly collect personal information from children under 16. If we become aware of such collection, we will take steps to delete the information promptly.

12. Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify you of material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending email notifications for significant changes (where we have your consent)

13. Contact Information

14. Supervisory Authority

You have the right to lodge a complaint with the UK's data protection authority:

15. Definitions

• "Personal Data": Information relating to an identified or identifiable natural person
• "Processing": Any operation performed on personal data, including collection, use, storage, and deletion
• "Controller": The entity that determines the purposes and means of processing personal data
• "Processor": An entity that processes personal data on behalf of the controller

This Privacy Policy forms part of our overall commitment to data protection and should be read in conjunction with our Terms of Service and Cookie Policy.