Clients Refusing to Pay Your Invoices?

Créditer will buy your Unpaid invoices Late invoice Difficult invoices Disputed invoices

Welcome to Créditer

How We Help You

If you have been left partially or completely unpaid for a job, then this is Crediter is perfect for you. We buy unpaid invoices from our customer at a price after checking the risk and viability, before following up on the debtor in court. This essentially ensures you always receive a certain amount of payment for your work, even when your debtor is unwilling to cooperate. Once we have assessed both the financial standing of the debtor, and the legitimacy of the contract that you and the debtor have entered into, we can then purchase the invoice from you and pursue the debtor in court through litigation

Our services

Quality Services, Competitive payment to you, Vast Experience

Debt sale

A debt sale essentially refers to when a lender sells the debt it is owed from an invoice. We are happy to purchase invoices which are not being paid back from customers, which will allow these customers to receive a certain percentage of the money they are owed, rather than simply writing the entire invoice off as a loss. In addition, we also offer upfront cash payments when we purchase a debt from a lender, meaning you can receive partial payment for your debt immediately from us.

Debt recovery

After purchasing a debt from one of our customers, we then pursue the debtor and try to find a solution in which they can pay this debt back over a certain period of time. We will only feel that we need to involve legal systems such as the courts if the debtor is not cooperating with us and is not willing to accept any of the payment solutions we offer. However, once it is clear that this is necessary, we will bring the case to the attention of the court.

Litigation Finance

The finance required for the litigation of a debt repayment case is completely covered by us, and therefore the only payment we receive is from customers. Our high levels of both experience and quality allow us to offer the best debt purchasing service available to customers, and we wish to continually grow and improve this service for years to come. Due to our high levels of skill and expertise in this area, we have an incredibly high success rate in our court cases with the of internal & external counsel.

Introductory mesSage

What our UK Sales manager has to say

You work hard for your money and you should be paid for your work, it is an unfortunate truth that sometimes clients do not pay you and the legal system is too expensive, complicated and slow.

We will buy your unpaid invoice and pursue the debtors through the courts with our expert litigants, but you do not have to worry about this as you get paid within 7 days of sending us your documents and wether we win in or lose in court at the later date you will have nothing to worry about as  the funds that we have paid you are yours!

Give us a call today to discuss how we can ease your cashflow and get you paid for invoices that you may have given up on (we can buy invoices that up to 6 years old)

Ryan Young

UK Sales Manager

Why not debt collectors?

Essentially, we feel our service is much more straightforward and hassle free, while also being cheaper than enlisting the services of a debt collector. This required payment for the court and litigation before paying the debt collectors fixed fees and additional fees after they are successful. Additionally, this process can last for up to a year before the customer receives any payment before which the debtor can continue to evade their debt in many ways including by shutting down their company. Alternatively, with our service the customer receives payment within 48 hours, and from then on they do not have to worry about the debtor, as they have already been paid and we will be the ones taking the risk.

Why Choose Us

Quality Services, Competitive payment to you, Vast Experience

Our vision is essentially to allow any business with a difficult debtor situation to find an easy and straightforward solution, without having to risk losing any of the money that they rightfully deserve to receive. We feel that through cooperation, creativity, and innovation, there is no debt problem we are unable to solve.

We wish to not only solve customers’ debt problems, but also to form strong relationships between ourselves and our customers, as well as between our customers and their debtors, and essentially create an industry of strong businesses that can work together to build value in the modern world.

We offer a debt purchase service in which we buy unpaid invoices from our customers before following up on the debtor and attempting to find a solution in which the debtor can repay the debt over a certain period of time. If this is unsuccessful, then we will bring the legal system into play and attempt to convince the debtor to make the debt payment using the court system. This essentially ensures that our customers can always receive fair payment for their work, even when the debtor is unwilling to cooperate.
Barristers and solicitors often charge highly expensive fees for a service that may not even give you exactly what you need. For example, some solicitors can charge up to £300 for a one-hour consultation. While this may give you access to a high-quality solicitor, there is only so much they can do in a one-hour window. Alternatively, we will never charge you expensive fees, as all of our legal fees are covered by our business, while you will also receive a solution to your debt issues immediately from us. This is because we are happy to purchase your outstanding debt from you immediately and even pay you a percentage of the value of the debt as an upfront payment. Hence, not only will you be free from expensive fees, but you will actually receive payment from us.
One of the most beneficial aspects of our service is our upfront payment feature. This allows our customers to receive a certain percentage of the value of their outstanding debt as an upfront payment from us. Not only does this allow you to receive a cash payment from us immediately, but it also allows you to receive some of the debt that you may have previously written off.

There are many values that are hugely important to us and this can be seen in everything we do as a business. Some of these values include transparency and trust, as we feel our customers need to believe in us and our ability in order to feel truly comfortable working with us. We also have a high emphasis on the values of sustainability and efficiency, as we want to give our customers the best possible services in the quickest and most straightforward way we can.

Once you have agreed to sell us your debt, we will then work with you to generate a payment plan which is suitable for us both. After we pay the initial upfront cash payment, we will then plan to pay you the remaining amount in regular intervals over a certain period of time. This essentially allows you to receive the debt you may have previously written off, while you do not have to bear any of the risk previously involved.

Lawyers will often simply tell you the exact legal entitlements you have and leave you with that, however our teams are made up of economists, businesspeople, customer service employees, and many others, as well as our trusted solicitors. This allows us to look at your debts from a different perspective and find solutions that a team purely made up of lawyers may never have considered. We offer your debtor various solutions and different ways in which they can repay their debt, while if this is unsuccessful, we also have the legal knowledge and expertise to bring the case to the courts.

Essentially, we feel our service is much more straightforward and hassle free, while also being cheaper than enlisting the services of a debt collector. This required payment for the court and litigation before paying the debt collectors fixed fees and additional fees after they are successful. Additionally, this process can last for up to a year before the customer receives any payment before which the debtor can continue to evade their debt in many ways including by shutting down their company. Alternatively, with our service the customer receives payment within 48 hours, and from then on they do not have to worry about the debtor, as they have already been paid and we will be the ones taking the risk.

Our approach is as straightforward as possible in order to ensure there is never any confusion between ourselves and our customers. Once we have purchased your debt from you, we will then begin to plan the way in which we will attempt to obtain the money owed by your debtor. While we will be the ones doing the work, we will always provide you with regular updates and information on the ways in which we are approaching your debtor, as well as any progress we make in receiving the money owed. In addition, if you have any specific requirements for us in any part of our interactions with your debtor, we will always be extremely accommodating and fulfill these requirements as best we can.

Another highly attractive feature of our service is the speed and efficiency with which we operate. We understand that debt issues are something that all businesses want to resolve as quickly and easily as possible, and therefore we will never waste anyones time with anything that is in any way unnecessary or overcomplicated. Once we receive the necessary paperwork from you, we will always begin proceedings within 48 hours.

Our team of professionals is also equipped with a high level of experience which it has generated over years of working in the business debt industry. Not only does this make us a highly reputable option for any business looking to sell their debts, but it also ensures that we have the capabilities to deal with any debt repayment issues that may arise.

Quality is something that is hugely important in everything we do in our business. Hence, we ensure that every customer we deal with is given the best possible treatment and receives only the highest quality service, including any specific requirements they may have.

SOME FEEDBACK

What Our Clients Are Saying

What makes us great

About Créditer

We are a highly efficient and effective debt purchase business with a strong emphasis on customer care and service. Not only do we offer to buy any debts you may wish to sell, but we will also give you a percentage of the value of these debts as an upfront payment. This essentially allows you to receive a cash payment immediately after selling your debt to us.

When faced with a debt or debtor that is giving you difficulties, your first instinct may be to involve a team of lawyers, however this is not always the best move. While lawyers will tell you the exact legal entitlements you have, our teams are made up of economists, businesspeople, customer service employees, and many others, as well as our trusted solicitors. This essentially allows us to look at your debts from a much wider perspective and generate a solution that is achievable and beneficial for all parties involved. We can come up with various methods of resolving the issues your debtor may have, while we also have the necessary legal expertise on our side if it is required. This combination of skills, qualities and attributes allows our teams to always give customers exactly what they are looking for. Some of our most attractive features include:

We purchase from you the unpaid invoices that you have given up on and for which you no longer expect to receive anything. We then fund our own pursuit of the debtor through the court system. This essentially means you receive the full payment you are entitled to from the debt, and we take on all the risk of the debtor failing to make the full payment. Regardless of how successful we are in obtaining the debt payment from your debtor, you will still receive the agreed payment money from us, meaning you will never have to write off the entire amount of the original debt as a loss.
Most law firms nowadays will charge large amounts for their time and work, with some solicitors charging up to £300 for just one hour’s work. We do not feel you should have to pay this much money just to attempt to receive payment of a debt that you have the right to receive anyway. Hence, we take on the legal cost of pursuing your debtor, and therefore you will never be subjected to any fees or charges after you receive the fair payment for your debt.
In our legal pursuit of your debt, we always want to remain as respectful and professional as possible towards your debtor while always ensuring the protection of their brand is prioritized, and therefore we will ensure you are happy with our plan of action before we begin any legal processes. If your debtor is uncooperative and refuses to pay the amount owed in the extrajudicial phase of the court system, then we will always stop to consider how likely they are to agree to make the payment in the judicial phase before we proceed. Our respectful but firm attitude and approach towards your debtor will continue throughout the court system process.

How great would it be if your customers late invoices were paid within 7 days?

Request a Call back

We cover a wide range of industries

We’ve helped hundreds of trades recover overdue invoices

Builders

Electricians

Plumbers

Bricklayers

Plasterers

Our simple debt purchasing process helps your get paid quicker!

Discuss your unpaid invoice with the team

Send case documentation

Due diligence checks actioned within 1 hour

You receive a payment offer with 7 days

ABOUT US

Efficient. Experienced. Effective. Debt Litigation is our specialty!

If you have been left partially or completely unpaid for a job, then Créditer is the perfect company for you. We buy unpaid invoices from our customer at a price after checking the risk and viability, before following up on the debtor in court. This essentially ensures you always receive a certain amount of payment for your work, even when your debtor is unwilling to cooperate.

We are a highly efficient and effective debt purchase business with a strong emphasis on customer care and service. Not only do we offer to buy any debts you may wish to sell, but we will also give you a percentage of the value of these debts as an upfront payment. This essentially allows you to receive a cash payment immediately after selling your debt to us.

We pay upfront, One of the most beneficial aspects of our service is our upfront payment feature. This allows our customers to receive a certain percentage of the value of their outstanding debt as an upfront payment from us. Not only does this allow you to receive a cash payment from us immediately, but it also allows you to receive some of the debt that you may have previously written off.

We are more than just lawyers, Lawyers will often simply tell you the exact legal entitlements you have and leave you with that, however our teams are made up of economists, businesspeople, customer service employees, and many others, as well as our trusted solicitors. This allows us to look at your debts from a different perspective and find solutions that a team purely made up of lawyers may never have considered. We offer your debtor various solutions and different ways in which they can repay their debt, while if this is unsuccessful, we also have the legal knowledge and expertise to bring the case to the courts.

Quality is something that is hugely important in everything we do in our business. Hence, we ensure that every customer we deal with is given the best possible treatment and receives only the highest quality service, including any specific requirements they may have.

Transfer your claim for No Win No Fee Collection

If you have been left partially or completely unpaid for a job, then Créditer is the perfect company for you. We buy unpaid invoices from our customer at a price after checking the risk and viability, before following up on the debtor in court. This essentially ensures you always receive a certain amount of payment for your work, even when your debtor is unwilling to cooperate.

Send Us Your Claim

Submit your case before 4 pm and we will act today!
Drag and drop your Invoices / List of outstanding charges / Correspondence into the field below:

FAQs

This is a relatively new service that is not yet offered by many companies, however we feel it is important that small and medium-sized businesses have an effective way of dealing with bad debtors. While they will not receive the full value of the invoice, we will purchase the invoice a percentage of this, meaning the customer will not have to simply write off the entire invoice as a loss.
Invoice finance is generally only provided on new invoices, however our service provides cash payments for invoices that have been overdue for long periods of time and are no longer expected to be paid by the debtor.
Many businesses are unwilling to enter the field of customer debt, however our team of experts has generated an efficient and effective debt purchase method that is beneficial for both our customers and our business.
This service is generally targeted towards tradespeople such as builders, electricians, and plumbers, however we also work with business-to-business invoices in various product and service sectors.
We are willing to purchase invoices of up to six years old, once the correct contracts or documentation of agreement can be provided.
We will only ever be unable to provide cash for an invoice if the debtor is insolvent, deceased, has a valid quality complaint, or if the invoice is more than six years old.
We offer businesses a certain percentage of the value of the invoice as an upfront payment, which will generally depend on the credit rating of the debtor and the age of the invoice.
No, you will never be required to repay additional cash even if we are unable to recover the full payment from your debtors.
This will not be a problem as long as these invoices are all worth a minimum of £1,000 each.
This will not be a problem as long as these invoices are all worth a minimum of £1,000 each.
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Privacy Statement

Vertafore, Inc. and Flexquote Insurance Agency (“we”) respect your privacy and are committed to protecting it through our compliance with this statement. This Privacy Statement (“Statement”) describes the types of Personal Information, as defined below, we may collect from you or that you may provide when you use Vertafore products and services, whether through a computer or on a mobile application (the “Vertafore Solution(s) “). This Statement is intended to be read by and pertains to processing of Personal Information provided by Vertafore’s customers and users of the Vertafore Solution(s) acting on behalf of their clients (“you” or “your”). 

This Statement is also a notice to California residents, to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice. Under such regulation, Vertafore is at all times acting in its capacity as a Service Provider – processing information on behalf of its customers in a business to business setting. 

Please read this Statement carefully to understand our policies and practices regarding your Personal Information and how we will treat it. When you use the Vertafore Solution(s), you consent to our collection, use and disclosure of information about individuals as described below.

If you are providing Personal Information about third parties (i.e. your clients, producers, end-insured’s, etc.), within the Vertafore Solution(s), it is your responsibility to ensure that such individuals are 1) on notice of this sharing of Personal Information with Vertafore, 2) the location of and details contained in this Statement, and 3) that such individuals have consented or otherwise authorized you to provide such Personal Information to Vertafore for processing through the use of the Vertafore Solution(s).

If you do not agree with our policies and practices, your choice is not to use the Vertafore Solution(s). This Statement may change from time to time. Your continued use of the Vertafore Solution(s) after we make changes is deemed to be acceptance of those changes, so please check the Statement periodically for updates.
COLLECTION

This statement applies to Personal Information we collect:

In the Vertafore Solution(s) whether on a computer or a mobile application;
In email, text, and other electronic messages between you and Vertafore related to the Vertafore Solution(s); and
Through desktop or mobile applications you download from the Vertafore Solution(s), which provide dedicated non-browser-based interaction between you and the Vertafore Solution(s);

and

where such collected information identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or device. (collectively “Personal Information”).

Personal Information has different meanings depending upon which regulation is applicable to it. Vertafore has taken a comprehensive approach and individuals can also rely on the applicable regulatory definition of personal information when interpreting this Statement.

Personal Information does not include:

Publicly available information from government records;
Information received from the business relationship which has been de-identified or aggregated;
De-identified information is information that on its own, or together with a subset of data, cannot reasonably identify, relate to, describe, be capable of being associated with, or be linked, directly or indirectly, to a particular person. 
Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and any comparable state regulation (as applicable); or
Personal information covered by the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), the Driver’s Privacy Protection Acts of 1994, or any comparable state regulations (as applicable)). 

In particular, Vertafore has collected and processed the following categories of Personal Information from its customers’ use of the Vertafore Solution(s) through the methods described above within the last twelve (12) months. 

Category

Examples (not intended to be exhaustive)

Identifiers, including Personal Information listed in customer records statutes.

A real name; alias; signature; postal address; email address; telephone number; unique personal identifier; online identifier; Internet Protocol address; device identifiers; account name; Social Security number; driver’s license or other state identification number; passport number; insurance policy number; insurance claim number; financial information, including bank account, credit card numbers, bank routing details; employment, including current and historical; association membership; other device identifiers including the operating system, browser type, network information; or other similar identifiers.

Protected classification characteristics.

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, or veteran or military status.

Commercial information.

Records of personal property; products or services purchased, obtained, or considered, including data related to insurance policies; or other purchasing or consuming histories or tendencies.

Usage.

Information on the user’s interaction with the Vertafore Solution(s).

Biometric Data.

Items related appearance including, but not limited to, height, weight, eye color, hair color; NOT including any genetic data or data that could alone be considered Personal Information when not combined with other information (i.e. fingerprint or genetic data). 

Geolocation data.

Physical location of users, generally and specifically.

Inferences drawn from other Personal Information.

Profile reflecting an individual’s preferences, characteristics, predispositions, or purchasing behavior. 

 

Vertafore obtains the categories of Personal Information listed above from the following categories of sources:

Directly from you – Personal Information that you input into the Vertafore Solution(s). For example, from i) forms you complete; ii) products and services your clients purchase; or iii) products and services your employees or independent contractors sell.
Indirectly from you. For example, from observing User actions in the Vertafore Solution(s).
Records and copies of your correspondence (including email addresses), if you or users contact us in relation to the Vertafore Solution(s).
Your responses to surveys that we might ask you to complete for research or marketing purposes.
Details of transactions you carry out through the Vertafore Solution(s) and of the fulfillment of your orders.

This Statement does not apply to Personal Information collected by:

Us offline or through any other means, including on any other website that is not a Vertafore Solution operated by Vertafore or any third party;
Communication or correspondence with Vertafore not related to your use of the Vertafore Solution(s);
Any third party collecting information about your device or smartphone usage and activity; or
Any third party, including through any application or content (including advertising) that may link to or be accessible from or in the Vertafore Solution(s).

Personal Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with the Vertafore Solution(s), we may use automatic data collection technologies to collect certain information about your equipment (including your computer or smartphone), browsing actions, and patterns, including:

Details of your visits to the Vertafore Solution(s), including traffic data, location data, logs, and other communication data and the resources that you access and use in the Vertafore Solution(s).
Information about your computer, smartphone and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include Personal Information or we may maintain it or associate it with Personal Information we collect in other ways or receive from third parties. It helps us to improve the Vertafore Solution(s) and to deliver a better and more personalized service.

The technologies we use for this automatic data collection may include:

Cookies (or application cookies). A cookie is a small file placed on the hard drive of your computer or smartphone. You may refuse to accept browser or mobile cookies by activating the appropriate setting on your browser or smartphone. However, if you select this setting you may be unable to access certain parts of the Vertafore Solution(s). Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to the Vertafore Solution(s).
Web Beacons. Pages of the Vertafore Solution(s) and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Vertafore, for example, to count users who have visited those pages or opened an email and for other related statistics (for example, recording the popularity of certain app content and verifying system and server integrity).

USE OF YOUR PERSONAL INFORMATION

How We Use Your Personal Information

We use the Personal Information to provide the Vertafore Solution functionality, fulfill your requests, improve the quality of the Vertafore Solution(s), engage in research and analysis relating to the Vertafore Solution(s), personalize your experience, track usage of the Vertafore Solution(s), market the Vertafore Solution(s), provide customer support, message you, back up our systems, allow for disaster recovery, enhance the security of the Vertafore Solution(s), and comply with legal obligations. Even when we do not retain such Personal Information, it still must be transmitted to our servers initially and stored long enough to process.

We also use Personal Information that we collect about you or that you provide to us, including any Personal Information used to fulfill our contractual obligations to you:

To present the Vertafore Solution(s) and the contents to you.
To provide you with information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To provide you with notices about your account, including expiration and renewal notices.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

To notify you about changes to the Vertafore Solution(s) or any other products or services we offer or provide though it.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

We may use or disclose the Personal Information we collect for one or more of the following business purposes:

To fulfill or meet the reason you provided the Personal Information, including integrated third-party products. For example, if you share your name and contact information to request a price quote or submit a query about other transactions, we will use that Personal Information to respond to your inquiry (automated or otherwise within the Vertafore Solution(s)). If you provide your Personal Information to purchase a product or service, we will use that Personal Information to process your payment and facilitate delivery. We may also save your Personal Information to facilitate orders of additional users or Vertafore Solution(s) or process decomissions.
To provide, support, personalize, develop, and enhance the Vertafore Solution(s) and the customer experience.
To create, maintain, customize, and secure your account with us.
To process your requests, purchases, transactions, and payments and prevent transactional fraud.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
To help maintain the safety, security, and integrity of the Vertafore Solution(s), products and services, databases and other technology assets, and business.
For testing, research, analysis, and product development, including to develop and improve existing Vertafore Solution(s) or create new Vertafore Solution(s).
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

Vertafore will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sales of Personal Information

In the preceding twelve (12) months, Vertafore has not sold Personal Information it has processed in the Vertafore Solution(s) to any third party. However, where contractually allowed (by you and any applicable third party), Vertafore has de-identified and aggregated certain information it has received directly from its customers for both internal and commercial use (see below at number (6)). 

Sharing Personal Information

 Vertafore may disclose your Personal Information to a third party for a business purpose or when they integrate with the Vertafore Solution(s) through the API. When we disclose Personal Information for a business purpose, such third party has entered a contract with either you or Vertafore that describes the purpose and requires the recipient to both keep that Personal Information confidential and not use it for any purpose except performing the contract.

If Vertafore is the contracting party, we require these third parties to keep Personal Information confidential and use it only for the purposes for which we disclose it to them.

If you are the contracting party, it is your responsibility to understand the purpose for the transfer and ensure that the third party is managing the Personal Information it receives according to your direction. 

In the previous twelve (12) months, Vertafore may have disclosed each of the above categories of Personal Information for a business purpose.

We may also disclose your Personal Information:

To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce or apply any agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Vertafore, its customers, or others. This includes exchanging Personal Information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Personal Information

We strive to provide you with choices regarding the Personal Information you provide to us. We have created mechanisms to provide you with the following control over your Personal Information:

Tracking Technologies. You can set your browser or smartphone to refuse all or some browser or application cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of the Vertafore Solution(s) may then be inaccessible or not function properly.
Promotional Offers from Vertafore. If you do not wish to have your email address/contact information used by Vertafore to promote our own or third parties’ products or services, you can opt-out by unsubscribing within the email sent to you or by sending us an email stating your request to opt-out of marketing communications to marketing@vertafore.com. If we have sent you a promotional email, please use the above 2 methods and do not send us a return email asking to be omitted from future email distributions as the sending email address might not be able to accept incoming email. This opt out does not apply to Personal Information provided to Vertafore as a result of a product purchase, warranty registration, product service experience or other transactions.

De-Identified, Aggregated Information

Where contractually allowed (by you and any applicable third party), Vertafore may de-identify and aggregate certain Personal Information inputted by you into the Vertafore Solutions for both internal and commercial purposes (information passed through the Vertafore Solutions to or from third-party integrations which is not converted into field within the Vertafore Solutions (e.g. for email purposes) is not de-identified or aggregated). Such internal purposes include the improvement or enhancement of existing Vertafore Solution(s) or the creation of entirely new Vertafore Solutions. Commercial purposes include the aggregation and sale of de-identified information, including for, but not limited to, research or benchmarking purposes. Where such de-identified and aggregated information is used commercially, Vertafore has implemented technical safeguards and business processes that prohibit re-identification, both internally at Vertafore and for the purchaser after the license or sale is executed. 
Personal Information Rights and Choices

Certain regulations (including the CCPA) provide individuals with specific rights regarding their Personal Information. Vertafore is at all times a Service Provider (as defined in CCPA) or Processor (as defined in the European General Data Protection Regulation) of the Personal Information contained in the Vertafore Solution(s). As such, Vertafore will not substantively respond to any individual exercising such a right. If we receive a query regarding the below rights from an individual about which you inputted Personal Information in the Vertafore Solution(s), we will direct that individual back to you as the Vertafore customer who controls the Personal Information. 

This section describes your rights and explains how to exercise those rights.

If you receive a query regarding the below rights from an individual about which you inputted Personal Information in the Vertafore Solution(s), you should be able to respond to that request without additional assistance from Vertafore. Please limit requests for Vertafore assistance to those that relate to specific third parties with which we have shared the Personal Information or with regards to archive and back-up information, if so affected by the request. 

Access to Specific Personal Information and Data Portability Rights

You may access, update, correct or extract any and all Personal Information directly within the Vertafore Solution(s) without the assistance of Vertafore. 

For both Personal Information relating to users and the third parties about which you inputted Personal Information, you have the right to request that Vertafore disclose certain Personal Information to you about our collection and use of the Personal Information over the past twelve (12) months. Once we receive and confirm your verifiable individual request we will disclose to you:

The categories of Personal Information we collected about you or an individual about which you inputted Personal Information in the Vertafore Solution(s).
The sources for the Personal Information we collected about you or an individual about which you inputted Personal Information in the Vertafore Solution(s).
Our business or commercial purpose for collecting that Personal Information.
The categories of third parties with whom we share that Personal Information.
The specific pieces of Personal Information we collected about you or an individual about which you inputted Personal Information in the Vertafore Solution(s) (also called a data portability request).

The information contained in this Statement should assist you in responding to any such individual request as it relates to information stored or processed in the Vertafore Solution(s).

Deletion Request Rights

You may delete any and all Personal Information you have inputted into the Vertafore Solution(s) without the assistance of Vertafore. 

You have the right to request that Vertafore delete any Personal Information about you or that you have inputted into the Vertafore Solution(s) that was collected and retained, subject to certain exceptions including regulatory data retention requirements. Once we receive and confirm your verifiable individual request, we will delete (and direct our service providers to delete) the Personal Information from our records, unless an exception applies.

We may deny your deletion request if retaining the Personal Information is necessary for us or our third-party service provider(s) to:

Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation, including, but not limited to, compliance with applicable state and federal regulations that govern retention of Personal Information.
Make other internal and lawful uses of that Personal Information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable request to us through the Vertafore Solution(s), directly to Customer Support, or through your MyVertafore account. 

Only you may make a verifiable request related to Personal Information that we collected from you or your users through the Vertafore Solution(s). You may make a verifiable request as the individual that the Personal Information is about (the user) or on behalf of an individual whose Personal Information you have provided to us through the use of the Vertafore Solution(s), in such a case you must provide the verification of that individual and it will be limited to your instance of the Vertafore Solution(s).

You may only make a verifiable request for access or data portability twice within a 12-month period per individual. The verifiable request must:

Provide sufficient information that allows us to reasonably verify you are either i) the person about whom we collected Personal Information or ii) an authorized representative which inputted the Personal Information into the Vertafore Solution(s).
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you or an individual about which you inputted Personal Information in the Vertafore Solution(s).

We consider requests made through your password protected account sufficiently verified when the request relates to Personal Information associated with that specific account.

We will only use Personal Information provided in a verifiable request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable request within forty-five (45) days of its receipt. If we require more time (up to ninety (90) days in total), we will inform you of the reason and extension period in writing.

We will deliver our written response to the email address identified on your account with us.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the Personal Information from one entity to another entity without hindrance.

We will charge a fee for professional services to respond to a request that could have been handled without direct Vertafore involvement (meaning by a user of the Vertafore Solutions(s)). If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request. Such work will be performed at Vertafore’s then-current rates for professional services. 

Non-Discrimination

We will not discriminate against you for exercising any Personal Information rights. Unless permitted by applicable regulations, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Data Security

We have implemented measures designed to secure Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure.

The safety and security of your Personal Information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of the Vertafore Solution(s), you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of Personal Information transmitted to, through, or by the Vertafore Solution(s). Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained in the Vertafore Solution(s).
Children Under the Age of 16

The Vertafore Solution(s) is/are not intended for use by children under sixteen (16) years of age. No user under age sixteen (16) may provide any Personal Information to or in the Vertafore Solution(s). If you are under sixteen (16), do not use or provide any Personal Information on the Vertafore Solution or through any of its features, register on the Vertafore Solution, or provide any Personal Information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will delete that Personal Information. If you believe we might have any Personal Information obtained from a child user under sixteen (16), please contact us through MyVertafore or otherwise through the Vertafore Solution(s).

We understand that you might provide Personal Information in the Vertafore Solution(s) relating to children under sixteen (16), in such a case, those children are afforded all of the rights as outlined herein and verifiable requests to the Personal Information must be made by a person with the legal authority to act on their behalf.
Changes to Our Privacy Statement

Vertafore reserves the right to amend this Statement at our discretion and at any time. When we make changes to this Statement, we will post the updated notice in the Vertafore Solution and update the notice’s effective date. Your continued use of the Vertafore Solution(s) following the posting of changes constitutes your acceptance of such changes.

Last Updated and Effective: January 13, 2020

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