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Web User Notice

Who are we?

This website, www.fredpay.com, is operated by Fredrickson International Limited.

CompanyFredrickson International Limited
Company numberCompany number 02679522
CountryIncorporated in the UK
Registered officeEllington House, 9 Savannah Way, Leeds Valley Park, Leeds LS10 1AB

Where we use “we”, “our” or “us” in this privacy notice, we mean Fredrickson International Limited unless we say otherwise. Where we use “our site” in this privacy notice, we mean www.fredpay.com.

We are part of the Lowell group of companies. For details of the UK companies in the Lowell group, please see the section Who are the Lowell group? below

We are a collections agency which means that we manage customer accounts on behalf of our clients to recover the amounts that you owe to our clients.

We use our site:

  • to provide you with information about being our customer and what it means for you and
  • so that you can set up an online account to manage your account with us and make payments online.

What information do we collect about you?

Each time you visit our site, we may automatically collect information about you and the device you are using, including:

  • information about which pages you visit and which resources you use on our site
  • information about how you got to our site
  • your internet protocol address known as your IP address which is used to connect your device to the internet
  • your device’s operating system and platform
  • the type and version of the browser you are using
  • browser plug-in types and versions which extend the functionality of your browser, for example Pinterest, Evernote and Adblock
  • MAC addresses which are used as network addresses for Wi-Fi and Ethernet
  • traffic data, which is aggregated information about the number of visitors, sessions, users and page visits to our site
  • location data
  • time zone setting
  • weblogs

We also collect any information you provide to us directly by filling in any of the forms on our site.

If you set up an online account with us, we will also collect:

  • your name
  • your login information
  • your reference number
  • your date of birth
  • your postcode
  • your landline telephone number
  • your mobile telephone number
  • your email address

Please note that as a user of our website and online account functionality, you are responsible for keeping your login information including your password confidential. If you believe that your login information or password has been compromised or that someone else has accessed your account, please notify us immediately by contacting us at info@freds.com.

We may also combine the information we receive from other sources with the information that you give us and the information we collect about you.

Please see our Cookies notice for details of the cookies we use on our site.

Where do we get your information from?

We collect the information you provide to us directly by filling in any of the forms on our site.

We also collect information directly from your device. We use cookies to collect some of this information. Please see our Cookies notice for details of the information we collect through our site.

Why do we need your information?

We need the information we collect automatically about your visit to our site to:

  • administer our site
  • improve our site to ensure that content is presented in the most effective manner
  • allow you to participate in interactive features of our services when you choose to do so
  • analyse how visitors use our site (including behaviour patterns and the tracking of visits across multiple devices)
  • improve your experience of our site.

We need the information you provide directly by filling in any of the forms to:

  • allow you to manage your account online
  • allow you to make payments online.

We process your information as instructed by our clients.

You do not have to give us any information or confirm that the information we have obtained from other sources is correct.

If you don’t provide us with relevant information, we will not be able to provide you with an online account and we may not be able to manage your account in the way that is best for you or agree a payment plan which is tailored to your needs. The more we understand about your personal circumstances, the better equipped we are to offer suitable and affordable repayment plans and to provide you with any additional support you may need.

Who do we share your information with?

We sometimes need to share some of your information with other organisations.

We use SagePay to securely process payments to your account. We will share the details about your payment, including your bank account information or credit or debit card details, the amount and frequency of your payment and your reference number with SagePay so that SagePay can collect your payment and we can apply it to the correct account.

We use Google Analytics to collect details of how you use our site, as well as anonymous data that you enter into our forms. We do this to help us analyse how visitors use our site (including behaviour patterns and the tracking of visits across multiple devices). Google Analytics doesn’t collect information that identifies a visitor to our site. All the information that is collected is anonymous and is only used to improve how our site works. We do not allow Google to make any attempt to establish the identities of any users of our site. Please see our Cookies notice for more details about Google Analytics.

We also use a number of carefully selected third parties to supply us with products and services. We will only share your information with our suppliers where it is necessary for them to provide us with the services we need.

If you have an online account with us, we share information about you including information about the payments you make, any payments you miss and details of any defaults with our client.

We are authorised by the Financial Conduct Authority. This means that we are required to report certain things to the Financial Conduct Authority which may mean sharing information about you if there is an issue or complaint in respect of your account. We are registered with the Information Commissioner’s Office and if you make a complaint to them, we may have to share information about you and your account. We also deal with the Financial Ombudsman Service and the Consumer Ombudsman Service and we may share information with them about you and your account in order to resolve your complaint.

We may also share information with other members of the Lowell group of companies for our internal administration purposes, to comply with our legal, regulatory, professional and other corporate governance obligations and to confirm that the information that we hold about you is accurate and up to date.

Where is your information stored?

Your information is generally stored on servers and filing systems in the UK but from time to time it may be stored in or accessed from countries outside the UK. Where this may happen, we always make sure that there are appropriate safeguards in place, such as the model contract clauses, binding corporate rules or the EU-US Privacy Shield, to guarantee that your information – and your rights – are protected to the same high standard as under UK law.

Unfortunately sending information via the internet is not completely secure. Although we do our best to protect your information, we cannot guarantee the security of any information you transmit to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to prevent unauthorised access.

Our site may, from time to time, contain links to and from the websites of third parties. If you follow a link to any of these websites, please note that these websites have their own privacy notices and cookie notices and we do not accept any responsibility or liability for those notices or your use of those websites.

How long do we keep your information?

We only keep your information for as long as we need it and we will keep your information for no more than two years.

If you have an online account with us we will keep your information for as long as our client requires us to keep it.

Do we carry out profiling and automated decision-making?

We use Google Analytics to collect details of how you use our site, as well as anonymous data that you enter into our forms. We do this to help us analyse how visitors use our site (including behaviour patterns and the tracking of visits across multiple devices), administer our site and manage your account. Google Analytics doesn’t collect information that identifies a visitor to our site. All the information that is collected is anonymous and is only used to improve how our site works. We do not allow Google to make any attempt to establish the identities of any users of our site. Please see our Cookies notice for more details about Google Analytics.

We do not carry out any other profiling or automated decision-making in respect of the information we automatically collect about you when you visit our site.

What rights do you have?

Under the data protection rules, you have a number of rights in respect of your information, which include the right to:

  • access your information
  • ask us to make changes to the information we hold about you to make sure that it is accurate and up to date
  • delete or erase your information (sometimes called the right to be forgotten)
  • stop or restrict our processing of your information
  • object to our processing your information
  • not be subject to automated decision-making and
  • request the transfer of some of the information we hold about you (known as data portability).

Some of these rights only apply in certain situations.

If you would like to exercise any of your rights, you can contact the owner of your account, or you can contact Freds who, as the data processor, will inform the account owner of your request.

What if you have a complaint?

If you have any questions, concerns or complaints about the way we process your personal information, please contact our Data Protection Officer in the first instance by writing to:

Data Protection Officer, Fredrickson International Ltd, PO Box 990A, Surbiton, KT1 9XY

or, if your account was with HMRC:

Data Protection Officer, Fredrickson International Ltd, PO Box 992A, Surbiton, KT1 9XY

and they will do their very best to help you .

If you are not happy with the way we have handled your complaint or are still concerned about our handling of your personal information, you have a right to take your complaint to the Information Commissioner’s Office at Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF and www.ico.org.uk.

Who are the Lowell group?

The Lowell group is made up of the following companies incorporated in the UK

Lowell Portfolio I Ltd Company number 04857418
Lowell Financial Ltd Company number 04558936
Lowell Solicitors Limited Company number 08647091
Fredrickson International Limited Company number 02679522
Lowell Receivables Financing 1 Limited Company number 11344999
Lowell Finance Ltd Company number 05069513
Interlaken Group Limited Company number 03167536
SRJ Debt Recoveries Limited Company number 05064551
Tocatto Ltd Company number 05069843
Lowell Portfolio III Holdings Limited Company number 08336897
Lowell Portfolio III Limited Company number 08096778
Lowell Portfolio IV Holdings LimitedCompany number 08647094
Lowell Portfolio IV Limited Company number 08654105