PRIVACY & COMPLIANCE

Your Data, Protected. Your Business, Compliant.

ClearDue is built on a foundation of trust — we maintain rigorous compliance standards and protect your data across every product and service we provide.

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This page provides general information about ClearDue Credit Solutions' approach to privacy, confidentiality, and compliance-conscious collections. It is not legal advice and should not be treated as a complete legal privacy policy. Formal policies and notices should be reviewed with appropriate legal counsel.

Responsible Collections

We believe recovery should be firm, fair, and professional.

ClearDue's collections approach is designed to support responsible account recovery. We engage customers respectfully, communicate clearly, and focus on resolution. Our team conducts collection activity in a manner aligned with applicable laws, client requirements, confidentiality obligations, and ethical collection practices. We do not believe in harassment, intimidation, misleading communication, or unnecessary reputational harm.

Customer Dignity & Respectful Communication

Every account involves a person.

Customers may fall behind for many reasons. While outstanding obligations must be addressed, they should be addressed professionally. Our communication standards are built around:

Clear identification and purpose of contact
Respectful language
Accurate account discussion based on available information
Avoidance of threatening or abusive communication
Practical resolution discussions where appropriate
Documentation of customer engagement
Escalation of disputes or sensitive matters

Data Protection & Confidentiality

Client and customer information must be handled carefully.

ClearDue takes the confidentiality of client and customer information seriously. We use controlled processes for receiving, accessing, managing, and reporting on account information. Access to sensitive information is limited to authorized personnel with a legitimate business need. Our data handling practices are designed to support:

Confidential treatment of client information
Responsible handling of customer account data
Controlled access to account records
Secure storage and workflow management
Accurate activity tracking
Appropriate reporting to clients
Escalation of potential data or account issues

Technology & Access Controls

Modern systems support better control.

ClearDue's operations are supported by modern collections technology to assist with workflow control, account activity tracking, reporting, audit trails, placement management, and compliance-related processes. Technology may assist with:

Account management
User access control
Activity records
Workflow tracking
Client reporting
Customer communication management
Payment arrangement tracking
Audit trails

Client Confidentiality

We protect the trust clients place in us.

Clients may provide sensitive information relating to customers, balances, account history, payment arrangements, disputes, and internal portfolio decisions. ClearDue treats client information as confidential and uses it only for authorized recovery and account management purposes, subject to client instructions and applicable requirements. We do not treat account placements casually — each placement represents trust.

Training & Staff Conduct

Compliance starts with people.

ClearDue's team is expected to operate in alignment with the organisation's standards and conduct guidelines. Staff are onboarded with an understanding of professional conduct requirements, client confidentiality expectations, and customer interaction standards. Ongoing guidance is provided through internal supervision, review, and process frameworks. Staff conduct issues are managed internally with appropriate corrective action.

Regulatory Awareness

Understanding the landscape we operate in.

ClearDue operates in Trinidad & Tobago and designs its processes with awareness of applicable legislation, regulatory guidance, and emerging best practices in consumer and commercial collections. This includes consideration of relevant provisions relating to harassment, misleading communication, and data handling. Clients may have additional compliance requirements relevant to their sector, and ClearDue is prepared to discuss how its approach aligns with those requirements.

Dispute Handling

Disputes should be taken seriously.

When a customer or client raises a dispute, account concern, or complaint, ClearDue applies the following approach:

Acknowledge and document the dispute
Pause collection activity on the disputed account while under review
Notify the client of the dispute
Investigate based on available information
Respond to the disputing party
Escalate unresolved matters appropriately

How We Communicate

Appropriate, accurate, documented.

ClearDue communicates with customers through appropriate channels. Our communications are intended to be:

Clearly identifying ClearDue as the contacting party
Stating the purpose of contact
Accurate in describing the account situation
Documented for internal records
Focused on resolution
Proportionate in frequency
Free of harassment or intimidation

Our Commitment to Improvement

Compliance is a continuous practice.

ClearDue is a growing company. We are committed to improving our processes, our controls, and our standards over time. Client feedback, regulatory developments, and industry best practices all inform how we evolve. We take our obligations seriously and hold ourselves accountable to improving the quality and consistency of our compliance posture as we scale. If you have feedback or concerns about how we handled your account or inquiry, we encourage you to reach out directly.

Questions about how we handle information?

If you have questions about your account or our approach, contact us directly. We are happy to address them professionally.

Contact ClearDue