Privacy policy

This site is operated by Credebt International LLC (“Credebt”, “we”), a Delaware limited liability company and the United States entity of the Credebt Group, trading as Convertibill™. This policy applies to the website and to the enquiries made through it. It does not replace the privacy terms of any client agreement, which govern information handled once you become a client.

1. What we collect

Information you give us

The Get started form asks about your business: what it does, how its customers pay, its approximate size, where it is based and how to reach you. The broker form asks for your name, firm, email and phone and for a description of the client or book you are introducing. The booking page passes your name and email to the scheduling service. We collect only the answers you give; nothing on this site accepts an uploaded document. Your answers on the Get started form are saved as you go, so a form you begin and do not finish still reaches us.

Information collected automatically

When you arrive we record the page that referred you and any campaign tags on the link you followed, and we keep them in a cookie so that an enquiry you complete later can be matched to where you first heard of us. Our servers log the usual technical details of a request: IP address, browser type, pages requested and the time of each request.

Analytics

Where analytics is on (see section 5 for when that is) we use a product-analytics service that records page views, how far down a page you scroll and the events you trigger (for example opening a question or completing a step of the Get started form). We do not record or replay your session, and what you type into a form is not sent to the analytics service. If you opt out or decline, no analytics code is loaded.

2. Why we use it

• To respond to your enquiry and prepare for a first conversation.
• To decide which of our products fits your business and to set out terms in writing if you ask for them.
• To understand which sectors, regions and channels bring businesses to us, so that we can make the site and our outreach more useful.
• To meet our legal obligations, including record-keeping and the checks we must perform before buying receivables.
• To keep the site secure and detect misuse.

We do not sell personal information and we do not use it for automated decisions that have a legal or similarly significant effect on you.

3. How long we keep it

Enquiry data, including form answers and attribution, is kept for 24 months from your last contact with us and then deleted. If your enquiry becomes a client relationship, the information moves into the client file, which we keep for 10 years after the relationship ends to meet our record-keeping obligations. Server logs are kept for a shorter period for security purposes. Analytics data is kept according to the analytics provider's retention settings, which we configure to the shortest period that still allows us to see trends.

4. Who we share it with

We share personal information only with the service providers who help us run this site and respond to you, and only for those purposes:

• Hosting and storage. This site and the form submissions are held on servers operated by the Credebt Group in Europe, and are accessible to group staff in Ireland and the United States who handle enquiries.
• Analytics. PostHog (product analytics) and Google Analytics, loaded as section 5 describes.
• Advertising measurement. Google Ads, which receives a signal that a visit from one of our adverts became an enquiry.
• Email. The email service that delivers notifications to us and acknowledgments to you.
• Scheduling. Microsoft Bookings, if you pick a time for a call.

We also share information within the Credebt Group where that is needed to serve you, and with professional advisers, regulators or courts where the law requires. Your information is therefore stored and handled outside the United States, including in Ireland and elsewhere in Europe.

5. Cookies and analytics

These are the cookies and stored items this site uses:

The Google Ads tag is used only to record that someone who clicked one of our adverts went on to make an enquiry. We do not use it to build advertising audiences or to personalise adverts.

If you are in the United States, analytics and conversion measurement are on by default and you can switch them off below at any time. If your browser sends a Global Privacy Control signal we treat it as an opt-out. Everywhere else, including the European Union and the United Kingdom, nothing beyond the essential cookies is set until you accept the consent banner.

Your privacy choices

6. Your rights

Whoever you are and wherever you live, you may ask us to:

• tell you what personal information we hold about you and give you a copy;
• correct information that is inaccurate or incomplete;
• delete your information, subject to records we are required to keep;
• stop contacting you, at any time and for any reason.

Write to homer.reynolds@credebt.com. We will verify that you are the person the information concerns, respond within 45 days, and never charge for a request or treat you differently for making one.

7. California residents

If you are a California resident, the California Consumer Privacy Act as amended by the California Privacy Rights Act gives you the rights above and, in addition, the right to know the categories of personal information we have collected, the sources, the business purposes and the categories of third parties with whom it has been shared, all of which are set out in sections 1, 2 and 4. In the preceding twelve months we have collected identifiers, commercial information about your business and its enquiry, and internet activity information. We do not sell personal information and we do not share it for cross-context behavioral advertising. We do not knowingly collect information from anyone under sixteen. You may exercise your rights by email at homer.reynolds@credebt.com or by telephone on +1 646 692 0079, and you may authorize an agent to act for you. We do not discriminate against anyone for exercising their rights.

8. New York safeguards

We maintain a data-security program designed to meet the reasonable-safeguard requirements of the New York Stop Hacks and Improve Electronic Data Security (SHIELD) Act. It includes administrative safeguards (a designated person responsible for the program, staff training and the selection of service providers able to protect data), technical safeguards (encryption in transit, multi-factor access control, logging and the regular review of access) and physical safeguards (data held in professionally operated data centers and disposed of securely at the end of its retention period). In the event of a breach of security affecting private information of New York residents we will notify the affected people and the authorities as the Act requires. Further detail is on the security page.

9. Changes

We will revise this policy as the site and our services change. The version date at the top of the page tells you when it was last revised, and we keep earlier versions available on request.

10. Contact

Credebt International LLC. Email homer.reynolds@credebt.com; telephone +1 646 692 0079. Post: Credebt Group head office, 15A Baggotrath Place, 15-16 Lower Baggot Street, Dublin D02 NX49, Ireland.