How we use your data.

Helvetic Credit Solutions AG is based at Zentralstrasse 44, 6003 Luzern, Switzerland and is registered in Switzerland under company number CH-150.3.003.349-1.

For privacy questions or requests, contact:

Privacy Team
Helvetic Credit Solutions AG
Zentralstrasse 44
6003 Luzern
Switzerland
Email: info@helveticag.com

This notice applies when Helvetic processes personal information in connection with receivables management, healthcare and insurance support, tracing and information services, complaints, business enquiries and use of this public website.

Depending on the service and contractual arrangement, Helvetic may process information on a client's instructions or may determine particular aspects of the processing. The precise data-protection role can vary according to the matter and applicable law.

Helvetic may receive personal information from:

• healthcare providers and affiliated billing entities;
• creditors and other business clients;
• insurers and assistance companies involved in assessing or paying an account;
• publicly available records and official registers;
• approved tracing, information and service providers;
• local partner agencies, professional advisers or authorised representatives; and
• the individual concerned, including through correspondence, telephone contact or a website enquiry.

The information depends on the service and may include:

• identity and contact information, such as name, date of birth, address, email and telephone details;
• client, creditor, healthcare provider, patient, guarantor or account reference information;
• billing, balance, payment, transaction and arrangement information;
• insurance, policy, claim, eligibility and payer information;
• communication records, correspondence, disputes, complaints and instructions;
• address history, public-register information and tracing results;
• information about financial circumstances where relevant to an account or payment arrangement;
• health, vulnerability or other sensitive information where relevant and lawfully provided or processed; and
• basic technical information generated when you visit or communicate through the website.

Helvetic may process information to:

• provide services to healthcare providers, creditors and other clients;
• administer, verify, communicate about and resolve accounts;
• verify insurance, eligibility, payer and claim information;
• maintain accurate contact information and conduct lawful tracing;
• receive and allocate payments and administer payment arrangements where authorised;
• review disputes, complaints, corrections and privacy requests;
• coordinate approved local, legal or professional support;
• prevent fraud, protect systems and maintain appropriate records;
• comply with legal, regulatory, accounting and audit obligations;
• establish, exercise or defend legal claims; and
• respond to website and business enquiries.

The legal ground depends on the processing and the law that applies. It may include performance of a contract, compliance with a legal obligation, legitimate interests pursued by Helvetic or its client, the establishment or defence of legal claims, and consent where consent is specifically required.

When sensitive personal information is processed, Helvetic applies the additional conditions and safeguards required by applicable law. Rights such as objection, deletion or withdrawal of consent are not absolute and may be limited where information remains necessary for legal, contractual or claims-related purposes.

Where necessary and lawful, information may be shared with:

• the relevant client, creditor, healthcare provider or billing entity;
• insurers, assistance companies and other relevant payers;
• approved ICE network partners and local service providers;
• tracing and information providers;
• lawyers, process servers, insolvency practitioners, courts and professional advisers;
• IT, hosting, communications, print, mail and payment service providers;
• auditors, regulators, public authorities and law-enforcement bodies where required; and
• a person or organisation authorised to act on your behalf.

Access is limited to those who require the information for an authorised purpose and who are subject to appropriate confidentiality and data-handling requirements.

Helvetic handles international matters and may need to disclose personal information to a client, insurer, service provider or local partner in another country. Before doing so, Helvetic considers the destination, the purpose and the safeguards required under applicable data-protection law.

Where a country is not recognised as providing an adequate level of protection, appropriate contractual, organisational and technical safeguards may be used, or another lawful exception may apply.

Healthcare accounts and information voluntarily disclosed about personal circumstances may involve health or other sensitive information. Helvetic limits the collection and use of such information to what is relevant and lawful, applies additional access controls, and shares it only where necessary for an authorised purpose.

Please do not send medical records or detailed health information through general email unless Helvetic has confirmed that the information is required and has provided an approved method.

Helvetic does not currently record telephone calls. If call recording is introduced in the future, callers will be informed appropriately and this notice will be updated before recording is used.

The public website does not currently use analytics, advertising cookies or behavioural tracking services. The public pages are intended not to set non-essential cookies. If analytics or other tracking is introduced, this notice and any required consent mechanism will be updated before use.

Helvetic keeps personal information only for as long as it is reasonably required for the relevant service and to meet legal, accounting, contractual, regulatory and claims-related obligations. Retention periods vary according to the record, account, client arrangement and jurisdiction.

When information is no longer required, it is deleted, destroyed or anonymised in accordance with applicable procedures.

Helvetic uses organisational, physical and technical measures intended to protect personal information against unauthorised access, loss, misuse, alteration or disclosure. No method of transmission or storage is completely risk-free, and security measures are reviewed according to the nature of the information and the risks involved.

Helvetic does not currently make decisions based solely on automated processing that produce legal or similarly significant effects on individuals. Human review is involved in account decisions.

Depending on the law that applies and the circumstances, you may have the right to:

• request information about the personal data Helvetic processes concerning you;
• receive a copy of relevant personal data;
• ask for inaccurate or incomplete information to be corrected;
• request deletion, destruction or restriction where legally applicable;
• object to particular processing where the law provides that right;
• withdraw consent where processing is based on consent;
• receive certain information in a portable format where applicable; and
• raise a complaint with Helvetic or an appropriate supervisory authority.

To make a request, email info@helveticag.com and provide your name, Helvetic reference number if available, and a clear description of the request. We may ask for reasonable additional information to verify your identity. Do not send a copy of an identity document unless we specifically request it and provide an appropriate method.

We encourage you to contact Helvetic first so we can investigate and respond. See our complaints page for details.

If you remain dissatisfied, you may report a potential violation to the Swiss Federal Data Protection and Information Commissioner (FDPIC):

Federal Data Protection and Information Commissioner
Feldeggweg 1
3003 Bern
Switzerland

FDPIC complaint information

Where the EU General Data Protection Regulation applies, you may also have the right to complain to the competent data-protection authority in the EU or EEA country where you live, work or believe an infringement occurred.

Helvetic may update this notice when its services, processing activities or legal obligations change. The effective date and version will be shown at the top of the published notice.