Privacy Policy & Terms of Service

Last updated: May 2026

1. Who We Are

Payless Claims ("we", "us", "our") is a UK construction payment recovery service. We are the data controller for the personal data you provide when using this website.

2. What Data We Collect

We collect the following categories of personal data:

Identity data — your name, company name, and Unique Taxpayer Reference (UTR)
Contact data — your email address and phone number
Financial data — payment amounts, deductions, and claim figures you provide
Document data — files you upload (payslips, spreadsheets, bank statements, screenshots, and other evidence)
Transaction data — details of payments made to us, processed by Stripe
Communications data — messages sent via our contact form
Technical data — IP address and browser information collected automatically when you use our website

3. How We Use Your Data

Purpose	Legal basis
Processing your claim and generating letters	Performance of contract
Analysing documents you upload to produce accurate demand letters	Performance of contract
Sending your letters and supporting documents by email	Performance of contract
Processing your payment via Stripe	Performance of contract
Sending order confirmations and claim updates	Performance of contract
Responding to contact form enquiries	Legitimate interests
Preventing fraud and ensuring security	Legitimate interests
Complying with our legal obligations	Legal obligation

We do not use your personal data for marketing without your explicit consent. We do not sell your data to third parties.

4. Who We Share Your Data With

We share your data only with the following trusted processors, each under appropriate data processing agreements:

Stripe
Payment processing · USA (adequacy safeguards apply)
Supabase
Secure database and file storage · EU
Resend
Transactional email delivery · USA (adequacy safeguards apply)
Anthropic
AI-assisted letter generation from your claim data · USA (adequacy safeguards apply)
Vercel
Website hosting and infrastructure · USA (adequacy safeguards apply)

We may also disclose data where required by law or to enforce our legal rights.

5. How Long We Keep Your Data

We retain your data for as long as necessary to fulfil the purpose for which it was collected:

Claim data and documents — retained for 7 years from the date of your order, to comply with our legal and contractual obligations
Payment records — retained for 7 years in accordance with HMRC requirements
Contact form messages — retained for 2 years

Where your claim has resolved and the retention period has passed, we will securely delete your personal data.

6. Your Rights

Under UK GDPR and the Data Protection Act 2018, you have the following rights:

Right of access — request a copy of the personal data we hold about you
Right to rectification — request correction of inaccurate data
Right to erasure — request deletion of your data (subject to our legal retention obligations)
Right to restrict processing — request that we limit how we use your data
Right to data portability — receive your data in a portable format
Right to object — object to processing based on legitimate interests

To exercise any of these rights, email us at info@contact.paylessclaims.com. We will respond within 30 days.

7. Cookies

We use only essential cookies necessary for the website to function (session management and security). We do not use advertising or tracking cookies.

8. Complaints

If you are unhappy with how we handle your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk or by calling 0303 123 1113.

We would, however, appreciate the opportunity to address your concerns before you contact the ICO — please email us first.

9. User Responsibilities — Accuracy of Information & Dates

You are solely responsible for the accuracy of all information, figures, and dates you enter into the Payless Claims service. This includes, but is not limited to:

Application dates and payment application reference numbers
Contract start and end dates and last working dates
Amounts applied for, amounts paid, and deduction figures
Contractor names, addresses, and contact details
Any other dates, periods, or figures used in the preparation of your documents

All documents, letters, and notices generated by Payless Claims are produced entirely on the basis of the information you supply. Before any document is sent or served, you will be given the opportunity to review its contents. By proceeding to send or serve any document, you confirm that you have reviewed it and that all information contained within it is accurate and correct to the best of your knowledge.

Payless Claims accepts no liability whatsoever for any loss, damage, failed claim, invalid notice, procedural error, or adverse outcome arising from inaccurate, incomplete, or incorrect information, figures, or dates entered by the user. This includes, without limitation, any claim that fails or is rendered invalid because an application date, notice period, or statutory deadline was incorrectly stated in the information provided to us.

If you are uncertain about any date or figure, we strongly recommend that you verify it against your original contract, payment applications, bank records, or other primary source documents before submitting your claim. If you require assistance verifying your figures, our Assisted Service includes full document analysis for this purpose.

10. Changes to This Policy

We may update this policy from time to time. The date at the top of this page shows when it was last revised. Continued use of our service after any change constitutes acceptance of the updated policy.