DC Guru Code of conduct

DC Guru code of conduct

To uphold the professionalism and best practices of our services, DC Guru employees abides by the following code of conduct. 

  • To conduct business dealings in compliance with all relevant legislation, regulations, regulatory guidance and requirements according to CCAS (Credit Collection Association of Singapore) Code of practice.
  • To conduct business under names, titles and trading styles which are not intended to confuse, mislead or otherwise embarrass clients, creditors, customers or members of the public and which will not imply any association with other organizations, government bodies or persons which either do not exist or carry no association with the business.
  • To cooperate with CCAS and regulators that regulate or supervise the debt and/or recovery industry.
  • To provide appropriate training to our staffs in order to ensure that they conduct themselves in accordance to our code of conduct and practice.
  • To constantly audit our practices, strategies, communications and compliance against our companie's code of conduct. 
  • To have and maintain clear and effective policies and procedures covering all business activities we are engaged in. 
  • To not wrongfully discriminate against any person.
  • To have in place a separate business account for all monies collected on behalf of clients.
  • To inform our clients of the correct rates of charges for services rendered.
  • To undertake due diligence and audit for any third party agent on a regular basis to ensure adherence to regulatory requirements. 
  • To take appropriate steps ensuring the accuracy of data processed in relating to  debtors, key contacts and their debts. 
  • When an account is reasonably disputed or a complaint is received, to suspend collection activities and investigate. Where applicable, to refer the matter to our client concerned. 
  • To provide prior written notice to debtors when outsourcing accounts, to ensure the debtors are aware who will be contacting them. 
  • To make contact at reasonable times and at reasonable intervals, taking into consideration the reasonable wishes of the debtor, which may include the preferred method of communication. Where possible, make debtors aware of business operations hours and highlight contact periods. 
  • To communicate with debtor fairly and transparently, and not intentionally mislead them. 
  • To take into account the debtor's circumstances and ability to pay when seeking to recover debts. 
  • To take into account the debtor's domicile and the law applicable to the agreement underlying the debt. 
  • To treat debtors fairly and not subject debtors to agressive practices, or conduct which is deceitful, oppressive, unfair or improper, whether lawful or not.