This document sets out in detail the policy of Insolvency Support Services Limited (“the Company”) on the protection of information relating to debt advice and personal insolvency clients (“Clients”). Protecting the confidentiality and integrity of personal data is a critical responsibility that the Company takes seriously at all times. The Company will ensure that data is always processed fairly, in accordance with the provisions of relevant data protection legislation, including the General Data Protection Regulation (GDPR) and Data Protection Act 2018.
Data processing is any activity that involves the use of personal data. It includes obtaining, recording or holding information, or carrying out any operation or set of operations, including organising, amending, retrieving, using, disclosing, erasing or destroying it. Processing also includes transmitting or transferring personal data to third parties.
Personal data is any information by which a living person to whom the data relates can be identified. Personal data can be factual (for example, a name, email address, location or date of birth) or an opinion about that person’s actions or behaviour, such as a disciplinary record. There are also “special categories” of more sensitive personal data which require a higher level of protection.
The Company necessarily collects personal data about its Clients and this Privacy Notice explains how we treat that personal data and your rights in relation to it.
This document is the Company’s Debt Advice and Personal Insolvency Clients Privacy Notice. It explains your rights in detail. This notice, together with the information contained in the Data Processing Register, sets out the information the Company holds about such clients, the purpose for which this data is held and the lawful basis on which it is held. The Company may process personal information without the client’s knowledge or consent, in compliance with this policy, where this is required or permitted by law.
The Debt Advice and Personal Insolvency Clients Privacy Notice and the Data Processing Register will be made available by way of a link contained within our first communication with the client. If the purpose for processing any piece of data about the Client should change, the Company will update the Debt Advice and Personal Insolvency Clients Privacy Notice and Data Processing Register with the new purpose(s) and the lawful basis for processing the data and will notify the Client by email.
In processing Clients’ personal data, the following principles will be adhered to. Personal data will be:
The Company will collect personal information about Clients through the advice process, directly from Clients themselves. Additionally, where the Client is subject to a formal insolvency process which the Company is administering, information may be provided to us by the Accountant in Bankruptcy (in Scotland), the Official Receiver (in England, Wales and Northern Ireland) and in all cases from the creditors, debtors and employees of the insolvent Clients, and/or other stakeholders in the insolvency process that make such information available to us in the course of administering the insolvent estate.
From time to time, the Company may collect additional personal information in the course of its investigations into a Client’s affairs. These investigations may involve contacting third parties that are known or suspected to have had business or financial dealings with you, where we consider that the information they may provide could assist us to properly administer the insolvent estate.
We may collect, store, and use the following categories of personal information about you:
In limited circumstances, we may also collect, store and use the following “special categories” of more sensitive personal information:
Personal information will only be processed when there is a lawful basis for doing so. Most commonly, the Company will use personal information in the following circumstances:
The Company may also use personal information in the following situations, which are likely to be less common:
A list of each category of personal data we hold and the lawful basis we believe the Company to have for processing it may be found in the Data Processing Register.
The situations in which we envisage using your personal information are as follows:
If you fail to provide certain information when requested, we may take steps to compel you to provide it in Court and/or to acquire the information we need to properly administer your affairs from third parties.
Information provided by you or collected from third parties will only be used for the purpose we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose.
Please note that we may process your personal information without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
Some categories of personal data are considered by law to be particularly sensitive and are therefore classed as “special categories” of personal data. These relate to a person’s racial or ethnic origin, political opinions, religious or similar beliefs, trade union membership, physical or mental health conditions, sexual life, sexual orientation, biometric or genetic data. This type of data is afforded additional protection.
What constitutes special categories of data and how it is processed and protected is explained in greater detail in our Special Category Data Policy and Vulnerable Clients Policy.
There are a number of situations where we might possess special categories of data about you:
The Company envisages that it may hold information about criminal convictions where these are relevant to the causes of your insolvency or the performance of the functions of an Office Holder. If it becomes necessary to do so, the Company will only use this information where it has a legal basis for processing the information. This will usually be where such processing is necessary to carry out the role and function of an Office Holder.
The Company may also use information relating to criminal convictions where:
The Company will only collect information about criminal convictions if it is appropriate given the nature of the role of a debt advisor or insolvency Office Holders. Relevant convictions would typically be those relating to theft, fraud or dishonesty, money laundering or terrorist financing.
The Company will only retain Client’s personal information for as long as necessary to fulfil the purposes it was collected it for, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements. Details of retention periods for different aspects of personal information are set out in the Data Processing Register and Data Retention and Destruction Policy.
In most insolvency matters, there is a statutory retention period of 6 years from the conclusion of the case administration.
When determining the appropriate retention period for personal data that is not fixed by statute, the Company will consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of personal data, the purposes for which the personal data is processed, whether the Company can achieve those purposes through other means, and the applicable legal requirements.
The Company requires your consent to process your data when you approach us for advice about a debt solution. In all other circumstances, the Company does not require consent from Clients to process most types of personal data, as there will either be a contractual requirement upon us (once you have appointed us to advise you) or where we are administering your insolvency, since we will be performing a statutory function of an insolvency Office Holder.
The Company will not usually need consent to use special categories of personal data or information about criminal convictions in order to carry out legal obligations or exercise specific rights in the field of insolvency administration.
In limited circumstances, for example where you are asking the people you owe money to take your personal circumstances into account, you may be asked for written consent to process sensitive data. In those circumstances, Clients will be provided with full details of the information sought and the reason it is needed, so that you can carefully consider whether to consent. It is not a condition of us providing you with debt advice or insolvency services that you agree to any request for consent.
Where Clients have provided consent to the collection, processing and transfer of personal information for a specific purpose, they have the right to withdraw consent for that specific processing at any time (although a consent to a prior disclosure cannot be withdrawn once the disclosure has been made). Once the Company has received notification of withdrawal of consent it will no longer process information for the purpose or purposes originally agreed to, unless it has another legitimate basis for doing so in law.
Automated decision-making takes place when an electronic system uses personal information to make a decision without human intervention.
The amounts you may be asked to pay each month from your income towards the repayment of your debts are calculated using tools which assess the level of surplus income available for debt repayment once your allowable expenditure has been deducted. These tools do permit an element of human intervention, although the initial calculation is an automated one.
Different tools are used depending on whether you live in Scotland, England, Wales or Northern Ireland, and outside Scotland, different tools may be used for different types of debt solution.
If you would like further information about the tools used to calculate any contribution you may have to make, please contact us at [email protected].
The Company has put in place appropriate security measures to prevent personal information from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. Details of these measures are contained in our Confidentiality and Data Security Policy.
In summary, access to personal information is limited to those Staff Members, agents, contractors and other third parties who have a business need to know. They will only process personal information on the Company’s instructions and are subject to a duty of confidentiality. The Company expects Staff Members handling personal data to take steps to safeguard personal data of Clients in line with this and the Confidentiality and Data Security Policy.
The Company requires third parties to respect the security of Client data and to treat it in accordance with the law. Personal data about Clients will only be shared if it is lawful and necessary.
The Company may share Client data with third-party service providers where it is necessary to administer an insolvent estate, in connection with legal claims or where the Company has another legitimate interest in doing so (subject at all times to Client confidentiality).
The following activities are commonly carried out by third-party service providers:
Occasionally, we may share your personal information with other third parties, for example in the context of the possible sale or restructuring of the business. We may also need to share your personal information with a regulator or to otherwise comply with the law.
We do not anticipate the transfer of your data outside the EU. The Company holds personal data in its physical files and on its internal servers, which are located at the Company’s registered office. Our servers are subject to off-site backup to a cloud service provider which is based within the EEA (in the Republic of Ireland). You will be notified in the event the Company intends to transfer your data outside of the EU.
The Company will conduct regular reviews of the information held by it to ensure the relevancy of the information it holds. Clients should to inform the Company of any changes to their current circumstances. Where a Client has concerns regarding the accuracy of personal data held by the Company, the Client should contact their Case Administrator to request an amendment to the data.
Your rights
Under certain circumstances, Clients have the right to:
If a Client wishes to make a request on any of the above grounds, they should contact their Case Administrator, in writing (email is acceptable for this purpose). You will usually be entitled to know what personal information we hold about you.
Please note that, depending on the nature of the request, the Company may have good grounds for refusing to comply. If that is the case, you will be given an explanation by the Company.
Clients will not normally have to pay a fee to access personal information (or to exercise any of the other rights). However, the Company may charge a reasonable fee if the request for access is clearly unfounded or excessive. Alternatively, the Company may refuse to comply with the request in such circumstances.
The Company may need to request specific information from the Client to help confirm their identity and ensure the right to access the information (or to exercise any of the other rights). This is another appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.
Given the size of the Company, it has not been deemed necessary to formally appoint a Data Protection Officer. Oversight of data privacy throughout the Company and its operations rests collectively with our Directors. In insolvency cases, ultimate responsibility rests with the named Licensed Insolvency Practitioner that has been appointed in respect of your affairs.
If Clients have any questions about this policy or how the Company handles personal information of Clients, they should contact their Debt Advisor or Case Administrator at first instance. If they are dissatisfied with the response they receive (or no response is received) staff members should contact the Directors (for Advice Clients) or their Licensed Insolvency Practitioner (for Insolvency Clients).
Clients have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues.
The Company has put in place procedures to deal with any data security breach and will notify Clients and any applicable regulator of a suspected breach where legally required to do so. Details of these measures are contained in the Company’s Data Breach Policy.
In certain circumstances, the Company will be required to notify regulators of a data security breach within 72 hours of the breach.
If you have any concerns about the security of the personal data we hold about you, or suspect that a data breach has occurred, you should contact your Debt Advisor or Case Administrator.
The Company will have regard to the principles of this policy and relevant legislation when designing or implementing new systems or processes (known as “privacy by design”). The importance of data privacy has already been reflected and incorporated into all of our policies, processes and notices, including those in respect of:
The Company reserves the right to update this privacy notice at any time, and we will provide you with access to a new privacy notice when we make any substantial updates.