Terms & Policies

Written on April 6, 2020

Privacy policyDisclaimerCopyrightCookies policy

PRIVACY POLICY

We take the protection of any personal data we collect very seriously. This privacy notice is intended to provide you with details of how we collect and use your data as well as explaining your rights as a data subject. Please read this notice carefully to fully understand that by using our products and services, you are agreeing to the use of your personal information as described in this notice.

What is personal data?

Under the EU’s General Data Protection Regulation personal data is defined as any information relating to an identified or identifiable natural person (data subject)’.

Why do we need to collect and store your data?

For us to provide any contract or services, we need to collect personal data limited to contact details and information to verify identity. This is in respect of individual debtors as well as directors and shareholders with a holding of 25% or more. Failure to provide this information will result in us being unable to provide any services. Therefore, processing your personal data is necessary for the performance of a contract to which you have entered into, or in order to take steps at your request prior to entering into a contract.

In any event, we are committed to ensuring that the information we collect and use is appropriate for this purpose, and does not constitute an invasion of your privacy.

Will you share my personal data with anyone else?

We may pass your personal data onto third-party service providers contracted to support us in providing services to you. Any third parties that we may share your data with are obliged to keep your details secure, and to use them only to support the fulfilment of the service we provide to you. When they no longer need your data to fulfil this service, they will dispose of the details in line with the GDPR principles.

The third-party entities we pass your information onto are as follows:

  • Creditsafe, a credit information bureau with Identity Verification Provision;
  • Turnkey & Virtual Cabinet and other IT Software Providers;
  • Legal Advisors including, where appropriate, Debt Recovery Providers;
  • Payment Service Providers including Barclays & or Barclaycard;
  • Document Transmission Providers (Electronic Signing and Uploading)
  • Surveyors & other Services Companies.

Full details of all third-party service providers we use are available from our Data Protection Officer on request (detailed below).

How long is my personal information retained for?

We will process (collect, store and use) the information you provide in a manner compatible with the EU’s General Data Protection Regulation. We will endeavour to keep your information accurate and up to date, and not keep it for longer than is necessary. This is required to retain information in accordance with the law, such as information needed for audit purposes. How long certain kinds of personal data should be kept may also be governed by specific business-sector requirements and agreed practices.

Personal data may be held in addition to these periods depending on individual business needs. Details of our record retention schedule is available on request from our Data Protection Officer (detailed below).

Under what circumstances will you contact me?

Our aim is not to be intrusive, and we undertake not to ask irrelevant or unnecessary questions. Moreover, the information you provide will be subject to measures and procedures to minimise the risk of unauthorised access and disclosure.

Unless you have consented to us for marketing purposes then, we will not share any of the information you have provided with any third-parties or store any of your information outside of the European Economic Area. Regardless of any marketing preferences you have or may consent to, we will continue to communicate with you in respect of significant policy information. For example, changes to opportunities law or policies.

Marketing

We may use the data we collect to deliver and personalise our communications with you. For example, we may contact you by email or by phone to inform you about any new products or services. However, we will only do this if you have consented to marketing communications.

In addition, when visiting our website, you should be aware that our site uses cookies that are placed to help us provide a better user experience. To understand more about our cookie policy please click here.

What are my rights as a data subject?

At any point while we are in possession of or processing your personal data, you, the data subject, have the following rights:

  • Right of access – you have the right to request a copy of the information that we hold about you.
  • Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete. If at any point you become aware that any of the personal data we hold in respect of you is inaccurate, then please call or email us via the contact details below whereby, once verified, we will arrange for the information to be updated.
  • Right to be forgotten – in certain circumstances, you can ask for the data we hold about you to be erased from our records.
  • Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
  • Right of portability – you have the right to have the data we hold about you transferred to another organisation.
  • Right to object – you have the right to object to certain types of processing such as direct marketing.
  • Right to object to automated processing, including profiling – you also have the right to be subject to the legal effects of automated processing or profiling.
  • Right to judicial review: in the event that we refuse your request under rights of access, we will provide you with a reason as to why. You have the right to complain as mentioned below.
  • All the above requests will be forwarded on should there be a third party involved (as stated above) in the processing of your personal data

Can I find out what personal data you hold about me?

At your request, we can confirm what information we hold about you and how it is processed. You can request the following information:

  • Identity and the contact details of the person or organisation that has determined how and why we process your data.
  • Contact details of the data protection officer, where applicable.
  • The purpose of the processing as well as the legal basis for processing.
  • The categories of personal data collected, stored and processed.
  • Categories of recipients that the data is/will be disclosed to.
  • If we intend to transfer the personal data to a third country or international organisation, information about how we ensure this is done securely. The EU has approved sending personal data to some countries because they meet a minimum standard of data protection. In other cases, we will ensure there are specific measures in place to secure your information.
  • How long the data will be stored.
  • Details of your rights to correct, erase, restrict or object to such processing.
  • Information about your right to withdraw consent at any time.
  • How to lodge a complaint with our regulatory authority.
  • Whether the provision of personal data is a statutory or contractual requirement, or a requirement necessary to enter into a contract, as well as whether you are obliged to provide the personal data and the possible consequences of failing to provide such data.
  • The source of personal data if it wasn’t collected directly from you.
  • Any details and information of automated decision making, such as profiling, and any meaningful information about the logic involved, as well as the significance and expected consequences of such processing.

How can I find out about changes to this privacy notice?

We may modify or update this notice when necessary to reflect feedback and changes in our products and service; so, please review it regularly on our website. When we update this notice, we will revise the ‘Last Update’ date at the top of the notice.

If there are material changes to the notice or in how we use your personal data, we will notify you either by posting a notice of such changes before they take effect or by directly sending you a notification. We encourage you to regularly review this notice, which can be accessed via our external website or requested from our Data Protection Officer. Your continued use of the service or products after any modification to this notice will constitute your acceptance of such modification and updates.

Disclaimer

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The information in this website is for general guidance on your rights and responsibilities and is not legal advice. If you need more details on your rights or legal advice about what action to take, please contact a solicitor.

You can get help also from the insolvency service at https://www.gov.uk/government/organisations/insolvency-service

Freeinsolvency.co.uk assumes no responsibility for the contents of linked websites. The inclusion of any link should not be taken as endorsement of any kind by Freeinsolvency.co.uk of the linked website or any association with its operators. Further, Freeinsolvency.co.uk has no control over the availability of the linked pages.

Cookies policy

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We use cookies to

  • Gather information on the type of platform you are using to view our website and enable us optimise our website for the platform you are using.
  • Ensure you are provided with accurate and helpful information during your visit to the website.
  • Gather information on the way in which you use the site to enable us to improve customer experience and identify issues with the site.

By using our website you agree to the use of cookies on your device. If you do not consent, you must disable cookies or refrain from using the site. You can set your browser on each device you use to access the internet to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. However if you disable any of the cookies we use the website may not run at its optimum level.

Our website uses the following types of cookies

  • Strictly necessary cookies
  • Functionality cookies: these allow the website to recognise you as a returning visitor and remember the item you looked at on your last trip to the website.
  • Performance cookies: which allow us to monitor how people use the website, so that we can make it easier to use.
  • Third party cookies: these third parties help us analyse the use of our website and improve your customer experience.

For more information on cookies, how they work and choosing to accept or reject them visit https://www.cookiesandyou.com/.