Channel Islands Data Service Limited Privacy Policy
NOTICE: The Privacy Policy below will
become effective May 25, 2018.
Legal basis
Channel
Islands Data Service Limited ("CIDS") collect data on individuals and
businesses and permit access to this data for clients wishing to conduct a
credit check. We do not require consent from the individual/business. Instead
we operate on the basis that we have a legitimate business reason for doing
what we do, and providing such information to lenders is necessary for the
completion of a contract (e.g. lending application) they have made with you.
Our
Privacy Policy is intended to describe to you how and what data we collect, and
how and why we use your personal data. It also describes options we provide for
you to access, update or otherwise take control of your personal data that we
process.
If at any
time you have questions about our practices or any of your rights described
below, you can contact admin@offshorecreditcheck.com or call 0330-016-8843 (lo-cost call rate. Free if you have bundled minutes).
What information do we collect? We
collect information from a number of sources, including The Courts of the
Bailiwicks of Guernsey and Jersey, and the Isle of Man, various company
registries, the Registry Trust, our client base (including information
regarding the repayment performance of an account you may hold with them),
government departments and third parties, as well as from individuals
themselves. We either
collect this information by visiting the courts (or by one of our partners
visiting the courts) or via data feeds from organisations such as the Registry
Trust, or by live links to government data and third party data. The
information we collect and collate can include details of: ·
Financial
judgments taken in the Magistrate's/petty debts court ·
Financial
judgments taken in the Royal Court ·
Evictions ·
Saisie actions ·
en Plaids
d'Heritage ·
en ·
Debt
orders ·
Politically
Exposed Persons (PEPs) ·
Targets
of government sanctions ·
Disqualified
directors ·
Assigned
debts ·
Loan (or
other line of credit) performance ·
Regulator
decisions (such as prohibition notices and restricted individuals) ·
Application
history where a credit check was conducted ·
Property
ownership ·
Secured
debt How we utilise information. We do not
sell data in bulk (e.g. for marketing purposes): We allow our clients (on whom
we will have performed due diligence) access to this data for specific
information on specific named individuals on a case-by-case basis. We charge
our clients each time they access this data, and record each enquiry so that
you are able to see who has accessed your data. If you
would like to be informed immediately by SMS and email every time your credit
file is accessed please enquire about our Identity Theft Protection services. Clients
may access our data for the purposes of a credit check, identity verification,
fraud prevention or to trace your whereabouts to enable recovery of a debt that
you may owe. Compliance
with legal, regulatory and law enforcement requests We co-operate with government
and law enforcement officials and private parties to enforce and comply with
the law. This may, in exceptional circumstances, require us to provide your
information without recording such on your credit file due to valid exemptions
from the law. Third-party
websites Our website and our mobile applications contain links to third-party data
sources. We are not responsible for the privacy practices or the content of
third-party sites. Please read the privacy policy of any website you
visit. How you can access, update or delete your data. By the
legitimate business purposes under which we are permitted to operate there is
not a requirement on us to "port" data (you cannot "choose"
which credit reference agencies do/don't hold details about you) or delete data
(unless it is incorrect). We try to
ensure your data is accurate, and will make every effort to discuss and resolve
anything on your credit file that you believe is inaccurate in any way. To
obtain a copy of your credit file please contact 0-333-555-33-55 (lo-cost call rate. Free if you have bundled minutes) or
admin@offshorecreditcheck.com. You will need to complete a form that we will
provide to you and provide valid ID and residence proofs. If you
believe that we have other information held in addition to the contents of your
credit file (e.g. as a result of correspondence between us) you may request
this through a Subject Access Request using the same contact details as above.
Please note that unless you have had correspondence with CIDS or unless CIDS
are collecting a debt from you, it is unlikely a SAR will provide any
additional information over and above your credit file. The
Subject Access Request will be responded to within 30 days, and there will be
no charge for the information provided. How we secure, store and retain your data. We follow
generally accepted standards to store and protect the personal data we collect,
both during transmission and once received and stored, including utilisation of
encryption wherever possible. Sending
information over the internet is generally not completely secure, and we can't
guarantee the security of your data while it's in transit. Any data you do send
is at your own risk. We have procedures and security features in place to keep
your data secure once we receive it including firewalls, anti-virus software,
encryption, password protection, building security and regular staff training. All data,
electronic or otherwise, is retained in the jurisdiction of the Bailiwick of
Guernsey only, with the exception of our SMS service provider that may store
data in another GDPR adequate jurisdiction. We retain
personal data only for as long as necessary and by adherence to our internal
data retention policies. These policies are written with a view to maintaining
compliance with the relevant laws. If you
have any questions about the security or retention of your personal data, you
can contact us at admin@offshorecreditcheck.com Changes in our Privacy Policy. We
reserve the right to modify this Privacy Policy at any time. If we decide to
change our Privacy Policy, we will post those changes to this Privacy Policy
and any other places we deem appropriate, so that you are aware of what information
we collect, how we use it, and under what circumstances, if any, we disclose
it. Data Protection Authority. You may
direct questions or complaints to our lead supervisory authority, the Office of
the Data Protection Commissioner
St Martin’s House
Le Bordage,
St Peter Port Guernsey
GY1 1BR Email:
enquiries@dataci.org Telephone:
+44 (0)1481 742074 Contact us. If you
have any questions, concerns or complaints about our Privacy Policy, our
practices or our Services, you may contact us at: CIDS PO Box
379 St Peter
Port Guernsey GY1 3YZ admin@offshorecreditcheck.com 0330-016-8843(lo-cost call rate. Free if you have bundled minutes) We will respond to all requests, inquiries or
concerns within thirty (30) days.