Privacy policy
This privacy notice explains how we use the personal information we collect about you when we provide our services. It was last updated on 3 May 2022.
Who we are
NTF Corporate Solutions Limited ("NTF") is an insolvency practice licensed and regulated by the Institute of Chartered Accountants in England and Wales (ICAEW). NTF specialises in offering insolvency assistance and advice to individuals and companies, and your security and privacy are important to us.
This privacy notice explains how we use the personal information we collect about you when we provide our services to you. Our lawful basis for processing is contractual, however we also request your consent to record or share special category data or to use third parties.
What personal information we collect
In order to provide our services under the contractual agreement, we collect personal information (data) that uniquely identifies you. The table below explains the information we collect and why.
| The categories of your personal data we collect include | Why we want the data, and what we will do with it |
|---|---|
| Personal descriptors, for example name, age, date of birth, passport or driving licence | We require this to identify you and communicate with you. You cannot opt out of providing this information. |
| Financial and employment information, for example income, expenditure, assets, liabilities, bank statements, benefits details, wage slips, tax returns, default history, legal action or county court judgements, previous credit history, credit reference information, bank account and debit card details, employment status, occupation, pay date, salary amount, and professional or occupational status (such as company director) | We require this to advise, assist and report on your financial position where that is appropriate. You cannot opt out of providing this information. |
| Life information, for example marital status, number of child dependants, approximate ages of child dependants, and general household details | We require this to provide certain services, such as assessing what you can afford to pay towards your debts. This information is a contractual requirement and you cannot opt out of providing it. |
| Health information, for example physical or mental disabilities | We may collect certain special category data to identify whether you are potentially vulnerable or require further support. You can opt out of providing this information. |
Where we collect personal information from
We may receive information directly from you, from any third party you appoint to act on your behalf, and from legal parties, your creditors, your bank, credit reference agencies or law enforcement. In some cases we may receive other information about you, such as details of a health condition from your health professional.
How we use your personal information
The main lawful basis for processing your information is the performance of the contract, as we cannot carry out our contractual obligations without processing your personal information. In performing the contract we may also process your information to:
- deliver services and meet our legal and regulatory responsibilities;
- verify identity where this is required;
- communicate with you by post, email or telephone;
- understand your needs and how they may be met;
- maintain records;
- process financial transactions;
- prevent and detect crime, fraud or corruption.
On occasion our lawful basis for processing may change, for example if it is necessary for your vital interests (such as to protect your life), or where we have a legitimate interest in processing your information (such as for statistical purposes), and where possible this is anonymised to safeguard it.
Our main purpose for processing your personal information is to provide the services you have requested, as specified in the terms and conditions or contract. To collect special category information, or to process your information for certain purposes such as direct marketing, we require your explicit and informed consent. Where this applies it will be made clear to you.
Who we share your personal information with
Depending on the service requested, we may share your information with other parties, as without doing so we or they cannot carry out the service specified within the contractual agreement.
From time to time we use external consultants and legal specialists, or outsource certain aspects of our processes to other organisations, some of whom may be located outside the European Union. We keep outsourcing to a minimum, but on occasion these organisations may assist us with matters such as quality monitoring, scanning, marketing, identity verification checks, audits, record keeping or printing. All outsourced service providers are carefully vetted and monitored to safeguard your information.
We may use credit reference agencies to verify your identity, which will usually leave a soft search on your credit file. For more information about this, visit www.experian.co.uk. In accordance with our legal obligations we may be required to share information with the police, other law enforcement, government agencies or regulatory bodies.
You also have the option to appoint someone else to act on your behalf, such as a spouse or carer, with whom we can share your information. You will need to provide separate explicit consent for us to share your information with them, and you can revoke that consent at any time.
If you do not provide your personal information
If you do not provide the information we require in order to carry out the service requested of us, then we will not be able to act on your behalf.
How long we retain your personal information
Depending on the service undertaken and the type of information held, your personal information will be held for no longer than 7 years from completion of the service. This information is held for both legal reasons and for the protection of all stakeholders.
Holding personal information outside the EEA
During our normal course of business we may use software to store or transfer your data, which may be held on servers outside the EEA. While the storage of the information is not directly under our control, we believe the information is protected by appropriate technical and organisational security measures, and that the countries in which it may be stored ensure an adequate level of protection for personal data.
Using our website (cookies)
If you use our website we may collect your IP address, cookies, browser information, and use plugins that collect information (such as analytics tools). Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information. This is used to track use of the website and to compile statistical reports on website activity.
For further information, visit www.aboutcookies.org or ico.org.uk/concerns/cookies. You can set your browser not to accept cookies and can find out more using the links above, however in some cases our website features may not function as a result.
Your rights
- Access to your information. You have the right to request a copy of the personal information about you that we hold.
- Correcting your information. We want to make sure that your personal information is accurate, complete and up to date, and you may ask us to correct any information you believe does not meet these standards.
- Deletion of your information. You have the right to ask us to delete personal information about you where we no longer need it for the purpose it was obtained, where you have withdrawn consent, where you have validly objected to our use of it, or where our use is contrary to law.
- Objecting to how we may use your information. You have the right at any time to require us to stop using your personal information for direct marketing. Where we use it for tasks carried out in the public interest, we will stop if you ask us to, unless there are overriding legitimate grounds to continue.
- Restricting how we may use your information. In some cases you may ask us to restrict how we use your personal information, for example while we check its accuracy or assess an objection you have made.
- Automated processing. If we use your personal information on an automated basis to make decisions that significantly affect you, you have the right to ask that the decision be reviewed by a person to whom you can make representations and contest the decision.
- Withdrawing consent. Where we use your personal information with your consent, you may withdraw that consent at any time and we will stop using it for the purpose for which consent was given.
Please contact us in any of the ways set out in the contact section below if you wish to exercise any of these rights.
Changes to our privacy statement
We keep this privacy statement under regular review and will place any updates on our website. Paper copies may also be obtained by contacting our office on 01625 540 744 or by emailing info@ntffs.co.uk. This privacy statement was last updated on 3 May 2022.
Contact information and further advice
The Data Manager
NTF Corporate Solutions Limited
Suite 4, Aus Bore House
19-25 Manchester Road
Wilmslow, Cheshire, SK9 1BQ
01625 540 744 ยท info@ntffs.co.uk
Complaints
We seek to resolve directly all complaints about how we handle personal information, but you also have the right to lodge a complaint with the Information Commissioner's Office, whose contact details are as follows.
Information Commissioner's Office
Wycliffe House, Water Lane
Wilmslow, Cheshire, SK9 5AF
Telephone: 0303 123 1113 (local rate) or 01625 545 745
Website: https://ico.org.uk/concerns