How we use your Personal Information
This page provides a summary of how we will use the personal information we collect about you and the types of organisations we will share your personal information with.
Who we are and how you can contact us.
Who: River Insolvency Ltd.
Address: River Insolvency, 10 Payne Street, Glasgow, G4 0LF
Phone: 0141 846 6659
Email: hello@riverinsolvency.co.uk
What personal information we will collect about you?
To allow us to provide our services to you, we will collect the following categories of personal information:
- Your personal details (e.g., name, date of birth);
- Address details.
- Contact details (e.g. phone number, e-mail address);
- Special Personal Information*;
- Financial Information;
- Employment information;
- Information on how you use our website(s), products and services;
*Special Personal Information -Data protection law defines some categories of personal information as “special categories of data”. This includes information about health, religious beliefs, race or ethnic origin, political opinions, trade union membership or biometric data.
We will only collect and store this information where either we have agreed it with you first, or we have a legal obligation to do so, and it is necessary to provide our services. Any personal information about you relating to criminal convictions may only be used by us when authorised by law.
How and why, we may use your personal information
We can only use your personal information where it falls into one or more of the following categories:
- It is necessary to fulfil a contract we have with you;
- You have provided your consent;
- We have a legal or regulatory obligation to do so;
- It is necessary to carry out a task which is in the public interest;
- It is necessary to protect your vital interests; or
- It is in our legitimate interest to do so and it is not against your rights;
How we use your personal information
This table explains more about how and why we may use your personal information.
| How | Why |
| To allow us to provide our services, for example:Assessing your circumstances and giving you advice about repaying your debts;Preparing your Trust Deed or Sequestration documents and submitting them to your creditors;Updating you, your creditors, and the Accountant in Bankruptcy about your Trust Deed or Sequestration;Responding to any complaints;Checking your personal information against information held by credit reference and fraud prevention agencies. | To meet our obligations to advise you, to help you seek your creditors agreement to a Protected Trust Deed or Sequestration, and then to set up and deal with the ongoing administration of your chosen solution and to comply with our legal and regulatory obligations. |
| We may ask you to provide a review about the service we have provided to you or carry out marketing research. | We have a legitimate interest in developing our products and services and to identify where we may need to improve our service or understand what you like about our service. |
| Sharing information with our regulators. | We have a legal and regulatory obligation to provide information to our regulators if they ask us to do so. |
| Recording calls and retaining your personal Information. | To meet our legal and regulatory obligations, we may record our telephone calls with you. We will keep copies of our calls and the other personal information we hold, in most cases, for 6 years after you cease being our customer. |
| Providing you with updates about other products, services and promotions. | We will provide you with this information where you have given your consent to receive it, or where we may have a legitimate interest to carry out direct marketing activities. |
How we will use your personal information
Who we’ll share your personal information with.
This table sets out who we may share your personal information with and why.
| Who | Why |
| You. | To keep you informed about your Trust Deed/Sequestration, to help us carry out our duties as Trustee administering your Trust Deed/Sequestration, and to give you advice about what you need to do to be discharged from your debts. |
| Your creditors. | To tell them about your circumstances and your Trust Deed/Sequestration and to keep them informed of progress. |
| Trusted Business Partner | We will share your personal information with other companies who provide us with services that enable us to deliver our services to you. This will include IT service providers, payment distributors, professional advisors and insurers, communication service providers, printers, advertisers and social media platforms. We’ll only share your information with them if they have agreed to keep it confidential. |
| Banks, other Financial Institutions and the Payment Distributor. | To allow us to send and receive payments in connection with your Trust Deed/Sequestration. |
| Credit Reference Agencies and Fraud Prevention Agencies | If you have given your permissions, if we are legally entitled or if we have legitimate interest in doing so, we will share information with credit reference agencies (CRAs) to obtain information about your financial history or your credit commitments. The CRA will add details of any searches to your credit record which may be seen by other organisations. You can find out more about how CRAs use your personal information in the Credit Reference Agency Information Notice. This is available from any of the main CRAs: Callcredit, Equifax and Experian We will share your personal information with Fraud prevention agencies who use it to prevent fraud, money laundering and terrorist financing. |
How we use your personal information
Where the personal information we hold about you comes from
As well as the information you provide when you apply for and use our services, including through our online platforms and social media, we will also collect information about you that we need to provide our services from other parties, and from your lenders, and credit reference and fraud prevention agencies.
Using your information outside the European Economic Area (EEA)
We will only share your personal information outside the EEA if you have given us permission, or if one of the business partners we use processes information for us outside of the EEA, or if it is necessary to meet our legal obligations.
If we do share your information outside of the EEA, we will make sure it has the same protections as when it is used within the EEA.
Your rights
You have a number of rights over how your personal information is used. You can ask us to correct the information we hold, to delete it or not to use it in a particular way. You can withdraw any permission you have given, ask for copies of the personal information we hold about you or ask us to share it with somebody else. Our Privacy Policy has more information about these rights and how to use them.
If you’re not happy with how we process your personal information
If for any reason you are not happy with how we are using your personal information, you should contact us. If you’re not happy with how we deal with your complaint, you have the right to complain to the Information Commissioner’s Office.
River Insolvency DPA Number ZB542447 is registered with the Information Commissioner’s Office.
Further information is available on their website at: https://ico.org.uk/