Yes You Can Edit Your Credit
Idioma: inglés
Editorial: AuthorHouse, 2009
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Librería: PBShop.store US, Wood Dale, IL, Estados Unidos de AmericaPBShop.store US
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N° de ref. del artículo L0-9781449008758
- Título
- Yes You Can Edit Your Credit
- Autor
- Mosley, Jolanda
- Editorial
- AuthorHouse
- Año de publicación
- 2009
- Estado
- New
- Encuadernación
- PAP
- Idioma
- inglés
- ISBN 10
- 1449008755
- ISBN 13
- 9781449008758
- Peso del artículo
- 268 gramos
“Sinopsis” puede pertenecer a otra edición de este título.
Fragmento. © Reproducción autorizada. Todos los derechos reservados.
YES YOU CAN EDIT YOUR CREDIT
20 YEARS EXPERIENCE WORKING FOR THE INDUSTRY'S LEADING CREDIT REPORTING AGENCYBy Jolanda MosleyAuthorHouse
Copyright © 2009 Jolanda MosleyAll right reserved.
ISBN: 978-1-4490-0875-8
Contents
What Your Credit Report Says About You...................................1ORDERING YOUR CREDIT REPORTS!!!!!!!......................................11What Your Credit Score Says About You....................................17Credit Repair - No one else can do it for you!...........................25Safe Places to Receive Help..............................................29Now that I've received my reports, where do I start?.....................35What Consumer Rights Do I Have?..........................................45Dealing with Debt Collectors.............................................53Protecting Your Identity.................................................59DANGER!!!! Scams to Avoid................................................71Notes....................................................................91
Chapter One
What Your Credit Report Says About YouA credit report tells the story of the kind of relationship that you have with others whom you do business with. For example, most of us have a library card. When you go to the library to check out a book, there is a history of what types of books you have checked out, when you checked them out, when they were scheduled to be returned and when you actually returned them. Also included are what late fees you have paid and which ones are outstanding. Your library card gives a history of the type of relationship that you have with the library.
A credit report works virtually the same way. It is designed to give lenders a look into whether or not you pay your bills on time, how much debt you are in, what types of credit you have (i.e. revolving, installment, etc.) as well as other areas.
Credit reports are widely used today to determine everything from if you will be hired for a job, if insurance will be extended to you or if you will receive financing for that wonderful house on the hill or be able to get financing for the car of your dreams. Yes you read it correctly. There are some potential employers that will pull your credit report to see how you are paying your bills to determine whether or not you will be offered the job or receive a promotion on your existing one. While I believe in some instances that this is warranted depending on the type of job that you are applying for, my personal opinion is that in other cases what does it have to do with anything? Your credit report cannot tell the story that you were laid off, suffered an illness, went through a divorce or experienced some other "life change" that has now left your credit less than perfect. You want to get the job so that you can begin to rebuild your life and pay people what you owe them, but you can't because your credit report reflects too many "bruises". In a lot of cases it really is a catch 22. Nevertheless, this is the society that we live in and I want to offer my years of experience to help you get back on your feet ... one step at a time.
The information contained in your credit report is vital but it is up to you as the consumer to manage it and oversee it. Believe me, you must be the one to take an active role in managing your credit report. This book is not to promote any products offered by the industry but I am writing it to serve as a guide for you to begin to get your credit life on track and try to walk you through the overwhelming amount of information.
The Federal Trade Commission (FTC) is the branch of our government that writes the laws and governs all of the aspects of credit reporting. The Fair Credit Reporting Act (FCRA) is the law designed to promote that the information contained in your report is accurate, that the information in your report is fair all while ensuring that your privacy is protected. As a consumer, the FCRA provides you with rights as well! Most of us are oblivious to the fact that there are rights that protect us. In my experience, when I would have discussions with people about a credit report, I can actually count on one hand the amount of them that were even aware that there were things in place to protect them. Most people have been misguided and they believe that they must just accept whatever the credit report says about them.
Before, I venture further into what rights you have as a consumer; I don't want to take for granted that you know what a credit report is and what it might contain about you. If this is too elementary for you, I don't apologize but I do applaud you for knowing at least the basics. However, you would be very surprised at the number of people who have no idea what a credit report is, so this is for their education. I have already given you the "library card" analogy. Your credit report is designed to paint a picture of the type of relationship you have with your lending institutions...... In short, it is designed to show whether or not you pay your bills and if you pay them timely.
The Fair Credit Reporting Act (again, this is the act designed to promote accuracy, fairness and privacy of what's contained in your report) defines a consumer credit report as:
Any written, oral or other communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for:
Credit or insurance to be used primarily for personal, family, or household purposes
Employment purposes
Any other purposed authorized to have a qualified, allowable reason to need the information in your credit report
I will certainly address what the law says is an allowable reason to need your information shortly in this same chapter.
Okay. Now that you know what a credit report is, I think it is equally as important to know what a credit report IS NOT and what it cannot have in it.
A credit report may not contain any information that would be indications or ethnicity, gender, religious preferences
A credit report may not containin formation disclosing or inferring to a consumers medical condition. For example, The Alzheimer's Clinic cannot be listed on your report. All types of assumptions could be made by someone reviewing the information contained in your report thereby violating your rights as a consumer. However, their may be a collection account appearing on your report collecting for The Alzheimer's Clinic. In this scenario, if anyone else views your file, although they will see the collection agency, they should not be able to see The Alzheimer's Clinic.
A credit report may not contain information about any arrests or trouble that you may have had with the law
Your report will be the information that a credit reporting agency has in their file about you. The credit reporting agencies take the information that is given to them about you from your lenders which are also the agency's customers (I.e. Sears, GMAC, Capital One, etc.), assemble it and then it is given to you. Generally, here is the type of information that you should expect to see in your credit report.
Personal Information
Your personal information is critical to ensure accuracy of your file. This information comes from data that you provided as well as from creditors that you have a relationship with i.e. Sears, GMAC, Capital One, etc.
Your current address and any prior addresses where you either resided and/or used as a mailing address. This would include physical addresses as well as post office, drop boxes or rural routes. Any other addresses that the credit reporting agencies contain in the file on you
Your social security number and any variations of the number you provided than what is contained in the credit reporting agencies file. For example, if when you request your credit report and you gave them your assigned social security number of "123-45-6789" but one of your lenders has reported to the credit agency that the social they have on file for you is "123-45-6788" (the difference being the very last digit), the reporting agency MUST disclose to you any of those differences than what you provided. This is also true for any personal information you provided.
Your date of birth and any differences contained in the credit reporting agencies file
Current or previous employers
Your telephone number (not all of the credit reporting agencies list this information in their files)
Account Information
This information is given to the credit reporting agencies by creditors that you have a relationship with. There are several pieces of information that they report. Some of the credit reporting agencies may separate the positive (good accounts) from the negative (bad accounts). There may be other pieces of information but the list of data below represents the majority of what is reported:
The name of the account The account number (to protect your security, the complete account number may not be listed on the report) An address and/or phone number of the creditor Date account was opened Type of account (for example revolving charge, installment, mortgage, auto, etc) Terms of the account How you are actually paying against the account. Is the account being paid on time according to the terms of your agreement, have you missed some payments, is this account in a collection state or has it been written off (charged off), etc. Date that the creditor reported how you were paying this account Date account was closed if it has been closed Balance Credit Limit Who has responsibility for the account (is it individual account, joint with another user or are you only an authorized user of the account)
Public Record Information
This is information that has been obtained from local, state or federal courts. Any judgment (suit was filed against you), bankruptcy or tax lien that are a matter of public record may appear in your report. The type of information that is reported is:
Type of public record (judgment, lien, bankruptcy) Filing date Dismissed, Discharged, Paid or Release Date (if the item has been paid; Release also means paid) Assets and Liabilities (this information may not be reported by all credit reporting agencies) Plaintiff Attorney (this is information may not be reported by all credit reporting agencies)
Inquiry Information
Inquiries are the companies that have reviewed your credit report. Not just anyone can review the information contained in your credit report. For example, the neighbor that you had a fight with will not be able to call the credit reporting agency and ask for your report. In this section, I will address who can see your report.
There are 2 types of inquiries that can appear on your file: those that anyone viewing your report can see and those that only you can see.
Inquiries reflect who accessed your report for review Date your report was accessed Reason that your report was accessed i.e. you were applying for a job, credit card, home loan, etc.
I'm certain that you've heard that too many inquiries can hurt your credit score. Well this statement is certainly true but it also depends on the TYPE of inquiry as well. You as a consumer can order a copy of your credit report from one of the 3 agencies every day for the next year (not sure why anyone would want to do that BUT) even if you do, NONE of those inquiries will EVER be factored into your credit score. These are considered consumer disclosures and a consumer cannot ever be negatively affected or your credit score lowered just because you want to see what's on your credit report. On the other hand, when you as a consumer initiate a transaction I.e. you applied for credit those type of inquiries DO affect your score and too many will lower your score. Now who determines what's too many? You will never receive a straight answer about this from anyone because it's one of those "it depends" type questions. The best advice to you is to only apply for things as you NEED them. If you're walking through the mall and a store is offering free stemware, pearls or stainless steel flatware(all of which is probably the cheapest ever) just by completing the credit application..... JUST KEEP WALKING.... even better yet.... RUN! I'll discuss this in more detail in Credit Scoring".
Chapter Two
ORDERING YOUR CREDIT REPORTS!!!!!!!Okay, so hopefully you have a much better understanding of what a credit report is, what it contains and why it would be used. So now, you need to take action by:
ORDERING YOUR CREDIT REPORTS!!!!!!! Yes I'm shouting [??]
This is the part where we as consumers begin to get rather timid. There are all kinds of decisions being made about you based on a piece of paper, a credit report, a score....... yet as the person that the decision is being made about, because you've not seen the report OR afraid of what's on it, you fail to even look at it. Let me ask you a few questions. If your dream job were available, you applied, prepared, interviewed for it(and it went rather well) and they called you saying "Sorry, we didn't choose you" wouldn't you want to know why? If you have a goal of being a homeowner, sacrificed many pleasures in order to save your money, worked really hard and then you completed the loan application and you were rejected, wouldn't you at least want to know why? What if you applied for credit at the store just so you could save "10%", you got the discount BUT your credit was denied, wouldn't you at least want to check it out so it doesn't happen again?
Being denied or rejected can be extremely embarrassing, disappointing, overwhelming and just down right humiliating BUT the good news is in ordering your credit reports, you are taking the first step of "EMPOWERING" yourself to take control!
There are a lot of gimmicks, tricks and scams out there even when you are simply just trying to order your credit report. Don't get tricked into buying a fee based service when in most instances you have the right to get your report for FREE!
The federal law, Fair Credit Reporting Act (FCRA), states that you have the right to receive a copy of your credit report AND the credit reporting agencies must provide all of the information in your file at the time you make the request. This federal law also mandates that you are entitled to a free copy of your credit report if you've been denied credit, employment, insurance OR you've experienced any type of adverse action against you. An example of an adverse action could be your credit card company has sent you a notice stating that your line of credit has been cancelled and you can no longer charge on this card. If you've experienced any of the prior instances, you are entitled to a free copy of your credit report when you request it from the credit reporting agency within 60 days of the date you were notified that you were denied. The law states that the notice must include the name of the credit reporting agency, their address and phone number. Most notices will also include a website as well. There are 3 nationwide consumer reporting agencies:
Equifax
1-800-685-1111
www.equifax.com
Experian
1-888-397-3742
www.experian.com
TransUnion
1-800-916-8800
www.transunion.com
In 2004, an amendment was made to the federal law that states upon a consumers request the 3 nationwide reporting agencies must provide you with a free, "complimentary" copy of your credit report, upon your request, once every 12 months. In other words, even if you have not been denied credit, employment, insurance OR experienced any adverse action, you are still entitled to a "complimentary" credit report. This report may also be referred to as your annual credit report. To order your free annual credit report:
www.annualcreditreport.com
1-877-322-8228 or
Annual Credit Report Requests
P.O. Box 105281
Atlanta GA 30348-5281
You may print the Annual Credit Report Request Form at www.annualcreditreport.com or www.ftc.gov/credit
As you can see, there are 3 different ways your credit report: mail, phone or over the internet. I want to briefly touch on each to hopefully help you in determining which way is best for you. Let me start by saying that whichever way you choose to request your report, please just get it done. Remember it's the first step to empowering yourself!
(Continues...)
Excerpted from YES YOU CAN EDIT YOUR CREDITby Jolanda Mosley Copyright © 2009 by Jolanda Mosley. Excerpted by permission.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.
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PBShop.store US
Wood Dale, IL, Estados Unidos de America
Vendedor de IberLibro desde 7 de abril de 2005
Tarifas de envío en Estados Unidos de America
| Artículo | De 7 a 14 días hábiles | De 7 a 14 días hábiles |
|---|---|---|
| Primer artículo | EUR 0,00 | EUR 0,00 |
Métodos de pago
Descripción de la tienda
We first started out as “The Paperback Exchange,” a chain of physical bookstores where we would part exchange your beloved books for new stories to transport you to faraway places. However, as shopping started to evolve to online shops and marketplaces, we bid our stores goodbye to become “PBShop.” This transition has only allowed us to blossom as we now ship thousands of titles to book lovers across the globe. We pride ourselves in being a community of local book lovers which allows our passion and devotion to shine in everything we do. In 2020 we not only celebrated our 20th birthday but our 1st birthday as being completely employee owned after becoming an E.O.T in September 2019. We are proud to be different and embrace standing apart on a book mountain by working from a virtual inventory which allows us to provide thousands of books that may be difficult to get for your bookshelf or your studies. Working with a number of different suppliers allows us to explore other avenues such as puzzles, sheet music and even stationery so we really do have something for everyone. Life is about being versatile in all realms of existence. If this is your first visit or you are a returning customer, we would like to welcome you to the PBShop family, for there is no friend as loyal as a book. We are a company who put our customers at the centre of everything we do as we understand the importance of reading because once you learn to read, you will forever be free. There are a whole lot of things in this world of ours that we are yet to explore, which is why we will forever inspire curious minds.…
Especialidad
Hardbacks, PaperbacksInformación empresarial del vendedor
Pbshop.co.uk Ltd
Unit 22 Horcott Industrial Estate, Horcott Road
Fairford, Reino Unido GL7 4BX
Condiciones de venta
Returns Policy
We ask all customers to contact us for authorisation should they wish to return their order. Orders returned without authorisation may not be credited.
If you wish to return, please contact us within 14 days of receiving your order to obtain authorisation.
Returns requested beyond this time will not be authorised.
Our team will provide full instructions on how to return your order and once received our returns department will process your refund.
Please note the cost to return any unwanted order to us is borne by the buyer.
Should your order arrive damaged, not as advertised or faulty, we must be advised of this within 14 days of delivery. Please contact us so we can find the best solution for you.
Our Customer Care Team can be contacted via emailing paperback-us@paperbackshop.co.uk, or by calling our UK Office on +441285 712 917. We are available 9:00am till 5:30pm GMT weekdays and 9:00am till 1:00pm GMT on Saturdays.
Derecho al desistimiento
Si es un consumidor, puede rescindir el contrato de acuerdo con lo siguiente. Por consumidor se entiende cualquier persona física que actúe con fines ajenos a su actividad comercial, empresarial, oficio o profesión.
Información sobre el derecho de desistimiento
Derecho legal de desistimiento
Tiene derecho a rescindir este contrato en un plazo de 14 días sin dar ningún motivo.
El periodo de desistimiento vencerá a los 14 días desde que usted, o un tercero que no sea el transportista e indicado por usted, adquiera la posesión física del último bien o del último lote o pieza.
Para ejercer el derecho de desistimiento, complete de forma electrónica y envíe una declaración clara en nuestro sitio web, desde "Mis compras" en "Mi cuenta". Le enviaremos sin demora un acuse de recibo de dicho desistimiento a través de un soporte duradero (por ejemplo, por correo electrónico).
Para cumplir con el plazo de desistimiento, basta con que envíe su comunicación relativa al ejercicio del derecho de desistimiento antes de que venza el periodo de desistimiento.
Efectos del desistimiento
Si rescinde este contrato, le reembolsaremos todos los pagos que hayamos recibido de usted, incluidos los gastos de envío (excepto los gastos adicionales que surjan si elige un tipo de envío que no sea el tipo de envío estándar más económico que ofrecemos).
Podemos hacer una deducción del reembolso por la pérdida de valor de cualquier bien suministrado, si la pérdida es el resultado de una manipulación innecesaria por su parte.
Efectuaremos el reembolso sin demoras indebidas y, a más tardar, 14 días después de que se nos informe de su decisión de rescindir este contrato.
Efectuaremos el reembolso utilizando el mismo medio de pago que utilizó para la transacción inicial, a menos que haya acordado expresamente lo contrario; en cualquier caso, no incurrirá en ningún cargo como resultado de dicho reembolso.
Podremos retener el reembolso hasta que hayamos recibido los bienes o hasta que nos haya presentado una prueba de que los ha devuelto, lo que ocurra primero.
Deberá devolver los bienes o entregarlos a PBShop.store US, Springfield Gardens, New York, U.S.A., +44 1285 712917, sin demoras indebidas y, en cualquier caso, en un plazo máximo de 14 días a partir del día en que nos comunique su desistimiento del presente contrato. El plazo se cumple si devuelve la mercancía antes de que venza el periodo de 14 días. Tendrá que asumir los gastos directos de devolución de los bienes. Usted solo es responsable de la disminución del valor de los bienes como resultado de una manipulación distinta a la necesaria para establecer la naturaleza, las características y el funcionamiento de los bienes.
Excepciones al derecho de desistimiento
El derecho de desistimiento no se aplica a lo siguiente:
- La entrega de periódicos, diarios o revistas, con la excepción de los contratos de suscripción; y
- El suministro de contenido digital que no se proporcione en un soporte tangible (por ejemplo, en un CD o DVD) si, al hacer el pedido, aceptó que podíamos empezar a entregarlo y que no podría desistir una vez iniciada la entrega.
Condiciones de envío
Books are shipped from our US or UK warehouses. Delivery estimates allow for delivery from either location.
Privacidad y seguridad
PRIVACY POLICY
We are committed to protecting the privacy and security of personal data. This policy tells you how we will collect and use your personal data, and what you should expect in respect of the personal information about you that we have collected.
We are PBShop.co.uk Limited (registered in England & Wales with Company No: 9366362). Our registered office is at Swatton Barn, Badbury, Swindon, SN4 0EU, United Kingdom.
The person with responsibility for our data protection compliance is the Managing Director and they can be contacted via email at help@pbshop.store.
We are the data controller of the personal data that we keep and use, and we are therefore responsible for making sure that our systems, processes and people comply with the relevant data protection laws in respect of that personal data.
We will act in respect of personal data to comply with the six principles of the General Data Protection Regulation (“GDPR”), which are:
Lawfulness, fairness and transparency;
Purpose limitation;
Data minimisation;
Accuracy;
Storage limitation;
Integrity and confidentiality.
You have rights in respect of how your personal data can be processed; these include the right to request:
a copy of your personal data;
that inaccurate data is rectified; and
that your personal data is, in certain circumstances, erased or restricted.
You have the right to complain to the Information Commissioner, which you can do by contacting the Information Commissioner’s Office (ICO) directly. Full contact details, including a helpline number, can be found on the ICO website (www.ico.org.uk). This website also has useful information on your rights and our obligations. However, please raise any concerns or issues with us first so that we may deal with this as quickly as possible for you.
COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA
We collect and process data for the following reasons:
personal data collected and created in relation to our selling books and other items; and
personal data relating to our people (which means those people working for our company, or providing services to us, or potentially working or providing services to us, including employees, consultants, temporary or casual workers and contractors).
All of our people are required to abide by our Privacy Policy when handling personal data, and are provided with appropriate data protection training. Any breach of data protection will be taken seriously, and may result in disciplinary action.
Selling books and other items
COLLECTION:
We will collect personal information which may include names, addresses and other information for our customers. This will be done for the management of the commercial relationship with our customers.
We may collect this personal data from you directly, and also from third parties, including publicly available third party sources. Additional personal data will be collected as it is created by or supplied to us in the course of anything we do for you.
USE:
We will use the personal data in the course of making sales and to comply with requirements that we are required to undertake.
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
in performance of a contract (the agreement to sell books and other items); and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be far less common:
where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
DISCLOSURE:
We may share personal data with third parties as is necessary in the sale of books and other items, including to third party providers who deliver services to support the operation of our company.
In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.
RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. Normally, our retention period for personal data collected for this purpose is a minimum of 6 years after the end of the period that we are selling books and other items.
Our people
COLLECTION:
We will collect names, addresses, contact details, education and employment history, identity and other background checks (which may include appropriate criminal and financial checks and confirmation of the right to work in the UK), marital status and information on next of kin and dependents, financial information (such as bank details and NI numbers), date of birth, gender, a copy of your passport and driving licence, performance information and compensation history, recruitment information (including references), salary, benefits, pension and annual leave information, disciplinary and grievance information, photographs, information about your use of our information and communications systems and CCTV footage or other information obtained through electronic means.
We may collect and use special categories of personal data as required in the carrying out of obligations and exercising specific rights of us or the data subject in the field of employment. This may include information relating to matters such as health, racial origin, religious belief and offences or alleged offences.
Personal data may be collected from you during the selection process (for example via your application form and CV) and during your employment (including holiday forms, expense claims, performance reviews, any disciplinary or grievance processes), or from third parties, including referees, health service providers, background check providers.
USE:
Personal data of our people will be used for HR administration and management, both in respect of the selection of people to work for us (including suitability, eligibility and/or fitness to work), and those who do work for us, to include learning and development, disciplinary and security (of people, offices and data) requirements, providing and liaising with benefits providers, business management and planning (including accounting and auditing), paying you and dealing with tax and NI deductions, assessing and deciding on salary reviews and compensation, conducting performance reviews and managing performance, dealing with legal disputes involving you or others, preventing fraud, monitoring your use of our information and communications systems, ensuring compliance with our policies, and equal opportunities monitoring.
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
In performance of a contract with you; and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be less common:
where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.
In respect of special categories of personal data, we may process this in the following circumstances:
in limited circumstances with your explicit written consent; and/or
where we need to carry out our legal obligations and in line with our policies; and/or
where it is needed in the public interest (such as for equal opportunities monitoring or in relation to our occupational pension scheme), and in line with our policies; and/or
where it is needed to assess your working capacity on health grounds, subject to appropriate confidentiality safeguards.
Less commonly, we may process this type of information where it is needed in relation to legal claims or where it is needed to protect your (or someone else’s) interests and you are not capable of giving your consent, or where you have already made the information public. We may also process such information about our people (or former people) in the course of our legitimate business activities with the appropriate safeguards.
The special categories of personal data may be used in the following ways:
in relation to leaves of absence, to comply with employment and other laws;
in relation to your physical or mental health, or disability status, to ensure your health and safety in the workplace and to assess your fitness to work, to monitor, manage and administer benefits and absences;
in relation to your race, national or ethnic origin, religious, philosophical or moral beliefs, or your sexual life or sexual orientation, to ensure meaningful equal opportunity monitoring and reporting.
DISCLOSURE:
Personal data may be transferred to service providers who support the operation of our business (such as payroll service providers), to other third parties reasonably necessary in the conduct of our business (including insurers, professional advisors, regulators). These third parties may be acting as processor, or controller of personal data in their own right.
In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.
RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. We will normally keep personal data of applicants who we do not employ for six months after we receive it.
We will keep personal data of employees throughout your employment and normally for a minimum of six years after your employment ends.
Changes to your personal data
It is very important that the personal information that we hold about you is accurate and current. Please tell us if your personal information changes during your relationship with us.
Data Security
We have put in place measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those of our people and other third parties who have a business need to know. They will only process your personal data on our instructions and where they have agreed to treat the information confidentially and to keep it secure. We have put in place procedures to deal with any suspected data security breach and will notify you and the ICO of a suspected breach where we are legally required to do so.
Where we store your personal data
We principally store data, both electronically and on file, at our office.
Personal data may be transferred outside of the EEA by processors acting on our behalf. For transfers to countries not considered adequate by the EC, we will ensure that personal data is adequately protected, as required by the GDPR. This would include by use of the Standard Contractual Clauses adopted by the EC to protect personal data.
Your rights
Under certain circumstances, you have the right by law to request:
access to your personal data. This enables you to ask to receive a copy of the personal data that we hold about you and to check that we are lawfully processing it.
correction of the personal data that we hold about you.
erasure of your personal data.
object to processing of your personal data where we are relying on our legitimate interest and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
restriction of processing of your personal data.
transfer of your personal data to another party.
Links from our website
Our website may, from time to time, contain links to and from the websites of third parties that we permit to make such links. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. We recommend that you check these policies before you submit any personal data to these websites.
CHANGES TO THIS PRIVACY POLICY
Any changes we may make to our privacy policy in the future will be posted on our website, so please ensure that you are viewing the correct version.
Please contact us if you have any questions, comments or requests regarding this Privacy Policy.
Last amended May 2021.