Privacy Policy

Who We Are

Your information will be held by Second Chance. This privacy notice is to let you know how we will look after your personal information. This notice also tells you about your privacy rights and how the law protects you.

Contacting us about Data Privacy

Please use these details to contact us about any of the topics set out in this Privacy Notice if you have any questions or want more information about how we manage your data.

Email –

Post – My Second Chance, PO Box 12786 Bradford

Telephone – 0208 902 3608

What Information do we collect and why

This section sets out the legal reasons we rely on for each way we may use your personal information.

Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. The law says we must have one or more of these reasons:

  • When you consent to it, or
  • When it is our legal duty, or
  • When it is in our legitimate interest

When we have a business or commercial reason of our own to use your information, this is called a ‘legitimate interest.’ We will tell you what that is if we are going to rely on it as the reason for using your data. But, even then, it must not unfairly go against your interests.

The law and other regulations treat some types of sensitive personal information as special. This includes information about racial or ethnic origin, sexual orientation, religious beliefs, trade union membership, health data, and criminal records. Therefore, we will not collect or use these data types without your consent unless the law allows us to do so.

Here is a list of all the ways that we may use your personal information and which of the reasons we rely on to do so. This is also where we tell you what our legitimate interests are. 

Processing your online enquiry 

When you complete the online enquiry form, we take this as your explicit and informed consent to collect the information and contact you to discuss it further. We use your contact information and the limited amount of financial information you provide to prioritise our work. You don’t have to complete the online form. You can choose to contact us by phone instead.

You can withdraw your consent at any time by contacting us using the details shown above, and we will cease processing your enquiry.

When you access our website, your Internet Protocol (IP) address, operating system, and browser type is automatically collected. It is placed in our internet access logs, which we use for system administration and statistical analysis. We collect information directly from you in several ways. One way is through our use of “cookies.”

Preparing your case for referring to the Insolvency Practitioner

When we contact you by telephone to progress your enquiry, our calls are recorded for our legitimate interest and protect us against legal claims.

We will continue to use your consent to collect more detailed information about your financial situation. We will ask you to send us documentary proof of your information, which may include National Identifiers such as your National Insurance number. You may withdraw your consent at any point that you are on the phone with our advisor.

Special Category Data

Information related to your health, or the health of other people in your household, is particularly relevant to your financial situation or your ability to manage your debts. We will therefore collect relevant health information as part of your case.

Managing Our Business

Areas of Financial Services are highly regulated. As such, we may need to keep records, including your personal information, and occasionally share them with regulators in our legitimate interest or as a legal obligation. 

Security of your information 

We take the security of your information very seriously. We have access controls in place, and all our staff are trained on the importance of data privacy and security. If you send us documentation, it is scanned, and the image is stored in our case management system. The original documents are placed in secure bins and shredded by a reputable firm.

Who we share your information with

When we have completed the information on your case, we will use our legitimate interest to pass it to an Insolvency Practitioner. We deal with several firms, and we will pass your case to the firm we believe are most suited to dealing with you. We will tell you which firm we are likely to pass your case to when we speak to you. If an Insolvency Practitioner refuses your case, we may pass it to an alternative provider.

With your consent, we will pass your email address to Trustpilot, who will invite you to complete a review of our service.

We will not pass your information to any other organisation without your consent.

We work with several data processors such as telecoms and software providers to provide our service. All of these firms operate under written agreements.

Data Transfers outside the EEA 

We work with a software development firm located outside the EEA, where this party can access your personal information. Where we transfer your personal information outside the EEA to our suppliers, we will ensure that it is protected to the same extent as in the EEA. In addition, we will put in place a contract with the recipient that means they must protect it to the same standards as the EEA.

How long we keep your personal information 

We only keep information for as long as necessary. If you make an enquiry on our website that does not progress beyond the first stage, we will delete the information after six months.

If we have created a record within our case management system, we will delete the information seven years after we stop dealing with you. If we have referred your information to an Insolvency Practitioner, you will have to ask how long they keep your information.


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Your Rights 

Withdrawing your consent

If we are processing your personal information with your consent you may withdraw it at any time. Contact us using the information shown above. 

If your personal information is incorrect

You can ask us to correct any of the personal information we hold you believe is incorrect. We may ask you to verify this. 

If you want to restrict the processing

If you want us to pause the processing of your enquiry, please contact us. For example, you may wish to do this if you wish to correct the information or while you decide whether to withdraw your consent.

If we have referred your case to an Insolvency Practitioner, you will have to contact them directly about restricting processing.

Deleting your Information

If you want us to delete your information, we may be able to do this if you contact us. However, we can only delete personal information if it does not conflict with our retention policy. 

Getting a copy of your personal information

You may request a copy of the information we hold about you. We will respond to this request within one month. You can contact us using the details shown above.

Portability of Information

You may ask us for a machine-readable copy of the information you entered into our online enquiry form. We will provide this via a secure method.

Making a complaint

If you are not happy with how we have dealt with your personal information or how we have responded to your questions you may complain to us, using the contact information above. You can also complain or lodge an appeal about the outcome of a complaint to the Information Commissioner. Find out on their website how to make a complaint.