Channel Islands Data Service Limited Privacy Policy


NOTICEThe 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 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 Desastre / bankruptcy

· 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 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

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 Martinís House

Le Bordage,

St Peter Port




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:


PO Box 379

St Peter Port



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.