Last Updated: 06 July 2026
1. Our Commitment to Your Privacy
At AABRS® Limited, we understand that you are trusting us with highly sensitive information. We are committed to protecting your privacy and handling your personal data in a transparent and secure way.
This policy explains what data we collect, why we collect it, and how we keep it safe. It also tells you about your rights under UK data protection law (UK GDPR).
2. The Information We Collect
We collect information necessary to provide insolvency advice and administer formal insolvency procedures. This may include:
- Personal & Contact Data: Your full name, address, date of birth, email, and phone number.
- Sensitive Financial Data: Details of your income, assets, debts, bank accounts, creditors, and credit history.
- Business Data: If you are a director, we collect information about your company’s financial position and trading history.
- Technical Data: When you visit our website, we may collect your IP address and browsing data to help us improve our service.
3. How and Why We Use Your Data
We only use your data for specific, lawful purposes. Here’s how:
| Purpose | Type of Data Used | Our Legal Basis |
|---|---|---|
| To assess your financial situation and provide advice. | Personal & Financial | Performance of a Contract |
| To administer a formal insolvency case (e.g. liquidation). | Personal, Financial & Business | Legal Obligation |
| To communicate with you, the courts, and your creditors. | Personal & Financial | Legal Obligation |
| To comply with legal and regulatory duties (e.g., anti-money laundering checks). | Personal & Financial | Legal Obligation |
| To improve our website and services. | Technical | Legitimate Interest — specifically, keeping the site secure and available, understanding in aggregate which pages people find useful, and improving the information we publish. We have considered your interests and rights, and this processing does not involve profiling or advertising. |
4. Who We Share Your Data With
Due to the nature of insolvency, we are legally required to share your information with certain third parties, including:
- Your creditors
- HM Courts & Tribunals Service
- Government agencies (such as the Insolvency Service and HMRC)
- Credit reference agencies
- Third-party agents acting on our behalf (e.g., valuers, solicitors)
We only share the information that is strictly necessary and we ensure all parties handle it securely. We will never sell your data.
4a. Where Your Data Is Held
Your personal data stays in the United Kingdom. We do not transfer it outside the UK, and the systems we use to hold client and case information are located here.
If that ever changed, we would only transfer personal data outside the UK where a lawful transfer mechanism applied, such as UK adequacy regulations or the International Data Transfer Agreement. We would update this notice before doing so, and we would tell you what safeguards were in place if you asked.
5. Keeping Your Data Safe
We use robust technical and organisational measures to protect your data. This includes encryption, access controls, secure document storage, and staff training to prevent unauthorised access, loss, or disclosure.
6. How Long We Keep Your Data
We retain your personal data for as long as necessary to fulfil our legal and regulatory obligations. For formal insolvency cases, this is typically 6 years after the case has been closed. Enquiries that do not lead to an appointment are kept for a shorter period, and website analytics data is held in aggregate rather than against you.
6a. Where Your Information Comes From
Most of the information we hold comes from you. In insolvency work we also hold information about people who have not contacted us at all, because we have to. That information reaches us from the company’s own books and records, from its directors and officers, from creditors, from public registers such as Companies House and the Individual Insolvency Register, from credit reference agencies, from courts and from other professional advisers.
6b. Whether You Have to Give Us Information
Before you engage us, you do not have to give us anything. If you do not, we may not be able to advise you.
Once a formal insolvency procedure starts, the position changes and it is worth being clear about it. A director of a company in liquidation, or a bankrupt, has duties under the Insolvency Act 1986 to deliver up records and to give the office-holder the information they reasonably require. Those are statutory obligations, not contractual ones, and not meeting them can lead to a court order, to your conduct being reported to the Insolvency Service, or to prosecution.
6c. Automated Decision-Making
We do not make decisions about you by automated means alone, and we do not use your personal data for profiling. Our advice and our decisions on a case are made by people.
7. Your Data Protection Rights
You have rights over your personal data. You can ask us to:
- Access a copy of the data we hold about you.
- Rectify any inaccurate information.
- Erase your data (though this is limited by our legal obligations).
- Restrict or object to our processing of your data.
- Receive certain data in a portable form, or have it sent to another organisation. This applies to information you gave us that we process by automated means under a contract with you or with your consent, so it does not extend to the whole of an insolvency case file.
- Withdraw your consent at any time, where we relied on consent. Withdrawing it does not affect anything we did beforehand, and it does not stop processing we carry out under a different basis, such as a legal obligation.
These rights are not absolute, and insolvency work limits several of them more than most. We cannot delete records we are required by law or by our regulator to keep, and we cannot withhold from a court, a creditor or the Insolvency Service information we are obliged to give them. Where we cannot do what you have asked, we will tell you why.
To exercise any of these rights, please contact us using the details below.
8. Contact Us & Complaints
If you have any questions about this policy or how we handle your data, please contact our Data Protection Officer by emailing insolvency@aabrs.com.
For any complaints, please email us at: complaints@aabrs.com
You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO), the UK’s data protection regulator, at www.ico.org.uk.