Jersey Data Authority [JOIC] reprimands the Channel Islands Financial Ombudsman [CIFO]
28/10/2025
An individual (the Complainant) contacted the Authority in July 2024 to complain about the processing of their information by CIFO (the Channel Islands Financial Ombudsman), specifically in respect of the response provided to three data subject access requests (DSAR), which is the right to access your personal information.
The Complainant submitted a DSAR in May 2023, June 2023, and June 2024 (the First DSAR, Second DSAR, and Third DSAR) to CIFO, requesting all of their personal information relating to two complaints investigated by CIFO.
Responses were provided to the DSARs; however, the Complainant was unhappy with those responses.
CIFO were asked to provide their response to each DSAR, all communications with the Complainant and their data protection policies and procedures to the Authority.
The Authority also reviewed the application of redactions, any exemptions considered or used, and information deemed not to be personal data or out of scope.
The Authority issued a formal reprimand and made several orders pursuant to Article 25(3) of the DPAJL 2018.
- The review of CIFO’s process and procedure in relation to responding to a DSAR;
- Ensuring that all members of staff with responsibility for handling a DSAR receive up-to-date training regarding any amendments to the processes and procedures that are appropriate for the role they are carrying out.
- The DPO is to be upskilled to understand CIFO’s processes to facilitate individuals' rights.
SOURCE
https://jerseyoic.org/media/kwzpbeoz/cifo-public-statement-28-10-25.pdf
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As well as owning and publishing Comsure's copyrighted works, Comsure wishes to use the copyright-protected works of others. To do so, Comsure is applying for exemptions in the UK copyright law. There are certain very specific situations where Comsure is permitted to do so without seeking permission from the owner. These exemptions are in the copyright sections of the Copyright, Designs and Patents Act 1988 (as amended)[www.gov.UK/government/publications/copyright-acts-and-related-laws]. Many situations allow for Comsure to apply for exemptions. These include 1] Non-commercial research and private study, 2] Criticism, review and reporting of current events, 3] the copying of works in any medium as long as the use is to illustrate a point. 4] no posting is for commercial purposes [payment]. (for a full list of exemptions, please read here www.gov.uk/guidance/exceptions-to-copyright]. Concerning the exceptions, Comsure will acknowledge the work of the source author by providing a link to the source material. Comsure claims no ownership of non-Comsure content. The non-Comsure articles posted on the Comsure website are deemed important, relevant, and newsworthy to a Comsure audience (e.g. regulated financial services and professional firms [DNFSBs]). Comsure does not wish to take any credit for the publication, and the publication can be read in full in its original form if you click the articles link that always accompanies the news item. Also, Comsure does not seek any payment for highlighting these important articles. If you want any article removed, Comsure will automatically do so on a reasonable request if you email info@comsuregroup.com.