What ethical considerations apply when using third-party payment systems?

• A. Share all data with payer
• B. Protect client information, ensure payer access to only necessary data, and disclose how data will be shared.
• C. Payer can access entire file
• D. Never explain data sharing

Answer: (B)

The main idea here is safeguarding client privacy when third‑party payment systems are used and ensuring data sharing is purposeful and transparent. When a counselor relies on a payment processor or insurer, the ethical obligation is to protect the client's confidentiality while still allowing payment to be processed. This means sharing only the minimum amount of information necessary to complete the transaction, and clearly informing the client about what data will be shared, with whom, and for what purpose. Aligning with the confidentiality and privacy standards, data should be handled securely—encrypted, access-controlled, and retained only as long as needed.

Providing clients with a clear explanation of data-sharing practices supports informed consent and trust. It also helps clients understand potential risks and the safeguards in place. Conversely, allowing the payer to access the entire file or sharing all data would unnecessarily expose sensitive information and violate the principle of data minimization. Never explaining data sharing deprives clients of their right to know how their information is used and undermines ethical obligations to be transparent and to obtain informed consent.