1. Introduction
This Privacy Policy applies to Comprehensive Credit Decisions and covers what data we may collect and hold about you.
This Privacy Policy applies to information which identifies you, or from which you can reasonably be identified, such as your full name or name and postal address (“personal information”). This Policy describes how we handle the personal information we collect from our website and when we provide our services. Our services include consultancy, analytics and software applications primarily focused in the credit risk space (“services”).
2. Information we may collect about you
Information sourced directly from you.
Where we provide a service directly to you then we may collect the following information:
When you agree to the service you authorise us to collect and handle your personal information in accordance with this privacy policy.
Tracking Information from our website
When you visit our website(s) we and certain third parties (such as Google, Facebook, and other parties) may collect information about your visit. This may contain information about your computer, device, browser, IP address, other software or hardware information, a unique device identifier assigned to that device, geolocation data, or other transactional information from that device.
This is typically collected through the use of cookies. Cookies are small text files that websites send to your computer or other Internet-connected device to uniquely identify your browser or to store information or settings in your browser. Cookies allow us to recognise you when you return. They also help us provide a customised experience.
In many cases, the information we collect using cookies and other tools is only used in a non-identifiable way, without reference to personal information. For example, we may use information we collect about website users to optimise our website and to understand website traffic patterns.
You can use Google Ad Settings to manage the Google ads you see and opt out of interest-based ads. Even if you opt out of interest-based ads, you may still see ads based on factors such as your general location derived from your IP address, your browser type and recent, previous searches related to your current search. We may use the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to our website. Any data collected will be used in accordance with this Privacy Policy and Google’s privacy policy.
Information from Social Media
If you access a service we provide, that is authenticated through a third-party social media service, or connect a service we provide to your social media profile, we may also collect information from that social media service. This may include:
We do not collect your social media profile password. When you access our services through your social media profile, or when you connect one of our services to your social media profile, you authorise us to collect and handle your personal information in accordance with this privacy policy.
Information from Third Parties
Personal information about an individual may be provided to us by a third party to perform work on their behalf. Where this occurs, we will seek confirmation from the third party that they have the appropriate approvals to collect and provide this information.
This information may include:
3. How we safely hold your information
The information we hold is primarily held in digital format and we use reasonable measures to safeguard the personal information we hold about you from loss, theft and unauthorised use, disclosure or modification, including:
System security We take reasonable steps to prevent unauthorised access to our online and computerised systems by using measures such as firewalls, data encryption, virus detection methods, and password restricted access.
Staff training We train our staff to handle your information in accordance with this privacy policy and applicable privacy laws.
Third parties We take reasonable steps to ensure that third parties who store or assist us to store your personal information adopt appropriate security measures.
4. What we do with your information
We use the information provided to deliver services to you directly. As part of our service to you we may use your personal information:
Where the information is provided by a third party then we use the information provided by the third party to deliver a service to them directly.
We may also remove certain information or alter the information we collect about you so you can no longer be identified from that information. We do this so that we can use it or disclose it to third parties for other purposes.
We use the information we collect, or are provided by a third party, about you for the following additional purposes:
Deliver a service to our customers. We may use your information where provided by a third party to deliver a service to that party. This may include the review and/or creation of prediction models and processes, processing, categorisation, and summarisation of data, retrieval of data from approved data providers and other related services.
Research and data analysis. We may use your information at a depersonalised for research and data analysis to improve our services.
To allow service providers to assist us in providing and managing our services. We may make your information available to certain third-party service providers who help us manage or provide our services. This might include providers of cloud services, website hosting service providers and other third parties that support the delivery of our services. Our agreements with these third party providers require them not to use your information except for the purpose for which your information was provided. We also require them to comply with relevant privacy laws.
To contact you. From time to time, we may send you promotional materials or other information which we think may interest you.
To protect the rights of Company and others. We may share your information with other third parties where we are lawfully entitled to do so. This includes when we have a reasonable basis to believe that sharing your information is necessary to:
5. How you can access your information
If you would like to access, review, correct or update your personal information, you may contact us at [email protected]. When you contact us, please provide your name and contact details (including your email address, address, and telephone number) and specify clearly what information you would like to access, review, correct or update.