Credability respects your privacy and is committed to protecting your personal data. This privacy notice will inform you as to how we look after your personal data, tell you about your privacy rights and how the law protects you when, You visit our website www.thecredability.com (regardless of where you visit it from and including any sub-domain) (“Site”).
We reserve the right to change this privacy policy from time to time by changing it on the Site.
• Applicant: Means an individual or client who uses the services in relation to their dealings with the Customers of Credability
• Customer: Means a customer who is using the Services in relation to our Credability solutions.
• Client: Means a business and their users who are using the Services in relation to their dealings with Customers of Credability
• User: Means any person accessing our site.
Privacy notice – Important Information and Who We Are
Purpose of this privacy notice
This privacy notice aims to give you information on how we collect and process your personal data through your use of the Site and Services, including any data you may provide through the Site when you are using our Services. The Site is not intended for children, and we do not knowingly collect data relating to children.
Controller
In relation to the provision of our services, Credability Customer is the controller and responsible for the personal data (collectively referred to as “Credability”, “we”, “us” or “our” in this privacy notice).
Where we process personal data from an applicant, we will be acting as a joint controller along with the nominated Customer
If you have any questions about this privacy notice, including any requests to exercise your legal rights set out below. You can contact as per the details set out below.
Contact details
Our full details are: Credability
Attention: CEO
Email Address: info@thecredability.com
You have the right to make a complaint at any time to the supervisory authority for data protection issues. We would, however, appreciate the chance to deal with your concerns before you approach the supervisory authority so please contact us in the first instance.
Third-Party Links
Our Site may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
The Data That We Collect About You
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data). We may check the details you provide with fraud prevention agencies and share your information with them if we suspect fraud. It is important that you don’t provide false, inaccurate information or impersonate another individual.
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
• Identify Data includes first name, maiden name, last name, title and date of birth.
• Contact Data includes billing address, residential address, email address and telephone numbers.
• Financial Data includes bank account details and credit history and report details.
• Transaction Data includes details about payments to and from you and other details of Services
• Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access the Site.
• Profile Data includes your unique reference number, purchases or orders made by you, preferences, feedback, survey responses and other correspondence.
• Usage Data includes information about how you use our site and services.
• Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific Site feature or the number of Service types that are purchased. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.
We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
If You Fail to Provide Data
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with the Services). In this case, we may have to cancel delivery of the Service you have with us but we will notify you if this is the case at the time.
How Is Your Personal Data Collected?
We use different methods to collect data from and about you including through:
• Direct Interactions You may give us your Identity, Contact and Financial Data by filling in forms, providing documentation or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
1. Purchase or use our services;
2. Create an account on our site or otherwise;
3. Request marketing to be sent to you; or
4. Give us some feedback.
• Our Customers may provide Contact, Identity and Financial Data collected from Applicants
• Automated technologies or interactions: As you interact with our Site, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies.
• Third parties or publicly available sources: We may receive personal data about you from various third parties and public sources including Technical Data from the following parties:
1. Analytics providers such as Google or others; and
2. Search information providers.
• Contact and Transaction Data from providers of technical, payment and delivery services.
• Financial Data from institutions who make such information available to us, such as credit reference agencies. Identity and Contract Data from publicly available sources, such as the electoral role.
• Data Aggregation – to enable global coverage to selected banks Credability uses a number ofaggregators to provide banking connections. By using the Credability product you agree to these aggregators terms and conditions.
How we use your personal data
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
• Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
• Where we need to comply with a legal or regulatory obligation.
Purposes for which we will use your personal data
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
Marketing
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.
Promotional offers from us
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which Services and offers may be relevant for you and send to you through our marketing messages. You will receive marketing messages from us if you have requested information from us or purchased Services from us and you have not opted out of receiving that marketing.
Opting out
You can ask us or third parties to stop sending you marketing messages at any time by contacting us or unsubscribing from our marketing list. Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a Service purchase, warranty registration, Service experience or other transactions.
Cookies
Cookies beacons, tags and scripts are used by us and our partners, affiliates, or analytics or service providers. These technologies are used in analysing trends, administering the Site, tracking Users’ movements around the Site and to gather demographic information about our User base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. Cookies are small text files of information stored on your computer when you visit certain webpages. The cookie may contain a unique identifier but it does not contain personally identifiable information such as your name or email address. This information may be analysed by third parties on our behalf, but is not sold on to anyone else.
We may use cookies to keep track of your preferences and profile information, to send you more relevant information related to your account, and to allow you to interact with social networking sites. Cookies are also used to collect general usage and volume statistical information that does not include personal information.
We use a third party provider to place cookies on your computer to collect non-personally identifiable information to compile aggregated statistics for us about visitors to our site. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Site, but your ability to use some features or areas of our Site may be limited.
We use Local Storage Objects (“LSOs”) such as HTML5 to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your web browsing activity also use LSOs such as HTML 5 to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs.
Change of Purpose
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge , in compliance with the above rules, where this is required or permitted by law.
Disclosure Of Your Personal Data
We may have to share your personal data with the parties set out below for the purposes set out in the table above
• Customers who have requested our Services in relation to Applicants.
• Public databases and credit reference agencies who assist in providing the Services.
• Service providers who provide payment, marketing, IT and system administration services.
• Professional advisers including lawyers, bankers, auditors and insurers based within the MENA region who provide consultancy, banking, legal, insurance and accounting services.
• Regulators and other authorities who require reporting of processing activities in certain circumstances, especially in the prevention of money laundering and fraud.
• Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
Data Retention
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. In some caseswe may retain your personal data to meet our regulatory compliance requirements or as needed to provide to you the Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes and enforce our agreements. If your account is deleted, all personal information will be removed from our systems except for any Transaction Data, Technical Data and records required to comply with our legal obligations, resolve disputes and enforce our agreements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
Your Legal Rights
Under certain circumstances, you have rights under data protection laws in relation to your personal data.
• Access to information: You have the right to request a copy of the information the Credability holds about you. Ensuring accuracy of information: Credability wants to make sure that your personal information is accurate and up-to-date. You may ask the Credability to correct or complete information that is inaccurate or incomplete..
• Right to data portability: You may have the right to receive personal data the Credability holds about you in a format that enables you to transfer such information to another data controller (e.g. such as another service provider).
• Review by an independent authority: You will always have the right to lodge a complaint with a supervisory body.
• Preventing Direct Marketing. Credability does not sell your personal data. From time to time, the Credability may send emails containing information about new features and other news about us. This is considered direct marketing. Credability will always inform you if the we intend to use your personal data or if we intend to disclose your information to any third party for such purposes.
If you would like further information on how you can exercise these rights, please email us at info@thecredabiltiy.com
