Crediva Privacy

Privacy and Cookies Policy

1. Scope of this privacy policy

This privacy policy describes how Crediva Limited, part of LexisNexis Risk Solutions, and its worldwide affiliated group companies (collectively, "LN UK") will use the personal information collected when you visit the LN UK websites and mobile applications that contain a link to this privacy policy (each, a "Service"). A Service may supplement this privacy policy with additional privacy terms or with additional privacy notices in connection with certain features of that Service.

Our websites and applications may from time to time contain links to and from the websites of our partner networks, advertisers and affiliates. This privacy policy does not apply to websites, applications or mobile platforms that are not linked to this privacy policy or to those operated by third parties and we do not accept responsibility or liability for these policies. We encourage you to review the privacy policies posted on those websites, applications and mobile platforms.

2. Collection of information

The Service collects information from you in two ways: directly from your input and automatically through the Service's technologies.

a. Information provided by you

The types of information the Service collects directly from you may include the following as well as any other information type that we expressly ask you to enter and submit to the Service:

  • Contact information, such as your name, email address, mailing address and telephone number
  • Usernames and passwords
  • Payment information, such as a credit or debit card number
  • Educational and employment background
  • Comments and feedback
  • Interests and communication preferences

b. Information collected automatically

The Service automatically collects certain information regarding your use of the Service. Examples of information collected automatically include:

  • Internet Protocol ("IP") address used to connect your computer to the Internet
  • Computer, device and connection information, such as browser type and version, operating system, mobile platform and unique device identifier ("UDID") and other technical identifiers
  • Uniform Resource Locator ("URL") click stream data, including date and time, and content you viewed or searched for on a Service
  • Location information for location-aware Services to provide you with more relevant content for where you are in the world

We may use and disclose automatically collected information for any purpose, except where we are restricted by applicable law. If we combine any automatically collected information with personal information, the combined information will be treated by us as personal information.

We may also use aggregated information for any purpose, however, this information does not identify specific individuals and so is not personal information.

c. Cookies and web beacons

The Service may also automatically collect information through the use of cookies or similar technologies, such as web beacons. Cookies are small text files that a website sends to the browser on your computer or mobile device when you first visit a web page so that the website can recognise your device the next time you visit. Most websites typically use the following:

  • "Session" cookies, which are temporary and deleted when you close your browser
  • "Persistent" cookies, which remain until you delete them or they expire
  • Web beacons, which are electronic images also known as single-pixel gifs

In general, cookies, web beacons and similar technologies do not contain personally identifiable information, but when you furnish your personal information through the Service, this information may be linked to the non-personally identifiable data stored in cookies sent to your browser from the Service.

Third party cookies may be set on your device by companies such as Facebook and Twitter through the use of social networking sites. Some parts of our websites may use these cookies to provide sharing features however these third party cookies are subject to the privacy policies set out on these sites, which we encourage you to review.

Our HTML-formatted emails may contain a web beacon to tell us whether our emails are opened and verify any clicks through to links or advertisements within the email. We may use this information for purposes including determining which of our emails are more interesting to users, to query whether users who do not open our emails wish to continue receiving them and to inform our advertisers in aggregate how many users have clicked on their advertisements. The web beacon will be deleted when you delete the email. Emails in plain text rather than HTML will not include the web beacon.

More information about our Cookie Policy

3. Use of your personal information

We use the personal information collected through the Service to complete various actions.

  1. To contact you in response to any query or request for more information
  2. To assist you in completing and to fulfill a transaction or order
  3. To provide, modify and improve service and support
  4. To update you on relevant new services and benefits
  5. To personalise the Service and to select content to be communicated to you or to use features on the Service such as sharing content with a friend or colleague
  6. To contact you regarding our products or services or other products and services from third parties
  7. To invite you to participate in surveys, sweepstakes, competitions and similar promotions
  8. For data analysis, audits, developing new products, enhancing the Service, identifying usage trends and determining the effectiveness of our promotional campaigns, or in other ways to which you have expressly agreed in a customer agreement with us
  9. To comply with our legal obligations, resolve disputes, and enforce our agreements
  10. To prevent and detect security threats, fraud or other malicious activity

We may on occasion also match or combine the personal information that you provide with information that we obtain from other sources or that is already in our records, whether collected online or offline or by predecessor or affiliated group companies, for the purposes described above.

4. Sharing or disclosing your personal information

We share your personal information in the following ways:

  1. Affiliates
    Your personal information may be accessible to all LN UK affiliated companies worldwide for the purposes described in this policy.
  2. Agents, representatives, sponsors, societies and business partners
    Your personal information may be accessible to our agents, representatives, sponsors and entities for which we are acting as an agent, licensee, joint venturer or publisher.
  3. Service providers
    Your personal information may be accessible to our service providers and suppliers, which assist us with producing and delivering our products and services, operating our business, and marketing, promotion and communications. These providers and suppliers include, for example, editors, reviewers, credit or debit card processors, customer support, email service providers, IT service providers, financial services and shipping agents. Service providers will not be allowed to use your personal information for their own purposes.
  4. Institutional subscribers
    If the Service offers a content database ("Subscription Service") your personal information and certain usage data gathered through the Subscription Service, such as the number of items you downloaded, any non-subscribed items you accessed, the types of records you viewed and the number of searches you ran may be shared with the corporate or business entity for the purposes of usage analysis, subscription management, cost attribution, departmental budgeting and ensuring compliance with data protection and security requirements.
  5. Recruiters
    Some of our websites offer you the ability to create a profile and upload a CV to our database. Your profile and CV may be then made available for searching, viewing over the internet and downloading by our customers. These may be direct recruiters, employment consultants or other organizations. Your CV can only be viewed by a customer if you have consented to this within the profile section. You can choose to prevent our customers from accessing your personal details, CV or profile. You can also choose to make your personal details and your CV anonymous, while having your profile available to be searched by recruiters.
  6. Other third parties
    We may share personal information with other third parties if we expressly told you about such potential disclosure at the point at which you submitted the information to us.
  7. Compliance with law and similar obligations
    We may share personal information in order to: (i) respond to or comply with any law, regulation, subpoena or court order; (ii) investigate and help prevent security threats, fraud or other malicious activity; (iii) enforce and protect the rights and properties of LN UK or its affiliates; (iv) protect the rights or personal safety of our employees and third parties on or using our property or (v) enforce, apply of fulfill our website terms of use and our obligations under other agreements. This may include exchanging information with other companies for the purposes of fraud protection, credit referencing, debt collecting and tracing.
  8. Change in corporate circumstances
    If LN UK, the Service or a related asset or line of business is acquired by, transferred to or merged with another company, your personal information may be disclosed to the prospective or actual purchasers.

The Service also may provide access to social media features, message boards, chat, forums, blogs, profile pages and other services to which you are able to post personal information and materials. Any information you post or disclose through these services is public. Please be careful when disclosing personal information in these public areas.

5. Children's privacy

We do not knowingly collect information from children under the age of 13 and LN UK does not target its websites to children under 13.

6. Your choices and selecting your privacy preferences

You can manage available communications preferences when you register with the relevant Service, by updating your account preferences.

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you before collecting your data if we intend to use your data for such purposes; however, you can use the opt-out or unsubscribe mechanism or other means provided within the communications that you receive at any time. We reserve the right to notify you of changes or updates to the Service whenever necessary.

7. Access to and accuracy of your personal information

You have specific rights under European and certain other privacy and data protection laws to request free of charge:

  • access to and correction or deletion of your personal information;
  • restriction of our processing of your personal information, or to object to our processing; and
  • a copy of your personal information (right to data portability).

If you wish to exercise any of these rights, please contact us. We will respond to your request consistent with applicable laws. To protect your privacy and security, we may require you to verify your identity.

Access to personal information that Crediva gathers from public records and other sources to supply to other organisations is subject to applicable laws and our consumer and data access policies .

If you wish to see what information Crediva holds about you relating to your financial standing, you may obtain a copy of your Statutory Credit Report.

8. Data security

We use a variety of data security measures intended to ensure the confidentiality, and integrity of your personal information.

9. Changes to privacy policy

If we modify this privacy policy, we will post the revised version here, with an updated revision date.

10. Cross-border transfer of personal information

Your personal information may be transferred to other countries for processing, which may have different personal data protection rules than in your country. Where we transfer your data outside the EEA, we ensure adequate protection remains in place through the use of EU model clauses.

11. Contacting us

If you have any questions, comments complaints or requests questions about this privacy policy or our processing of your information, please contact:

Data Protection Officer
(Crediva Limited)
LexisNexis Risk Solutions
Global Reach
Dunleavy Drive
CF11 0SN

You may also lodge a complaint with the data protection authority in the applicable jurisdiction.

This privacy policy was last updated on 24th May 2018. The effective date of this policy for a specific website will depend on the date the site first linked to this updated policy.