Privacy Policy

1. Introduction

This is the Privacy Policy for www.creditbenchmark.com (the “Site”) and the Credit Benchmark CB Connect client portal (the “Portal”)). The Site and Portal are operated by Credit Benchmark Limited.

We recognise that many visitors and users of this Site and our Portal are concerned about the information they provide to us, and how we treat that information. This privacy policy, explains who we are, why and how we collect and process your personal information (also referred to here as personal data) what we do with it, your rights and what controls you have.

For the purposes of United Kingdom (UK) and European Data Protection Law, we are the data controller in relation to the personal data processed in accordance with this policy, (except where this policy explains otherwise).

Your use of this Site and where relevant our Portal indicates to us that you have read and understood our privacy practices, as outlined in this privacy policy. If you have any questions or concerns regarding this privacy policy, please contact: [email protected].

We may update this privacy policy from time to time by changing it on the Site and the Portal and will take steps where possible to notify you in relation to any material changes. Please check this policy regularly for changes. If you continue to use the Site or Portal or if you submit information to us following such changes, we will take your continued use as acceptance of the new terms. This privacy policy was last updated on [24 March 2021.

This policy sets out:

  • Alongside to cookies, we use API to collect user navigation details and content viewed on our site. Collected details are stored in our premises in secured storage. This data is used for aggregating and analysing the usage. Analysed details are used to improve our product and also to understand user needs.

    Certain cookies we use last only for the duration of your web session and expire when you close your browser. Other cookies are used to remember you when you return to the Site and will last for longer.

    We use the following categories of cookies:

    Essential cookies: These are cookies that are required for the operation of our Site and the Portal and our terms with you. They help you to authenticate and navigate our content and use our online features, they ensure your page requests are loaded in a smooth and secure manner and enable authorised users to login to our Portal. Without these cookies we would not be able to provide our services to you through the Site or Portal.

    Analytics cookies: From time to time we use third party services such as Google Analytics to collect, and analyse information about how visitors interact with our Site and Portal. This information is used in our legitimate interests to produce reports that help us to understand how our Site and Portal is used and so that we can make improvements to each. Click here for more information about privacy at Google or to opt-out of Google Analytics.

    In addition we have activated the IP masking feature when using Google Analytics which means that Google anonymises the last octet of the IP address it receives from users’ devices. For more information see: https://support.google.com/analytics/answer/6004245

    Most web browsers automatically accept cookies but, if you prefer, you can change your browser to prevent that or to notify you each time a cookie is set. You can also learn more about cookies by visiting www.allaboutcookies.org  which includes additional useful information on cookies and how to block cookies using different types of browser. Please note however, that by blocking or deleting cookies used on the Site you may not be able to access our site and also take full advantage of the Site or Portal if you do so.

    If you want to disable cookies on our Site, you need to change your website browser settings to reject cookies.  How you can do this will depend on the browser you use.   Further details on how to disable cookies for the most popular browsers are set out below:

    For Microsoft Internet Explorer:

    • Choose the menu “tools” then “Internet Options”
    • Click on the “privacy” tab
    • Select the setting the appropriate setting

    For Google Chrome:

    • Choose Settings> Advanced
    • Under “Privacy and security,” click “Content settings”.
    • Click “Cookies”

    For Safari:

    • Choose Preferences > Privacy
    • Click on “Remove all Website Data”

    For Mozilla firefox:

    • Choose the menu “tools” then “Options”
    • Click on the icon “privacy”
    • Find the menu “cookie” and select the relevant options

    For Opera 6.0 and further:

    • Choose the menu Files”> “Preferences”
    • Privacy

    Where you have not set your permissions, we may also separately prompt you regarding our use of cookies on the Site.

    You can find more information about the individual cookies we use and the purposes for which we use them below:

    Cookie Name Purpose Additional Information
    Google Analytics
    __utma / __utmb / __utmc /__utmt/ __utmz/_ga/_gali/_gat/_gid
    These cookies collect statistical data regarding the performance and usage of our website
    Opt-out available at: https://tools.google.com/dlpage/gaoptout
    Google
    APISID/ CONSENT/ HSID/ NID/ SAPISID/ SIDCC
    These cookies install certain Google utilities and can store information about your preferences
    Google SID/HSID
    These are security cookies used to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties
     LinkedIn
    _guid/_lipt/bcookie/lang/liap/lidc
    These cookies are used for the LinkedIn Share feature
    AWS AWSELB
    This cookie is used for the Amazon Web Services Elastic Load Balancing functionality for routing client requests on the server
    API __RequestVerificationToken_
    This is a security cookie used to authenticate users
    Authcookie
    *.creditbenchmark.com
    This cookie is used to store user session authentication token details and used to validate the user on every request to web server
    Must needed

    Alongside of cookies we also use browser session/local storage to keep Okta login user and web site navigation details to persist the state of filters of a page. This data is temporary and lifetime of this data is limited to browse session and would be removed on closing the browser.

    4. How we use the information we collect

    We use information held about you in the following ways:

    (i) Directly identifiable information you choose to provide.

    We use your personally identifiable information to ensure in our legitimate interests that we provide you with the information or content that you have requested. In some cases, we may contact you about our programs, products, features or services provided you have given your consent to receive marketing material from us at the point we collected your information where required or otherwise in our legitimate interests and where these do not override your right to object to being contacted by us for these purposes. See ‘Our promotional updates and communications’.

    Where relevant we will take steps at your request to enter into any contract between you or the company you work for and us in order to supply services to you or your employer,  in administering your/your company’s account under the contract with us and where relevant to notify you of changes to our service.

    We use information collected on our Site in our legitimate interests to better understand at an aggregate level, your use of the Site and to enhance your enjoyment and experience. For example, we may use the information to improve the design and content of our Site or to analyse the programs and services that we offer.

    (ii) Information we receive from other sources

    We use information provided by your employer to create, in our legitimate interests your account as an authorized user of the Portal to facilitate your access to the Portal we may combine this information with information you give to us and information we collect about you in our legitimate interests (where we have considered that these are not overridden by your rights). We will use this information and the combined information for the purposes set out above (depending on the types of information we receive).

    (iii) Automatic and other information we collect

    We will use this information in our legitimate interests, where we have considered these are not overridden by your rights in order to administer our Site and the Portal and for internal operations, including troubleshooting, data analysis, testing, research statistical and survey purposes. We also use this information to keep our Site and Portal secure and to ensure that content is presented in the most effective manner for you and your device.

    5. Our promotional updates and communications

    You can tell us not to contact you with information regarding our services either at the point any such information is requested by us on the Site or, where you no longer wish to receive communications, including press releases or any other type of information from us, by following the unsubscribe instructions on any communications we send to you. You can also exercise the right at any time by sending us an email to [email protected] or through our “Contacting Us” details below to change your preferences.

    6. When we share the information we collect

    We may employ other companies and individuals who assist us in providing the services through the Site, fulfilling requests for information, and providing support to perform functions on our behalf from time to time. In particular:

    • any member of our group which means our subsidiaries, our ultimate holding company and its subsidiaries, who support our processing of personal data under this policy;
    • other organisations who process your personal data on our behalf and in accordance with our instructions and UK, EEA or EEA member state Data Protection Law. This includes in supporting the services we provide in particular those providing website and data hosting services, providing fulfilment services, distributing any communications we send, supporting or updating marketing lists, facilitating feedback on our services and providing IT support services from time to time. These organisations (which may include third party suppliers, agents, sub-contractors and/or other companies in our group) will only use your information to the extent necessary to perform their support functions.
    • analytic and search engine providers who assist us in the improvement and optimisation of our site and subject to the cookie section of this policy; and
    • our auditors, legal advisors and other professional advisors.

    Our employees, agents and contractors who have access to personally identifiable information will only use the information necessary to perform their functions and are required to protect the information in a manner that is consistent with this privacy policy.

    We may also provide access to your personally identifiable information when legally required to do so, to cooperate with police investigations or other legal proceedings, to protect against misuse or unauthorized use of our Site or Portal, to limit our legal liability and protect our rights, or to protect the rights and safety of visitors to this Site or of any person. In those instances, the information is provided only for that limited purpose.

    In the event that we undergo a re-organisation or are sold to a third party, you agree that any personal information we hold about you may be transferred to that re-organised entity or third party.

    We may disclose aggregate statistics about visitors to our Site in order to describe our Site and services to prospective partners and other reputable third parties and for other lawful purposes but these statistics will include no personally identifiable information.

    7. Where we store or transfer information

    We may transfer your personal information outside the UK or the EEA:

    • in order to store it
    • in order to enable us to provide our Site or Portal to you and fulfil our contract with your company
    • where we are legally required to do so
    • in order to facilitate the operation of our group of businesses, where it is in our legitimate interests and we have concluded these are not overridden by your rights.

We transfer data to the USA, for the purpose of sharing data with our US based employees

We also transfer your information to our partners abroad. For a full, current list of who we share your personal data with internationally, please contact us at [email protected].

  • 8. Data security

    have put in place measures to seek to maintain the security of the personally identifiable information that we collect, including limiting the number of people who have physical access to our database servers, as well as installing electronic security systems that guard against unauthorised access.

    Please note however that although SSL encryption is in place for the Site no data transmission over the Internet can be guaranteed to be completely secure. Accordingly, we cannot ensure or warrant the security of any information that you transmit to us over the internet and any such submission is at your own risk.  Where we have given you (or you have chosen) a password that enables you to access the Portal, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

    9. How long we keep your information

    For job applications, we usually would limit the processing of the personal information gathered for up to one year, and delete thereafter unless required to hold longer to satisfy legal, contractual or legitimate interests.

    For all other personal data gathered, we would hold for up to seven years, or longer if required to satisfy legal, contractual or legitimate interests.

    10. Links

    This Site contains links to third party web sites. Please be aware that Credit Benchmark is not responsible for the privacy practices of any third party sites. Please also be aware that the privacy policies of other sites may differ significantly from the privacy policy of this Site. We encourage our users to read the privacy statement of each and every web site that collects personally identifiable information. This privacy policy applies solely to information collected by this Site.

    11. Your rights

    You have the right under certain circumstances:

    (a) to be provided with a copy of your personal data held by us;

    (b) to request the rectification or erasure of your personal data held by us;

    (c) to request that we restrict the processing of your personal data (while we verify or investigate your concerns with this information, for example);

    (d) to object to the further processing of your personal data, including the right to object to marketing (as mentioned in ‘Our promotional updates and communications’ section)

    (e) to request that your provided personal data be moved to a third party.

    You can also exercise the rights listed above at any time by contacting us at [email protected], for the attention of the Data Protection Officer

    If your request or concern is not satisfactorily resolved by us, you may approach your local data protection authority, (see http://ec.europa.eu/justice/data protection/bodies/authorities/index_en.html).  The Information Commissioner is the supervisory authority in the UK and can provide further information about your rights and our obligations in relation to your personal data, as well as deal with any complaints that you have about our processing of your personal data.

    12. Contacting us

    Please submit any questions concerns or comments you have about this privacy policy or any requests concerning your personal information by email to [email protected] or write to us at: Credit Benchmark, Suite A, 6 Honduras Street, London, EC1Y 0TH.

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Credit Benchmark brings together internal credit risk views from over 40 leading global financial institutions. The contributions are anonymized, aggregated, and published in the form of consensus ratings and aggregate analytics to provide an independent, real-world perspective of credit risk. Risk and investment professionals at banks, insurance companies, asset managers and other financial firms use the data for insights into the unrated, monitoring and alerting within their portfolios, benchmarking, assessing and analyzing trends, and fulfilling regulatory requirements and capital.