site.title

25 November 2016

We are Credit Kudos Limited, a company registered with Companies House in England and Wales under number 09873335 whose principal place of business is at The Print House, 18 Ashwin Street, London E8 3DL (“Credit Kudos”/“we”/“us”/”our”). We provide the website at www.creditkudos.com (the “Website”), the Platform and the Services accessible from that Website and Platform (both as defined in the Credit Kudos Services Terms of Use).

By using our Website, you consent to us processing your personal information in accordance with this Credit Kudos Website Privacy and Cookie Policy (the “Policy”). This is the legal basis upon which we process your personal information. You may withdraw such consent at any time by leaving the web page. You may also want to remove any cookies which have been placed on any device used to access the Website. Your withdrawal of consent will not affect the lawfulness of any processing carried out by us prior to such withdrawal.

We want you to obtain personalised experiences anytime, anywhere, on any device. This requires us to collect personal information from you. However, we want to put you in control of that personal information. We want you to be aware at all times where and how your personal information is being used. This is of paramount importance to us.

So, let’s describe what this Policy tells you. It explains:

  • what information we may collect about you;

  • what we may do with the information we collect about you;

  • whether we share your information with anyone else;

  • the types of cookies we use and how you can reject these cookies;

  • where we store your information;

  • how we keep your information secure; and

  • your rights in relation to your information.

At Credit Kudos we take your privacy seriously. We operate on the principle that your personal information belongs to you and only you can decide who you want to share it with and why. This is fundamental to the way we work and we’re committed to providing a secure environment for you to store your personal information and share it with others when you want to.

WHEN DOES THIS POLICY APPLY

This Policy and our Credit Kudos Website Terms of Use apply to your use of the Website. They do not govern the use of the Services advertised on the Website. You must register for those Services. If you register, you will be asked to accept separate terms and conditions which can be found here and a separate Credit Kudos Services Privacy & Cookie Policy. Both this Policy and the Credit Kudos Services Privacy & Cookie Policy aim to put you in control of your personal data in a transparent manner.

HERE IS THE INFORMATION WE MAY COLLECT ABOUT YOU

  1. Information you voluntarily provide

    • If you contact us (by phone, email or through the Website), we may keep a record of that correspondence for two years in case we need to contact you in relation to the issue you for which you contacted us, for operational performance improvement and nuisance caller management. We will not use it for marketing purposes.

    • If you report a problem with our Website, we may keep that information for two years in case we need to contact you in relation to the issue you for which you contacted us, for operational performance improvement and nuisance caller management. We will not use it for marketing purposes. The information you give may include your name, address, telephone number and/or email address.

  2. Information we collect about you and your device.

    When you visit our Website, we may use technology such as that provided by Google Analytics to collect information about your visit to our Website. You can find more information about Google Analytics here. In essence, Google Analytics enables us to analyse how you and others interact with our Website. The information it collects may include:

    • your IP address;

    • the type of browser you use (e.g. are you using the Chrome or Safari browser?); and

    • the number of sessions per browser on each device; and

    • which pages you visited on our Website.

THIS IS WHAT WE DO WITH THE INFORMATION WE COLLECT ABOUT YOU

We use the information you provide to us to:

  • enable you to use our Website;

  • ensure that content from our Website is presented in the most effective manner for you and for your device to achieve the most user-friendly navigation experience;

  • defend our servers against malicious attacks; and/or

  • notify you about changes to our Website.

Where we propose using your personal information for any other uses we will ensure that we notify you first. You will also be given the opportunity to withhold or withdraw your consent for the use of your personal information for purposes other than those listed above.

We may use information collected from you and combine it with information provided by other users of our Website to help us improve the design of the Website and delivery of our services.

THIS IS WHO WE SHARE YOUR INFORMATION WITH

We will only share information with other organisations where we have your consent to do so in accordance with this Policy or where we believe it is necessary for a legitimate reason connected with the Website. Below is a non-exhaustive list of third parties we work with. We may work with third parties not listed below or stop working with the third parties listed below.

Name of third party Why we work with them
Google Analytics To monitor Platform and Website performance & user experience.
Intercom To provide a live-chat with users of the Website.

OUR USE OF COOKIES, PIXELS AND LOCAL STORAGE

Cookies are small pieces of data that are stored on your computer, mobile phone or other device. Pixels are small blocks of code on web pages that do things like allow another server to measure viewing of a Web page and are often used in connection with cookies. HTML5 Local Storage is a small database located inside your browser which web pages can use to store data to speed up their processing. We may use all three technologies from time to time, to help improve your browsing experience.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, storing your preferences, and generally improving your experience of our Website. Cookies make the interaction between you and our Website faster and easier. We use cookies to distinguish you from other users of the Website. This helps us to provide you with a good experience when you use the Website and also allows us to improve the Website. Cookies and other things like local storage also help us authenticate you to deliver personalised content.

We have outlined below the individual cookies we use and why we use them:

Cookie name Expiry period Purpose More information
_ga 2 years Used by Google Analytics to distinguish users. Google Analytics Cookie Usage
_gat 10 minutes Used by Google Analytics to throttle request rate. Google Analytics Cookie Usage
intercom-session 20 years Used by Intercom to offer live-chat on our website. Intercom Cookie Usage

Please refer to your device’s help material to learn what controls you can use to remove or block cookies. Please remember that if you do this, it may affect your ability to use the Website. As you use your device, you will encounter third parties that make use of cookies and similar technologies. We are not responsible for those third parties or what they may place on your device or in your browser.

THIS IS WHERE WE STORE YOUR INFORMATION

The data that we collect from you may be stored outside the European Economic Area (EEA), but we have ensured that there is an adequate level of protection for such data.

KEEPING INFORMATION SECURE

All information you provide to us is stored on servers owned and operated by Amazon Web Services, Inc. More information on this provider is available at https://aws.amazon.com/.

HERE ARE YOUR RIGHTS

The law gives you the right to request a copy of the personal information we hold about you. We require you to prove your identity with 2 pieces of approved identification. We will supply, correct or delete personal information about you on our files. In addition, you may request rectification or erasure of personal information as well as the restriction of processing of your personal information.

If you wish to complain about the processing of your personal information then please contact us first, but if we do not satisfactorily deal with your complaint, then you may contact the Information Commissioner.

If you want to stop using the Website, you may do so. You may also want to remove any cookies that we have placed on any device used to access the Website.

THIRD PARTY PROPERTIES ACCESSED FROM THE WEBSITE

Our Website may contain links to and from the online properties of third parties. If you follow a link to any of these online properties, please note that these online properties have their own privacy policies which will apply. Please check these policies carefully before you click on any links and/or submit any personal data to these online properties.

CHANGE OF CONTROL

If the ownership of our business changes, we may transfer your information to the new owner so they can continue to operate the Website. The new owner will be obliged to comply with this Policy.

CHANGES TO OUR POLICY

Any changes we may make to this Policy in the future will be posted on this page. Where it makes sense because the changes are material, we will notify you of the changes by e-mail or in another appropriate manner such as when you next visit the Website.

CONTACTING US IS EASY AND WE WANT TO HEAR FROM YOU

We really do welcome any questions, comments and requests you may have regarding this Policy. You can contact us by emailing us at support@creditkudos.com.