Introduction

Cogent Credit respects your privacy and is committed to protecting your personal data. This Privacy Policy deals with personally-identifiable information (referred to as “data” below) that may be collected by Cogent Credit. This Policy does not apply to other entities that are not owned or controlled by Cogent Credit, nor does it apply to persons that are not employees or agents of Cogent Credit, or that are not under Cogent Credit’s control. Cogent Credit is committed to the protection of personal data and the fundamental rights of data subjects, in compliance with relevant laws of such as the General Data Protection Regulation ("GDPR") and any data protection, electronic communications or e-privacy laws, rules or guidance that are in force in the United Kingdom from time to time, including the Data Protection Act for 1998 or 2018 or any successor legislation. Please take time to read Cogent Credit's Terms and Conditions. Cogent Credit is not responsible or liable for any privacy issues of any third party websites we may link to.

Collection of Data

Registration of an account on the Cogent Credit Website requires a valid email address and password. You are not required to provide any other information if you do not want to. Please be aware that the email address you provide and any other information you enter may render you personally identifiable, and may possibly be displayed on the Cogent Credit Website intentionally (depending on choices you make during the registration process, or depending on the way in which the Cogent Credit Website is configured) or unintentionally (subsequent to a successful act of intrusion by a third party). As on many websites, the Cogent Credit Website will also automatically receive general information that is contained in server log files, such as your IP address, and cookie information. The Cogent Credit Website also gathers usage data which may include information about how you use the Cogent Credit Website. Information about how advertising may be served on the Cogent Credit Website is set forth below.

Cogent Credit does not collect nor process any "sensitive personal data" or other "special category data" as defined by the GDPR. It is important that the personal data we hold about you is accurate and current. Please ensure to keep us informed if your personal data changes.

In providing its products and services, Cogent Credit collects and aggregates commercial data from a number of publicly available sources.

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purpose of satisfying any legal, accounting or reporting requirements. By law, we are required to keep basis information about our customers for six (6) years after they cease being customers for tax and legal purposes.

Use of Data

Data may be used to customise and improve your user experience on the Cogent Credit Website. Efforts will be made to prevent your data being made available to third parties unless: (a) provided for otherwise in this Privacy Policy; (b) your consent is obtained, such as when you choose to opt-in or opt-out for the sharing of data; (c) a service provided on the Cogent Credit Website requires interaction with a third party, or is provided by a third party, such as an application service provider; (d) pursuant to legal action or law enforcement; (e) it is found that your use of this site violates the Cogent Credit Website's Privacy Policy, Terms and Conditions, or other usage guidelines, or if it is deemed reasonably necessary by Cogent Credit to protect Cogent Credit’s legal rights and/or property; or (f) the Cogent Credit Website is purchased by a third party, in which case that third party will be able to use the data in the same manner as set forth in this Policy. In the event you choose to use links displayed on the Cogent Credit Website to visit other websites, you are advised to read the privacy policies published on those websites.

Cogent Credit will only use your personal data for the purposes for which we collect 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 at support@cogentcredit.com.

If we deem it necessary to share your personal data, we will require all third parties to respect the security of your personal data and to treat it in accordance with the law.

From time to time, we may share your personal data which involves transferring it to third parties who may be established outside the European Economic Area (EEA). Whenever we transfer your personal data out of the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented: (a) the country is deemed to provide an adequate level of protection for personal data by the European Commission; (b) we will use of specific contracts approved by the European Commission; or (c) the third party is part of the Privacy Shield which requires a similar protection of personal data shared between Europe and the United States.

Storage of Data

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and third parties who have a business need to know this information. All personal data is protected by the latest firewall and software technology.

Cookies

Like many websites, the Cogent Credit Website sets and uses cookies to enhance your user experience — to remember your personal settings, for instance. Advertisements may display on the Cogent Credit Website and, if so, may set and access cookies on your computer; such cookies are subject to the privacy policy of the parties providing the advertisement. However, the parties providing the advertising do not have access to the Cogent Credit Website cookies. These parties usually use non-personally-identifiable or anonymous codes to obtain information about your visits to the Cogent Credit Website.

Minors

As Cogent Credit's products and services are aimed at business users, Cogent Credit does not allow persons who are aged seventeen or younger to become members of the Cogent Credit Website. For more information, please contact us at support@cogentcredit.com.

Changes to this Privacy Policy

Changes may be made to this Policy from time to time. You will be notified of substantial changes to this Policy either through the posting of a prominent announcement on the Cogent Credit Website, and/or by an email message sent to the email address you have provided, which is stored within your user settings.

Your Rights

In relation to your personal data, your rights under data protection laws, include: (a) right to access; (b) right to rectification; (c) right or erasure; (d) right to object to processing; (e) right to restrict processing; (f) right to data portability; and the (g) right to withdraw consent. If you wish to exercise any of your aforementioned rights, please contact Cogent Credit at support@cogentcredit.com.

No Guarantees

Cogent Credit offers no warranties or representations as regards to maintenance or non-disclosure of data.

Contact Information

If you have any questions about this Policy or about the Cogent Credit Website, please contact us at support@cogentcredit.com.