Privacy Policy

Privacy Policy

Revised November 28, 2017

If you use our websites, you hereby consent to our collection and use of your information, as described in this policy.

Credit2B provides services that allows businesses to access and share business credit information, payment data and related business information contributed by its users, by Credit2B or its other information sources including other credit bureaus. The Credit2B services includes analytic and collaboration tools and workflow designed to streamline and improve business-to-business credit management.

Credit2B (“Company”, “we” or “our”), including our affiliates, is committed to maintaining robust privacy protections for its users. This Privacy Policy is designed to help you understand how we collect, use and safeguard the information you provide to us and to assist you in making informed decisions when using our Service.

For purposes of this Agreement, “Service” refers to the Company’s service which can be accessed via our website at www.credit2b.com or other designated URLS (collectively, “Sites”), in which users can access our content and services. The terms “we,” “us,” and “our” refer to the Company. “You” refers to you, as a user of Service. By using our Services, you are accepting this Privacy Policy as well as the Terms of Use at www.credit2b.com/terms-of-use, and you consent to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy. If you become a customer, you will also be subject to other applications or Service-specific agreements.

Information Collection

We collect detailed and summary “Non-Personal Information” and “Personal Information” on institutions and businesses and their principals from third parties, creditors, and trade suppliers, and from public government records, registrations and filings.

As we are a business to business credit bureau, information collected to provide our services may include business histories, principals’ biographical and business experience, business operational, employment and financial characteristics, government compliance data, creditor exposure and payment experiences, industry opinions, and related contact information. Customer Data of users of Credit2B systems will also include Contact information, such as full name and email address, Demographic information; username and password; work title, department information, and other information related to your work or organization; all content that you create, share or post in audio, video, text, images, data files that you provide on or through the Services, or that are provided on your behalf; information other people provide about you when using the Services, including when they send a message to you or upload information about you; all communications with other users of the Services; user communications, feedback, suggestions, and ideas sent to us; billing information; and information you provide us when you or your organization contact or engage us for support regarding the Services.

Non-Personal Information, which we can use without limitation, includes information that does not personally identify you, such as anonymous usage data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks.

Personal Information may include your name and email address which you submit when you become a prospective customer or customer, register at a website, receive content or sign up for an event, or if we suspect our websites are being misused. Subscribers to specific Services will be required to have personal logon IDs and passwords.

If you participate in our blogs or social media applications, the information that you post, including identifying information, will be collected and, depending on the application, may be publically viewable.

We also collect Potentially Personally-Identifying Information from visitors like Internet Protocol (IP) addresses for users accessing our sites which, when combined with other information, can be used by us for targeting the marketing our products and services, or used to protect our Sites from suspected misuse. While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you.

Within the scope of our authorization to do so, and in accordance with our commitments under the EU-US and Swiss-US Privacy Shield Frameworks (see below), we will work to provide individuals access to personal data about them that Credit2B holds. We will also will take reasonable steps to enable individuals, to correct, amend, or delete personal data that is demonstrated to be inaccurate.

Information Use

The personally identifiable information that we collect is used to complete requested transactions, provide our services, update our databases, and provide support, and you agree we may contact you for these purposes, as well as to personalize your and your Organization’s experiences as part of our provision of the Services; develop new tools, products, or; conduct data and system analytics, including research to improve the Services, for service updates, newsletters, marketing or promotional materials and other information that relate to our business interests. If you do not wish to receive these communications, we encourage you to opt out of any further receipt by following the opt-out provisions provided in each such communication.

We may also use the information we collect in order to operate, maintain, and improve the systems and infrastructure that provide the Services. You and your Organization authorize us to do so and acknowledge that this may also result in improvements to the Services, since centralized systems and infrastructure support the Services. For example, we may use crash logs from your use of the Services to identify and fix bugs that may also be present in the Services

Cookies

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. We use cookies to help us identify and track visitors, their usage of our websites, and their website access preferences. Our visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using our websites, with the drawback that certain features of our websites may not function properly without the aid of cookies.

Log Data

Like many website operators, we may collect information that your browser sends whenever you visit our Sites (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. In addition, we may use third party services such as Google Analytics that collect, monitor and analyze this information

Business Transfers

In the event we undergo a business transaction such as a merger, acquisition by another company, or sale of all or a portion of our assets, your information may be among the assets transferred. You acknowledge and consent that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of our assets may continue to process your Personal Information as set forth in this Privacy Policy.

Third Parties

Also, visitors should be aware that when third parties offer services accessed through our web sites, they are not subject to our Privacy Policy. We also provide information to agents that act on our behalf such as credit card processors, if applicable. We do not share information third parties that are not acting as our agents. We are not responsible for any actions or policies of such third parties and visitors should check the applicable privacy policy of such party when providing personally identifiable information.

Disclosure of Information

We may disclose or transfer the information that we collect in the following circumstances:

  • If requested or required to by law, court order or government or law enforcement authority.
  • To your organization, network administrators, and other users authorized by your organization to access the requested information;
  • Within the Credit2B family of companies and to third parties, including service providers assisting in providing the Services.
  • To other services that you can connect to through the Services;
  • In connection with a substantial corporate transaction, such as the sale of our Services, a merger, consolidation, asset sale, or in the unlikely event of bankruptcy or insolvency;
  • To protect the safety of any person; to address fraud, security or technical issues; or to protect Credit2B rights or property.

Security

The security of your information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. The measures we undertake include multiple levels of physical, technical, software, and other security measures including systems monitoring, including third-party monitoring.

However, while we strive to use commercially reasonable means to protect information, we cannot ensure its absolute security. These measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. Information, regardless of where collected, is stored on computer servers located in the United States of America. By using our Sites, you acknowledge that you understand and agree to assume these risks.

Changes

We reserve the right to change this privacy statement at any time, so visitors should refer to it on our website frequently. This privacy statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any other
person or entity.

Children

Our services and websites are for business purposes only and are not intended for use by children, and any access by and content concerning children is prohibited.

Data Retention

If you wish to terminate your account with us, your personal information will be retained as long as required to service your account and comply with our legal obligations, handle disputes, and enforce our agreements.

Credit2B